saga travel insurance live chat

Live Chat Directory

Every Live Chat Company in the UK Listed

Saga Insurance Live Chat | Customer Service

Saga insurance live chat hours of operation:.

8:30am to 8:00pm from Monday to Friday 8:30am to 5:00pm on Saturday 9:00am to 5:00pm on Sunday 8:30am to 8:00pm on Bank holidays

Saga Insurance’s customer service team is readily available via live chat during the specified hours. If you have questions or need guidance regarding your insurance policies or any other concerns, the team is here to assist.

To chat with Saga Insurance online, click on the image below:

To initiate a chat:

• Click on the link above.
• Click on the chat button at the bottom right side of the screen
• Go to the messages tab and select “new”

How to Speak to a Person at Saga Insurance:

For those who prefer a more personal touch or have specific concerns that require direct communication, speaking to a representative is an option. Alternative contact methods:

Saga Insurance Phone numbers:

• 0800 302 9735
• 01843 343245

Looking for Saga holidays instead?

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

HelloSafe » Insurance » Companies » Is Saga a Good Insurance Company? » Saga Login and Contact

Saga: Login, Contact and Phone Numbers

verified information

Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

You would like to get a quote, log in to your Saga account, make a claim, or contact Saga for whatever reason?

You’ve come to the right place.

You will find below any information you need to log in, contact, claim or cancel at Saga.

How do I get a quote at Saga?

To get a quote from Saga, nothing could be simpler.

Use our comparison tools, 100% free and anonymous and get quotes within 20 seconds from Saga and other best providers of the market.

You could also go on Saga homepage and click on the Get Quote button.

>> MORE: Our review on Saga

How do I contact Saga?

How do i contact saga car insurance.

You will find below all main helplines related to Saga car insurance and their opening hours.

How do I contact Saga travel insurance?

You will find below all main helplines related to Saga travel insurance and their opening hours.

How do I contact Saga home insurance?

All contact details for Saga home insurance are mentioned below.

What are Saga general contact details?

How do i login to saga my saga.

You can log in to your customer portal MySaga through MySaga Log in .

The same link will be used to log in or to register as a new customer. You must use the email address you gave to Saga when you purchased your policy from them.

You can only register if you are 50 or older.

How do I register as a new client on Saga?

Click on the My Saga Log In button mentioned above. The same link is used to log in to MySaga account or to register. If your email address is not known, you will be asked to follow the creation account process.

How do I login on My Saga Saga if I've forgotten my password?

If you've forgotten your password, just click on the forgotten your password" button and follow the whole process to reset one.

• Enter your email address you've used for subscription
• Enter your date of birth
• Wait for your new temporary password to be sent by email.

Where to find my Saga policy number?

Good to know.

Your policy number is a unique identifier, associated with your insurance policy. A policy number is always assigned to a specific individual by your insurer, once you have purchased an insurance.

Saga will identify your account with your policy number. You will always be asked to provide it when you report a claim, cancel or modify your policy or for any other matter.

Your policy number is mentioned on top of your Saga policy schedule. Your policy schedule is usually sent by mail, email, or accessible through your customer portal.

How do I make a claim at Saga?

You will find below any information you need to know to report a claim at Saga.

How to claim on your Saga car insurance?

You can make a claim on your Saga car insurance policy by calling the number below.

How to claim on your Saga travel insurance?

There are 2 ways to make a claim: online or by calling the claims team.

How to claim on your Saga home insurance?

You should check first on your Saga home insurance policy schedule and check whether you are covered or not. If you are covered, you will find in your policy documents the right phone number to call to claim on your home insurance. Note that all Saga claims lines are opened 365 days per year, 24 hours a day, UK-based. The claim process is very straightforward.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How do I cancel my Saga policies?

How to cancel saga car insurance.

You will find below main information to cancel your car insurance policy at Saga:

How to cancel Saga travel insurance?

You will find below main information to cancel your travel insurance policy at Saga:

How to cancel Saga home insurance?

