saga travel insurance policy booklet pdf

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Saga Travel Insurance Review: Nice Features and No Upper Age Limit

• Insuring older travellers
• Covering end supplier failure
• International flight delays
• Including baggage, personal belongings, trip delay/cancellation/curtailment
• Insuring trips in the UK
• Reimbursing for lost rewards points

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers.

Saga offers one, simple travel insurance plan to those over 50 years of age (with no upper age limit) when you buy direct and one different plan (that is cheaper but with less coverage) through comparison sites. We like that Saga includes cover for End Supplier Failure , some catastrophe cover and a higher level of Personal Belongings/Baggage cover on all policies (plus Golf). Another stand-out perk is that travellers whose international flight is delayed more than an hour can benefit from access to a LoungeKey airport lounge (part of Trip Delay cover)—if you bought direct from Saga and not via a comparison site.

In This Review

• Customer reviews
• Saga Travel Insurance Price Comparison

Notable Features

• Saga Travel Policy Limits and Coverage Options
• Comparing Saga to the Competition
• Saga Travel Policy Wording and Claims

Saga Travel Insurance Review: What You Need to Know

Saga keeps the insurance-buying process easy by offering one comprehensive tier of Travel Insurance, and they now offer special cover related to Covid-19. Strong customer reviews make a further case for buying a Saga policy, in addition to some solid features.

Policies include Trip Cancellation, Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident, Personal Belongings and Golf cover. Those who like to ski can add Winter Sports cover for an additional cost. Not surprisingly, the cost of the Winter Sports add on rises quickly with age.

Anyone planning a longer trip can extend the maximum trip length to 90 days, but only if you are travelling outside the U.S.A., Canada, Mexico or any Caribbean Islands. If you’re travelling to those countries then the maximum trip length is 45 days on an Annual, Multi-Trip policy or 120 days under a Single Trip policy.

Those who struggle with sitting in an airport for hours may like Saga's Delayed Flight Assistance, which gives you access to an airport lounge if your international flight is delayed for an hour or more. This feature provides a bit of peace of mind and comfort for international travel—be sure to pre-register your flights with Saga ahead of time to be eligible for this perk—but this is only available on policies bought direct from Saga, not a comparison site.

Those going on a cruise can get cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK .

Does Saga Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Saga policies, so long as you stay in pre-booked holiday accommodation or the accommodation of a relative or friend who resides in the Channel Islands for at least 2 consecutive nights (Annual, Multi-Trip policies only) or 1 night (Single Trip). However, note that some features are not offered for UK trips and coverage limits may be lower.

Pre-Existing Conditions: Saga may be able to offer cover for your pre-existing medical conditions, buy you may pay a higher premium. Pre-existing conditions are only covered if they've been declared by you and accepted by Saga. As part of the online quote process you can declare your conditions to see if cover can be offered, and for what cost.

Over 65s: There is no upper age limit for Saga Travel Insurance policies; there is, however, a lower age limit of 50 years of age. This age limit only applies to the main policy holder—other travellers you add to your policy can be of any age. There is no upper age limit for Winter Sports cover, but Winter Sports premiums will rise with age .

Insuring Other Travellers: Those you’ve listed on your Annual Multi-Trip policy can travel independently (without you) and still benefit from the same cover as you. This cover extension does not apply to Single Trip policies.

Covid Cover: Saga now offer cover for cancellation or abandonment if you receive a positive test result in writing for Coronavirus within 14 days of your trip’s departure date, as well as emergency medical cover and repatriation if you fall ill with COVID-19 while on your trip.

Covid-19 Cover

Saga now offers cover for cancellation or abandonment if you have a positive Coronavirus test result within 14 days of your departure date. Plus you get emergency medical cover and repatriation if you fall ill with Coronavirus while you're on holiday. Read more here about Saga's Covid cover.

Here is a sample of some of the coverage you get (and don't get) for Covid from Saga travel insurance before you travel:

Saga Travel Insurance Key Points

• Travel insurance for those at least 50 years of age (no upper age limit)
• Annual, Multi-Trip cover for trips up to 45 days each (total 120 max days per policy year)
• Single Trip cover up to 120 days
• Includes End Supplier Failure, Catastrophe, Baggage, Golf, lounge access for int'l flight delays, etc.
• Optional extras: Winter Sports and Hire Car Excess Waiver
• Average 25% discount online
• Choice of excess on direct policies of £70, £150 or £250

Saga Insurance Customer Reviews

Over 38,000 customers have awarded Saga plc a solid 4.3 out of 5 on Trustpilot . Common themes amongst the comments were good value (cheap prices), easy-to-use website and friendly/knowledgeable staff on the phone lines. This rating reflects Saga as a whole, not just their travel insurance.

