Saga travel insurance review

The following review focuses on cover provided by one of the UK’s leading over 50s holiday and insurance specialist.

Saga travel insurance review highlights:

  • No upper age limit
  • Covers most pre-existing medical conditions
  • Comprehensive cover as standard rated excellent by industry experts
  • Insures against coronavirus
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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 Folkstone 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.

What does it cover?

Saga provide single trip and annual travel insurance for the over 50s. Their holiday 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

Single trip holiday insurance covers you for a single trip to one or more destinations for up to 120 days. This includes the following services as standard:

  • Up to £10,000 cancellation cover
  • Up to £10 million emergency medical cover
  • Up to £5,000 baggage cover
  • Up to £1,500 for a replacement flight
  • Up to £1,500 enforced stay cover
  • Up to £5,000 substitute accommodation cover
  • Up to £10,000 abandonment cover
  • 24/7 travel helpline
  • Flexibility to add family and friends under 50 years of age

Saga annual holiday insurance

Annual travel insurance provides the same benefits as single trip insurance with one big difference. You are covered for multiple trips throughout the year. This includes insurance for up to 120 days per year, with a maximum of up to 45 days per trip.

Depending on the level of cover you choose, Saga holiday insurance protects you in the following regions:

  • Europe
  • Worldwide excluding USA, Canada and the Caribbean
  • Worldwide

saga holiday insurance

Does Saga offer coronavirus travel insurance cover for the over 50s?

Saga travel insurance now includes extended covid-19 cover should you test positive for coronavirus within 14 days of travel. It also provides cover should your holiday be cut short due to coronavirus, plus up to £10,000,000 of emergency medical expenses and repatriation fees to get you back home.

It’s worth mentioning that Saga’s covid-19 travel insurance will not cover you for travel to any country listed as places to avoid on the governments Foreign and Commonwealth website.  

How much does Saga holiday insurance cost?

The cost of Saga holiday insurance depends on the traveller’s age, health and the type of cover required. For example, for a self-catering holiday to Spain, a 60 year old can expect to pay £33.55 for Saga single trip insurance or £60.72 for Saga’s annual holiday insurance.

Both these options have an excess of £150, £10,000 of cancellation cover, no winter sports and no additional travellers. You do have the option to change the level of cancellation cover or the excess when you apply, which in turn will impact the price you pay.

Am I eligible for Saga holiday insurance?

To be eligible for Saga holiday 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.

Although Saga cover most pre-existing medical conditions, they can not insure you if you are being tested. They can only provide cover once the condition has been diagnosed.

Is Saga travel insurance any good?

Saga travel insurance has the highest possible Defaqto rating of 5 stars. It also has a Trustpilot score of 4.6 out of 5 and is rated 2nd out of 40 travel insurers by Which?. This means both customers and consumer champions alike rate Saga travel insurance as excellent.  

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 access, adding additional travellers and changing the level of cancelation cover.

And if you are planning a cruise, all of Saga’s holiday insurance policies provide cruise travel insurance as standard too.

How to get a Saga travel insurance quote

To get a Saga holiday insurance quote, visit their website for more details.

Alternatively, to compare travel insurance quotes with leading insurers, use our free, easy to use online comparison service.

Compare travel insurance quotes

Frequently asked questions

Who is Saga travel insurance underwritten by?

Saga travel insurance is underwritten by Great Lakes Insurance SE, a fully owned subsidiary of global insurer Munich Re.

Does Saga travel insurance cover include repatriation?

Saga travel insurance includes repatriation fees as part of the £10 million 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 include travel insurance?

All overseas Saga holidays and cruises include optional comprehensive travel insurance. However, if you prefer to choose your own holiday insurance, a reduction is available.

Do Saga cruises include insurance?

Saga cruises include optional travel insurance, subject to medical questions. If you prefer to use your own holiday insurance, they will adjust the cost of the cruise accordingly.  

Updated 28th August 2020
by Ashley Shepherd
Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

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