Closeup side view of mid 60's couple enjoying a sailing cruise during summer vacation at seaside.

ANNUAL MULTI-TRIP TRAVEL INSURANCE

Tailored for people over 50, Saga's annual travel insurance could be ideal if you are going away more than once in a year.

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Annual multi-trip travel insurance

Ideal for avid holidaymakers, if you own a property abroad, or have friends and family abroad who you regularly visit, a multi-trip insurance option gives you cover for making several visits, without the hassle of searching for cover each time you travel.

To help you find the right cover for your travel plans, we have two levels of annual multi-trip travel insurance to choose from – Saga Standard and Saga Plus. See how our cover levels compare.

What does Saga multi-trip travel insurance cover?

As well as covering the expected, we go further to cover aspects that you may not expect to be included, such as:

Benefits of Saga Travel Insurance:

Tailored for the over-50s with no upper age limit
Cover for many pre-existing medical conditions
Cancellation cover from up to £10,000 to £20,000
Emergency medical cover from up to £10 million to £20 million (up to £2 million for trips in the UK)
Baggage cover from up to £5,000 to £10,000

Extra benefits included at no extra cost:

Enforced stay cover from up to £1,500 to £2,000
Substitute accommodation cover from up to £1,500 to £5,000
Abandonment cover from up to £10,000 to £20,000

Medical assistance when you’re away

With an annual multi-trip travel insurance policy, you are protected in case of illness or injury suffered on your holiday. You’ll also benefit from up to £20 million emergency medical cover, up to £1,500 (up to £50 per day) for associated expenses during your stay in hospital and we can cover the cost of getting you home if medically necessary.

Cover for your friends and family

Our annual travel insurance is tailored for the over 50s but you can also add your family and friends who are under 50 to your policy, too. Friends and family can also be protected, even if they are travelling without you (over-16s only); a unique feature to our annual multi-trip policies.

Destinations and trip length

With an annual travel insurance policy you’re covered to travel:

Up to a maximum of 180 days per year in your chosen region
Up to 45 days per trip with the option to extend to 60 or 90 days (90 day extension excludes USA, Canada, Mexico and the Caribbean Islands policies).

Region	Limits per trip	Limits in total
Europe	45 days’ cover per trip as standard, but with option to extend to 60 or 90 days	Up to 180 days’ total cover per policy year
Worldwide excluding the USA, Canada, Mexico and all Caribbean Islands	45 days’ cover per trip as standard, but with option to extend to 60 or 90 days	Up to 180 days’ total cover per policy year
Worldwide	45 days’ cover per trip as standard, but with option to extend to 60 days	Up to 180 days’ total cover per policy year

Europe

This region includes the countries that are listed below

Aland Islands
Albania
Andorra
Armenia
Austria
Azores
Balearic islands
Belarus
Belgium
Bosnia-Herzegovina
Bulgaria
Canary Islands
Channel Islands
Corfu
Corsica
Crete
Croatia
Cyprus
Czech Republic
Denmark
Eire
England
Estonia
Europe
Faroe Islands
Finland
France
Fuerteventura
Germany

Gibraltar
Gran Canaria
Greece
Greek Islands
Guernsey
Holland
Hungary
Ibiza
Iceland
Ireland (Northern)
Isle Of Man
Italy
Jersey
Kos
Lanzarote
Lapland
Latvia
Liechtenstein
Lithuania
Luxembourg
Macedonia
Madeira
Majorca
Malta
Menorca
Minorca
Moldova
Monaco
Montenegro

Netherlands
Northern Ireland
Norway
Poland
Portugal
Republic Of Ireland
Rhodes
Romania
Russia (West of the Urals)
San Marino
Sardinia
Scilly Isles
Scotland
Serbia
Slovakia
Slovenia
Spain
Spanish Region
Sweden
Switzerland
Tenerife
Turkey
Ukraine
United Kingdom
Vatican City
Wales
Yugoslavia (former)

Worldwide excluding the USA, Canada, Mexico and all Caribbean islands

This region includes all countries except those listed below

Alaska
Anguilla
Antigua and Barbuda
Aruba
Bahamas
Barbados
Bermuda
Bonaire (Antilles)
Canada
Caribbean
Cayman Islands
Cuba
Curacao
Dominica

Dominican Republic
Grenada
Guadeloupe
Haiti
Hawaii
Jamaica
Leeward Islands
Martinique
Mexico
Midway Island
Montserrat
Netherlands Antilles
Nevis Island
Puerto Rico

Saint Barthelemy
St Kitts and Nevis
St Lucia
St Maarten
St Pierre and Miquelon
St Vincent and the Grenadines
Trinidad and Tobago
Turks and Caicos Islands
United States Minor Outlying Islands
USA
Virgin Islands

Worldwide

This region includes all countries

Annual travel insurance cover limits

All limits shown are per person, per trip.

Policy benefits	Saga Standard	Saga Plus
Cancellation	Up to £10,000	Up to £20,000
Missed departure	Up to £750	Up to £1,500
Delayed departure	Up to £35 for each 12-hour period (£215 maximum)	Up to £50 for each 12-hour period (£300 maximum)
Abandonment	Up to £10,000	Up to £20,000
Delayed baggage	Up to £150	Up to £400
Lost, stolen or damaged baggage	Up to £5,000	Up to £10,000
Emergency medical and associated expenses	Up to £10 million	Up to £20 million
Hospital benefit	Up to £30 for each 24-hour period (£1,000 maximum)	Up to £50 for each 24-hour period (£1,500 maximum)
Personal accident – permanent total disablement	Up to £20,000 (£1,000 if under 16, £10,000 if over 70)	Up to £30,000 (£1,000 if under 16, £15,000 if over 70)
Criminal injury benefit	Up to £20,000	Up to £30,000
Substitute accommodation	Up to £1,500	Up to £5,000
Enforced stay	Up to £100 for each 24-hour period (£1,500 maximum)	Up to £100 for each 24-hour period (£2,000 maximum)
Loss of passport	Up to £500	Up to £1,000
Personal money	Up to £500 (£500 limit for cash, £200 limit for cash if aged under 16)	Up to £1,000 (£650 limit for cash, £200 limit for cash if aged under 16)
Pet care	Up to £25 for each 24-hour period (£150 maximum)	Up to £25 for each 24-hour period (£350 maximum)
Air rage	Up to £1,000	Up to £1,000
Personal liability	Up to £2 million	Up to £3 million
Legal expenses	Up to £50,000	Up to £50,000
Cruise – missed port		Up to £100 per port, up to a maximum of £300
Cruise – rejoin		Up to £1000

How does it compare to single trip travel insurance?

Saga’s single trip travel insurance could be ideal for those one-off trips all over the world. Our Standard and Plus policies will cover you for up to 180 days per trip when travelling in Europe and up to 120 days per trip outside of Europe. Our Essential policy will cover you for up to 30 days.

However, we are unable to provide cover if you travel to an area that the Foreign, Commonwealth and Development Office has advised against travelling to.

Who underwrites Saga Travel Insurance?

Saga Travel Insurance is designed for people over 50 and is underwritten by Astrenska Insurance Limited, with claims administered on their behalf by Collinson Insurance Services Limited.