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Find answers to the questions we're most often asked about travel insurance.

Frequently asked questions

Insurance can be complicated – that’s why we’ve created a list of questions that are commonly asked about Saga Travel Insurance.

Buying a policy
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 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 then you'll 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.

You'll receive a full refund except in the following circumstances:

  • Your trip has commenced
  • You have made or intend to make a claim. No refund will be given or we'll recover what has been paid to you to settle the claim before refunding the premium paid.

After the 14 day cooling-off period you may cancel your policy at any time by contacting us, but no refund of premium will be available.

Discretion may be exercised in exceptional circumstances to provide a refund for unused cover. For example, a bereavement or an unexpected change to your policy that results in cover being unable to continue.

Is Saga part of the Money Helper Travel Insurance Directory?

Yes, Saga is listed on the Money Helper Travel Insurance Directory as a company that may be able to help if you have a serious medical condition.

You can find out more about this service and view the full directory by visiting the Travel Adviser Directory.

Should I choose an annual or single trip policy?

If you're likely to travel more than once a year, you may find that an annual multi-trip policy is more cost effective than taking out a separate policy for each trip.

The advantage of annual multi-trip travel 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 policies are for trips up to 180 days in length and cover 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 policies offer cancellation cover which you can tailor from up to £2,500 to £20,000. 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.

Eligibility and cover
How do I contact Saga?

If you're a Saga Travel Insurance policyholder and you need to make changes to your policy, you can contact us on 0800 056 9200.

Opening hours
  • Monday to Friday: 8:30am-6:00pm
  • Saturday: 8:30am-5:00pm
  • Sunday: CLOSED

If you need to get in touch with us for any other reason, please visit our contact us page.

Am I covered for leisure activities and sports?

Our policy covers over 40 different activities. See our leisure activities page for details.

Are there any age limits?

Policyholders must be aged 50 or over. There is no upper age limit and other travellers added to your policy can be of any age.

Can I change the policy excess?

With Saga Plus and Saga Standard Travel Insurance you can select from three levels of excess to pay in the event of a claim. Or you can choose to remove the excess.

The three excess levels are:

  • £70
  • £150
  • £250

With Saga Essential Travel Insurance the excess is fixed at £150.

Can I extend my annual policy for trips over 45 days?

We're able to extend up to 90 days, or 60 days if you're travelling anywhere within USA, Canada, Mexico or any Caribbean Islands.

If you need cover for a longer trip, Saga Plus and Saga Standard single trip policies have a limit of 180 days in Europe and 120 days for the rest of the world.

Can I remove money and baggage cover to reduce my premium?

No, our policy covers money and baggage within the overall price of the policy.

You can opt for our Essential travel insurance for single trips which doesn't include delayed baggage cover.

Do I have to book my holiday through Saga?

No, we can offer cover no matter who you book your holiday with.

Do you cover one-way trips?

No, Saga only covers round trips that start in and return to the United Kingdom.

I live outside the UK, can I get travel insurance from Saga?

Unfortunately we would not be able to provide you with cover – our policies only cover UK residents who are registered with a UK GP.

Will friends and family be covered when travelling without me?

Yes, if they are listed on an annual multi-trip policy they can travel independently and still benefit from the same cover as you. This does not apply to single trip policies.

Under 16s must travel with an adult insured under the policy.

Is it illegal to travel without travel insurance?

Taking out travel insurance before you go abroad is not a legal requirement, although some tour operators may insist that you have evidence of a valid travel insurance policy.

However, it does protect you against medical treatment costs which are much higher than we pay in the UK, as well as providing cancellation cover and other benefits. Not to mention the confidence of knowing you are covered against the unexpected while abroad.

What is Saga Travel Assistance?

Saga Travel Assistance is a helpline service that helps you sort out all kinds of travel problems before you go and while you are away, from information on the country you are visiting to advice and guidance on how to replace lost or stolen passports, luggage and travel documents.

Will my travel agent accept a Saga Travel Insurance policy?

Yes, it is not compulsory to take out the insurance offered by travel agents or tour operators and you have the right to shop elsewhere. However, they may ask you to prove that you have sufficient cover for the trip in question by asking for your policy number and cover details.