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Closeup side view of mid 60's couple enjoying a sailing cruise during summer vacation at seaside.


Tailored for people over 50, Saga's annual travel insurance could be ideal if you are going away more than once in a year.

Annual multi-trip travel insurance

Ideal for avid holidaymakers, if you own a property abroad, or have friends and family abroad who you regularly visit, a multi-trip insurance option gives you cover for multiple trips, without the hassle of searching for cover each time you travel.

What does Saga Travel Insurance cover?

As well as covering the expected, we go further to cover aspects that you may not expect to be included, such as:

Benefits of Saga Travel Insurance:

  • Tailored for the over-50s with no upper age limit

  • Cover for many pre-existing medical conditions

  • Up to £10,000 cancellation cover

  • Up to £10 million emergency medical cover (£2 million in the UK)

  • Up to £5,000 baggage cover

Extra benefits included at no extra cost:

  • Up to £1,500 enforced stay cover

  • Up to £5,000 substitute accommodation cover

  • Up to £10,000 abandonment cover

Travel helpline – We’re there for you 24/7

  • English-speaking travel assistance helpline – our friendly team will be there for you 24 hours a day for advice before and during your trip
  • They will help you trace lost luggage, replace lost or stolen passports and can help you with translation and interpretation
  • Before you go, they will even give you advice on vaccinations and local information.

Medical assistance when you’re away

With an annual multi-trip travel insurance policy, you are protected in case of illness or injury suffered on your holiday. You’ll also benefit from up to £10 million emergency medical cover, up to £1,000 (£25 per day) for associated expenses during your stay in hospital and we can cover the cost of getting you home if medically necessary.

Cover for your friends and family

Our annual travel insurance is tailored for the over 50s but you can also add your family and friends who are under 50 to your policy, too. Friends and family can also be protected, even if they are travelling without you; a unique feature to the annual multi-trip policy.

Destinations and trip length

With an annual travel insurance policy you’re covered to travel:

Region Limits per trip Limits in total
45 days’ cover per trip as standard, but with option to extend to 60 or 90 days
Up to 120 days’ total cover per policy year
Worldwide excluding the USA, Canada, Mexico and all Caribbean Islands
45 days’ cover per trip as standard, but with option to extend to 60 or 90 days
Up to 120 days’ total cover per policy year
45 days’ cover per trip
Up to 120 days’ total cover per policy year

How we define our annual travel insurance regions

Our three annual travel insurance regions cover the following territories:

This region includes the countries that are listed below

  • Aland Islands
  • Albania
  • Andorra
  • Armenia
  • Austria
  • Azores
  • Balearic islands
  • Belarus
  • Belgium
  • Bosnia-Herzegovina
  • Bulgaria
  • Canary Islands
  • Channel Islands
  • Corfu
  • Corsica
  • Crete
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Eire
  • England
  • Estonia
  • Europe
  • Faroe Islands
  • Finland
  • France
  • Fuerteventura
  • Germany
  • Gibraltar
  • Gran Canaria
  • Greece
  • Greek Islands
  • Guernsey
  • Holland
  • Hungary
  • Ibiza
  • Iceland
  • Ireland (Northern)
  • Isle Of Man
  • Italy
  • Jersey
  • Kos
  • Lanzarote
  • Lapland
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macedonia
  • Madeira
  • Majorca
  • Malta
  • Menorca
  • Minorca
  • Moldova
  • Monaco
  • Montenegro
  • Netherlands
  • Northern Ireland
  • Norway
  • Poland
  • Portugal
  • Republic Of Ireland
  • Rhodes
  • Romania
  • Russia (West of the Urals)
  • San Marino
  • Sardinia
  • Scilly Isles
  • Scotland
  • Serbia
  • Slovakia
  • Slovenia
  • Spain
  • Spanish Region
  • Sweden
  • Switzerland
  • Tenerife
  • Turkey
  • Ukraine
  • United Kingdom
  • Vatican City
  • Wales
  • Yugoslavia (former)
Worldwide excluding the USA, Canada, Mexico and all Caribbean islands

This region includes all countries except those listed below

  • Alaska
  • Anguilla
  • Antigua and Barbuda
  • Aruba
  • Bahamas
  • Barbados
  • Bermuda
  • Bonaire (Antilles)
  • Canada
  • Caribbean
  • Cayman Islands
  • Cuba
  • Curacao
  • Dominica
  • Dominican Republic
  • Grenada
  • Guadeloupe
  • Haiti
  • Hawaii
  • Jamaica
  • Leeward Islands
  • Martinique
  • Mexico
  • Midway Island
  • Montserrat
  • Netherlands Antilles
  • Nevis Island
  • Puerto Rico
  • Saint Barthelemy
  • St Kitts and Nevis
  • St Lucia
  • St Maarten
  • St Pierre and Miquelon
  • St Vincent and the Grenadines
  • Trinidad and Tobago
  • Turks and Caicos Islands
  • United States Minor Outlying Islands
  • USA
  • Virgin Islands

This region includes all countries

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.
Get a quote

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.

Annual travel insurance cover limits

Policy benefits Policy limits for each insured per person per trip Excess applicable per claim


Up to £10,000*


Missed departure

Up to £1,000


Delayed departure

Up to £35 for the first 12-hour period, £15 for each 12-hour period after that



Up to £10,000


Delayed baggage

Up to £250


Lost, stolen or damaged baggage

Up to £5,000 (£600 single article limit and £1,000 total valuables limit)


Emergency medical and associated expenses

Up to £10 million (£2 million in the UK)

Hospital benefit
Up to £25 for each 24 hour period (£1,000 maximum)
Personal accident
Up to £30,000 (£1,000 if aged under 16, £15,000 if over 70)
Criminal injury benefit
Up to £30,000
Substitute accommodation
Up to £5,000
Enforced stay
Up to £1,500
Loss of passport
Up to £350
Personal money
Up to £500 (£300 limit for cash) (£100 limit for cash if aged under 16)
Pet care
Up to £25 for each 24 hour period (£300 maximum)
Hijack and mugging
Up to £50 for each 24 hour period (£1,000 maximum)
Air rage
Up to £1,000
Personal liability
Up to £2 million
Legal expenses and advice
Up to £50,000

* Unless you have opted to change or remove this limit, in which case it will be shown on your policy Schedule.


How does it compare to single trip travel insurance?

Saga’s single trip travel insurance could be ideal for those one-off trips all over the world. Our comprehensive policy will cover you for up to 120 days per trip.

However, we are unable to provide cover if you travel to an area that the Foreign, Commonwealth and Development Office has advised against travelling to.

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.

Get a quote for Saga Travel Insurance today