Here is a sample of the mostly positive experiences:

"What a quick, simple process. I had been told by friends this was the case and that I should try Saga for travel insurance first. They were absolutely right. I have already recommended Saga to my partner. In, fact, I would recommend Saga to anyone who asks." "I got my requested travel insurance at a fair price. I did have a bit of trouble with the web site, which might have been due to a poor connection. I used the 'chat' feature and got prompt and helpful advice." "I was so relieved that Saga made the application for travel insurance quite easy to do. I panicked when it directed me to open my banking app but I was successful with their directions and it was approved. I’m not that good on the internet and am 75 years old but got this done so am very happy." "Just organised travel insurance through Saga. So easy. Competitive pricing. Covers exhausting health issues. Excellent Service from Samuel. Have a policy that caters for my needs. It was easy to purchase. Samuel gave me sound advice. He was patient and courteous. Excellent customer service all round. I do have other insurance products with Saga. I do recommend their services both to family and friends. Thank you Samuel. You were outstanding. Good luck in your future career with Saga" "Fantastic service all round and great prices." "Excellent, as ever. Always good price and great service." "Brilliant trustworthy and always give the maximum help when you contact them. I will never change back to other insurers.... you need someone who really has your best interests at heart when things are difficult and are prepared to really listen and give support in any form. Top rating and then some!!" "I have tried to ring them 9 times, waiting in the phone for over 35 mins. Sent emails asking for someone to ring, that was 3 weeks ago, still waiting!" "We made a claim earlier this year for the theft of luggage on the travel policy. The amount offered in settlement we believe was unrealistic and unfair. After lodging a complaint and receiving a decision from Collinson Insurance, who act for SAGA we have made no progress towards a increased settlement figure. Perhaps we should have insured with Zurich as our traveling companions did who made a virtually identical claim and received a prompt and realistic settlement to their claim. Not recommended." "We had a travel insurance policy with SAGA Services, which we had to claim under due to C-19 in April 2020. On 11th June 2020, SAGA agreed the claim, by email, in full and promised to pay the amount due within 5 days. After 6 days we called them as no money had been received , they confirmed the claim and apologized for the delay. After 10 days we called back and they then said they had made an error , and despite them having sent an email agreeing the claim they were no longer going to pay it, as it had been an error. Since then I have written to the CEO's office twice and received two letters claiming it isn't their problem , as the mistake is with the insurance company. In short you can't rely on anything they say..."

Saga Travel Insurance Prices

While travellers of any age can get a Saga travel insurance policy, premiums rise significantly as travellers age—especially for worldwide coverage including the USA. To get an understanding of how age affects prices, we gathered sample quotes of Saga Travel Insurance across various age groups (50, 60, 70, 80 and 90 years of age).

Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the pricing data in this article for general educational purposes only; your quotes may reflect a large degree of variation to quotes listed here.

Premiums with Pre-Existing Conditions

Travellers with Pre-Existing Conditions will pay more for travel insurance, in nearly all cases. The additional premium will depend on a lot of factors, such as your age, the geographic coverage (e.g. it's more expensive to cover medical conditions in USA than Europe), type of pre-existing condition (some are riskier than others), health history (e.g. were you a smoker? are you on new medication?), etc. Trips to Europe are more cost effective than the USA, when you have pre-existing conditions.

For instance, our data analysis of prices from the Saga website shows that common conditions of high blood pressure and cholesterol cost 38% or 51% more for a 70 year old going to France or the USA, respectively. And for someone who's had a heart attack, stent and heart bypass, the premium increases are 74% and 151%, respectively.

How Expensive is Saga Travel Insurance with Pre-Existing Conditions?

How much does winter sports add-on cost.

The cost of Winter Sports cover practically doubles with every decade of age. While Saga will sell Winter Sports cover to you regardless of age, it doesn't come cheap, especially for older travellers to North America. For instance, we found that Winter Sports cover for an 80-year old heading to Aspen would cost over £500.

After reading through the Saga travel insurance policy documents, we feel these are the most notable features. In addition, standard features like Medical and Personal Liability are also included on Saga policies, limits for which can be found below . For more complete details like inner limits and exclusions, please see the policy documents .

Types of Saga Travel Insurance Policies

Saga offers one level of travel insurance cover when you buy direct, and they offer one level of cover when you buy from a comparison site—but the limits vary between these two options. Policies bought direct are expected to be more expensive, because they have higher cover limits across many categories.

Regardless of where you buy, you can purchase as an Annual, Multi-Trip policy or a Single Trip policy.

Saga Single Trip: Saga Single Trip travel insurance covers trips up to 120 days abroad.

Saga Annual Multi-Trip: Saga Annual, Multi-Trip policies cover trips up to 45 days in length (with the option to extend to 60 or 90 days on policies excluding travel to USA, Mexico, Canada and the Caribbean Islands). Within each policy year, you can travel as many time as you want provided your total time abroad doesn’t exceed 120 days.

You can add Winter Sports and Hire Car Excess Waiver cover to all policies; Golf is already included as standard. Note, policies have lower limits/fewer features for UK-based holidays .