To cancel your Saga house insurance, here is what you need to know:

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

sign up and keep track of your travel insurance events

Contact Generali Global Assistance

Find all the ways to contact Generali Global Assistance. Whether you want to buy travel insurance and assistance services, are on your trip and need Emergency Assistance, wish to utilize your plan's concierge services, have questions about  our plans  and available coverages, or need to start or check on a claim, we're here to help.

Start by asking our Contact Chat for the contact information you need and you will be directed to the correct department:

If you need to start a claim, check on the status of a claim, or contact the Claims Department, you can begin here:

Customer Service

Live chat is available at certain hours. Look for the Start Chat button on desktop or the chat icon on mobile.

Email:  [email protected]

Phone: 800-874-2442 Open 24/7

24/7 Emergency Travel Assistance & Concierge Services

In the United States, toll-free:  877-243-4135 Collect worldwide:  240-330-1529

If you want to contact another Generali company, view our  sister companies  or  non-U.S. resident travel insurance  pages.

Average Customer Rating:

Thank you for visiting csatravelprotection.com

As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

Final step before you're signed up

Please verify that you're human.

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

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.

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%.

• Find out more:  How to find cheap travel insurance

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

Are car insurers underpaying claims?

06 Apr 2024

Easter holidays: parents warned to check home insurance cover

28 Mar 2024

10 most expensive jobs for life insurance premiums

27 Mar 2024

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

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

18 Mar 2024

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

Car insurance premiums jump 50% for young drivers

05 Mar 2024

Is car insurance failing the value for money test?

04 Mar 2024

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

27 Feb 2024

10 most expensive dog breeds for pet insurance in 2024

26 Feb 2024

7 things you need to know about your no-claims discount

23 Feb 2024

10 most expensive cat breeds to insure in 2024

20 Feb 2024

Gap insurance sales suspended: what it means for you

16 Feb 2024

Vet bills soar: will pet insurance save you money?

07 Feb 2024

Car insurance cost 25% more in 2023 - will prices fall this year?

01 Feb 2024

Many life insurance providers offer ‘perks’, but are they worth it?

31 Jan 2024

Six traps to avoid when taking out pet insurance

Adding high-value items to your home insurance will cost 25% more this year

26 Jan 2024

Paying monthly makes car insurance even pricier

24 Jan 2024

At Saga we pride ourselves on looking after our customers and we are here to help you with any enquiry you may have.

Need to get in touch? Below, you'll find our contact details. You can also use Manage my booking to pay your balance, book our car service and more.

Calls are free from BT landlines, but calls from mobile phones, other networks or from overseas may incur charges from your operator. Please note that calls will be recorded for training purposes.

Answers to common questions can be found in our FAQs .

Book online at any time, or call us free:

For European and long-haul holidays: 0800 9885 886

Monday-Friday: 08:00 to 17:00

Saturday: 09:00 to 18:00

Sunday: 10:00 to 16:00

Easter opening hours

Good Friday: 10:00 to 16:00

Sunday: Closed

Easter Monday: 10:00 to 16:00

Emergency Contact Officer

Should you need any assistance whilst on holiday our Duty Officers are on hand 24/7 to assist with any queries.

If you have feedback following a holiday you have returned from, please contact our Customer Relations Department.

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

70 years’ experience

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

Peace of mind

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

Great value

We’re constantly monitoring prices and negotiating the best deals with our travel partners.

SIGN UP FOR TRAVEL INSPIRATION & OFFERS

Sign up to our emails for the latest from Saga Holidays.

By providing your details you will receive emails with related content and offers from Saga.  You can unsubscribe from this at any time.

For more information click here for our privacy policy .

Saga travel insurance review

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.

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

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

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.

Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, medical emergency.

If you’re abroad and need urgent help, contact our 24 hour medical assistence team . No other policy help or information is available on these numbers.

Check the FAQs.

If you have a query about your cover, we have a dedicated page about coronavirus travel insurance here , in addition to our general  frequently asked questions page .

