Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Christine Krzyszton's image

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

33 Published Articles 3136 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Why Purchase Travel Insurance

The cost of travel insurance, preexisting conditions, travel insurance and medicare, covid-19 and travel insurance, world nomads — best for active seniors, allianz — best for annual multi-trip policies, best for covering covid-19 cancellations, best for preexisting conditions, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Our senior years can be some of the most exciting years of our lives. If we’re fortunate, we’ll now have the time, and hopefully, the resources, to make our travel dreams come true.

As we age, however, traveling may pose some additional risks. We may be more likely to have health-related issues and therefore the need to seek medical attention during our journey. We may also have occasions where we need to cancel our plans due to health issues or the health of those around us.

Now, more than ever, we need to think seriously about purchasing travel insurance. The good news is that comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. With that being said, chances are you could use a little help getting started with the process of finding and purchasing the right plan.

If you’re 65 years of age or older and thinking about purchasing travel insurance, don’t pull the trigger without reviewing the information in today’s article on travel insurance options for seniors.

Travel insurance can protect you from financial loss due to unforeseen events that can cause you to cancel your trip or disrupt your trip once it’s in progress. As we age and our health declines, we may be more likely to experience such an event.

Travel insurance can cover the following situations:

  • You, a family member, or travel companion becomes seriously ill and you must cancel your trip
  • You slip and fall while traveling abroad, require medical care, and are forced to stay in a foreign city until you can travel again
  • You are on safari and break your ankle, requiring emergency evacuation to the nearest hospital

The types of coverage you can expect to find on travel insurance policies include the following:

  • Emergency medical coverage
  • Emergency evacuation
  • Trip cancellation, trip interruption , and trip delay
  • Baggage insurance and personal effects coverage
  • Travel accident and accidental life insurance

You may also elect to add coverage such as cancel for any reason insurance (CFAR) , a waiver for preexisting conditions, or car rental insurance.

What You Need to Know About Age and Travel Insurance

Ambulance Hospital Entrance

It’s possible to purchase travel insurance at just about any age. If you’re healthy enough to travel, you’ll generally be able to find coverage. You’ll normally be paying more to purchase coverage as you get older, however, and most policies may have preexisting health stipulations.

As age increases, so does the cost of purchasing travel insurance . The good news, however, is that premiums tend to vary widely between companies who offer policies for older travelers, so it pays to compare.

The easiest way to compare policies is via insurance comparison sites such as SquareMouth , InsureMyTrip , or TravelInsurance.com . Travel comparison sites make it easy to compare travel insurance policy pricing and coverage options for all ages.

We’ve used these sites to find most of the comparison quotes provided in this article.

As we age, we’re more likely to have preexisting health conditions, which can be excluded from most travel insurance policies. Once again, the good news is that preexisting condition exclusions are generally limited to a specified timeframe previous to the effective date of your policy.

If you have shown symptoms or been treated within a specified time period before your trip, usually 90 to 120 days, your condition may not be covered for certain coverages such as trip interruption, cancellation, or emergency medical. Each company’s requirements may differ.

Also, on a positive note is that many insurers allow you to purchase a preexisting condition waiver when you purchase your policy.

Couple with Medicare

Health insurance may or may not cover medical costs abroad. And even if there is coverage, evacuation costs may not be included. The same scenario exists with Medicare.

Medicare will not cover medical expenses incurred abroad . There are very limited situations where Medicare may grant coverage, such as if you reside in the U.S. and a foreign hospital (such as a Canadian hospital) is closer to your residence than the U.S. hospital, or you’re traveling through Canada to reach another U.S. state or territory. Also, several terms and conditions apply.

There are Medicare supplement policies you can purchase that can cover you while traveling abroad. You’ll pay a standard $250 deductible, have coverage for 80% of eligible expenses beyond that amount, and have a lifetime cap of $50,000 in coverage.

So even if you have Medicare, a Medicare supplement, or other health insurance policy, there can still be plenty of gaps in coverage when you’re traveling abroad.

For this reason, and the need for additional coverage such as trip cancellation, interruption, delay, baggage coverage, and more, it’s prudent to purchase travel insurance.

Bottom Line: Medicare will generally not cover medical expenses when you’re traveling outside of the U.S. and its territories and Medicare supplement and Advantage policies provide limited coverage. Travel insurance is a wise choice for covering medical expenses and for other travel-related events that could cause you to cancel your trip or disrupt your journey in progress. 

As we advance in age, the chance we will need to cancel a trip due to health-related issues increases. Fortunately, most travel insurance policies cover trip cancellations due to illness. However, travel insurance policies do not cover voluntary cancellations such as canceling your trip due to the fear of getting sick.

Cancel for any reason insurance (CFAR), when added to a travel insurance policy, will allow you to cancel your trip for any reason you deem necessary. It will even cover you if you simply decide not to go.

While CFAR insurance allows you to cancel your trip for any reason, including COVID-19-related issues, the coverage will not reimburse 100% of your costs. The coverage can only be purchased when you purchase your travel insurance or for a short window following the purchase. CFAR insurance can also be expensive.

Our article on COVID-19-related trip cancellations goes into a lot more detail.

Best Travel Insurance Options — Ages 65 to 69

Priorities change as we change and as a result, we may have different insurance needs at age 65 than we do at age 80. Here are some examples of travel insurance plans that might be a fit for travelers age 65-69.

If you’re under age 70, you’ll find comprehensive travel insurance coverage with World Nomads . What sets World Nomads apart from other insurance providers is that they’re experts at insuring active travelers who participate in adventurous activities.

While World Nomads does not offer CFAR insurance, COVID-19 is not excluded as an illness for trip cancellation and emergency medical coverage.

World Nomads only insures those travelers under age 70 and refers older travelers to its partner TripAssure .

For a traveler 68 years of age, traveling to the Netherlands for 8 days, with a total trip cost of $3,000, here are some sample costs.

World Nomads Quote

The main differences in these plans are that the Explorer Plan covers an expanded collection of over 200 covered adventurous activities, has higher limits for trip interruption/cancellation/delay and emergency evacuation, and includes rental car insurance.

Secure your own quote from World Nomads .

Allianz simplifies purchasing travel insurance with its offerings of travel insurance package policies. You can select from single trip policies with several levels of coverage options or annual multi-trip policies that cover every trip you make during the policy period, even ones you haven’t yet planned.

If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips.

Allianz Annual Plan

To learn more about Allianz and its policy offerings , you’ll want to check out our review for details.

Hot Tip: Be sure to compare the price of an annual multi-trip travel insurance policy to a single-trip plan, even if you are only currently planning 1 trip. You may find a better value in the annual multi-trip policy and not have to purchase additional coverage if you should decide to travel again during the policy period. 

Many policies will cover trip cancellation due to getting the virus, but none will cover cancellation due to the fear of getting the virus. To cover cancellations based on the fear of COVID-19, you’ll need a policy that allows you to add CFAR insurance .

The following are just a sampling of companies that offer this option on their policies.

  • John Hancock
  • Seven Corners

Please note that not every policy these companies offer allows you to add CFAR coverage.

For more information on travel insurance covering COVID-19 , we’ve put together an informative article.

Best Travel Insurance Options — Ages 70 to 79

There are a lot of reasons to embrace the wanderlust and travel in your 70s. By then, many have retired and perhaps have more money to spend on travel. There can also be a sense of urgency to travel while we’re still healthy.

As we’ve mentioned, however, as we age we are more apt to have health issues. Fortunately, this doesn’t mean we’ll be unable to purchase travel insurance. Even into our 70s, we’ll have plenty of travel insurance options, and coverage can still be affordable.

Since travel insurance is meant to protect you from unforeseen events, having a preexisting health condition may rule out any chance of coverage for that issue. However, several companies allow you to purchase a waiver so that preexisting health conditions can be covered.

Here are just a few companies that offer this waiver:

  • Travel Guard
  • Travel Insured

Each company has its own requirements for adding a preexisting condition waiver to your policy. You must purchase the policy within a specific time period, such as within 14 to 30 days after making your first trip deposit payment. You may also be required to insure the entire cost of your trip and your health must be medically stable when purchasing the coverage.

Age 80 with CFAR

As a senior, it becomes more and more likely that we will actually have to use our travel insurance coverage as we age. However, even at age 80 or beyond, you’ll still find travel insurance widely available and relatively affordable. Some companies are willing to insure older travelers but charge higher premiums , so it’s wise to compare the pricing of several providers.

Above you’ll find a sampling of 4 SquareMouth quotes for single-trip travel insurance policies that include CFAR insurance for a traveler 80 years of age. The trip’s total cost was stated at $3,000 and was 8 days in length. Quotes ranged from $382 (Seven Corners) to well over $1,000 to insure the trip (not all quotes are shown). Coverage limits can also vary greatly, so it can be beneficial to compare policy limits.

If you’re looking to purchase travel insurance and you’re 80 years of age or older, it’s imperative to compare policies for the best pricing and coverage.

Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that charges the same premium, regardless of age, for its annual plans for travelers ages 65 to 99 . 

Senior Travel

There is 1 type of travel insurance that will cover you, regardless of age . U.S.-issued credit cards come with various types of travel insurance coverages that apply to all primary cardholders.

Typical travel insurance coverage found on credit cards includes the following:

  • Lost, stolen, or damaged luggage insurance
  • Car rental insurance
  • Roadside assistance
  • Travel accident insurance
  • Travel assistance hotline

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® also come with valuable emergency evacuation coverage. Additionally, the Chase Sapphire Preferred ® card  is known for its comprehensive travel insurance benefits, including primary car rental insurance .

To learn more about which credit cards come with travel coverage, check out our article on the best credit cards for travel insurance benefits.

Bottom Line: The travel insurance benefits that come with U.S.-issued credit cards do not generally have age limits for coverage. However, many credit card travel benefits may be secondary to other insurance you might have. This means that you might first have to file a claim with your own insurance before the credit card insurance is valid. 

As seniors, purchasing travel insurance should be a priority for protecting your investment and preventing losses you might incur due to unexpected medical expenses during your travels.

With wide availability, regardless of age, it’s not only a prudent economic move, but it’s also a move that delivers peace of mind before and during your trip.

Finally, always make sure to compare policies as coverages and prices vary widely between travel insurance providers.