Cover Limits for Policies Bought Direct (Single & Annual Multi-Trip)

Cover limits for optional winter sports travel insurance (direct policies only), cover limits for saga golf travel insurance (included).

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Saga Travel Insurance Compare to Competitors?

To better understand the value of Saga travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Saga Travel Insurance vs Direct Line Travel Insurance

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure . While prices are a bit higher than average, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard. There is an upper age limit of 75 years old for Direct Line Multi-Trip policies; there is no upper age limit on Single Trip policies.

Bottom Line: If you book trips with miles, Direct Line might offer better cover since they reimburse for used miles/points if your trip is cancelled or curtailed.

Saga Travel Insurance vs AXA Travel Insurance

In our opinion, AXA travel insurance offers solid cover for reasonable prices. Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe are included on all plans. Single trip policies an upper age limit of 80 years; the age limit for travellers on multi-trip policies is 75 years old. There is no upper age limit for Winter Sports cover, other than the policy age limits mentioned above. AXA is another provider for which you can select your pre-existing conditions online without calling in to customer service.

Bottom Line: AXA might be another solid option for travellers in their 50s, 60s and 70s, who can benefit from a simply online system for notifying of pre-existing conditions.

Other Useful Information

• Saga Travel Insurance Policy Book

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Booking your holiday

How do i book my holiday.

If you're taking out the optional Saga Holidays Travel Insurance , which is tailored for the over 50s, we’ll also need your medical history to check your eligibility. It’s underwritten by Astrenska Insurance Limited.

To book you'll need these details for everyone who’s travelling:

Date of birth

Home address

Contact number

Passport number

Emergency contact details

For European and long-haul holidays: 0800 9885 886

Monday-Friday: 08:00 to 17:00

Saturday: 09:00 to 18:00

Sunday: 10:00 to 16:00

Can I see holiday itineraries before I book?

You can look at itineraries on our website. We'll send you a full itinerary once you've booked, around 10 weeks before your departure.

How do I know if a holiday is suitable for me?

If you aren’t sure, have a look at our accessibility and support section . Or get in touch and we’ll help you decide.

How can I get help with my booking?

You can message one of our live chat team using the blue ‘chat now’ button on the right of the screen, when available.

How do I get the latest brochures?

You can read our brochures online or order a copies by post . If you’d like them posted, just choose which you’d like us to send and they’ll appear on the top left of the page. Then enter your address and we’ll post them out.

Please can you remove me from your mailing list?

Of course. The best way to do this is to update your communication preferences at MySaga Or call us free on 0800 092 3665 .

Please note it might take up to six weeks for us to stop mailing you.

Changing or cancelling your holiday

Can i change my holiday.

Yes. You can change up to 75 days before you depart for your holiday. There'll be a small fee for the changes and if your new holiday is more expensive, you'll need to pay the difference. If it's less than 75 days before your holiday, the cost will be calculated based on your booking. Just get in touch:

For European holidays: 0800 9885 886

For long haul holidays: 0800 9885 886

How do I update my contact details?

Either use Manage my booking or get in touch and we'll update them for you.

How do I update my passport details?

You can do this in Manage my booking . Or get in touch and we'll update them for you.

What if I change my mind after I’ve booked?

You are welcome to cancel or change your booking - just get in touch .

You’ll be charged our normal cancellation or amendment fees. You’ll find these in our booking conditions .

Destinations

Do i need any vaccinations.

If you’re travelling anywhere that needs them, we’ll tell you when you book. And we’ll remind you in your confirmation documents.

You can also check the latest advice on the NHS Fit for Travel website . If you need any jabs we recommend speaking to your doctor at least 12 weeks before you leave.

Where can I check for changes and updates to my holiday?

We publish the latest information on our travel updates page . If we need to make any changes because of global events we’ll get in touch to talk them over.

What money should I bring?

It’s a good idea to bring foreign currency for any excursions you’re going to take. You can also pay by card in plenty of places – though you might want to check fees and let your card provider know you’ll be travelling.

Where can I find the latest travel advice?

Just go to the UK government foreign travel advice website .

Do you arrange my ESTA for me?

You'll need to arrange your ESTA yourself if you're travelling to the US on an Escorted Tour.

When will I get my visa forms?

If you need a visa for your Europe hotel holiday, we’ll send you the form about eight weeks before you leave. If it hasn't arrived by then, please get in touch or email us at [email protected] .

If you need a visa for your Escorted Tour, you'll need to arrange this yourself. Find advice on what to do at CIBT and the FCDO . Generally, you should apply for your visa around 10-12 weeks before your tour.

Can I pre-book excursions?

Yes, you can. You can book some excursions in advance and others on your tour or at your hotel.

Why should I book excursions on my holiday?

They’re a great way to see more of the places you visit. Most excursions have an experienced guide who’ll answer questions and tell you lots of fascinating facts and stories about the place you’re visiting.

