Our personal finance experts compare Saga to other top UK travel insurers and explain how Saga’s travel insurance works for parents over 50. Surprisingly, Saga isn’t just for older travelers—you can add up to 9 family members of any age, covering your partner, parents, or children.
Saga Family Travel Insurance Review
A family travel insurance policy helps to protect you and your children if anything goes wrong before or during your next holiday. Saga Insurance offers several travel insurance policies that might work well for families with parents aged 50 and older.
Saga is one of the most well-known over 50s travel insurance companies and has been trusted by UK holidaymakers for decades. Believe it or not, Saga travel insurance isn’t just for older travellers. You can add up to 9 family members of any age to your policy to protect your partner, parents, or children – even if they are travelling without you!*
In this review, our personal finance experts for parents explore how Saga travel insurance works and cover all of the main Pros and Cons to be aware of. You should always do your research before buying travel insurance to make sure that your policy is the best fit for your family.
Here, we compare Saga to other top UK travel insurance companies and explain how younger holidaymakers can take advantage of Saga travel insurance deals. Saga won’t be the right option for every family, and you should consider the type of trip you have planned and the level of cover that you need.
*Annual travel insurance policies only.
60 Second Summary – Saga Travel Insurance Review 2025
Saga over 50s travel insurance is one of the UK’s most popular policies for older holidaymakers. Saga is also well known for providing package holidays and cruise holidays, and other types of insurance like car and home insurance.
Saga travel insurance won’t be a good fit for every family and will usually only work for families with older parents (50 years old or older).You can’t buy a typical ‘family travel insurance’ policy, but you can add up to 9 friends or family members to an individual Saga travel insurance policy.
- Saga offers both single trip and annual travel insurance with different levels of cover, so you can choose the policy that works best for your family’s budget.
- Saga claims to cover ‘most’ pre-existing conditions but might not cover every condition that you or your children have. You should declare any medical conditions that you have to make sure that your policy is valid.
- Websites like Top Cashback allow you to claim money back after buying a Saga travel insurance policy to save your family some money on their travel insurance.
- Saga PLC is rated “Great” on Trustpilot, with a score of 3.9 out of 5.0 Stars and their Standard and Plus policies are rated 5 Stars by Defaqto.
- It is a good idea to compare multiple travel insurance quotes to see which insurance companies offer the cheapest quotes to protect your next family holiday.
What is Saga travel insurance?
Saga travel insurance is often one of the top choices for travel insurance for parents aged 50 and older. Saga’s policies are flexible and allow you to add up to 9 family members of any age to your policy. Saga also doesn’t have a maximum age limit, which is handy if you want to add your parents to your policy for your next family holiday.
The main options for Saga single trip travel insurance are:
- Saga Essential travel insurance: This is the cheapest option for shorter single trips, and any policy limits are based on the trip itself and not per person.These policies still include up to £2million in medical emergency cover (£150 excess).
- Saga Standard travel insurance: This is a basic travel insurance policy that works for a wider range of holidays compared to Essential cover. You will get a higher level of medical emergency cover (£5million for single trip, £10million for annual cover) plus extra benefits.
- Saga Plus travel insurance: This is the most comprehensive policy, providing up to £20million in medical emergency cover and £20,000 cover for trip cancellation. This is typically the most expensive policy, so you should think about how much cover you need and if it’s worth shopping around for other quotes.
Saga annual travel insurance covers multiple trips within 12 months and protects you and your family for up to 180 days of travelling per year. The maximum length of any trip is 45 days, though you can apply for an extension of up to 60 or 90 days. You can’t extend the maximum trip length if you are travelling to the USA, Canada, Mexico, or the Caribbean.
The main options for Saga annual travel insurance are:
- Saga Standard annual travel insurance: Protects your family during multiple trips, with up to £10,000 cancellation cover and up to £10million medical emergency cover.