You can learn more about the best travel insurance companies for travelers  and the basics of travel insurance in our informative articles.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

Since travel insurance is widely available, even for seniors over 65, the best policy can be found by comparing companies and policies.

Using a travel insurance comparison site such as SquareMouth, InsureMyTrip, or TravelInsurance.com can assist you in comparing coverages and costs between only highly-rated financially stable travel insurance companies.

If you travel more than once per year, consider an annual, multi-trip, policy that covers any trip you take during the policy period.

Does travel insurance cover COVID-19?

Travel insurance is meant to cover unforeseen events. Once COVID-19 was declared a pandemic, it became a known event and is not covered as a reason for canceling your trip plans.

However, there are situations where COVID-19-related claims can be covered. If you become ill with the virus before or during your trip, you may be covered for trip cancellation, trip interruption, or emergency medical.

Does travel insurance cover preexisting medical conditions?

A standard travel insurance policy does not cover ongoing preexisting health conditions. However, many companies will insure you if you have a condition that is stabilized with medicine and no recent treatment has been sought. Requirements vary by travel insurance provider.

Also, many companies allow you to purchase a waiver that will then cover you for preexisting conditions.

Does credit card travel insurance cover flight cancellations?

The trip cancellation, interruption, or delay coverage that comes with your credit card does not cover voluntary flight cancellations.

The coverage does cover some flight cancellations due to unforeseen events such as becoming ill prior to, or during your trip. Coverage varies by credit card issuer but you will find a list of specific covered events in your card’s guide to benefits.

You can also call the number on the back of your card and speak with the claim administer.

Was this page helpful?

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

INSIDERS ONLY: UP PULSE ™

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

Does Travel Insurance Cover the Coronavirus (COVID-19)?

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

travel insurance over 65 saga

Allianz Travel Insurance »

travel insurance over 65 saga

Trawick International »

travel insurance over 65 saga

GeoBlue »

travel insurance over 65 saga

IMG Travel Insurance »

travel insurance over 65 saga

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

  • Rating Details
  • Allianz Travel Insurance
  • Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

  • Allianz Travel Insurance: Best Annual Coverage
  • Trawick International: Best Premium Travel Insurance for Seniors
  • GeoBlue: Best Travel Medical Coverage for Expats
  • IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
  • WorldTrips: Best for Flexibility

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

  • Coverage for COVID-19
  • Trip cancellation coverage up to $3,000
  • Trip interruption coverage up to $3,000
  • Emergency medical coverage up to $20,000
  • Emergency medical evacuation coverage up to $100,000
  • Baggage loss coverage up to $1,000
  • Baggage delay insurance up to $200
  • Travel delay coverage up to $600 ($200 daily limit)
  • Rental car damage and theft coverage up to $45,000
  • Travel accident coverage up to $25,000
  • 24-hour hotline for assistance
  • Concierge service
  • Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

  • Up to $15,000 in trip cancellation insurance
  • Up to $22,500 in trip interruption coverage
  • Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
  • Up to $1,000 for missed connections
  • Up to $150,000 for emergency medical expenses
  • Up to $1 million in emergency medical evacuation coverage
  • $750 in emergency dental coverage
  • $2,000 in coverage for baggage and personal effects
  • $400 in baggage delay coverage
  • 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

  • Preventive and routine care
  • Professional services like surgery
  • Inpatient medical care
  • Ambulatory and therapeutic services
  • Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

  • Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
  • Emergency and nonemergency medical evacuation coverage
  • Coverage for emergency reunions
  • Return of mortal remains
  • Trip interruption coverage worth up to $5,000
  • Lost luggage coverage worth up to $250 (up to $50 per item)
  • Coverage for terrorism worth up to $50,000
  • Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

  • Up to $1 million in emergency evacuation coverage
  • Medical benefits like hospital room and board, chiropractic care, and more
  • Coverage for repatriation of remains
  • Up to $25,000 in personal liability coverage
  • Up to $10,000 in trip interruption insurance
  • Up to $1,000 in coverage for lost checked luggage
  • Up to $100 per day in coverage for travel delays of 12-plus hours
  • Up to $1,500 in coverage for bedside visits
  • Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

travel insurance over 65 saga

9 Best Travel Insurance Companies of April 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

travel insurance over 65 saga

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

travel insurance over 65 saga

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

travel insurance over 65 saga

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

Saga logo

  • All Insurance
  • Other Insurance

Headset icon

  • Car insurance
  • Electric car insurance
  • Saga Multi Car insurance
  • 3-year fixed price car insurance
  • Car insurance extra coverage
  • Car insurance FAQs
  • Breakdown cover
  • Over 50s car insurance
  • Over 70s car insurance
  • European cover insurance
  • Existing car insurance customers
  • How to make a car insurance claim
  • Guides to car insurance
  • Over 60s car insurance
  • Named driver insurance
  • Gap insurance
  • Increased Personal Accident Cover
  • Business car insurance
  • Motor legal protection
  • Comprehensive insurance
  • Third party fire & theft
  • Courtesy car
  • Car key insurance
  • Replacement car extension
  • European breakdown cover explained
  • Motorhome insurance
  • Motorhome breakdown cover
  • 3-year fixed price motorhome insurance
  • Motorhome insurance extra coverage
  • Motorhome insurance FAQs
  • Existing motorhome insurance customers
  • How to make a motorhome insurance claim
  • Home insurance
  • 3-year fixed price home insurance
  • Buildings insurance
  • Contents insurance
  • Buildings and contents insurance
  • Renters insurance
  • Home insurance FAQs
  • Home insurance extra coverage
  • Accidental damage insurance
  • Over 50s home insurance
  • Over 60s home insurance
  • High value home insurance
  • Existing home insurance customers
  • How to make a home insurance claim
  • Guides to home insurance
  • Boiler cover
  • Flood Re - Flood risk home insurance
  • Over 80s home insurance
  • Home insurance legal cover
  • Bicycle insurance
  • Trace and access cover
  • Personal belongings insurance
  • Holiday home insurance
  • Flat roof insurance
  • Home emergency cover
  • Accidental pet damage
  • Landlord insurance
  • Landlord boiler cover
  • Existing landlord insurance customers
  • Landlord insurance FAQs

Travel insurance

  • Single trip travel insurance
  • Annual multi-trip travel insurance
  • Pre-existing medical conditions
  • Travel insurance FAQs
  • Coronavirus
  • UK travel insurance
  • Travel insurance over 65
  • Cruise travel insurance
  • Ski travel insurance
  • Travel insurance glossary of terms
  • Travel insurance over 70
  • Leisure activities
  • Existing travel insurance customers
  • How to make a travel insurance claim
  • Travel GP service
  • Delayed flight assistance
  • What to do in an emergency
  • Medical claims
  • Holiday checklist
  • Avoiding travel claim rejection
  • Baggage claims
  • What to do in case of travel disruption
  • Health insurance
  • What is health insurance?
  • Your choice of hospital
  • Health insurance glossary of terms
  • Existing health insurance customers
  • How to make a health insurance claim
  • Switching health insurance provider
  • Options to improve your cover
  • Underwriting methods
  • Compare HealthPlans
  • Cancer cover
  • Saga GP service
  • Joint replacement cover
  • Pet insurance
  • Existing pet insurance customers
  • Caravan insurance
  • Existing caravan insurance customers
  • Caravan insurance FAQs
  • SOS Personal alarm
  • All holidays
  • Destinations
  • Holiday types
  • Travelling with us

Calendar icon

  • Croatia holidays
  • Cyprus holidays
  • Greece holidays
  • Italy holidays
  • Malta holidays
  • Montenegro holidays
  • Portugal holidays
  • Spain holidays
  • UK holidays
  • All Europe holidays
  • Botswana holidays
  • Egypt holidays
  • Kenya holidays
  • Madagascar holidays
  • Mauritius holidays
  • Morocco holidays
  • Namibia holidays
  • South Africa holidays
  • Zimbabwe holidays
  • All Africa holidays
  • Borneo holidays
  • Cambodia holidays
  • India holidays
  • Indonesia & Bali holidays
  • Japan holidays
  • Maldives holidays
  • Thailand holidays
  • UAE holidays
  • Vietnam holidays
  • All Asia holidays
  • Canada holidays
  • Costa Rica holidays
  • Mexico holidays
  • USA holidays
  • All North America holidays
  • Argentina holidays
  • Brazil holidays
  • Chile holidays
  • Ecuador & Galapagos holidays
  • Peru holidays
  • All South America holidays
  • Antigua holidays
  • Bahamas holidays
  • Barbados holidays
  • Bermuda holidays
  • Cuba holidays
  • Grenada holidays
  • Jamaica holidays
  • St Lucia holidays
  • All Caribbean holidays
  • Group Tours
  • Escorted tours
  • Rail journeys
  • Cruise & Tour
  • Private jet tours
  • Small group tours
  • Small ship cruising
  • Safari holidays
  • Stay & Explore
  • Hotel Holidays
  • Hotels & resorts
  • Saga hosted hotels
  • Hotels for solo travellers
  • Tailor-Made Travel
  • Independent tours
  • Self-drive holidays
  • Cruise & stay
  • Multi-centre
  • City breaks
  • Luxury beach holidays
  • All inclusive holidays
  • Solo holidays
  • Special interest holidays
  • Winter sun holidays
  • Christmas holidays
  • Long stay holidays
  • Hotel holiday offers
  • Touring holiday offers
  • Tailor-Made Travel offers
  • Last-minute deals
  • Holidays FAQs
  • Your local travel advisor
  • Flying from your local airport
  • Travel updates
  • Our reassurance promise
  • Booking conditions
  • ABTA & ATOL: travel with confidence

Coronavirus cancellation cover

  • Book with confidence
  • VIP travel service
  • Saga Deluxe Service
  • What's included
  • Accessibility & support
  • Online check in
  • Cruise types
  • Ships & experiences
  • Latest travel information

