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Annual travel insurance

Tailored with the over 50s in mind, Saga's annual travel insurance could be ideal if you are going away more than once in a year.

Up to 30% online discount*

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*63% of customers who purchased a new Saga Travel Insurance policy online between 1 May and 31 October 2021 received a discount between 15% - 30%.

Defaqto Expert Rated 5 Star 2007 to 2021

Annual travel insurance

Ideal for avid holidaymakers, if you own a property abroad, or have friends and family abroad who you regularly visit, a multi-trip insurance option gives you cover for multiple trips, without the hassle of searching for cover each time you travel.

Cover for COVID-19 with Saga Travel Insurance

  • Cancellation – If you, a close relative or anyone you are planning to travel with or stay with, receives, in writing, a positive test result for coronavirus within 14 days of your trip commencing, or if you are certified as too ill to travel due to COVID-19 by a medical practitioner, we will pay you up to the amount shown in your policy Schedule for your share of any irrecoverable unused travel and accommodation (including excursions), and other pre-paid charges you have paid or are contracted to pay.
  • Abandonment – If you, a close relative or anyone you are travelling with or staying with receives in writing, a positive test result for coronavirus during your trip we will pay for unused travel and accommodation (including excursions), and other pre-paid charges which you have paid or are contracted to pay provided you are forced to cut your trip short, up to £10,000.
  • Emergency medical expenses and repatriation – up to £10,000,000 (up to £2,000,000 for trips within the UK) – this means associated emergency medical expenses and costs to return you back home following falling ill with COVID-19 on your trip.

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.

Benefits of Saga Travel Insurance:

  • Tailored for the over-50s with no upper age limit
  • Cover for many pre-existing medical conditions
  • Up to £10,000 cancellation cover
  • Up to £10 million emergency medical cover (£2 million in the UK)
  • Up to £5,000 baggage cover.

Extra benefits included at no extra cost:

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

  • 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.

Saga’s range of insurance products is designed specifically for our customers and is unique to us. Saga Travel Insurance is underwritten by Astrenska Insurance Limited, which meets our high standards of quality and service.

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 will help you trace lost luggage, replace lost or stolen passports and can help you with translation and interpretation
  • Before you go, they will even give you advice on vaccinations and local information.

Medical assistance when you’re away

With an annual multi-trip travel insurance policy, you are protected in case of illness or injury suffered on your holiday. You’ll also benefit from up to £10 million emergency medical cover, up to £1,000 (£25 per day) for associated expenses during your stay in hospital and we can cover the cost of getting you home if medically necessary.

Cover for your friends and family

Our annual travel insurance is tailored for the over 50s but you can also add your family and friends who are under 50 to your policy, too. Friends and family can also be protected, even if they are travelling without you; a unique feature to the annual multi-trip policy.

Destinations and trip length

With an annual travel insurance policy you’re covered to travel:

  • Up to a maximum of 120 days per year in your chosen region
  • Up to 45 days per trip with the option to extend to 60 or 90 days (extensions exclude U.S.A., Canada and the Caribbean Islands policies).
Annual multi-trip policies
Europe 45 days’ cover per trip as standard, but with option to extend to 60 or 90 days Up to 120 days’ total cover per policy year
Worldwide excluding U.S.A., Canada and all Caribbean Islands 45 days’ cover per trip as standard, but with option to extend to 60 or 90 days
Worldwide 45 days’ cover per trip
This region includes the countries that are listed below
Aland Islands Gibraltar Netherlands
Albania Grand Canaria Northern Ireland
Andorra Greece Norway
Armenia Greek Islands Poland
Austria Guernsey Portugal
Azores Holland Republic Of Ireland
Belearic Islands Hungary Rhodes
Belarus Ibiza Romania
Belguim Iceland Russia (West of the Urals)
Bosnia-Herzegovinia Ireland (Northern) San Marino
Bulgaria Isle Of Man Sardinia
Canary Islands Italy Scilly Isles
Channel Islands Jersey Scotland
Corfu Kos Serbia
Corsica Lanzarote Slovakia
Crete Lapland Slovenia
Croatia Latvia Spain
Cyprus Leichtenstein Spanish Region
Czech Republic Lithuania Sweden
Denmark Luxembourg Switzerland
Eire Macedonia Tenerife
England Madeira Turkey
Estonia Majorca Ukraine
Europe Malta United Kingdom
Faroe Islands Menorca Vatican City
Finland Minorca Wales
France Moldova Yugoslavia (former)
Fuerteventura Monaco
Germany Montenegro
Worldwide excluding U.S.A., Canada and all Caribbean islands
This region includes all countries except those listed below
Alaska Dominica Puerto Rico
Anguilla Dominican Republic Saint Barthelemy
Antigua and Barbuda Grenada St Kittis and Nevis
Aruba Guadeloupe St Lucia
Bahamas Haiti St Maarten
Barbados Hawaii St Pierre and Miquelon
Bermuda Jamaica St Vincent and the Grenadines
Bonaire (Antilles) Leeward Islands Trinidad and Tobago
Canada Martinique Turks and Caicos Islands
Caribbean Midway Island United States Minor Outlying Islands
Cayman Islands Montserrat U.S.A.
Cuba Netherlands Antilles Virgin Islands
Curacao Nevis Island
This region includes all countries

Annual travel insurance cover limits

Policy limits for each insured person per trip Excess applicable per claim
Cancellation Up to £10,000* Yes
Missed departure Up to £1,000 No
Delayed departure Up to £35 for the first 12 hour period, £15 for each 12 hour period after that No
Abandonment Up to £10,000 Yes
Delayed baggage Up to £250 No
Lost, stolen or damaged baggage Up to £5,000 (£600 single article limit and £1,000 total valuables limit) Yes
Emergency medical and associated expenses Up to £10,000,000 (£2,000,000 in the UK) Yes
Hospital benefit Up to £25 for each 24 hour period (£1,000 maximum) No
Personal accident Up to £30,000 (£1,000 if aged under 16, £15,000 if over 70) No
Criminal injury benefit Up to £30,000 No
Substitute accommodation Up to £5,000 Yes
Enforced stay Up to £1,500 Yes
Loss of passport Up to £350 No
Personal money Up to £500 (£300 limit for cash) (£100 limit for cash if aged under 16) Yes
End supplier failure Up to £1,500 No
Pet care Up to £25 for each 24 hour period (£300 maximum) No
Hijack and mugging Up to £50 for each 24 hour period (£1,000 maximum) No
Air rage Up to £1,000 No
Personal liability Up to £2,000,000 Yes
Legal expenses and advice Up to £50,000 No

How does it compare to single trip travel insurance?

Saga’s single trip travel insurance could be ideal for those one-off trips all over the world. Our comprehensive policy will cover you for up to 120 days per trip. 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.

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