What should I wear for an excursion?

We recommend comfortable, low-heeled shoes.

If you’re visiting churches, cathedrals or other holy places, please dress modestly – so no shorts or bare arms.

Please also bear in mind that some places – especially museums – don’t let you carry bags and cameras. You might need to pay to check them into a locker or safety deposit box.

Do I need to pay tips for excursions?

We don’t include them in the price. You absolutely don’t have to tip your guide or driver, but they’ll always appreciate it if they’ve made a difference to your day. We'll leave the amount up to you.

Are refreshments included in the price?

No. You’ll need to buy refreshments unless we say otherwise when you book.

Will anyone from Saga be on my excursion?

Yes. A host or tour manager will join you on your tour.

What is your smoking policy?

You can smoke or vape where it’s allowed in public places, but not when you’re on our coaches.

How do I pay?

By debit or credit card, or by cheque.

Please make cheques payable to Saga Holidays with your name, address and booking reference written on the back. Then post them to Saga PLC, 3 Pancras Square, London, N1C 4AG .

If you book an excursion in resort, you can pay by any Visa or Mastercard credit card. Local currency may also be used but it'll depend on where you're going.

Can I cancel an excursion?

You can change to another excursion up to 72 hours before the day your holiday starts.

If you cancel completely or make a change within 72 hours, you’ll still need to pay the full excursion cost (unless you have a medical certificate to show why you’re cancelling so late).

What’s included in the excursion price?

The price includes all entry fees for sites and attractions unless we say otherwise. Our prices are right when we publish them. They might go up though – especially if you’re booking while aboard.

What happens if my excursion time changes?

We’ll give you approximate times. So please check the Saga noticeboard or ask your Saga host for exact timings.

What am I covered for on excursions?

Your booking will cover you on our excursions for loss or damage during (or to do with) an excursion up to twice its cost. This excludes death or personal injury caused by our negligence.

How do I know if an excursion is right for me?

You can read through the excursion details or ask one of our team. We’ll be happy to give you advice about whether a particular excursion is right for you – for example if you have walking difficulties or an impairment.

It’s your decision, ultimately. (Unless we’re worried you won’t be safe or could cause problems for other people on the trip.)

Can excursions change after I’ve booked?

Yes, they can. We do everything we can to give you accurate information, but sometimes details can change.

We’ll of course try to let you know about any changes to excursions before you go. But sometimes something might even change during the trip. If there’s a major change you’ll be able to cancel with no charge.

Sometimes, very unusually, we might cancel an excursion if we think it’ll be unsafe or for some reason outside our control. Excursions also have minimum and maximum numbers and are covered by our booking conditions .

Flights and airlines

How do i check in for my flight.

You check in online .

Where can I find out more about my flight?

You’ll see the details after you’ve checked in online . You can see when check-in opens and find out about where you’re sitting, and about assistance and support.

Can I take liquids on the plane?

You can take small amounts of liquid but there are tight restrictions. Please check hand luggage restrictions at UK airports for full details.

Do I need to give Advanced Passenger Information?

If your airline needs extra details for the Advanced Passenger Information system, we’ll let you know when you book. It’s also a good idea to keep your details up to date in Manage my booking .

What can I take in my hand luggage?

These are the hand luggage restrictions at UK airports .

What time do I need to check in for my flight?

European flights: at least two hours before your flight.

Long haul flights: at least three hours before your flight.

UK domestic flights: at least one hour before your flight.

Don’t worry though: we’ll include these details in your final travel documents.

Which terminal will I fly from?

We’ll let you know in your final travel documents, which you’ll get around two weeks before you leave.

If you are want to book an airport hotel, lounge or parking, we recommend talking to our partners at Holiday Extras . They can find out your terminal details from your flight numbers (which are on your confirmation invoice and in Manage my booking ).

To book with Holiday Extras, either go through their website or call them for free on 0800 093 5431 .

Will someone at the UK airport help me if necessary?

Whilst we don’t have airport representatives at UK airports for all of our overseas holidays, we do have Duty Officers at the end of the phone 24 hours a day, 7 days a week should you need any assistance.

Their telephone number is 01303 771999 .

Will I be met at my destination airport by my Tour Manager?

This will depend on local guidelines, as your Tour Manager may not be allowed in the terminal building. However, they will make sure they are positioned outside in a space where you will be able to find them easily.

Each airline has their own set of requirements for travel. Please follow the link to your chosen airline where you will find all of the important information you will need to bear in mind ahead of your flight.

British Airways

Cathay Pacific

Uzbekistan Airways

General queries

Where can i see my booking conditions.

We’ll send them with your holiday confirmation. And you can also see them in the documents section of Manage my booking . If you haven’t booked yet, you can check our booking conditions .

How old do I need to be to travel with Saga?

Our holidays are exclusively for over-50s. You can travel with a companion who is over 40 though.