Discovery of Adventure

  • Ocean cruise destinations
  • British Isles & Ireland
  • Mediterranean
  • The Caribbean
  • Scandinavia
  • All ocean cruise destinations
  • River cruise destinations
  • Rhine & her tributaries
  • Dutch & Belgian waterways
  • French waterways
  • German waterways
  • All European river cruise destinations
  • Cruises from UK
  • Cruises from Dover
  • Cruises from Portsmouth
  • Ocean cruises
  • Find your cruise
  • 2024 ocean cruises
  • 2025 ocean cruises
  • All-inclusive ocean cruises
  • No-fly ocean cruises
  • Singles ocean cruises
  • Mini ocean cruises
  • Christmas ocean cruises
  • Winter ocean cruises
  • River cruises
  • 2024 river cruises
  • 2025 river cruises
  • All-inclusive river cruises
  • No-fly river cruises
  • Singles river cruises
  • Christmas river cruises
  • Spring river cruises
  • Summer river cruises
  • Our cruise ships
  • Spirit of Discovery
  • Spirit of Discovery deck plan
  • Spirit of Discovery calendar
  • Spirit of Adventure
  • Spirit of Adventure deck plan
  • Spirit of Adventure calendar
  • The Saga cruise experience
  • Explore ashore
  • Entertainment and activities
  • Celebrity guests
  • Why cruise with Saga?
  • Return UK travel service
  • Benefits of booking early
  • Love it guarantee
  • Our river cruise ships
  • Spirit of the Danube
  • Spirit of the Rhine
  • Spirit of the Douro
  • Spirit of the Moselle
  • Amadeus Elegant
  • The river cruise experience
  • Explore ashore on a river cruise
  • Why river cruise with Saga?
  • Travel advice
  • Travel experiences
  • Spirit of Discovery blog
  • Spirit of Adventure blog
  • Captains' blogs
  • Ocean cruise offers
  • River cruise offers
  • River cruise summer sale
  • Love it first time guarantee
  • Ocean cruise FAQs
  • River cruise FAQs
  • Equity Release
  • Legal Services
  • Current Saga Savings customers

A couple in the kitchen cooking

  • Types of equity release
  • Pros and cons of equity release
  • Exclusive Saga product
  • Important information
  • Frequently asked questions
  • Equity release calculator
  • Am I eligible?
  • Request a call back
  • Free equity release guide
  • Book an appointment
  • Interest rates and costs of equity release
  • Is equity release safe?
  • Calculating a lifetime mortgage
  • Can you remortgage to release equity?
  • Does equity release affect inheritance tax?
  • Eligible property types
  • How much is my house worth?
  • Alternatives to equity release
  • Saga Easy Access Savings Account
  • Saga Cash ISA
  • Fixed term accounts
  • Current customers
  • Lasting power of attorney
  • Remortgaging
  • Savings as security
  • Deposit Boost
  • Retirement Interest Only
  • Income Boost
  • All Magazine
  • Home & Food
  • Wellbeing & Relationships
  • Travel & Leisure
  • Money & Motor

.

  • Home & Garden
  • Homes & Interiors
  • Hobbies & Craft
  • Cooking Tips
  • Health & Wellbeing
  • Health Conditions
  • Diet & Nutrition
  • Mental Wellbeing
  • Mental Health
  • Relationships
  • Dating Over 50
  • Love & Sex
  • Bereavement
  • Solo Holidays
  • Special Interest Holidays
  • City Guides
  • Travel Advice
  • Entertainment
  • Savings & Investments
  • Saving & Spending
  • Personal Finance
  • Buying & Selling Property
  • Caravans & Motorhomes
  • Keep in touch

Contact Us

Home Travel insurance

You do not have JavaScript turned on.

You will not be able to use this site without JavaScript.

  • Destination 2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2027 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Any date Any duration 1 - 7 nights 8 - 13 nights 14 - 28 nights 28 or more nights 1 passenger 2 passengers 3 passengers 4 passengers or, find by brochure code
  • Hotel holidays 2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2027 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Any date Any duration 1 - 7 nights 8 - 13 nights 14 - 28 nights 28 or more nights 1 passenger 2 passengers 3 passengers 4 passengers or, find by brochure code
  • Tour holidays All regions 2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2027 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Any date Any duration 1 - 7 nights 8 - 13 nights 14 - 28 nights 28 or more nights 1 passenger 2 passengers 3 passengers 4 passengers or, find by brochure code
  • Ocean cruises All regions 2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2027 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Any date Any duration 1 - 7 nights 8 - 13 nights 14 - 28 nights 28 or more nights 1 passenger 2 passengers or, find by brochure code
  • River cruises All regions 2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2027 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Any date Any duration 1 - 7 nights 8 - 13 nights 14 - 28 nights 28 or more nights 1 passenger 2 passengers or, find by brochure code
  • Special interests 2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2027 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Any date 1 passenger 2 passengers 3 passengers 4 passengers or, find by brochure code
  • Singles holidays 2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2027 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Any date Any duration 1 - 7 nights 8 - 13 nights 14 - 28 nights 28 or more nights 1 passenger 2 passengers 3 passengers 4 passengers or, find by brochure code

*

It's important to be well insured when you travel abroad

Saga holidays travel insurance.

We include comprehensive travel insurance and additional cancellation rights with all of our overseas holidays, including the Channel Islands, Northern Ireland, the Isles of Scilly and river and ocean cruises.

If you have your own insurance a price reduction is available.

Saga’s range of insurance products is designed specifically for our customers and is unique to us. Saga Holidays Travel Insurance is underwritten by Astrenska Insurance Limited who meet our high standards of quality and service. Cover is subject to medical questions.

For holidays in mainland Britain, if you take the UK insurance we will also include additional cancellation rights.

Saga Holidays are for anyone aged over 50. A travel companion may be over 40.

For information on our additional cancellation rights, please refer to section 11 of our booking conditions .

Please be aware that separate cancellation cover for Coronavirus is included when you choose travel insurance.

Our Travel Insurance policy will only provide cover for any claims caused by or relating to Coronavirus Disease (COVID-19), or any mutation of, under the 'Emergency medical associated expenses' section of your policy book. This section provides insurance for emergency medical and associated costs not covered by the National Health Service or any reciprocal health agreement.

Summary of the travel insurance cover

We’re working hard so you can travel with us again soon.

Our award winning holidays and cruises now offer more peace of mind with included coronavirus cancellation cover .

Planning more than one trip this year?

If you're a regular holidaymaker and travelling more than once in a year, our annual Saga Travel Insurance could be right for you. Tailored for the over 50s, our multi-trip insurance option gives you cover for multiple holidays throughout the year.

With an annual Saga Travel Insurance policy you're covered to travel up to a maximum of 120 days per year in your chosen region or up to 45 days per trip with the option to extend to 60 or 90 days (extensions exclude USA, Canada and the Caribbean Islands).

By clicking a retailer link you consent to third party cookies that track your onward journey. If you make a purchase, Which? will receive an affiliate commission which supports our mission to be the UK's consumer champion .

Saga travel insurance review

Saga travel insurance review

In this article

Saga travel insurance overview

Does saga offer the best travel insurance, how good is saga's travel insurance policy, how good is saga at handling claims, saga travel insurance: how can i claim.

Saga offers travel insurance for the over-50s.

It's listed as a specialist in covering serious medical conditions on the official Travel Insurance Directory, which is compiled by MoneyHelper and the Financial Conduct Authority.

Saga offers one travel insurance policy, which can be bought for annual cover and single trips. It is underwritten by Astrenska Insurance Limited.

travel insurance over 65 saga

Compare travel insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

We've rated dozens of insurers on their policies and, where possible, claims service. 

Members can log in to read our full reviews. If you're not already a member, join Which? and get full access to these results and all our reviews.

Members can log in to read our full policy analysis. 

If you're not already a member, join Which? and get full access to these results and all our reviews.

The latest data from the Financial Conduct Authority show that Saga's underwriter - Astrenska - paid out 85-90% of claims made on annual European policies in 2022. This was above the average rate of 76%

It accepted 85-90% of claims made on annual worldwide policies - above the average of 82%.

It paid 80-85% of claims made on single trip policies - above the average rate of 73%.

Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now

Medical emergencies abroad or lost/stolen passports: (+44) 1444 442 105  ( from abroad )  or   0800 092 2101 (from UK).

For all other claims it's (+44) 1444 442106 (from abroad) or 0800 092 2099 (from UK).

You'll need your policy document when you call.

Compare travel insurance

Find the right policy for your holiday using the service provided by Confused.com

Travel insurance reviews

  • Best travel insurance 2024
  • All Clear travel insurance review
  • Admiral travel insurance review
  • Avanti travel insurance review
  • Avion travel insurance review
  • Aviva travel insurance review
  • Barclays travel insurance review
  • Direct Line travel insurance review
  • Flexicover travel insurance review
  • InsureandGo travel insurance review
  • Nationwide travel insurance review
  • NFU Mutual travel insurance review
  • Post Office travel insurance review
  • Sainsbury's Bank travel insurance review
  • Staysure travel insurance review
  • Tesco Bank travel insurance review
  • Unity Travel travel insurance review
  • Share on Facebook
  • Share by email

Latest News In Which? Insurance

travel insurance over 65 saga

7 common travel insurance mistakes to avoid when holidaying abroad

27 Apr 2024

travel insurance over 65 saga

6 questions to ask before taking out private medical insurance

26 Apr 2024

travel insurance over 65 saga

Industry promises to change pay-monthly car insurance – but is it enough?

25 Apr 2024

travel insurance over 65 saga

9 myths about income protection busted

20 Apr 2024

Cat on fence 443428

How not chipping your cat could impact your pet insurance

19 Apr 2024

travel insurance over 65 saga

What's happening to car insurance premiums?

18 Apr 2024

Woman on phone

The cheapest and most expensive car and home insurers for paying monthly

17 Apr 2024

Family sitting around a kitchen table

Two thirds of adults in their 30s don't have enough life insurance

12 Apr 2024

travel insurance over 65 saga

6 things pet owners need to know about home insurance

11 Apr 2024

travel insurance over 65 saga

Are car insurers underpaying claims?

06 Apr 2024

travel insurance over 65 saga

Easter holidays: parents warned to check home insurance cover

28 Mar 2024

travel insurance over 65 saga

10 most expensive jobs for life insurance premiums

27 Mar 2024

travel insurance over 65 saga

Which? Shorts podcast: should you get discount car cover?

travel insurance over 65 saga

Home insurance costs surge by 40% in a year: ways to save

18 Mar 2024

Lost dog.

Can pet insurance help if your pet goes missing?

15 Mar 2024

Drivers confused by car insurance excess – how to set the right amount

14 Mar 2024

travel insurance over 65 saga

Car insurance premiums jump 50% for young drivers

05 Mar 2024

Is car insurance failing the value for money test?

