Saga travel insurance review
Saga travel insurance review highlights:
- No upper age limit
- Covers most pre-existing medical conditions
- 5 Star Defaqto Expert Rated Insurance
- Emergency medical cover of up to £20million*
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Who is Saga?
Saga is a British based holiday and insurance specialist for the over 50s. Having started life as a Folkestone based travel company in 1951, Saga now owns its own cruise ships, has a chartered fleet of river cruise ships and offers a wide range of insurance and financial products including car insurance, home and health insurance and equity release.
Saga travel insurance is underwritten by Astrenska Limited and administered by Collinson Insurance Services Limited.
What does it cover?
Saga provide single trip and annual travel insurance for the over 50s. Their travel insurance is comprehensive, includes cruise insurance as standard and has no upper age limit. It also covers most pre-existing medical conditions and over 40 popular leisure activities.
Here’s how each option works:
Saga single trip holiday insurance
Saga offers 3 levels of single trip insurance:
- Essential Single
- Standard Single
- Plus Single
Their Plus Single trip insurance covers you for a single trip to one or more destinations for up to 180 days. This includes the following services as standard:
- Up to £15,000 cancellation cover
- Up to £15 million emergency medical cover
- Up to £7,500 baggage cover
- Up to £1,000 missed departure cover
- Up to £15,000 abandonment cover
- 24/7 travel helpline
- Flexibility to add family and friends under 50 years of age
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Saga annual travel insurance
Annual travel insurance provides the same benefits as single trip insurance with one big difference - with their Plus Annual, you are covered for multiple trips throughout the year. This includes insurance for up to 180 days per year, with a maximum of up to 45 days per trip and with an option to increase this to 60 or 90 days for some regions.
Their are 2 levels of annual multi-trip travel insurance:
- Standard Annual
- Plus Annual
Depending on the level of cover you choose, Saga travel insurance protects you in the following regions:
- Europe
- Worldwide excluding USA, Canada, Mexico and all Caribbean islands
- Worldwide
The Plus Annual also includes:
- Up to £20,000 cancellation cover
- Up to £20million emergency medical cover
- Up to £10,000 baggage cover
- Up to £1,500 missed departure cover
- Up to £20,000 abandonment cover
- 24/7 travel helpline
- Flexibility to add family and friends under 50 years of age
Take a look at over 50s travel insurance
Does Saga offer coronavirus travel insurance cover for the over 50s?
All Saga travel insurance policies include covid-19 cancellation or abandonments cover of up to £20,000 depending on your cover level should you test positive for coronavirus within 14 days of travel.
This is in addition to emergency medical cover if you were to become ill with coronavirus whilst on holiday.
If you travel to a country where the FCDO advise against all but essential travel for a non-essential reason, you’’ have no cover for any policy if your claim relates to why the FCDO advice is in place.
How much does Saga travel insurance cost?
The cost of Saga travel insurance depends on the traveller’s age, health and the type of cover required.
Am I eligible for Saga travel insurance?
To be eligible as the policy holder for Saga travel insurance you must be at least 50 years of age however there is no upper age limit. You must live in the UK and disclose any pre-existing medical conditions, or your policy could be invalid.
Saga will only look to provide cover for diagnosed medical conditions therefore if you are under investigation or awaiting test results of an undiagnosed condition, no cover will be available.
Is Saga travel insurance any good?
My review of Saga travel insurance is designed to help you compare plans and find the best option for you. I would always recommend that you review all of your options to ensure you’re getting the best deal that suits your budget and needs.
Saga travel insurance has the highest possible Defaqto rating. It also has a Trustpilot score of 4.1 out of 5 for all its insurance products.
With no upper age limit and cover for most pre-existing medical conditions, Saga offers comprehensive travel insurance as standard. This means it’s simple to arrange yet still offers flexibility to tailor the policy by changing the excess, adding additional travellers and changing the level of cancellation cover.
Frequently asked questions
Who is Saga travel insurance underwritten by?
Saga Travel Insurance is underwritten by Astrenska Insurance Limited, which meets our high standards of quality and service.
Does Saga travel insurance cover include repatriation?
Saga travel insurance includes repatriation fees as part of the emergency medical cover. This includes your repatriation if it is medically necessary and one friend or relative if the doctor thinks it’s appropriate.
Do Saga holidays and Saga Cruises include travel insurance?
All overseas Saga Holidays and Cruises include optional comprehensive travel insurance, subject to a medical screening. However, should you prefer to choose your own travel insurance, a price reduction would be available.
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*Depending on your level of cover