I’ve booked a holiday and now it’s not on your website. Is there a problem?

No, it’s fine. It normally just means there aren’t any spaces left. If there are any issues with your booking, we’ll get in touch to let you know.

How can I get help?

You can message one of our live chat team with the blue ‘chat now’ button on the right of the screen, when available.

Am I covered for leisure activities and sports?

Please refer to your policy booklet for details of what activities are covered.

Are there any age limits?

To travel on a Saga holiday with our optional travel insurance the lead booker must be over the age of 50, while additional travellers can be aged 40 or over.

There is no upper age limit.

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

Unfortunately, this is not possible as our optional travel insurance is a set price for all travellers, subject to a medical screening.

Do I need travel insurance?

Yes. You’ll need comprehensive travel insurance covering your holiday.

We include optional Saga Holidays Travel Insurance with all our overseas holidays. It’s underwritten by Astrenska Insurance Ltd and includes extra cancellation rights. You’ll need to answer some questions about your health before you take it out. See what's covered .

If you don’t want our optional Saga Holidays Travel Insurance, we’ll take it off your price and you can arrange your own cover.

Do I need travel insurance in European Union countries?

Yes, the European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) is not a substitute for travel insurance – It is complementary to it.

An EHIC or 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 may cancel your Saga optional travel insurance policy at any time prior to your departure date and receive the relevant discount.

Please contact us free of charge on 0800 092 6160 to speak to our Insurance Department.

How can I update my medical conditions?

If you have optional Saga Holidays Travel Insurance and your health changes, please tell us as soon as you can. This means we can make sure you stay covered. Just call us for free on:

How do I contact Saga?

If you need to discuss any matters concerning your optional travel insurance, please contact the Holidays Customer Care team by calling free on 0800 092 6160 .

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

I live outside the UK. Can I get travel insurance or book a holiday through Saga?

Non-UK residents can travel with us. However, we are unable to offer our optional travel insurance to non-UK residents. For more information, please refer to our policy booklet.

What is my policy excess?

An excess of £70 will apply to each claim as follows:

Section 1: Medical and associated expenses

Section 2: Curtailment

Section 5: Baggage

Section 6: Money and documents

Section 10: Travel delay (other than compensation for each 12-hour period where no excess applies).

Why do I have to provide my medical details to get Saga’s optional travel insurance?

At Saga we offer comprehensive cover to suit your needs when joining your Saga Holiday.

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.

Do you offer annual travel insurance?

Yes. If you’re planning on travelling more than once a year our annual travel insurance , arranged by our sister company Saga Services Ltd, may be a better choice.

It gives you up to 120 days of total cover a year or up to 45 days per trip (which you can extend unless you’re travelling to the USA, Mexico, Canada and the Caribbean Islands). It also gives you a discount on Saga holidays or cruises. The policy is underwritten by Astrenska Insurance Limited.

Just call us on 0800 015 8055 or get a quote online to find out more.

What if I can’t take out Saga Holiday Travel Insurance?

If we can’t give you optional Saga Holidays Travel Insurance underwritten by Astrenska Insurance Limited , we may be able to offer you standalone travel insurance, provided by our sister company Saga Services Ltd. To find out more please call 0800 015 8055 or get a quote online .

Is Saga part of the Money Helper travel insurance directory?

Yes, we are. That means we may be able to help cover you if you have a serious medical condition. Find out more about the Money Helper travel insurance directory .

How do I request my documents in a different format?

If you would like to receive your documents in a different format (large print, audio or braille), please contact us on 0800 300 600 so we can discuss your needs.

How do I let you know that a loved one has passed away?

Losing a loved one is always difficult. We understand that organising the administration of your loved one’s estate can feel like a long and arduous task, so we are committed to providing you with guidance and support during this challenging time.

Please call one of our specialist team members on 0800 092 6160 or email [email protected] .

Our team will ensure any policies and bookings are cancelled, discuss any refund available and stop any future promotional mailings and emails (this can take up to six weeks). We will need confirmation of the executor details to progress with any refunds that may be applicable.

Here are some support services you may also find helpful:

A freephone national helpline staffed by trained bereavement volunteers who offer emotional support to anyone affected by bereavement.

Phone: 0808 808 1677

Marie Curie

A free support line and a wealth of information and support on all aspects of bereavement.

Phone: 0800 090 2309

Text relay service

If you use a text relay service in other areas of your life, rest assured we can also interact with you this way. For more information on how to use this service in conjunction with Saga, please refer to your usual text relay service provider.

Why should I tell Saga about my personal circumstances?

Life can be unpredictable; when the unexpected happens, we all need extra support. There are no hard and fast rules around how our personal circumstances can impact us, which is why it’s important to let us know. We can make sure our colleagues offer you the right level of support during your booking journey, and when you're on holiday with us.

How do I tell Saga I have additional needs?

If you have an insurance policy or are looking to purchase insurance with us, you can inform us of any additional support you may need.