Chat with us online.

If you don’t find the answer you’re looking for in the FAQs, you can chat to one of our agents online via Live Chat. Look for the icon in the bottom right of your screen.

You can email us at [email protected] but it can take up to 72 hours for us to reply. Waiting until we’re open and chatting with us online may be quicker.

If you’re unable to chat with us online, you can call our UK call centre.

To get a quote, please call 0800 072 6778.

To discuss or amend an existing policy, or for other enquiries, please call 0330 400 1381.

If you need to speak to us about an auto-renewal, please call 0800 083 6237.

Opening times

Making a claim.

Find out how to make a claim on our make a claim page.

Do you want to complain?

If you want to make a complaint, have a look at  our complaints page .

Do you have a press or media enquiry?

If you’re a journalist or member of the press and have a question, please contact our PR Agency, who will be able to assist. You can contact them directly with details of your enquiry, and any timescales you are working to, by emailing [email protected]

Need to write to us?

For non-claims related matters, the address is InsureandGo, 2nd floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.

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: 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.

Business Insurance

Find the best insurance deals for you and discover what you need to know, whatever your business.

Popular Types of Cover

• Public Liability Insurance
• Employers' Liability Insurance
• Professional Indemnity
• Directors and Officers
• Fleet Insurance
• Van Insurance
• Best Business Insurance Companies
• Guide to Small Business Insurance
• How Much Does Business Insurance Cost?

By Type of Business

• Limited Company Insurance
• Self Employed Insurance

By Occupation

• Click for insurance by occupation!

Business Loans

Borrow up to £750,000 and read guides to help you to secure the financing that's right for your business.

Find out what you really need to know, plus easily compare prices from hundreds of deals, no matter what insurance you need.

Our Top Picks

• Cheap Car Insurance
• Best, Largest Car Insurance Companies
• Cheap Motorcycle Insurance
• Cheap Home Insurance
• Cheap Moped Insurance
• Best Cheap Cruise Insurance
• Best Pet Insurance
• Best Insurance for Bulldogs
• Best Travel Insurance
• Pet Insurance
• Home Insurance
• Travel Insurance
• Car Insurance
• Motorcycle Insurance
• Caravan & Motorhome Insurance
• Campervan Insurance
• Health Insurance

Credit Cards

Read reviews and guides to get clarity over credit cards and see which is best for you.

Credit Card Categories

• Credit Builder Cards for Bad Credit
• Rewards Credit Cards
• Travel Credit Cards
• 0% Interest Credit Cards
• No Foreign Transaction Fee Credit Cards
• Balance Transfer Credit Cards
• Cashback Credit Cards
• Credit Cards with No Annual Fee
• Student Credit Cards

Helping you make the most of your money with our in-depth research on the topics that matter to you.

Stay up to date with the latest news that affects you.

Come say hi!

Connect with NimbleFins

• Follow NimbleFins on LinkedIn

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

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

Editor's Rating

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

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers.

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

In This Review

• Customer reviews
• Saga Travel Insurance Price Comparison

Notable Features

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

Saga Travel Insurance Review: What You Need to Know

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

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

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

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

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

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

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

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

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

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

Covid-19 Cover

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

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

Saga Travel Insurance Key Points

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

Saga Insurance Customer Reviews

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

Here is a sample of the mostly positive experiences:

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

Saga Travel Insurance Prices

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

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

Premiums with Pre-Existing Conditions

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

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

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

How much does winter sports add-on cost.

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

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

Types of Saga Travel Insurance Policies

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

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

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

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

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

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

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

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

How does Saga Travel Insurance Compare to Competitors?

