Saga travel insurance review

Find out if Saga has the right travel insurance for your trip.

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Whether you’re going on a beach holiday with the family or backpacking around the world solo, it’s essential you get the right level of travel insurance for you and your belongings.

Fail to do so and you could end up paying through the nose for medical costs or for lost possessions.

Find out what travel insurance policies Saga offers and whether they are right for your trip in our comprehensive review.

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What is Saga?

Saga was founded back in the 1950s and was originally focused on travel. It has since expanded to offer home and motor insurance, financial services, private medical cover and pet cover.

It doesn’t just do insurance though. It also provides package holidays and cruises around the world and operates both Titan Travel and luxury holiday company Destinology.

What are my cover options with Saga?

With Saga, you can get a variety of travel insurance policies. We go through them below and outline their key features:

Heading abroad just once this year? Whether you’re going on a family holiday or on a solo trip, this is the type of policy you should get if you’re doing just one trip abroad. Saga’s policy will offer the following:

  • Cover for up to 120 days abroad.
  • No upper age limit.
  • Cover for many pre-existing medical conditions.
  • Cover for up to £10 million if you need medical treatment while away.
  • Cover for up to £10,000 should you need to cancel due to a sudden event, such as a serious health issue.
  • Cover for lost, stolen or damaged baggage.
  • Cover should you lose your passport or other important documents.
  • Protection for up to £500 if you lose or someone steals your money.

Heading abroad more than just once this year? Getting an annual or multi-trip policy will save you the hassle of taking out insurance multiple times and could save you money. Here’s what Saga offers:

  • Covers you for up to 120 days abroad throughout the year.
  • Cover for up to 45 consecutive days abroad, but you can extend it for certain regions by 60 or 90 days.
  • Cover for up to £10 million should you need medical treatment abroad.
  • Protection for up to £10,000 if you need to cancel your trip due to a serious and unforeseen problem, such as needing surgery.
  • No upper age limit.

Whether you’re cruising around Scandinavia or the Mediterranean, having this add-on insurance policy will ensure you’re covered for problems that may arise during your boating holiday. Saga’s policy features include the following:

  • Replacement of your personal items if your baggage is misplaced or lost.
  • Replacement of your important documents such as your passport if it is lost or stolen.

On top of your single or annual travel insurance deal with Saga, you can get add-ons which will give you more comprehensive protection. Winter sports holidays can be a great way to blow off some steam, but they tend to come with risk. After all, you are flinging yourself down a mountain! Here’s what Saga will give you:

  • Cover for up to £750 on any lost, stolen or damaged winter sports equipment.
  • Up to £300 protection should an avalanche mean you have to book extra accommodation and flights.
  • Up to £400 protection if you need to travel to another piste because there are adverse conditions at your original destination.
  • £20 a day compensation if you can’t take part in winter sports due to an injury or illness.

Maybe you’re visiting family in the States, or you’re travelling around Asia? Whatever the case, you’ll have to pay more as all insurers charge more for customers taking out worldwide coverage. Here’s what you will get from Saga’s global protection:

  • Saga breaks the world into three regions of risk. Europe; Worldwide excluding the USA, Canada and all Caribbean Islands; and Worldwide including the USA, Canada and all Caribbean Islands.
  • You have to pay more if you’re travelling to North America as healthcare costs can be astronomical.

What level of cover can I get?

Unlike most insurers, Saga doesn’t offer tiered levels of coverage.

With some companies, you have levels of protection, often labelled bronze, silver and gold. The more you pay, the greater your coverage.

However, with Saga, you choose either a single or an annual deal. Then you decide whether you need added protection for worldwide travel or an add-on policy such as for winter sports.

Whether you take out a single or annual deal, here’s what you’ll get:

Cover benefitsSingle or Annual policy
Cancellation£10,000
Emergency medical treatment£10,000,000
Hospital benefit£1,000
Personal accident
Loss of baggage£5,000
Personal money£500
Passport and travel documents£350
Delayed departure£215
Cancellation of trip after 12-hour delay£1,000
Missed departure
Personal liability per policy£2,000,000
Legal protection per policy£50,000
End supplier failure
Winter sports coverOptional
Business cover
Golf coverOptional
Cruise cover

How much is my excess?

An excess is the amount of money you have to contribute towards a claim before your insurance company pays out.

The amount you will have to pay in excess for a claim will depend on the type of claim you make. So what you pay for a lost wrist watch might be different to what you have to shell out for medical fees.

As always, take a look at the full list of excess costs outlined in your policy handbook.

What’s the claims process for Saga?

You should always have your policy number, whatever the claim. However, when you call Saga, you should have as much relevant information as possible.

You may need to provide the name of the doctor and the hospital you’re visiting abroad, including any contact information for your GP at home and the medical centre where you received treatment.

You might also need to provide a police report, notes about the claim and any photos.

If you have a non-emergency claim, you should call one of the following numbers: (+44) 1752 273352 or 0800 027 1335.

For any lost or stolen belongings, the number to dial is (+44) 20 8763 4879.

Should you have a medical emergency or need repatriation, call (+44) 20 8763 4878.

Saga pros and cons

Pros

  • No age limit
  • Sizeable medical protection
  • 24/7 medical emergency helpline

Cons

  • Not a wide selection of coverage options

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