You may require additional support if:

You have a physical disability (either temporary or permanent)

You’re living with a mental health condition such as dementia

You’re living with learning difficulties

English is not your first language

You have caring responsibilities, or are cared for

You’ve recently lost a loved one

You have a long-term illness

You have a hearing, sight or speech impairment

You have experienced a significant life event, such as a relationship breakdown or financial loss

You just require a little bit of extra help.

You can contact us by calling 0800 092 6160 or emailing [email protected] .

If I need extra support to understand my insurance policy what services are available to me?

We're only too happy to help. We understand that insurance can be complicated and it's important that you're comfortable and confident that your insurance meets your needs.

If you would like an explanation about the wording or the policy, please let the person you're talking to know.

Don’t be worried about asking questions:

Don’t be afraid to ask us to repeat a question

Please tell us if you need us to slow down or speak up

If you would prefer us to speak to someone you trust who you would like to make decisions on your behalf, just let us know

If at any time a call becomes overwhelming, please let the call handler know, and we’ll call you back once you’ve had a break.

I'm worried that I may have received a scam or fraudulent email. How can Saga help?

It can be worrying after you've received a suspicious phone call, text, letter, or email, or you've been visited by a cold caller who you're not sure is genuine. Unfortunately, there has been a rise in scams since the COVID-19 pandemic.

We’ve set up the Saga Fraud and Scam Helpline for all Saga customers. This 24-hour helpline is provided by Arc Legal Assistance. It's free and you can call any time of the day or night to talk to a trained adviser in complete confidence.

Simply call 0800 656 9921 and quote ' Saga Scam Helpline '.

Managing your booking

How do i manage my booking online.

Just go to our online Manage my booking service to log in. Or you can find the link at the top of the page on the Saga website. Only the lead passenger can log in. You’ll need your booking number, surname and date of birth.

What can I do on Manage my booking?

On Manage my booking you can:

update your details

book excursions

book our VIP door-to-door car service

see your itinerary, room or cabin and flight details.

How do I pay my balance?

The best way is to pay online at Manage my booking . We don’t charge for debit or credit cards. (We don’t take American Express.)

How much is the deposit?

You’ll need to pay a deposit for each guest when you book:

For Escorted Tours - £250 for Short Haul and £395 for Long Haul, or 10% of the holiday cost, whichever is more.

For Hosted Hotel holidays – £195.

You may need to pay a higher deposit or full payment on some holidays, but we'll let you know when you book.

Do you add any extra fees to payments?

You can pay by debit or credit card for no extra charge. (We don’t take American Express.)

How long do refunds take?

We process refunds within 28 days of updating your booking. If we’re refunding to a debit or credit card, it can take up to ten days after we've processed your refund for the money to reach you. If it hasn’t arrived by then, please get in touch .

Where can I find details of what I've paid and how much I have left to pay?

Log in to Manage my booking and go to the ‘payment history’ section. You’ll see what you’ve paid and when, as well as anything left to pay.

I have a voucher – how do I use it?

Once you’ve booked, write your booking reference number on your voucher and send it to 3 Pancras Square, London, N1C 4AG .

We only accept vouchers for your final balance – you can’t use them for deposits.

Prices and costs

What if the price goes up after i've booked.

The price of your tour won't change within 20 days of your departure (unless you choose to add or change something). If the price of your travel goes up by 2% we'll cover this (except for amendment charges).

You may be charged if it goes up by more than 2%. If it increases by more than 8% you can change to another holiday (if we can offer one) and we'll refund any price difference if the new holiday is cheaper.

You can also choose to cancel and receive a full refund (except for amendment charges).

Support and assistance

How do i get a bit of extra help on my holiday.

First of all, find out what we offer on our accessibility and support page . It’ll give you a good idea of how we can help you get the most out of your holiday.

If you’d prefer to talk to someone, get in touch with our guest experience team before you travel.

If you’ve already booked and haven’t asked about assistance yet, please let us know at least 48 hours before you leave.

If you would like support and assistance regarding your connected travel insurance, we offer numerous tools and services to help you.

Upgrades and special requests

Can i upgrade my flight.

Yes, you can upgrade with most scheduled airlines. To find out more and get prices, either use our online chat or get in touch .

Can I upgrade my room?

Some of our hotels offer room upgrades. If you’d like to find out more, use Manage my booking or call us:

Can I add a special request after I’ve booked?

If there’s something specific you need or want, just call us for free:

VIP car service

Can you send a car to pick me up.

Our VIP door-to-door car service means a driver will pick you up from home and take you to the airport. Then they’ll be waiting at the airport when you get back, ready to whisk you back home again.

All tours include our VIP car service. Find out more .

If anything changes (like flight times), we’ll take care of things for you. If you’ve already booked, you can book the car service or get a quote online or get in touch .

When will I know what time I’m being picked up?

