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.
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.
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:
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:
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:
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:
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:
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 benefits||Single or Annual policy|
|Emergency medical treatment||£10,000,000|
|Loss of baggage||£5,000|
|Passport and travel documents||£350|
|Cancellation of trip after 12-hour delay||£1,000|
|Personal liability per policy||£2,000,000|
|Legal protection per policy||£50,000|
|End supplier failure||–|
|Winter sports cover||Optional|
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.
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.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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