04 Mar 2024

travel insurance over 65 saga

New plan to tackle soaring car insurance premiums - will it work?

27 Feb 2024

Dogue De Bordeaux - the most expensive dog breed to insure.

10 most expensive dog breeds for pet insurance in 2024

26 Feb 2024

  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • Small business guide
  • View all taxes

The Guide to Senior Travel Insurance

Ramsey Qubein

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

The best senior travel insurance options

Tips for selecting travel insurance for seniors, what else seniors need to know about travel insurance, travel insurance for seniors, recapped.

Travel insurance is a smart way to protect the money you have invested in a big trip in case unforeseen hurdles stop you from traveling. Seemingly now more than ever, last-minute changes can disrupt a trip, and in some cases, the money spent on nonrefundable purchases is at risk. There are numerous travel insurance options for people older than 65, but it is important to understand the nuances of senior travel insurance.

Medical issues or situations at (or en route to) your destination can stifle even the best-laid plans. Many credit cards include travel insurance as one of their benefits. These plans can assist in the event of lost or delayed baggage, flight delays and cancellations, and other adjustments to a trip paid for with that particular card.

When buying supplemental senior citizen travel insurance, don’t rely on the default option presented by your travel provider. There are many considerations to take into account, like how far from home you plan to be, the potential for injury or sickness (including your pre-existing medical conditions), and what may already be covered by other insurance plans you have.

For example, medical evacuation may not be covered, but local transportation to a hospital may be. And remember that U.S. health plans or Medicare coverage are especially limited outside of the country.

Here are some options worth reviewing from a handful of insurance providers: Allianz, Medjet, Travelers and your specific travel provider.

Here are a select few senior travel insurance options for people 65 and older.

travel insurance over 65 saga

Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments overseas, even in the local currency and their preferred payment methods, to keep you from paying out of pocket.

For longer trips, it offers an AllTrips Prime Plan in increments of three, six or 12 months (ideal if you plan to vacation elsewhere during the winter months, for example). This plan covers emergency medical transport. The company takes into account certain pre-existing medical conditions so be sure to read the fine print.

If you fall ill or need assistance during your travels, Medjet ’s supplemental coverage for medical transportation helps you get to your home or the hospital of your choice. It includes air medical transport. This is a membership program that covers emergencies and can be tacked onto trips or purchased annually. While not technically travel insurance, this company offers an additional medical transport option for emergencies.

This coverage can be helpful if you're planning to travel in remote or unfamiliar areas, such as on safaris, to secluded islands and other far-flung destinations.

» Learn more: Does travel insurance cover medical expenses?

Most other travel insurers might only get you to the nearest appropriate hospital facility. For travelers younger than 75, Medjet offers no pre-existing medical condition exclusions and it doesn't rule out the same number of activities that other providers might.

3. Travelers

With the option to buy an annual, multi-trip protector, Travelers insurance covers a whole year of trips with the option to upgrade several features. The add-ons include “Cancel For Any Reason” insurance and trip interruption coverage.

4. Your travel provider’s own plan

On certain types of trips, say a cruise or a Caribbean resort that is prone to hurricanes, using the travel provider’s recommended insurance can be a good bet. This coverage is usually offered as an add-on during the booking process, but it can also be added after the reservation.

Most likely, these policies are designed to cover delay or cancellation issues, but be sure to read the fine print to see if medical transportation or trip interruption is also included.

Choosing a provider of your own can make sense when planning your own travel (let’s say a honeymoon to Paris or the Maldives). If a cruise line or safari outfitter offers insurance of its own, that might be the most comprehensive when it comes to that particular provider’s operations.

» Learn more: The best cruise insurance

Deciding if you need travel insurance is the first hurdle. Next comes the task of selecting the right one without spending more than the cost of what you are actually trying to protect. These are some important tips to consider.

Compare plans

It is wise to compare the options available using aggregator websites like SquareMouth (a NerdWallet partner) and InsureMyTrip.com. These sites compare the options from dozens of different providers detailing what they do and do not cover.

Seeing the exclusions as well as considering them within the framework of your trip can help you select the best plan for your travel needs.

Consider existing coverage

Review your existing coverage, whether that is via your health insurance or any credit card protections you may have. Some of the benefits you might be paying extra for when getting supplemental travel insurance may already be covered.

Read the fine print

Don’t base your final decision on price, as sometimes the cheapest policy may be the most restrictive — and the most expensive policy may give you coverage for activities you won't even be doing.

What may seem like an inclusion may actually be disallowed due to a technicality (terrorist attack or war). If you’re not sure, pick up the phone and ask if your specific situation is covered.

Timing is key. The sooner you buy your travel insurance coverage, the more time you have to benefit from it. The price could also rise the closer you get to departure. If you wait until the departure date to buy it, you would be out of luck if the week before you get sick or the destination closes its borders. Buying insurance after an issue arises won't help you.

Travel insurance is a safe way to protect that sunken cost. Spending money on travel, even with the benefit of loyalty program miles and points to offset some of the cost, can be a significant investment. Chances are that you won’t even need it, but like other insurance policies, it can pay off in the event of unforeseen circumstances. Weigh the cost of potential expenses with the insurance plan. Canceling a rental car for a road trip may not be a big deal, but business class flights and a nonrefundable cruise might be.

Credit card coverage only protects you if you use that card to pay for your travel. The Chase Sapphire Reserve® and The Platinum Card® from American Express also offer travel insurance benefits when paying with points, too. Terms apply. Using the right card for your trip can help save money on other potential travel insurance costs.

» Learn more: Best travel insurance options for older adventurers

What may seem like an unnecessary extra cost can actually help save the day in certain circumstances.

It can pay dividends to understand what your existing coverage includes (especially via a particular credit card) so that travelers over 65 make the most advantageous insurance decision for their trips.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

travel insurance over 65 saga

  • Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
  • Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
  • Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
  • Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
  • Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
  • Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
  • Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
  • Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
  • Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
  • Credit Score Best Credit Monitoring Services Best Identity Theft Protection
  • CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
  • Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
  • Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
  • Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
  • Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
  • Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
  • Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
  • Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
  • Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
  • Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
  • Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
  • HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
  • Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
  • More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
  • Manage Topics
  • Investigations
  • Visual Explainers
  • Newsletters
  • Abortion news
  • Coronavirus
  • Climate Change
  • Vertical Storytelling
  • Corrections Policy
  • College Football
  • High School Sports
  • H.S. Sports Awards
  • Sports Betting
  • College Basketball (M)
  • College Basketball (W)
  • For The Win
  • Sports Pulse
  • Weekly Pulse
  • Buy Tickets
  • Sports Seriously
  • Sports+ States
  • Celebrities
  • Entertainment This!
  • Celebrity Deaths
  • American Influencer Awards
  • Women of the Century
  • Problem Solved
  • Personal Finance
  • Small Business
  • Consumer Recalls
  • Video Games
  • Product Reviews
  • Destinations
  • Airline News
  • Experience America
  • Today's Debate
  • Suzette Hackney
  • Policing the USA
  • Meet the Editorial Board
  • How to Submit Content
  • Hidden Common Ground
  • Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Best travel insurance for seniors in April 2024

Amy Fontinelle

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 4:00 a.m. UTC April 1, 2024

  • path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
  • path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Tin Leg and Trawick International offer the best travel insurance for seniors, according to our analysis of plans’ cost and coverage limits.

Best senior travel insurance plans of 2024

  • Tin Leg: Gold
  • Trawick International: Safe Travels First Class
  • Seven Corners: Trip Protection Choice
  • Generali Global Assistance: Premium
  • Nationwide: Prime

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 840 coverage details evaluated.
  • 84 rates reviewed.
  • 5 levels of fact-checking.

Top-rated travel insurance for seniors

Tin Leg

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, what you should know.

For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.

Pros and cons

  • Excellent $500,000 per person in primary emergency medical coverage.
  • Very good emergency medical coverage of $500,000 per person.
  • Eligible for pre-existing medical condition exclusion waiver if conditions are met.
  • “Cancel for any reason” coverage of 75% available.
  • No “interruption for any reason” upgrade available.
  • Hurricane and weather coverage kicks in only after a 48-hour delay.
  • Lowest baggage and personal item loss coverage of our top-rated senior plans.
  • Lowest travel delay coverage of our top-rated senior plans.
  • No rental car coverage option.

Trawick International

Trawick International

Trawick International’s Safe Travels First Class policy is a relatively inexpensive option that comes with $1 million in emergency medical evacuation coverage and a high per person limit for baggage and personal items loss.

  • Second-cheapest of our best senior plans.
  • Best-in-class medical evacuation coverage of $1 million.
  • Pre-existing condition coverage available if conditions are met.
  • Baggage loss coverage of $2,000 per person is the best among our top senior plans.
  • No “interruption for any reason” coverage upgrade available.
  • Travel delay benefit takes 12 hours to kick in.
  • Lower emergency medical benefit of $150,000 is secondary coverage.

Seven Corners

Seven Corners

Seven Corners’ Trip Protection Choice plan has high emergency medical and medical evacuation limits, as well as rare coverage for non-medical evacuation. In addition to “cancel for any reason” coverage, you can also pay extra for “interruption for any reason” coverage.

  • Excellent $1 million emergency medical evacuation coverage plus $20,000 for non-medical evacuation.
  • Great “interruption for any reason” coverage of 75% available.
  • The most expensive of our top-rated senior travel insurance plans.

Generali Global Assistance

Generali Global Assistance

Generali Global Assistance’s premium plan offers trip interruption coverage of up to 175% of your trip cost. Most top-rated competitors offer a maximum of 150%.

  • Top-notch $1 million per person in medical evacuation coverage.
  • Solid baggage loss coverage of $2,000 per person.
  • “Cancel for any reason” coverage of 75% available.
  • Baggage must be delayed for 12 hours before benefits kick in.
  • Missed connection coverage of $1,000 per person only applies to cruises and tours.
  • Emergency medical expense benefit is secondary coverage.

Nationwide

Nationwide Prime travel insurance offers an exceptional 200% coverage for trip interruption.

  • If you need to cut your trip short for a covered reason, you can be reimbursed up to 200% of your prepaid trip cost.
  • High travel delay coverage of $2,000 per person ($250 per day limit).
  • “Cancel for any reason” coverage of 75% is available.
  • Low missed connection benefit of $500 per person for cruises and tours only.
  • No “interruption for any reason” coverage available.

