Having to make a claim on your travel insurance usually means something has gone wrong on your holiday, which nobody wants. The last thing you need in this situation is more stress, so we aim to make the claims process as smooth as possible.
Sometimes claims are unfortunately rejected. Here are some common reasons why claims fail so you can try to avoid them.
One of the main reasons people take out travel insurance is to protect themselves against expensive medical bills should they fall ill or are injured while abroad. However, if you fail to disclose medical conditions then you’re not covered if you require medical assistance relating to these conditions. This means that you’ll be left footing the bill and, depending on where you’re travelling to, this can be very expensive indeed.
To avoid a void claim, make sure you answer all medical screening questions honestly and to the best of your ability to ensure the correct cover is in place.
Unfortunately, insurance companies can’t just take your word for it. We require evidence in order to pay your claim. So it’s important that you keep any paperwork, receipts, and so on that you receive as we’ll need to see originals before payment is made.
Of course you want to let your hair down and have a good time on holiday, but having travel insurance doesn’t give you a golden ticket to leave all your common sense behind.
It’s up to you to take reasonable care and precautions while on holiday, this means not leaving your expensive designer sunglasses on your sunbed while you’re having a swim, remembering to lock your hotel room behind you when you go out for the day and not leaving possessions on show in your hire car, for example.
If you fail to take reasonable care, your claim is unlikely to be successful.
We are proud to offer five-star treatment every day with Saga Travel Insurance – Defaqto 5 Star rated every year since 2007.
Many sports and leisure activities are covered as standard by Saga Travel Insurance, such as snorkelling, fell walking and hot air ballooning.
However, if you take part in any activities not covered by your policy and you’re injured; your claim is likely to be rejected. It’s also important to note that with some more adventurous sports activities you’re covered for injury but not for personal liability and/or personal accident.
If your claim is a result of travelling to a country or region to which the Foreign, Commonwealth and Development Office (FCDO) or the World Health Organisation (WHO) have advised against travelling, then your Saga Travel Insurance will not cover you. This is listed as a general exclusion in the policy documents.
To avoid your claim being rejected, make sure that your policy is suitable for you and your planned holiday, and take care while you’re away. Hopefully you won’t have to make a claim but, unfortunately, sometimes the unexpected does happen. Visit our how to make a claim page to find out what to do in those circumstances.
There's plenty to explore and learn about our travel insurance cover.
Single trip policies are most suited to those planning a one-off trip, a holiday abroad, or even a couple of short stay city breaks.
Our travel insurance policies have no upper age limit, so if you're aged over 70 and looking for high levels of cover and service, why not try Saga?
What to do if your luggage gets damaged or lost whilst you are on holiday.
Our coronavirus help and support page has all the latest information on the changes to our insurance and details of additional support we can provide you.
Having travel insurance for UK holidays gives you the peace of mind that you’re covered for cancellation, loss of luggage and so much more.
We can help you stay organised and hopefully give you peace of mind - meaning you can get on and enjoy your time away.
Over 65 and looking for travel insurance? Saga offers quality holiday insurance with cover for many pre-existing medical conditions and no upper age limits.
We provide, as standard, unlimited access to online & telephone GP appointments on your holiday with the Saga GP Service.
We can help you in an emergency, providing 24-hour support, advice and guidance, no matter where in the world you are.
Our team are here to help, with medical expertise and a personal touch. Find out about medical claims with Saga Travel Insurance.
Looking forward to hitting slopes? Kick back and relax assured in the knowledge that Saga has the cover you need.
If you're a regular holidaymaker, our annual travel insurance gives you the benefits of single trip all year round.