- Saga Plus annual travel insurance: Also protects your family during multiple holidays but offers a higher level of cover. Most benefits will pay out up to double the amount compared to a Standard policy.
If you are younger than 50, you might be able to get Saga travel insurance if you ask a parent or older family member to add you and your kids to their policy. You can even travel without this person if you have been added to an annual travel insurance policy.
Note: While you can travel without the main policyholder, any children on this trip must be aged 16 or older or they won’t be covered.
Key benefits of Saga travel insurance for families:
- Saga can cover up to 10 people within one policy (family or friends).
- Policies are classed as group travel insurance, so you don’t all need to live at the same address.
- Automatically includes cover for a range of holiday activities and the option to add on winter sports cover if you need to.
- Delayed flight assistance offers access to exclusive airport lounges if your flight is delayed for more than 1 – 2 hours.
- Can claim £1,500 – £5,000 if you need to move to a different hotel, B&B etc because disease or severe weather has made your accommodation unusable.
- 24/7 travel assistance helpline can help with travel issues while away, like helping you to track down lost or delayed baggage.
- Same-day claim pay outs can help to remove added stress if your family holiday has been affected by unexpected problems (e.g. medical emergency).
Main rules for Saga travel insurance:
- The main policyholder(s) must be 50 years old or older.
- Everyone covered by the policy must be a UK resident.
- You can buy Saga travel insurance up to 12 months before the start of your trip.
- You won’t be covered for single trips longer than 180 days.
- You must choose either £0, £70, £150, or £250 excess for claims.
- You will need to add cancellation cover when you apply, as this isn’t included automatically.
- You must tell Saga about any pre-existing medical conditions that you or anyone on the policy has.
Who underwrites Saga travel insurance UK?
As of November 2024, Saga travel insurance is underwritten by Astrenska Insurance Limited. Any travel insurance claims are handled by Collinson Insurance Services Limited.
Most travel insurance companies use other insurers to underwrite their policies, so this isn’t anything unusual. It shouldn’t affect the quality of your policy or make it less likely to pay out than policies from other insurance companies.
Is Saga travel insurance any good for families?
Saga isn’t an obvious choice for family travel insurance, but they do offer benefits that are useful for parents and children. Saga covers most medical conditions, so can be a good option if anyone in your family has health issues that other insurers won’t cover.
You can also cover a larger number of children than you can with other top UK insurers. In theory, you can cover up to 9 children and 1 adult within one easy-to-manage policy. This can make Saga a practical option for larger families, though it’s usually more suitable for families with older parents.
Saga won’t be the right choice for every family, and there are definite downsides to consider if you are thinking about buying Saga travel insurance. Our experts have put together this table which shows some of the main Pros and Cons of Saga travel insurance for parents.
Pros and Cons of Saga Travel Insurance
Pros
- Can cover up to 10 people (friends or family) on one travel insurance policy.
- Includes extra perks like delayed flight assistance and a 24/7 travel helpline.
- Only one excess to pay per claim (even if more than one policyholder is claiming).
Cons
- At least one policy holder must be older than 50 years old.
- No age limit for older travellers – handy if you wanted to add parents or grandparents to the policy.
- Won’t cover every medical condition, so you should check this before agreeing to cover.
Does Saga travel insurance cover pre-existing conditions?
One of the main selling points of Saga travel insurance is that it claims to cover most pre-existing medical conditions. It’s important to have the right level of medical cover if you have health conditions in case anything goes wrong while you’re away.
Saga claims to cover a range of common medical conditions including:
- High blood pressure
- Heart disease
- Cancer
- High cholesterol
- Diabetes
- Asthma
- Respiratory conditions
- Joint and bone conditions
- Depression
If Saga agrees to cover a medical condition that you or your kids have, you’re protected if you need treatment for it while you’re away. Make sure to tell Saga about any health issues upfront, or they might refuse to pay out for any medical claims even if they are totally unrelated.