Compare the best travel insurance for seniors

Trawick International

Via TravelInsurance.com’s website

Seven Corners

Methodology

Our insurance experts analyzed cost and coverage data from 21 plans to determine the best senior travel insurance. For this rating, we only scored travel insurance plans that offer the option to buy “cancel for any reason” (CFAR) coverage .

The benefits we scored out of a possible 100 points include:

Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of international trips and traveler profiles.

Medical expenses: 15 points. Travel insurance plans that offer travel medical expense benefits of $500,000 per person were given the highest amount of points.

Medical evacuation: 15 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.

Pre-existing medical condition exclusion waiver: 20 points. Travel insurance plans that cover pre-existing medical conditions if the policy is purchased within a required timeline received points.

What is covered by travel insurance for seniors?

The best travel insurance bundles several types of insurance to provide financial protection before and during your trip. 

A comprehensive senior travel insurance plan will include the following coverage types: 

  • Trip cancellation insurance . 
  • Trip delay insurance.
  • Trip interruption insurance. 
  • Travel medical insurance. 
  • Emergency medical evacuation .
  • Baggage loss and delay coverage.

What’s the most important travel insurance coverage for senior travelers?

Health is a top concern for older travelers. Travel insurance for senior citizens should have high coverage limits for trip interruption, travel medical insurance and emergency medical evacuation. 

“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and pre-existing conditions,” said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Tin Leg travel insurance.

Older travelers should also pay attention to whether a travel insurance plan’s emergency medical coverage is primary or secondary.

“When traveling outside the U.S., seniors should know that it’s recommended to purchase a travel insurance plan that includes primary emergency medical coverage,” said Berkshire Hathaway Travel Protection vice president, Carol Mueller.

 “Senior travelers on Medicare who purchase a travel insurance plan with secondary medical coverage will need to first try to get Medicare to cover their emergency travel medical expenses, which in many cases is limited to no coverage,” said Mueller. “Avoid the hassle and choose a travel insurance plan with primary medical coverage.”

How to choose the best senior travel insurance

Senior travelers shopping for travel insurance should look for plans with these benefits:

  • Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19 . 
  • Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery. 
  • Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
  • Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%. 
  • “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.

How much does senior travel insurance cost?

The average cost of senior travel insurance is $434 per trip , based on our analysis of rates for older travelers. For senior trips with “cancel for any reason” (CFAR) coverage, the average cost of travel insurance increases to $629.

Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 45% or more to that cost.

How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.

Compare senior travel insurance rates

Tin Leg

Average senior travel insurance costs are based on rates for international trips for travelers ages 65 and 70, with CFAR coverage and without. Travel insurance plans have different levels of benefits, which can account for price differences.

Travel smart: Find cheap travel insurance that meets your needs.

How to save money on travel insurance for seniors

Travel insurance companies don’t typically offer discounts. But if you can get a senior discount on any of your travel itself, you’ll have a smaller trip cost to insure. This will lower the cost of your senior travel insurance.

Getting quotes from multiple travel insurance providers is also a great way to save money. Every policy offers more coverage in some areas and less in others. Depending on what coverage is most important to you, certain policies will give you more value than others. 

Get the coverage you need: What does travel insurance cover?

Is CFAR worth it for senior travelers?

CFAR coverage adds to the cost of your plan, but older travelers may want to consider a travel insurance policy with both trip cancellation insurance and “cancel for any reason” coverage, said Clark.  

CFAR benefits offer maximum flexibility to cancel your plans due to illness, injury or any other reason and will reimburse a percentage of your nonrefundable trip costs, usually 50% or 75%. The only caveat is that you’ll need to cancel at least two days before you plan to travel.

When shopping for travel insurance, look for CFAR-related fine print. You often must buy CFAR within a certain number of days of making your first trip deposit, such as 14 days. You are also usually required to insure the full value of your nonrefundable trip expenses.

More travel insurance for seniors resources

  • What is travel insurance?
  • What does travel insurance cover?
  • Average cost of travel insurance
  • Is travel insurance worth it?
  • Best COVID travel insurance
  • Best cruise travel insurance  

Best senior travel insurance FAQs

If you rely on Medicare for health insurance and you’re traveling internationally, buying senior travel insurance with excellent emergency medical insurance and emergency medical evacuation benefits is a good idea.

“One of the most important considerations for travelers with existing health issues is to find a plan that offers a preexisting condition exclusion waiver,” said Stan Sandberg, cofounder and CEO of TravelInsurance.com. 

To qualify for the waiver, you’ll usually need to purchase your trip insurance policy within seven to 14 days of making your initial trip payment. Some premium policies may extend this coverage if you buy them before or within 24 hours of making your final trip payment, he said.

Even with a waiver, medical bills related to certain excluded conditions such as dementia or depression may not be covered, so read the policy carefully to see if your preexisting conditions qualify.

More: Is travel insurance worth it?

Tin Leg’s Gold plan and Trawick International’s Safe Travel First Class plan provide the best travel insurance for seniors for the price, according to our analysis. These are the only plans to merit 5 stars in our rating.

Yes, you can get travel insurance over 80, but it will cost you more.

Yes. If you’re shopping for travel insurance over 80, for instance, you’ll pay an average of 18% of your total trip cost. That is considerably higher than the average cost of travel insurance for a 30-year-old, which is only 5%.

Travel insurance for the elderly varies by insurer when it comes to upper age limits . If you are concerned about finding the best travel medical insurance for seniors over 7 0 , start with an online comparison site like Squaremouth where you only have to enter your age and trip details once to see which policies are available to you.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

10 worst US airports for flight cancellations last week

AXA Assistance USA travel insurance review 2024

AXA Assistance USA travel insurance review 2024

Travel Insurance Jennifer Simonson

Cheapest travel insurance of April 2024

Cheapest travel insurance of April 2024

Travel Insurance Mandy Sleight

Average flight costs: Travel, airfare and flight statistics 2024

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

John Hancock travel insurance review 2024

HTH Worldwide travel insurance review 2024

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel insurance for Canada

Travelex travel insurance review 2024

Travelex travel insurance review 2024

Best travel insurance companies of April 2024

Best travel insurance companies of April 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

World Nomads travel insurance review 2024

Saga travel insurance review: What do you get for your money?

Saga travel insurance is seen by many as the best option for over 50s. On the surface, it appears to offer everything from single trips to annual travel insurance, flights and cruise travel insurance and more. But what exactly does Saga travel insurance cover? Does Saga travel insurance cover pre-existing and long-term medical conditions? How much flexibility is there on premiums?

Saga travel insurance review: What do you get for your money?

Saga travel insurance: FAQs

Does saga travel insurance cover issues relating to covid-19.

Thankfully, Saga reacted quickly to the challenges of Covid-19 and the potential for significant additional expenses. Whether you require treatment, other accommodation or repatriation, there is specific cover available .

Do Saga holidays include travel insurance?

All holidays booked directly through Saga include the option of comprehensive travel insurance . However, where you choose to take travel insurance from another third party, this will be reflected in the reduced cost of your Saga holiday.

Can I add others to my Saga holiday insurance?

There is the option to add others to your Saga holiday insurance policy . For example, where you take out a multi-trip policy, not only can you add family and friends of any age, but you don't need to travel together.

While many well-known travel insurance companies today have little history, this is not a criticism anyone can aim at Saga . Saga was founded in 1959 with a simple focus: to cater for over 50s regarding insurance, holidays, financial services and healthcare. The fact that Saga travel insurance is, for many, the first port of call today says everything about the company's reputation. While we are focusing on travel insurance, it's worth noting you can obtain other types of cover such as home and car insurance through Saga.

Let's look at  Saga travel insurance , how much it costs, how flexible cover is, and the company's approach to existing medical conditions.

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

  • Some restrictions based on age

Do I qualify for Saga holiday insurance?

As we touched on above, Saga is focused on an array of different services for over 50s. Consequently, to qualify for Saga holiday insurance, you should:

  • Be at least 50 years of age
  • Live in the UK
  • Disclose any pre-existing medical conditions

While Saga will not request a medical certificate or direct advice from your doctor, the onus is on customers to be truthful when completing the online or telephone medical questionnaire. If medical information has been withheld, this may invalidate your cover.

Unlike many travel insurance providers, Saga has been able to keep things relatively simple and avoid customers having to overcome numerous hurdles. When it comes to regulatory cover, as a provider of insurance products, Saga travel insurance is covered by the Financial Conduct Authority (FCA).

Different types of Saga travel insurance

Two central travel insurance policies are available with Saga, single trip travel insurance and annual multi-trip travel insurance. Note there is no upper age limit with Saga travel insurance products.

Saga single trip holiday insurance

While the Saga single trip policy only covers you for a single trip, this can include multiple destinations. Cover is valid for one trip a year, up to a maximum of 120 days, which may include an array of leisure activities. Compared to other insurance providers, Saga single trip policies can be a little more expensive. Still, you get what you pay for - as demonstrated by reviews on the Defaqto and Trustpilot websites.

This insurance product offers comprehensive cover that includes:

There is also a 24/7 travel helpline and the ability to add friends and family under 50 to your policy. While the above figures are standard, you can increase and reduce different types of coverage to lower the cost of your Saga insurance premiums.

Saga annual holiday insurance

As you would expect, Saga annual travel insurance policies offer precisely the same cover as the single trip policy. However, you're covered for multiple trips, up to 45 days per trip, for up to 120 days per year.

Worldwide travel insurance

When you begin to dig a little deeper, you become aware of the flexibility available with Saga travel insurance. There are three primary levels of cover:

  • Worldwide excluding USA, Canada and the Caribbean

If you are travelling predominately within Europe, European-focused travel insurance is cheaper than the worldwide cover. As we go through the various elements of Saga travel insurance policies, you will become aware of the enhanced degree of flexibility.

As a side note, more relevant with the onset of Covid-19, you would not be covered for countries listed as dangerous on the UK government  travel advice website . So it is essential to keep up with the latest news.

Medical conditions

Unlike many travel insurance companies, Saga does not exclude any  pre-existing medical conditions  when offering comprehensive cover. Consequently, Saga holiday insurance is very popular with over 50s, the company's prime target market. At times, the cost of Saga travel insurance policies can sometimes appear higher than others in the marketplace. However, it is important to compare like for like. Not all travel insurance companies will offer the same level of comprehensive cover for over 50s.

