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Over 50s travel Insurance

Booked your trip and thinking about travel insurance? When you’re looking to compare travel insurance, don’t settle for less.

Saga’s Defaqto 5 Star rated travel insurance includes much more than the basics, as standard. We go above and beyond to ensure you can travel with confidence.

Already a customer?

Log in or create a MySaga account to view your policy documents or renewal invite. Fast and easy, no need to call.

New to Saga?

Start your journey with us, get a quote or pick up where you left off. Online or over the phone, we look forward to welcoming you.

What’s included with Saga Travel Insurance

Who underwrites Saga Travel Insurance?

Saga Travel Insurance is designed for people over 50 and is underwritten by Astrenska Insurance Limited, with claims administered on their behalf by Collinson Insurance Services Limited.
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Cover for most pre-existing conditions!

In the last 10 years, we've covered more than 1.2 million people with diagnosed pre-existing conditions, such as high blood pressure and diabetes.

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Cover for COVID-19 with Saga Travel Insurance

Emergency medical expenses

Up to £10 million (up to £2 million for trips within the UK) – Which still applies even if you get ill with coronavirus while you're away. Plus, you can now call the Saga GP Helpline at any time when you're on holiday.


Cover up to £10,000 if you, a close relative or any of your travel party gets a positive coronavirus test in writing during the 14 days before you depart. Or if you are certified as too ill to travel due to Covid-19 by a medical practitioner.


Cover up to £10,000 if you, a close relative or anyone you're staying or travelling with gets a positive coronavirus test in writing and you have to cut short your trip.
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FCDO advice

If you travel to a country where the FCDO has advised against all but essential travel, you'll have no cover in place for any policy section if the reason for your claim is related to why the FCDO advice is in place. Subject to there being no other Government restrictions in place prohibiting travel. If you travel for essential reasons, see our list of what is deemed essential, then you will have full policy coverage in place.

To find out more about what we cover for COVID-19, please visit our Travel insurance and coronavirus page.

Can we help with anything?

Additional features included as standard

In addition to the cover features that you might expect from your travel insurance, Saga provides so much more so that you can travel with complete confidence:
Substitute accommodation

If you need to move to different accommodation at any time during the trip because your booked accommodation becomes unusable, due to:

  • Natural disaster such as an earthquake or hurricane; or
  • Insolvency of the providers of your accommodation; or
  • An outbreak of food poisoning or infectious disease.

You can claim up to £5,000 to cover additional accommodation and transport costs incurred.

Enforced stay

If you can’t reach your destination, return to your pre-booked accommodation or return home, you can claim £100 for every complete 24-hour period, up to a maximum of £1,500.

Or, if after 24 hours it becomes necessary to make alternative arrangements to get to your destination or return home, such as due to airspace or port closure, you can claim up to £1,000 to cover necessary additional travel expenses.

Missed departure

If you arrive at your final departure point too late to board the ship, plane or train that you’re booked to travel on, we will cover you up to £1,000 for the extra accommodation and travel costs you’ll have to pay to reach your final destination. Your reason for lateness must be due to:

  • Failure of scheduled public transport services, such as train cancellations; or
  • Delay to a connecting scheduled flight; or
  • Being involuntarily denied boarding onto your flight (because it was overbooked); or
  • The vehicle you were travelling in to reach your departure point broke down or was involved in an accident.

If you have to abandon your trip due to unforeseen circumstances outside of your control, we will cover you for up to £10,000 to pay for any irrecoverable unused travel and accommodation (including pre-paid excursions), and other pre-paid charges.

Your Saga Travel Insurance policy would also cover you for any additional travel expenses, such as a new flight ticket home.

Insurance can be complicated. Visit our frequently asked questions page for some helpful answers to commonly asked questions.

Saga Travel Assistance helpline

Our Travel Assistance service is there to help you and provide 24-hour worldwide support including:

  • How to replace lost or stolen passports, driving licences, air tickets, or other travel documents
  • How to trace your luggage if it is lost or delayed
  • Why, how, where and when you should contact local embassies or consulates
  • How to transfer money from the UK if you need it
  • Guidance for you and relatives, friends or employers if you are unfortunately enough to go into hospital plus a ‘phone home’ service
  • A translation and interpretation service if you need it.
A fast, efficient claims service

We hope your holiday goes without a hitch and you don’t have to make a claim, but if you do:

  • You’ll only pay one excess for your whole claim. This means that if your claim involves multiple sections of your policy – such as missed departure, baggage and medical treatment – you will only need to pay the excess once
  • All our claims advisers are based in the UK and there are no automated telephone menus
  • We aim to ensure that every claim is dealt with quickly and with minimum fuss.

Find out more about our claims process.

Defaqto 5 star rated travel insurance 2007-2024

Defaqto 5 star rated travel insurance

We are proud to offer five-star treatment every day with Saga Travel Insurance – Defaqto 5 Star rated every year since 2007.

Travel insurance FAQs

Am I covered if I travel against FCDO advice?

If you travel to a country where the FCDO has advised against all but essential travel, for a non-essential reason, you'll have no cover in place for any policy section if the reason for your claim is related to why the FCDO advice is in place. Subject to there being no other Government restrictions in place prohibiting travel. If you travel for essential reasons, see this list of what is deemed essential, then you will have full policy coverage in place.

However, if you travel to a country to which the FCDO advise against all travel then we are not able to provide any cover.

Do I need travel insurance in European Union Countries?

Yes, the Global Health Insurance Card (GHIC) is not a substitute for travel insurance – it is complementary to it. A GHIC does not cover you for all the medical costs that you can incur or for repatriation, lost baggage or cancellations.

How can I cancel my policy?

You can cancel your policy within 14 days of either the date of purchase of the policy or the date of receiving your policy documents, whichever is latest.

  • If your cover (including cancellation cover) has not commenced, you will be entitled to a full refund
  • If your cover (including cancellation cover) has commenced we will give you a pro rata refund of premium based on the cover you have already had
  • If you wish to make a claim or have made a claim already, no refund of premium will be given
  • If you cancel your policy after the 14 day cooling off period, no refund of premium will be given.
Should I choose an annual or single trip policy?

If you are likely to be taking more than one trip a year or you are travelling for more than 30 consecutive days then you may find that our annual multi-trip travel insurance policy is more cost effective than taking out a separate single trip policy each time you travel.

The advantage of annual multi-trip insurance is that cancellation cover is already in place should you want to go on a last minute holiday or city break.

If you only take the occasional trip, whether in the UK or overseas, you may find a single trip policy more suitable. Our single trip travel insurance is for trips up to 120 days in length and covers cancellations, medical expenses and much more.

When should I start my insurance policy?

With a Saga Travel Insurance policy, cancellation cover starts from the date you take out the policy or book the trip. In the unfortunate event that you have to cancel your holiday, our policy can offer up to £10,000 cancellation cover. Maintaining continuous cover with an annual policy could give you the freedom to book last minute trips.

Why do I have to provide my medical details to get a quotation?

At Saga we offer comprehensive cover to suit your needs when travelling. To enable us to do this we require details of your medical health so that we can assess whether we can offer insurance to suit your needs.