Note: You will also need to tell Saga about any undiagnosed symptoms or if you are waiting for results from any medical tests or investigations.
Note: You will also need to tell Saga about any undiagnosed symptoms or if you are waiting for results from any medical tests or investigations.
Are there any deals for Saga family travel insurance?
Saga doesn’t offer specific ‘family travel insurance’ policies, instead allowing you to add family members or friends to your own policy. However, there are a few deals and discounts that could potentially help you and your family save money on Saga travel insurance.
- Check cashback websites like Top Cashback or Quidco before buying your policy. Top Cashback is currently offering up to 15% cashback for Saga travel insurance as part of a Black Friday promotion.
- Websites like Groupon often offer ‘discount codes’ for websites like Saga, but don’t be fooled into thinking that you are saving money. On looking at Groupon’s ‘deals’, it just mentions things like ‘get a free online quote’ and other ‘offers’ that are just standard features of Saga policies.
- Saga doesn’t currently have any travel insurance offers advertised on its website or social media accounts. We will add details about any future deals to this page, as we regularly search the internet to find the best travel insurance deals for parents and families.
Note: Any deals or discounts mentioned here are available as of November 2024, but could be pulled or changed at any time. We aim to regularly update this page to include the latest deals and money saving tips to help your family.
What does Saga travel insurance cover?
Below, we have put together a full breakdown of how much cover is offered by each type of Saga travel insurance policy.
Saga single trip travel insurance
| Policy benefit | Essential | Standard | Plus |
|---|---|---|---|
| Cancellation | Up £2,500 per trip (exact pay out based on trip cost) | Up £5,000 per trip (exact pay out based on trip cost) | Up £15,000 per trip (exact pay out based on trip cost) |
| Missed departures | Not covered | Up to £500 | Up to £1,000 |
| Delayed departure | £215 maximum (up to £35 for the first 12 hours and £15 for every 12 hours after that) | £215 maximum (up to £35 for every 12 hours) | £300 maximum (up to £50 for every 12 hours) |
| Trip abandonment | Up to £2,500 | Up to £5,000 | Up to £15,000 |
| Delayed baggage | Not covered | Up to £150 | Up to £400 |
| Lost, damaged, or stolen baggage | Up to £1,750 | Up to £3,000 | Up to £7,500 |
| Emergency medical expenses | Up to £2million | Up to £5million | Up to £15million |
| Hospital benefit | Not covered | Up to £1,000 (up to £30 for every night spent in hospital) | Up to £1,500 (up to £50 for every night spent in hospital) |
| Loss of passport | Up to £250 | Up to £500 | Up to £750 |
| Personal liability | Up to £2million | Up to £2million | Up to £3million |
| Personal accident cover | Not covered | Up to £20,000 (age 16 – 69) Up to £1,000 (under 16s) Up to £10,000 (over 70s) | Up to £30,000 (age 16 – 69) Up to £1,000 (under 16s) Up to £15,000 (over 70s) |
Saga annual travel insurance
| Policy benefit | Standard | Plus |
|---|---|---|
| Cancellation cover | Up to £10,000 | Up to £20,000 |
| Missed departures | Up to £750 | Up to £1,500 |
| Delayed departure | £215 maximum (up to £35 for every 12 hours) | £300 maximum (up to £50 for every 12 hours) |
| Trip abandonment | Up to £10,000 | Up to £20,000 |
| Delayed baggage | Up to £150 | Up to £400 |
| Lost, damaged, or stolen baggage | Up to £5,000 | Up to £10,000 |
| Emergency medical expenses | Up to £10million | Up to £20million |
| Hospital benefit | Up to £1,000 (up to £30 for every night spent in hospital) | Up to £1,500 (up to £50 for every night spent in hospital) |
| Loss of passport | Up to £500 | Up to £1,000 |
| Personal liability | Up to £2million | Up to £3million |
| Personal accident cover | Up to £20,000 (age 16 – 69) Up to £1,000 (under 16s) Up to £10,000 (over 70s) | Up to £30,000 (age 16 – 69) Up to £1,000 (under 16s) Up to £15,000 (over 70s) |
Optional benefits of Saga travel insurance
- Winter sports cover: This pays out for lost/damaged equipment, delays caused by avalanches (up to £300), and piste closures (Up to £30 – £40 per day). You can also claim up to £200 if you can’t take part in winter sports due to illness or injury (£20 per day).