We’ll tell you in your final travel documents a couple of weeks before you leave. We plan our journeys carefully so we can’t make any changes to those times.

Where do I meet my driver at the airport?

They’ll be waiting in the arrivals area holding a card with your name. So they should be easy to spot.

What do I do if my car hasn't turned up?

Please call us on 01293 450570 . The line is open 24/7.

How much luggage can I take with Saga’s car service?

We plan for one large suitcase per person. If you’re going to take more, please let us know so we can make sure the car we send is big enough.

What type of vehicle can I expect?

We use executive cars for up to two people and multi-purpose vehicles (MPVs) for three or more people. We’ll let you know what sort of car we’re sending in your final travel documents, next to your pick-up time.

Will there be comfort stops?

It depends how far you’re travelling. Your driver will check with you when they pick you up.

How many people will there be in the vehicle?

You might share the journey with up to three or (very occasionally) five other passengers in one of our larger MPVs. You won’t be cramped though: you’ll always have room to stretch out and stow your luggage.

How far will the shared car service go to pick somebody else up?

If your trip is under 100 miles, it might add up to 30 minutes to the journey. If it’s over 100 miles it might be up to an hour.

When you return

How can i contact the friends i made on my holiday.

We’re more than happy to help you track down any new friends you meet. But we can’t share other people’s contact details. We can send them your details so they can get in touch though.

If you’d like us to do that, just email us at [email protected] with as many details about them as possible.

How can I complain?

We work hard to make sure our holidays go smoothly. And if they don’t, we want to hear about it. So if there’s anything you aren’t happy about, please mention it to your tour manager or Saga Host so they can sort things out.

If you’ve already spoken to them and still aren’t happy, please email us at [email protected] .

How can I share feedback?

If you’ve given us your email in Manage my booking , we’ll send you a survey a couple of days before you return from your holiday.

What happens if my luggage is lost or damaged?

Flights: if your luggage goes missing at the airport or arrives damaged, you’ll need to report it to the airline or baggage handler. They’ll ask you to fill in a property irregularity report (PIR). They’ll either use this to track your luggage or you can use it to claim for damage with your airline. It’s important to report any damage before you leave the airport.

Car service: please get in touch as soon as possible so we can track down your luggage quickly and arrange its safe return.

With the widest choice of holidays and travel experiences than ever before, you can now personalise your trip so you are in complete control. All this is backed up by the high-standards and service you’d expect from Saga.

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Experienced travellers have been enjoying great value Saga holidays for over 70 years.

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You’re in safe hands with Saga. We’re an ABTA member and your holiday is ATOL protected.

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• Saga Cruises

UK only cruise travel insurance

By Stu UK , April 10, 2021 in Saga Cruises

Recommended Posts

Cover   for cruises in UK waters for UK people. This is a minefield once   you get into the policy wording. Many cover medical treatment abroad but specifically exclude treatment and repatriation in UK, you have to read the small print in the actual policy not the headlines.  They assume UK means on land and don’t necessarily cover travellers needs in UK waters. 

Cover for You have updated their information for UK only cruises. First company I have seen who have done this.

This is not a recommendation merely pointing out the detail you need to clarify with your own insurers. 

Link below, need to scan down to the Covid questions.    https://www.coverforyou.com/faqs_travel.php#am-i-covered-for-a-cruise

Link to comment

Share on other sites.

If you have booked a Saga cruise, presumably their insurance will cover you properly.

I stand to be corrected if I’m wrong.

49 minutes ago, silversurf said: If you have booked a Saga cruise, presumably their insurance will cover you properly. I stand to be corrected if I’m wrong.

I would assume the same. 

We've let our annual worldwide insurance lapse since last year as all our future cruises are booked with Saga.

Just looked at the SAGA included insurance for our the Northern Islands trip on 3rd July  which includes the the following statement "This means that we will also cover the associated costs to return you back home following you actually falling ill with a coronavirus on your trip"

On 4/10/2021 at 8:39 PM, Glenndale said: I would assume the same.  We've let our annual worldwide insurance lapse since last year as all our future cruises are booked with Saga.

Does Saga insurance fully cover you for pre-existing medical conditions? It may not be an issue for you, so not a problem. 

Saga take everyone thru screening.

We have minor issues which have not been a problem but of course they have to weigh up risks.

10 hours ago, wowzz said: Does Saga insurance fully cover you for pre-existing medical conditions? It may not be an issue for you, so not a problem. 

Wowzz if you have pre-existing conditions it might be an idea to ring Saga before booking and talk this through with them.

Generally the screening is carried out after booking but if they turn you down I would expect that they would let you cancel your booking and return your deposit.

The only way to know would be to speak to them. 

My experience, the included insurance with Saga goes through medical screening about 12-18 months prior to departure date.

They have a policy of all or nothing - if they cannot cover all existing medical conditions (with or without an extra premium), then you will be declined insurance, with the choice of either arranging your own insurance and getting a refund of the Saga insurance, or cancelling the cruise with a full refund.

