Saga Travel Insurance Review and Quotes

James Rodriguez James Rodriguez updated on July 27, 2020

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Saga is the right company to go on holidays with? 

In this definitive Saga review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Saga the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Saga travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below. 

4,8 Safe overall rating for Saga

Safe ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate on Trust Pilot
Easily accessible policy documents on the website
Online quote generation and application
Fast and efficient claim process that can be done online

Cover provided

Specialist travel insurance focused on offering cover for travellers over the age of 50
No upper age limit
Winter Sports cover available as optional addition
Cover available for pre-existing medical conditions
Lack of wide range specific insurance covers

Value for money

Reasonably priced premiums
20% discount or more if you purchase your policy online
Children are not covered for free

Financial strength

Saga Travel Insurance is part of Saga Group which has more than 30 years experience in the insurance industry.
Saga's insurance policies are underwritten by a panel of leading UK insurance companies such as Ageas, Cover, Direct, AXA, etc.

Technology

Online quote generation
User friendly and well organized website
Availablility of customer portal
Live chat feature available

Safe rating for Saga travel insurance

Saga travel insurance reviews by expert and consumers

Review organisationSaga travel insurance reviews
Defaqto expert

Standard: 5

TrustPilot

4,5/5 based on more than 10.7K opinions

Consumer satisfaction rates on reviews for Saga holiday insurance

To check if Saga is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

What does Saga travel insurance cover?

Saga travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family. 

Families and friends under the age of 50 can be included in the policy holder insurance cover.

Saga single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at Saga
Maximum days per trip

Single Trips up to 120 days.
Annual Multi Trip: unlimited number of travel provided that each trip does not last more than 45 days.

Maximum age limit

Over 50 years

Maximum days and age limit for single-trip and annual multi-trip policies at Saga

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Saga:

Policy name

Standard
Defaqto expert rating5
Excess (if not stated)£70, £150 or £250
Medical expenses£10M
Trip cancellation / curtailment£10 000
Delayed departure 12 hours£15 to £35
Delayed departure max£215
Baggage & belongings£5000
Money including cash£300
Repatriation£10 000
Personal liability£2M
Personal accident (excess £0)£5000
Legal expenses
(excess £0)
£30000
Hospital benefit
(excess £0)
£25 for every 24 hours up to £1000
Accommodation cover£5000
Pet care (excess £0)£300
SAFI*£1500
Winter sportsOptional
Saga travel insurance in details

Saga winter sports travel insurance

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports cover is available at Saga Travel Insurance and it comes with the following as standard:

  • Up to £750 for your ski equipment
  • Up to £550 covered for any hired equipment
  • Up to £300 for delay caused due to an avalanche
  • Up to £30 to £40 for every day (maximum £400) the piste is closed
  • Up to £350 for ski pack
  • Up to £20 for every day (maximum £200) you are unable to participate in winter sports activities.

What are the other travel insurance options available at Saga?

Travel insurance options at Saga
Saga golf cover

Golf Cover is available as standard when you take out a Single or Annual Multi Trip Policy.

Saga business cover

Available but details not disclosed

Saga cruise cover

Available but details not disclosed

Saga gadget cover

Golf Cover is included as standard when you take out the Single or Annual Multi Trip Policy.

Other travel insurance policy options available at Saga

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Saga before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Saga travel insurance?

You'll find below indicative quotes per level of cover at Saga:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Saga:

Policy name

Standard
Price - 7 days trip - 65 years old - Europe£39,52
Price - annual policy - 65 years old - Europe£78,91
Price - 7 days trip - 65 years old - USA£97,03
Price - annual policy - 65 years old - USA£175,23
Saga travel insurance in details

It is, however, quite difficult to give precise price ranges as Saga travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Saga?

Yes, you can get up to 20% to 30% discount available if you apply online.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Saga.

What else should I know about Saga travel insurance?

What are the general exclusions at Saga travel insurance?

You will only be eligible for cover if:

  • Your main home is in the UK
  • Your journey is a round trip that begins and ends in the UK
  • If you're going on business or volunteer trip, then it should be administrative or clerical. Doing manual work will render your insurance policy invalid

How do I get travel insurance quote from Saga?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Saga is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Saga website?

Through the customer portal, you can get access to the following:

  • Manage holiday bookings
  • View Saga quotes
  • View and download policy documents
  • You'll need to be over the age of 50 to create an account

How to claim at Saga travel insurance?

There are 2 ways to make a claim: online or by calling the claims team.

How to claim on Saga travel insurance?
Claim online

You can claim online visiting this page

Claim by phone

0800 092 2099

How to make a claim on Saga travel insurance

How do I contact Saga travel insurance?

Saga contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0800 015 0757

Monday to Friday: 8am to 8pm
Saturday:8:30pm to 5pm
Sunday: 9pm to 5pm

Medical Assistance01444 442105

Available 24/7

Claims801 092 2099

Monday to Friday: 9am to 5pm

Loss of Passport0800 092 2101

Available 24/7

Renewals0800 904 7764

Monday to Friday: 8am to 8pm
Saturday:8:30pm to 5pm
Sunday: 9pm to 5pm
Bank Holidays: 9am to 5pm

Saga contact phone numbers

Saga other contact details

Contact details
Address

Saga Group
Enbrook Park
Folkestone
Kent CT20 3SE

Email[email protected]
Saga contact details

How to cancel your annual Saga travel insurance policy?

You will find below main information to cancel your travel insurance policy at Saga:

How to cancel Saga travel insurance?
Cancellation fees during cooling off period of 14 days£0
Cancellation fees outside cooling off period

No refund

Cancel by phone

0800 056 9200

How to cancel Saga travel insurance

Our opinion on Saga travel insurance

Saga Travel Insurance is part of Saga Group which has more than 30 years experience in the insurance industry providing several types of insurance products from travel, to cars to home and pet insurance. Their insurance policies are underwritten by a panel of leading UK insurance companies such as Ageas, Cover, Direct, AXA, etc.

Saga is a specialist travel insurance company focused on offering insurance policies to travellers over the age of 50. They have 5 star Defaqto rating and a high customer satisfaction rate of 4.5/5 based on more than 10.7K opininos on Trust Pilot. A downside of Saga is that they don't offer a variety of additional optional cover.

We would recommend Saga Travel Insurance to travllers over the age of 50 looking for simple and affordable travel insurance policy without the need to upgrade or add more optional covers.