- Cruise cover: Automatically included with Annual Plus policies. Pays out up to £100 for every missed port (maximum of 3 ports) and up to £1,000 if you have to rejoin the cruise at a later point.
Saga Insurance Travel Insurance Policy Summary – CLICK HERE
What doesn’t Saga travel insurance cover?
There are a few situations and events that Saga travel insurance won’t cover or pay out for such as:
- Travelling to countries that the Foreign, Commonwealth & Development Office (FCDO) has advised against travelling to.
- Claims because of accidents, illnesses, or injuries caused by drug or alcohol abuse.
- Medical claims for treating pre-existing conditions that you did not tell Saga about when buying the policy.
- Claims for costs that are recoverable with another company (e.g. a refund for flights from your airline).
- Travelling against medical advice.
- Claims for or caused by someone who is not insured on the policy.
How much does Saga travel insurance cost for families?
Our MPO financial experts for parents have compared a range of Saga travel insurance quotes to see how much these policies could cost for families of different sizes. We focused on Standard and Plus policies, as the Essentials range leaves out several key benefits that a lot of parents look for when buying travel insurance (e.g. missed departure cover).
To keep things simple, every quote below is based on a family with two parents who are the same age. We appreciate that this won’t be the case for every family, and some families may only have one parent.
The figures below aim to provide a rough idea of how much Saga travel insurance might cost for your family. Exact Saga travel insurance prices will vary based on details about your family and the holiday or holidays that you have planned. Policy prices for a family of 3 start at around £60 (roughly £20 per person) and every quote includes £70 excess for claims.
Cost of Saga travel insurance for a Family of 3
| Age of parents | Single trip (Spain) | Annual Multi Trip |
|---|---|---|
| Both age 50 | £61.11 (Standard) £77.71 (Plus) | £90.03 (Standard) £124.33 (Plus) |
| Both age 55 | £71.92 (Standard) £91.44 (Plus) | £101.85 (Standard) £140.64 (Plus) |
| Both age 60 | £87.75 (Standard) £111.56 (Plus) | £126.17 (Standard) £174.26 (Plus) |
| Both age 65 | £99.60 (Standard) £153.90 (Plus) | £153.90 (Standard) £212.52 (Plus) |
Note: In these examples, the age of the child covered by the policy is 12 years old.
Cost of Saga travel insurance for a Family of 4
| Age of parents | Single trip (Spain) | Annual Multi Trip |
|---|---|---|
| Both age 50 | £80.20 (Standard) £101.98 (Plus) | £118.14 (Standard) £163.16 (Plus) |
| Both age 55 | £94.40 (Standard) £120.02 (Plus) | £133.66 (Standard) £184.58 (Plus) |
| Both age 60 | £115.16 (Standard) £146.40 (Plus) | £165.60 (Standard) £228.70 (Plus) |
| Both age 65 | £130.76 (Standard) £166.20 (Plus) | £201.98 (Standard) £278.92 (Plus) |
Note: In these examples, there are two children covered by the policy. One child is 12 years old and the second child is 15 years old.
Where can I read Saga travel insurance reviews?
You can check the latest reviews and ratings for Saga PLC on Trustpilot, the UK’s largest independent review site. Reading customer feedback can help you spot any potential issues before choosing an insurance policy for your family.