When obtaining your travel insurance quote, you will be asked to complete a simple health screening review online or over the phone. This ensures Saga is aware of any potential medical issues, thereby ensuring your policy remains valid.

Awaiting results of medical tests

Unfortunately, if you are awaiting the results of medical tests, you will not be able to secure cover. However, as soon as you receive the results, you will be free to apply for cover, whatever the condition.

Am I covered for Covid-19 with Saga travel insurance?

Saga travel insurance covers you for the following scenarios:

Cancellation of holiday

In the event of a positive coronavirus test within 14 days of your travel commencing, for either:

  • A close relative
  • A member of your travelling party

You will receive a payment covering:

  • Unused travel expenses
  • Accommodation
  • Planned excursions
  • Prepaid charges
  • Other contracted payments

Abandonment

If you are forced to cut your trip short because of a positive test for Covid-19, you will receive payment for expenses as detailed above. The test could relate to you, a family member, someone you are staying with or a member of your travelling party.

Emergency medical expenses/repatriation

We only need to look at additional expenses incurred when receiving Covid-19 related treatment in the UK to appreciate overseas fees and the cost of repatriation. For example, Saga travel insurance includes up to £10 million in medical expenses and repatriation costs should Covid-19 impact you. In addition, the traditional £5,000 health insurance-related cover for UK holidays has been increased to £2 million due to the coronavirus pandemic.

As discussed above, Covid-19 related travel insurance cover will be invalidated if you travel to a country subject to UK government restrictions. Therefore, when taking out your Saga travel insurance, it is essential to discuss your travel plans and how they may or may not be impacted by Covid-19. Take nothing for granted!

Standard features of Saga travel insurance policies

On the surface, Saga travel insurance products may seem a little more expensive than other insurance providers. As ever, the devil is in the detail. It is only when you dig a little deeper that the differences become apparent. We will now expand on the earlier list, which shows the standard features you can expect for single and multi-trip insurance cover:

Alternative accommodation

You can claim up to £5,000 for alternative accommodation and transport costs should any of the following impact you:

  • Natural disasters such as earthquakes and hurricanes
  • Insolvency of the provider
  • An outbreak of food poisoning
  • An episode of infectious disease

The fact that this is standard for all Saga travel insurance policies should give you peace of mind.

Transport issues

If your scheduled airline goes out of business before or after departure, an additional £1,500 is available to cover alternative arrangements.

Enforced stay

In the event of an enforced stay, you can claim £100 for each 24-hour delay, up to a maximum of £1,500. This may involve difficulty:

  • Reaching your destination
  • Returning to pre-booked accommodation
  • Returning home

If after 24 hours you're forced to make alternative arrangements, getting to your destination/returning home, you can claim expenses of up to £1,000.

Missed departure

There is also cover available if you miss your departure for any of the following reasons:

  • Public transport delays
  • Delay to a connecting flight
  • Denied access to your flight (overbooked)
  • Vehicle breakdown or accident on the way to the departure point

Up to £1,000 is available for extra accommodation or travel costs required to get you to your final destination.

If you are forced to abandon your trip due to unforeseen circumstances, Saga covers you up to £10,000. This can be used to reimburse unused travel and accommodation expenses and other prepaid charges. You are also covered for new flight tickets home.

Saga travel insurance helpline

As part of the comprehensive cover offered by Saga, you'll also have access to the Saga travel assistance helpline 24/7. This worldwide service offers assistance about an array of issues, including:

  • Replacement of passports, driver licenses, air tickets and other travel documents
  • Tracing luggage if lost or delayed
  • Contacting your local embassy/consulate
  • Sourcing additional funds from the UK if required
  • Guidance and assistance for your family if you are admitted to hospital
  • A "phone home" service if you are detained for medical treatment
  • Translation/interpretation services if required

It is fair to say that considering the numerous elements of cover provided as standard by Saga travel insurance policies, together with the helpline, this is a comprehensive offering.

How much does Saga travel insurance cost?

One of the benefits of Saga travel insurance is that you can mix and match, and there is excellent flexibility with no upper age limit. For example, a 60-year-old individual looking at a self-catering holiday to Spain would expect to pay around £33 for single trip cover. However, this would increase to just over £60 for Saga's annual holiday insurance cover.

These two premiums are based on:

  • An excess of £150
  • £10,000 of cancellation cover
  • No winter sports
  • No additional travellers

There are also other policy elements that you can remove, increase or decrease depending upon your requirements. For example, you may not require any medical cover if you already have overseas medical insurance through another party. If you are uncertain about the level of cover you need, speak to a Saga representative on the telephone. For those who are clear about their requirements, there is an online system where you can get a quote 24/7.

Does Saga travel insurance offer value for money?

If you look at the Trustpilot and Defaqto review websites, you will see that Saga travel insurance for over 50s has received high praise indeed. Whether it is the fact that existing medical conditions are catered for, the vast range of standard cover or the flexibility available, Saga travel insurance is extremely popular. Consequently, it is safe to say that independent third-party feedback from policyholders suggests Saga offers good value for money.

The UK’s leading travel insurance providers reviewed

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Allianz Travel

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Allianz - Travel

Travel Insurance for Seniors

Travel only gets better when you're over 50. You have enough experience to be comfortable anywhere in the world, from Shanghai to Santiago, and you have the time and resources to plan incredible adventures. Where will your next ticket take you?

Featured Articles

Allianz - two senior travelers

The Simple Guide to Buying Travel Insurance When You're Over 65

This guide covers key benefits and ways for seniors to save money on travel insurance.

Allianz - mature couple on the beach

Buying Annual Travel Insurance Over 65

If you're retired and a frequent traveler, you need yearly travel insurance...

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

Type the country where you will be spending the most amount of time.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

{{articlePreview.snippet}} Read More

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Allianz - TRIP_logo-50

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

Saga travel insurance review

travel insurance over 65 saga

Saga travel insurance review highlights:

  • No upper age limit
  • Covers most pre-existing medical conditions
  • Comprehensive cover as standard with Saga's 5 Star Defaqto Expert Rated Insurance
  • Insures against some coronavirus scenarios

Get a Saga travel insurance quote

Who is Saga?

Saga is a British based holiday and insurance specialist for the over 50s. Having started life as a Folkestone based travel company in 1951, Saga now owns its own cruise ships, has a chartered fleet of river cruise ships and offers a wide range of insurance and financial products including car insurance, home and health insurance and equity release.

saga holiday insurance

What does it cover?

Saga provide single trip and annual travel insurance for the over 50s . Their travel insurance is comprehensive, includes cruise insurance as standard and has no upper age limit. It also covers most pre-existing medical conditions and over 40 popular leisure activities.

Here’s how each option works:

Saga single trip holiday insurance

Single trip travel insurance covers you for a single trip to one or more destinations for up to 120 days. This includes the following services as standard:

  • Up to £10,000 cancellation cover
  • Up to £10 million emergency medical cover
  • Up to £5,000 baggage cover
  • Up to £1,500 for a replacement flight
  • Up to £1,500 enforced stay cover
  • Up to £5,000 substitute accommodation cover
  • Up to £10,000 abandonment cover
  • 24/7 travel helpline
  • Flexibility to add family and friends under 50 years of age

Compare Saga travel insurance

Saga annual travel insurance

Annual travel insurance provides the same benefits as single trip insurance with one big difference. You are covered for multiple trips throughout the year. This includes insurance for up to 120 days per year, with a maximum of up to 45 days per trip and with an option to increase this to 60 or 90 days for some regions.

Depending on the level of cover you choose, Saga travel insurance protects you in the following regions:

  • Worldwide excluding USA, Canada, Mexico and all Caribbean islands

Take a look at over 50s travel insurance

saga holiday insurance

Does Saga offer coronavirus travel insurance cover for the over 50s?

Saga travel insurance now includes standard covid-19 cover should you test positive for coronavirus within 14 days of travel. It also provides cover should your holiday be cut short due to coronavirus, plus up to £10,000,000 of emergency medical expenses and repatriation fees to get you back home.

It's worth mentioning that although no cover can be provided if you travel to a country where the FCDO advise against all travel, Saga are willing to offer cover if the FCDO has advised against all but essential travel. 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, for example COVID-19. This is subject to there being no other government restrictions in place prohibiting travel. If you travel for essential reasons, then you will have full policy coverage in place.

How much does Saga travel insurance cost?

The cost of Saga travel insurance depends on the traveller’s age, health and the type of cover required.

Am I eligible for Saga travel insurance?

To be eligible as the policy holder for Saga travel insurance you must be at least 50 years of age however there is no upper age limit. You must live in the UK and disclose any pre-existing medical conditions, or your policy could be invalid.

Saga will only look to provide cover for diagnosed medical conditons therefore if you are under investigation or awaiting test results of an undiagnosed condition, no cover will be available.

Is Saga travel insurance any good?

My review of Saga travel insurance is designed to help you compare plans and find the best option for you. I would always recommend that you review all of your options to ensure you’re getting the best deal that suits your budget and needs.

Saga travel insurance has the highest possible Defaqto rating. It also has a Trustpilot score of 4.6 out of 5 for all its insurance products. This means both customers and consumer champions alike rate Saga travel insurance as excellent.  

With no upper age limit and cover for most pre-existing medical conditions, Saga offers comprehensive travel insurance as standard. This means it’s simple to arrange yet still offers flexibility to tailor the policy by changing the excess, adding additional travellers and changing the level of cancellation cover.

How to get a Saga travel insurance quote

To get a Saga travel insurance quote, visit their website for more details.

Getting a quote is easy and there is no obligation to proceed.

Travel insurance for over 50s

Frequently asked questions

Who is saga travel insurance underwritten by.

Saga Travel Insurance is underwritten by Astrenska Insurance Limited, which meets our high standards of quality and service.

Does Saga travel insurance cover include repatriation?

Saga travel insurance includes repatriation fees as part of the £10 million emergency medical cover. This includes your repatriation if it is medically necessary and one friend or relative if the doctor thinks it’s appropriate.

Do Saga holidays and Saga Cruises include travel insurance?

All overseas Saga Holidays and Cruises include optional comprehensive travel insurance, subject to a medical screening. However, should you prefer to choose your own travel insurance, a price reduction would be available.

Did you find this information helpful?