The screening is quite straightforward, and (again my experience) they assume that most of their passengers will have existing conditions (one Captain asked by Port officials if any of his passengers were on drugs, answered, "most of them, I imagine").

Many of my dinner companions on Saga ships had Saga included insurance, and also had a mind-boggling array of existing medical conditions, so they must cover a lot (one couple embarked each cruise with a carrier bag full of prescription medication and a phone full of reminders when to take them).

They will not cover you if you are waiting for a diagnosis, they have to know what they are covering.

If you are booking a long way in advance, it is worth while including insurance as the cancellation cover will start immediately regardless of when medical screening will be done.

You can cancel the included insurance at any time prior to the cruise if you decide to take out you own cover, and get a refund of the insurance element.

25 minutes ago, Glenndale said: Wowzz if you have pre-existing conditions it might be an idea to ring Saga before booking and talk this through with them. Generally the screening is carried out after booking but if they turn you down I would expect that they would let you cancel your booking and return your deposit. The only way to know would be to speak to them. 

Hi Glenndale

You say that Saga generally do screening after the booking.  Do you know when this is?  I booked our August 2022 cruise online last September and I now can't remember what health questions I answered, if any!  I opted to take the Saga insurance and was sent the travel insurance policy document.  I do understand that we would need to notify them of anything that is diagnosed prior to the cruise (after booking) but I have a vague recollection that there was information on the online booking form that I would be contacted about 12 months before the cruise for screening but I can't find this in my cruise documentation.  Thank you.

We have a cruise hopefully leaving in September this year and have undergone our screening for this. 

We booked a cruise for next September on-line and have not undergone any screening for this as yet and don't expect any until next year.

Insurance can be an absolute minefield, we have been checking our policy trying to understand the situation with Covid and we are finding it quite confusing.

https://travel.saga.co.uk/-/media/acromas/sagatravel/files/travel insurance policy booklet/csb-tr2772_holidays_interactive.pdf

There is a lot to read through!

42 minutes ago, nosapphire said: My experience, the included insurance with Saga goes through medical screening about 12-18 months prior to departure date. They have a policy of all or nothing - if they cannot cover all existing medical conditions (with or without an extra premium), then you will be declined insurance, with the choice of either arranging your own insurance and getting a refund of the Saga insurance, or cancelling the cruise with a full refund. The screening is quite straightforward, and (again my experience) they assume that most of their passengers will have existing conditions (one Captain asked by Port officials if any of his passengers were on drugs, answered, "most of them, I imagine"). Many of my dinner companions on Saga ships had Saga included insurance, and also had a mind-boggling array of existing medical conditions, so they must cover a lot (one couple embarked each cruise with a carrier bag full of prescription medication and a phone full of reminders when to take them). They will not cover you if you are waiting for a diagnosis, they have to know what they are covering. If you are booking a long way in advance, it is worth while including insurance as the cancellation cover will start immediately regardless of when medical screening will be done. You can cancel the included insurance at any time prior to the cruise if you decide to take out you own cover, and get a refund of the insurance element.

Thanks nosapphire.  Your very comprehensive explanation of screening had not popped up on my computer until after I had asked Glenndale my question (just in case you thought I was ignoring you!).

Thanks for all the replies. At the moment we have various cruises,  land holidays booked, and therefore have annual cover.

I was interested to hear how Saga dealt with  existing conditions, and nosapphire has given an excellent answer.  

• 2 weeks later...

On 4/13/2021 at 10:59 AM, Medeba said: Thanks nosapphire.  Your very comprehensive explanation of screening had not popped up on my computer until after I had asked Glenndale my question (just in case you thought I was ignoring you!).

Yes, thank you for this. I'm more hopeful of being included on Saga insurance now,I only have a stent,copd and type 2 diabetes!

• 1 month later...

On 4/10/2021 at 9:05 AM, Stu UK said:   Cover   for cruises in UK waters for UK people. This is a minefield once   you get into the policy wording. Many cover medical treatment abroad but specifically exclude treatment and repatriation in UK, you have to read the small print in the actual policy not the headlines.  They assume UK means on land and don’t necessarily cover travellers needs in UK waters.  Cover for You have updated their information for UK only cruises. First company I have seen who have done this. This is not a recommendation merely pointing out the detail you need to clarify with your own insurers.  Link below, need to scan down to the Covid questions.    https://www.coverforyou.com/faqs_travel.php#am-i-covered-for-a-cruise

Didn't Saga mention recently this was why they would be including a Fjords journey (ie to dept UK waters) . I just checked this with Zurich who confirmed you only need to leave once in the trips duration(as in most GB cruises pre covid which tend to include Eire or some outside UK point). But I would get this as written confirmation..

As Stu points out though this wont work for a P&O/Cunard or one of the current MSC cruises.. MSC are actually checking for this at boarding as they have already started cruising.

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