As of November 2024, Saga is rated “Great” on Trustpilot with a score of 3.9 out of 5.0 Stars with almost 40,000 independent reviews. It’s best to remember that these reviews aren’t just for Saga travel insurance and are for all of Saga’s products and services.
The reviews that specifically mention travel insurance are mixed, with more than one review commenting on Saga’s competitive prices. Other reviews mention issues with the online MySaga app and problems with finding information on the website.
Saga Standard and Saga Plus policies have also been rated 5 Stars by Defaqto, suggesting that they offer good coverage and decent value for money for families.
How do I contact Saga Insurance?
Here are the main Saga travel insurance phone numbers that you can use to get in touch with Saga about a new or existing travel insurance policy.
Telephone – 0800 056 9200 or 01843 343 203 (customer service team)
Opening hours – 08.30am – 6.00pm Monday to Friday, 8.30am – 5.00pm Saturdays
Telephone – 0800 904 7764 or 01843 343 204 (renew annual travel insurance)
Opening hours – 08.30am – 6.00pm Monday to Friday, 8.30am – 5.00pm Saturdays
Telephone – 0800 092 2124 or +44 1444 442 107 (travel advice service)
Opening hours – Available 24 hours a day, 7 days a week.
Note: You can also use the live chat feature on the Saga website to quickly contact the Saga customer service team about any questions or complaints.
Saga Travel Insurance complaints
If you want to make a complaint about a Saga travel insurance policy, you can use the following contact details to speak to their complaints team.
Telephone – 0800 092 3670
Opening hours – 8.30am – 8.00pm Monday to Friday, 8.30am – 5.00pm Saturdays
Saga’s latest complaints statistics show that their team manages to resolve most complaints within 3 days (84.3%), and 99.6% of complaints are closed within 8 weeks. Saga received around 11 complaints per every 1000 policies sold in the first 6 months of 2024 (1.1% of all policies sold).
How do I claim on Saga travel insurance?
Saga has tried to make it simple and stress-free for travel insurance customers to claim on their policy when they need to. You can either start your claim by logging into the online portal or by calling the Travel Insurance Claims Team.
One of the main perks of Saga travel insurance is that you only pay one excess for your claim even if you’re claiming for multiple reasons (e.g. flight delay and lost luggage). They also offer same day pay outs if your claim is approved before 4PM in the UK.
It’s usually easiest to start your claim online, as there are a few different phone numbers to choose from depending on why you’re claiming. If you would prefer to claim over the phone, our MPO financial experts have listed the main Saga travel insurance phone numbers below.
Saga Travel Insurance claims contact details
Telephone (UK) – 0800 092 2101 (medical emergency/repatriation/lost or stolen passport)
Telephone (overseas) – (+44) 1444 442 105 (medical emergency/repatriation/lost or stolen passport)
Telephone (UK) – 0800 092 2099(trip cancellations/lost or stolen belongings)
Telephone (overseas) – (+44) 1444 442 106(trip cancellations/lost or stolen belongings)
Telephone (UK) – 0800 092 2344 (Saga Select customers)
Telephone (overseas) – (+44) 1444 442 141 (Saga Select customers)
How do I find the cheapest Saga travel insurance quotes?
Saga travel insurance isn’t on most UK price comparison sites, so you’ll have to request quotes from them directly. This can be a hassle for busy parents since you will need to fill in multiple applications if you want to compare quotes from other insurers.
You can usually save a bit of money by choosing a higher excess level or skipping extras you don’t need, as add-ons can make the policy more expensive.
What are the main alternatives to Saga travel insurance?
If Saga doesn’t seem like the right fit for your family, there are a lot of other insurance companies that offer travel cover to parents aged 50 and older. This includes top insurance companies like Staysure, AllClear, Admiral, and Avanti.
The easiest way to compare travel insurance policies is often by using a price comparison website. There are specialised tools available that can help you find travel insurance quotes tailored to your needs, including policies specifically designed for travellers over 50.
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