We work with

First Choice Health

If you have enjoyed visiting our website we would love you to visit and like our Facebook page where you will find our latest news

How this site works

Our aim is to provide you with clear and accurate information to help you research your chosen financial products and services. The material on this site is for general information only and does not constitute any form of advice or recommendation.

If a link has an * by it, it means it is an affiliated link to an insurance company or broker that may result in a payment to the site. Should you use the equity release calculator, speak to an Age Partnership adviser and take out a plan out using their services, we receive a commission, however this will not affect the price you pay.

Also, from time to time you may see advertisements from third party companies who pay us a fee to advertise their services on our site.

None of the above arrangements constitute advice or recommendations, as other products and companies are available. You should always obtain independent, professional advice for your own situation.

The information provided on this site is accurate at the date of publication, occasionally however, things will change before we have had the opportunity to update them, so please do check. Always do your own research and take independent advice.

We do not investigate the solvency of any company mentioned on our website and are not responsible for the content on websites we link to.

Over50choices is an independent company and regulated by the FCA (No.594280) for insurance products only and a member of the Equity Release Council.

  • All Insurance
  • Other Insurance
  • Bereavement service
  • Support services

Two people sat in a car smiling

A range of cover options to suit your needs

A woman at home doing some admin

3-year fixed price with no tie-ins – T&Cs apply

A mature woman running next to the sea

Get 3 months free before 15 May 2024 – T&Cs apply.

  • Electric car insurance
  • Multi car insurance
  • 3-year fixed price car insurance
  • Car insurance extra coverage
  • Car insurance FAQs
  • Breakdown cover
  • Over 50s car insurance
  • Over 70s car insurance
  • European cover insurance
  • How to make a car insurance claim
  • Over 60s car insurance
  • Named driver insurance
  • GAP insurance
  • Increased Personal Accident Cover
  • Business car insurance
  • Motor legal protection
  • Comprehensive car insurance
  • Third party fire and theft
  • Courtesy car cover
  • Car key insurance
  • Replacement car extension
  • European breakdown cover explained
  • Is your car insured?
  • Motorhome breakdown assistance
  • 3-year fixed price motorhome insurance
  • Motorhome insurance extra coverage
  • Motorhome insurance FAQs
  • Existing motorhome insurance customers
  • How to make a motorhome claim
  • 3-year fixed price home insurance
  • Buildings insurance
  • Contents insurance
  • Buildings and contents insurance
  • Renters insurance
  • Home insurance FAQs
  • Additional home insurance cover options
  • Accidental damage insurance
  • Over 50s home insurance
  • Over 60s home insurance
  • High value home insurance
  • How to make a home insurance claim
  • Boiler cover
  • Flood re - Flood risk home insurance
  • Over 80s home insurance
  • Legal expenses insurance
  • Bicycle insurance
  • Trace and access cover
  • Personal possessions insurance
  • Holiday home insurance
  • Flat roof insurance
  • Emergency cover
  • Accidental pet damage
  • Landlord boiler cover
  • Landlord insurance FAQs

Single trip travel insurance

Annual travel insurance.

  • Pre-existing medical conditions
  • Travel insurance FAQs

Coronavirus information

Uk holidays travel insurance, travel insurance for over 65s.

  • Cruise travel insurance

Ski travel insurance

  • Glossary of terms

Travel insurance for over 70s

Leisure activities.

  • How to make a travel insurance claim

Travel GP service

  • Delayed flight assistance

What to do in an emergency

Medical claims, holiday checklist, avoiding travel claim rejection, baggage claims.

  • What to do in case of travel disruption
  • What is health insurance?
  • Your choice of hospital
  • Health insurance glossary of terms
  • How to make a health insurance claim
  • Options to improve your cover
  • Underwriting methods
  • Cancer cover
  • Saga GP Service
  • Health insurance FAQs
  • Cover for joint replacement surgery
  • Existing pet insurance customers
  • Existing caravan insurance customers
  • Caravan insurance FAQs
  • SOS Personal Alarm FAQs
  • All Holidays
  • Destinations
  • Holiday Types
  • Travelling with us
  • Manage your booking
  • Request a brochure
  • Keep in touch

Hotel swimming pool with sea view

Relaxing hotel-based holidays in the sun, with a Saga Host on hand. 

Giraffe with safari vehicle

Everything's taken care of on a Saga Group Tour, so you can see and do more.

Ulun Danu Beratan temple in Bali, Indonesia

Exciting destinations. Inspiring options. Discover your ideal travel experience.

  • Croatia holidays
  • Cyprus holidays
  • Greece holidays
  • Italy holidays
  • Malta holidays
  • Montenegro holidays
  • Portugal holidays
  • Spain holidays
  • UK holidays
  • All Europe holidays
  • Botswana holidays
  • Egypt holidays
  • Kenya holidays
  • Madagascar holidays
  • Mauritius holidays
  • Morocco holidays
  • Namibia holidays
  • South Africa holidays
  • Zimbabwe holidays
  • All Africa holidays
  • Borneo holidays
  • Cambodia holidays
  • India holidays
  • Indonesia & Bali holidays
  • Japan holidays
  • Maldives holidays
  • Thailand holidays
  • UAE holidays
  • Vietnam holidays
  • All Asia holidays
  • Australia holidays
  • All Australasia holidays
  • Canada holidays
  • Costa Rica holidays
  • Mexico holidays
  • USA holidays
  • All North America holidays
  • Argentina holidays
  • Brazil holidays
  • Chile holidays
  • Ecuador & Galapagos holidays
  • Peru holidays
  • All South America holidays
  • Antigua holidays
  • Bahamas holidays
  • Barbados holidays
  • Bermuda holidays
  • Cuba holidays
  • Grenada holidays
  • St Lucia holidays
  • All Caribbean holidays
  • Escorted Group Tours
  • Rail journeys
  • Cruise & Tour Holidays
  • Private jet tours
  • Small group tours
  • Small ship cruising
  • Safari holidays
  • Stay & Explore
  • Saga Hosted Hotels
  • Solo travellers
  • Hand-picked hotels
  • Hotels & resorts
  • Independent tours
  • Self-drive holidays
  • Cruise & Stay
  • Multi-centre
  • City breaks
  • Luxury beach holidays
  • All inclusive holidays
  • Singles holidays
  • Special interest holidays
  • Winter sun holidays
  • Christmas holidays
  • Long stay holidays
  • Hotel holiday offers
  • Touring holiday offers
  • Tailor-Made Travel offers
  • Last-minute deals
  • 2024 Saga Holidays
  • 2025 Saga Holidays
  • Holidays FAQs
  • Your local travel advisors
  • Flying from your local airport
  • Travel insurance
  • Travel updates
  • Our reassurance promise
  • Booking conditions
  • ABTA & ATOL
  • Coronavirus cancellation cover
  • Book with confidence
  • VIP travel service
  • Saga Deluxe Service
  • What's included
  • Accessibility & support
  • All Cruises
  • Cruise types
  • Ships & experiences
  • Latest travel information

Aerial view of two cruise ships, including Discovery of Adventure

  • British Isles & Ireland
  • Mediterranean
  • The Carribbean
  • Scandinavia
  • All ocean cruise destinations
  • Rhine and her tributaries
  • Dutch & Belgian waterways
  • French waterways
  • German waterways
  • All European river cruise destinations
  • Cruises from Dover
  • Cruises from Portsmouth
  • Find your cruise
  • 2024 ocean cruises
  • 2025 ocean cruises
  • All-inclusive ocean cruises
  • No-fly ocean cruises
  • Singles ocean cruises
  • Mini ocean cruises
  • Christmas ocean cruises
  • Winter ocean cruises
  • 2024 river cruises
  • 2025 river cruises
  • All-inclusive river cruises
  • No-fly river cruises
  • Singles river cruises
  • Christmas river cruises
  • Spring river cruises
  • Summer river cruises
  • Spirit of Discovery
  • Spirit of Discovery deck plan
  • Spirit of Discovery calendar
  • Spirit of Adventure
  • Spirit of Adventure deck plan
  • Spirit of Adventure calendar
  • Explore ashore
  • Entertainment and activities
  • Celebrity guests
  • Return UK travel service
  • Benefits of booking early
  • Love it guarantee
  • Spirit of the Danube
  • Spirit of the Rhine
  • Spirit of the Douro
  • Spirit of the Moselle
  • Amadeus Elegant
  • Explore ashore on a river cruise
  • Travel advice
  • Travel experiences
  • Spirit of Discovery blog
  • Spirit of Adventure blog
  • Captain's blogs
  • Spirit of the Rhine blog
  • Ocean cruise offers
  • River cruise offers
  • River cruise summer sale
  • Love it first time guarantee
  • Ocean cruise FAQs
  • River cruise FAQs
  • Equity release
  • Legal services
  • Current Saga Savings customers
  • Current Saga Investments customers

Two smiling older people sitting on a sofa looking the Saga Equity Release guide

Access to a range of accounts to suit yo ur savings needs.

Person in a yellow top sitting on a sofa and speaking on a phone

Including will writing, probate and lasting power of attorney.

Two older people sitting on the floor surrounded by boxes, high fiving

Provided by award-winning mortgage broker Tembo.

A couple smiling at each other in the kitchen

Tips, insight and guidance into helping your money work as hard – and stretch as far – as possible.

