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Single trip travel insurance

Single trip policies are most suited to those planning a one-off trip, a holiday abroad, or even a couple of short stay city breaks. Our single trip travel insurance covers you for a trip of up to 120 days anywhere in the world.

What does Saga single trip travel insurance cover?

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

Benefits of Saga Travel Insurance:

  • Travel for up to 120 days

  • 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 can help you trace lost luggage, replace lost or stolen passports and help you with translation and interpretation
  • They can also give you advice on vaccinations and provide local information before you go away.

Medical assistance when you’re away

We can help you get medical assistance if you fall ill by directing you to a pre-approved practice, while your policy will cover the costs involved. Where needed, we can even arrange for you to come home to continue treatment in the UK, and cover the cost of cutting short your trip.

Cover for your friends and family

Our single trip travel insurance is tailored for the over 50s but family and friends under 50, who are travelling with you, can be added to your policy too.

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.

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.

Single trip travel insurance cover limits

Both our single trip and annual multi-trip policies include the following features:

Policy benefits Policy limits for each insured 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.
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.

Optional cover: Winter Sports

Policy benefits Policy limits for each insured person per trip Excess applicable per claim
Up to £750 for your equipment 

Up to £550 for hired equipment


Delay due to avalanche

Up to £300

Piste closure

Up to £30 or £40 for each day (£400 maximum)

Ski pack
Up to £350
Inability to take part in winter sports activities
£20 for each day (£200 maximum)

Destinations and regions

Our single trip policies cover all destinations and provide up to 120 days’ cover per single trip policy. 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.

How does it compare to annual multi-trip cover?

Annual multi-trip travel insurance is suitable for those who plan to travel more than once a year. If you are only travelling once in a 12-month period, single trip travel insurance may be more suitable for you.

Get a quote for single trip insurance