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

Saga Travel Insurance vs Direct Line Travel Insurance

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

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

Saga Travel Insurance vs AXA Travel Insurance

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

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

Other Useful Information

• Saga Travel Insurance Policy Book

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

• 4.8 out of 5 stars**
• Quotes from 20 providers

Our Top Insurance Picks

• Cheap Travel Insurance

Cheap Travel Insurance by Destination

• Travel Insurance to Australia
• Travel Insurance to Ireland
• Travel Insurance to Canada
• Travel Insurance to Turkey
• Travel Insurance to India

Articles on Travel Insurance Costs

• Average Cost of Travel Insurance
• Average Cost of Travel Insurance to USA
• Cost of Travel Insurance with Pre-Existing Medical Conditions
• Average Cost of Travel Insurance to India
• Average Cost of Travel Insurance to Ireland

Recent Articles on Travel Insurance

• Travel Insurance with Optional Gadget Cover
• Top Tips for Travel Insurance with Medical Conditions
• Can Travel Insurance Help if Natural Disaster Strikes?
• Should You Buy Travel Insurance from a Comparison Site?
• Should You Buy Single-Trip or Annual Multi-Trip Travel Insurance?

Travel Insurance Guides

• Do I Need Travel Insurance? 3 Key Questions
• Will Your Travel Insurance Claim be Rejected? Boost Your Odds with These Tips
• 7 Things Your Travel Insurance May Not Cover
• Travel Insurance Guide

Travel Insurance Reviews

• AA Travel Insurance Review
• Admiral Travel Insurance Review
• Aviva Travel Insurance Review
• AXA Travel Insurance Review
• Cedar Tree Travel Insurance Review
• CoverForYou Travel Insurance Review
• Coverwise Travel Insurance Review
• Debenhams Travel Insurance Review
• Direct Line Travel Insurance Review
• Holidaysafe Travel Insurance Review
• Insure & Go Travel Insurance Review
• Sainsbury's Bank Travel Insurance Review
• Tesco Travel Insurance Review
• Travelinsurance.co.uk Travel Insurance Review
• Zurich Travel Insurance Review

Reviews of Travel Insurance for Pre-Existing Conditions

• Fit2Travel Travel Insurance Review
• Free Spirit Travel Insurance Review
• goodtogoinsurance.com Review
• JustTravelcover.com Insurance Review
• OK To Travel Insurance Review
• Saga Travel Insurance Review
• Virgin Money Travel Insurance Review
• Privacy Policy
• Terms & Conditions
• Editorial Guidelines
• How This Site Works
• Cookie Policy
• Copyright © 2024 NimbleFins

Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

Note regarding savings figures: *For information on the latest saving figures, pay-less-than figures, and pay-from figures used for promotional purposes, please click here .

**4.8 out of 5 stars on Reviews.co.uk is the rating for our insurance comparison partner, QuoteZone.

Saga Live Chat

Saga live chat is open during these hours.

Monday to Friday  8:30am – 8:00pm Saturday  8:30am – 5:00pm Sunday  9:00am – 5:00pm Bank holidays  8:30am – 5:00pm

Saga insurance are a specialist provider who offer services to over 50s. They have a live chat service available to new and existing customers to help and support you.  The experienced team are able to answer questions on your policy, customer benefits, holidays and events.  The live chat agents are also on hand to address any concerns or complaints you may have about the service or company.

The live chat can be found at the bottom of the page the page in a small icon. Simply click that icon and you will be taken to the next available web chat employee who will be ready to answer your questions.  You can also access the live chat by clicking any category within the contact page.

To access the live chat click the link below

Alternative ways to get in touch with Saga

• Phone: You can call Saga insurance customer service on their phone number 0800 056 9169 (for general enquiries) or 0800 001 5424 (for claims). Their customer service team is available Monday through Friday, from 8:30 a.m. to 8:00 p.m., and on Saturdays from 9:00 a.m. to 5:00 p.m.
• Email: You can send an email to Saga insurance customer service team at [email protected] .
• Social media: You can reach out to Saga insurance on their social media channels, such as Facebook and Twitter, and ask for assistance or send a direct message.
• Mail: You can send a letter to Saga insurance at their address: Saga Services Limited, Enbrook Park, Sandgate, Folkestone, Kent, CT20 3SE.

Quick Links

© live chat finder 2023. all rights reserved.