  • Types of equity release
  • Pros and cons of equity release
  • Exclusive Saga product
  • Important information
  • Frequently asked questions
  • Use our calculator
  • Am I eligible for equity release?
  • Request a call back
  • Request a guide
  • Book an appointment
  • How much does equity release cost?
  • Alternatives to equity release
  • How equity release affects benefits and pension credit
  • 4 little known truths about equity release
  • How much equity can I release from my home?
  • Is equity release safe?
  • Easy Access Account
  • Saga Savings Platform
  • Already save with Saga?
  • Will writing
  • Lasting power of attorney
  • Free legal review
  • Deposit Boost
  • Income Boost
  • Remortgaging
  • Retirement Interest-Only
  • Springboard Mortgages
  • Family support
  • Later life mortgages in the UK for over 60s
  • Has getting a mortgage become more expensive?
  • Wanting to pay off an interest-only mortgage that's ending soon?
  • How can parents support their children's home purchase?
  • Your guide to Inheritance Tax
  • Later life lending
  • Gifting family inheritance
  • Should you let your adult kids live at home?
  • What happens if I have a mortgage when I retire?
  • Maximising your property's selling appeal and value
  • Saga Stocks & Shares ISA
  • Saga General Investment Account
  • Comparing ISAs
  • Saga Investment portfolios
  • Combining your investments
  • Things to bear in mind
  • Is a fixed rate the best way to grow your savings?
  • How to complete a tax self-assessment form online
  • Common self-assessment mistakes
  • How to spot a cash machine scam
  • What to do with old coins and banknotes
  • Decluttering uncovered
  • 10 energy saving tips that will cost you next to nothing
  • How to boost your income by renting out your driveway
  • How to organise paperwork and declutter your life
  • The top five self-assessment tax scams you need to avoid
  • 10 ways to become financially fitter in 2024
  • 5 ways to claim back money you’re owed
  • Should we stay or should we go?
  • Gifting money to grandchildren: a complete guide
  • Will you need to start paying Capital Gains Tax from April?
  • All Magazine
  • Home & Food
  • Wellbeing & Relationships
  • Travel & Leisure
  • Subscribe to Saga Magazine
  • Advertise with us
  • Log into MySaga

A magazine cover, a phone and a tablet

The UK's bestselling subscription magazine

Crossword puzzle with a pencil

Discover our daily puzzles

  • Homes & Interiors
  • Hobbies & Craft
  • Cooking tips
  • Health conditions
  • Diet & Nutrition
  • Mental Wellbeing
  • Mental Health
  • Dating Over 50
  • Love & Sex
  • Bereavement
  • Solo Holidays
  • Special Interest Holidays
  • City Guides
  • Travel Advice

Senior woman enjoying breakfast on a seaside terrace

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.

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

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

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?

Emergency medical expenses, cancellation.

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.

Abandonment

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 .

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

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

Defaqto 5 star rated travel insurance 2007-2024

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

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.

'The person I dealt with was professional, knowledgeable and did what she said she would do. Her positive attitude and friendliness, clinched the deal.'

Mrs Sheppard

'You only know whether an insurance company is a good one when you need to make a claim. My experience through Saga was impeccable and I now recommend it to all family and friends'

Mrs Shackleton

'Best value I could find amongst the leading reputable insurance companies'

There's plenty to explore and learn about our travel insurance cover.

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

If you're a regular holidaymaker, our annual travel insurance gives you the benefits of single trip all year round.

Two mature women walking together exploring an old town in Europe.

Existing travel insurance customers

Happy senior couple relaxing on deck chairs at beach

Our travel insurance policies have no upper age limit, so if you're aged over 70 and looking for high levels of cover and service, why not try Saga?

Luggage On Conveyor Belt At Airport

What to do if your luggage gets damaged or lost whilst you are on holiday.

Senior woman using moving walkway inside terminal airport with face mask

Our coronavirus help and support page has all the latest information on the changes to our insurance and details of additional support we can provide you.

Giants Causeway in Northern Ireland at sunset

Having travel insurance for UK holidays gives you the peace of mind that you’re covered for cancellation, loss of luggage and so much more.

Group of women with different ages and ethnicities having fun walking in foggy forest

We can help you stay organised and hopefully give you peace of mind - meaning you can get on and enjoy your time away.

Mature couple hike above lake Lugano in the morning

Over 65 and looking for travel insurance? Saga offers quality holiday insurance with cover for many pre-existing medical conditions and no upper age limits.

Tourist couple sitting on bench looking at digital tablet in Siena, Tuscany, Italy

We provide, as standard, unlimited access to online & telephone GP appointments on your holiday with the Saga GP Service.

Mature woman is standing on the air-stair of her plane with her boarding pass and has turned round to give one last look to her home before she goes travelling.

We can help you in an emergency, providing 24-hour support, advice and guidance, no matter where in the world you are.

Senior married couple coming from surfing

Our team are here to help, with medical expertise and a personal touch. Find out about medical claims with Saga Travel Insurance.

A mature couple embracing at the top of a ski slope

Looking forward to hitting slopes? Kick back and relax assured in the knowledge that Saga has the cover you need.

Mature man talking on mobile phone while sitting at hotel lobby

Here are common reasons why some travel insurance claims are not successful.

COMMENTS

  1. Get a Travel Insurance Quote

    High quality over 65 holiday insurance. Defaqto has rated Saga Travel Insurance as 5 Star. This means that the cover provided is top quality. Our insurance is specifically designed for people over the age of 50 and has no upper age limits. As standard, you'll get: Up to £10 million emergency medical cover (£2 million in the UK) Up to £ ...

  2. Travel Insurance

    What's included with Saga Travel Insurance. No upper age limit - the policyholder must be over 50. Comprehensive cover such as for medical, cancellation and baggage. Cover for most pre-existing medical conditions. Option to protect up to 9 family and friends of any age, even if they travel without you (on annual multi-trip cover)

  3. Best Travel Insurance Plans for Seniors [Ages 65, 70, 80+]

    If you're looking to purchase travel insurance and you're 80 years of age or older, it's imperative to compare policies for the best pricing and coverage. Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that ...

  4. Get a Travel Insurance Quote

    By choosing Saga Travel Insurance, you'll get quality cover with comprehensive benefits so that you can enjoy your holiday with peace of mind. As standard, your travel insurance would include: Up to £10 million emergency medical cover (£2 million in the UK) Up to £10,000 cancellation cover. Up to £5,000 baggage cover.

  5. Best travel insurance for over 65s 2024

    Yes - in our 2023 survey of travel insurance customers, those aged 65-74 paid, on average, 28% more than 55-64s. However the biggest hike in premiums comes in your mid-70s. We found over-75s paid 65% more than 65-74s. Whatever your age, it's always worth shopping around for travel insurance, but in your 70s the savings could reach hundreds of ...

  6. Best Senior Travel Insurance Of April 2024

    The average cost of senior travel insurance is $416 per trip, based on our analysis of rates for the best travel insurance policies for seniors. Your exact cost for travel insurance will generally ...

  7. 5 Best Travel Insurance Plans for Seniors (Medical & More)

    This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks. Allianz Travel Insurance: Best Annual Coverage ...

  8. Travel Insurance

    With an annual Saga Travel Insurance policy you're covered to travel up to a maximum of 120 days per year in your chosen region or up to 45 days per trip with the option to extend to 60 or 90 days (extensions exclude USA, Canada and the Caribbean Islands). Find out more. Get an annual quote online. Saga offers over 50s travel insurance policies ...

  9. Best Travel Insurance for Seniors in April 2024

    Here are our picks for the best travel credit cards of 2024, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card. No annual fee: Bank of ...

  10. The Best Travel Insurance Plans for Seniors

    One of the best overall travel insurance plans for senior travelers: OneTrip Premier. OneTrip Premier offers our highest levels of protection, with all the benefits that 65+ travelers need: Trip cancellation benefits up to $200,000. Trip interruption benefits up to $300,000. Emergency medical and dental benefits up to $75,000.

  11. Saga travel insurance review

    The latest data from the Financial Conduct Authority show that Saga's underwriter - Astrenska - paid out 85-90% of claims made on annual European policies in 2022. This was above the average rate of 76%. It accepted 85-90% of claims made on annual worldwide policies - above the average of 82%. It paid 80-85% of claims made on single trip ...

  12. Senior Travel Insurance: What to Know

    Here are a select few senior travel insurance options for people 65 and older. 1. Allianz. Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments ...

  13. Best Senior Travel Insurance Companies Of April 2024

    Pros. Second-cheapest of our best senior plans. Best-in-class medical evacuation coverage of $1 million. Pre-existing condition coverage available if conditions are met. Baggage loss coverage of ...

  14. Annual Travel Insurance for Over 50s

    Benefits of Saga Travel Insurance: thin tick. Tailored for the over-50s with no upper age limit. thin tick. Cover for many pre-existing medical conditions. thin tick. Up to £10,000 cancellation cover. thin tick. Up to £10 million emergency medical cover (£2 million in the UK)

  15. Pre-Existing Medical Conditions

    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. ... Over 65 and looking for travel insurance? Saga offers quality holiday insurance with cover for many pre-existing medical conditions and no upper age limits.

  16. Travel insurance for over 65s

    How much does travel insurance for over 65s cost? Based on Compare the Market data, a one-week single-trip policy for one traveller over 65 with no pre-existing medical conditions would cost around £31.64 [1]. But this is just an average and unfortunately, you can usually expect to pay more than younger travellers.

  17. Saga travel insurance review: What do you get for your money?

    For example, Saga travel insurance includes up to £10 million in medical expenses and repatriation costs should Covid-19 impact you. In addition, the traditional £5,000 health insurance-related cover for UK holidays has been increased to £2 million due to the coronavirus pandemic.

  18. Best Guide to Compare Travel Insurance for Over 65 in the UK

    Insurance providers without maximum ages: Certain insurance providers, including All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure, and Total Travel Protection, offer annual policies that do not have maximum ages for new customers. This gives individuals over 65 more options to ...

  19. Travel Insurance for Senior Travelers

    Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated "A" (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated "A+" (Superior) by A.M. Best Co., under ...

  20. Saga Travel Insurance Review 2024

    Single trip travel insurance covers you for a single trip to one or more destinations for up to 120 days. This includes the following services as standard: Up to £10,000 cancellation cover. Up to £10 million emergency medical cover. Up to £5,000 baggage cover. Up to £1,500 for a replacement flight. Up to £1,500 enforced stay cover.

  21. Travel Insurance Over 65, Travel Insurance with No Age Limits

    We are proud to be able to provide single trip and annual travel insurance cover to travellers who are over 65, over 70 or even over 90. Travel insurance over 65 - No age limits. Pre-existing medical conditions can be covered. Three levels of travel insurance to choose from. Since 2010 we have insured over 800,000 travellers who may have had ...

  22. Senior Travel lnsurance

    Buy Senior Travel Insurance Online. We make it easy to compare and buy senior travel insurance plans at the guaranteed lowest price. Millions of travelers use TravelInsurance.com to protect their trips across the globe. Compare and buy coverage for your international trip from top rated insurers in just a few minutes.

  23. Single Trip Insurance for Over 50s

    Benefits of Saga Travel Insurance: thin tick. Travel for up to 120 days. thin tick. Tailored for the over-50s with no upper age limit. thin tick. Cover for many pre-existing medical conditions. thin tick. Up to £10,000 cancellation cover.