saga travel insurance age limit

Saga travel insurance review

Saga travel insurance review highlights:

• No upper age limit
• Covers most pre-existing medical conditions
• 5 Star Defaqto Expert Rated Insurance
• Emergency medical cover of up to £20million*

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 travel insurance is underwritten by Astrenska Limited and administered by Collinson Insurance Services Limited.

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

Saga offers 3 levels of single trip insurance:

• Essential Single
• Standard Single
• Plus Single

Their Plus Single trip insurance covers you for a single trip to one or more destinations for up to 180 days. This includes the following services as standard:

• Up to £15,000 cancellation cover
• Up to £15 million emergency medical cover
• Up to £7,500 baggage cover
• Up to £1,000 missed departure cover
• Up to £15,000 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 - w ith their Plus Annual, you are covered for multiple trips throughout the year. This includes insurance for up to 180 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.

Their are 2 levels of annual multi-trip travel insurance:

• Standard Annual
• Plus Annual

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

The Plus Annual also includes:

• Up to £20,000 cancellation cover
• Up to £20million emergency medical cover
• Up to £10,000 baggage cover
• Up to £1,500 missed departure cover
• Up to £20,000 abandonment cover

Take a look at over 50s travel insurance

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

All Saga travel insurance policies include covid-19 cancellation or abandonments cover of up to £20,000 depending on your cover level should you test positive for coronavirus within 14 days of travel.

This is in addition to emergency medical cover if you were to become ill with coronavirus whilst on holiday.

If you travel to a country where the  FCDO  advise against all but essential travel for a non-essential reason, you’’ have no cover for any policy if your claim relates to why the FCDO advice is 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 conditions 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 4.1 out of 5 for all its insurance products.

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 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.

*Depending on your level of cover

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.

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
• Van Insurance

Solar Panels

Get solar panels for your home.

• Best Solar Panels
• Solar Panel Installers
• Solar Panels for Home
• Solar Panel Comparison
• Solar Panel Installation
• Solar Panel Battery

The Financial Aspects

• Solar Panel Costs
• Solar Panel Grants
• Solar Panel Quotes
• Solar Panel Tariffs

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
• Best Business Insurance Companies
• Guide to Small Business Insurance
• How Much Does Business Insurance Cost?
• Business Loans

By Type of Business

• Limited Company Insurance
• Self Employed Insurance

By Occupation

• Click for insurance by occupation!

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 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.

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

Senior Finance Contributor

313 Published Articles

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

Keri Stooksbury

Editor-in-Chief

36 Published Articles 3273 Edited Articles

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

Table of Contents

Why purchase travel insurance, what you need to know about age and travel insurance, best travel insurance options — ages 65 to 69, best travel insurance options — ages 70 to 79, 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.

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.

The Cost of Travel Insurance

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.

Preexisting Conditions

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.

Travel Insurance and 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. 

COVID-19 and Travel Insurance

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.

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.

World Nomads — Best For Active Seniors

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.

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 — Best for Annual Multi-Trip Policies

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.

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. 

Best for Covering COVID-19 Cancellations

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.

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.

Best for Preexisting Conditions

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.

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 . 

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 ™

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

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

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

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

• 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

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)

SEE FULL REVIEW »

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:

9 Best Travel Insurance Companies of 2024

Holly Johnson

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

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

These are the scenarios when travel insurance makes most sense.

Does My Health Insurance Cover International Travel?

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

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.

What Older Travelers Need to Know About Getting Travel Health Insurance

While most of us tend to feel younger than we are — and are likely to be healthier and more fit than our parents were at our age — there's no denying that it's prudent for older travelers to think about purchasing travel health insurance coverage before taking a trip, especially when venturing outside the US. The odds of getting sick or having to address a chronic medical issue while traveling increase as we age.

At age 65 and older, many US citizens are eligible for Medicare (read about the eligibility requirements here ). Medicare, however, does not cover health care services or supplies for recipients traveling outside the country, except in rare cases.

There are three ways Medicare-eligibles can get health coverage while traveling abroad. Some specific Medigap policies (Medicare supplement insurance) provide this type of coverage. Travelers need to assess the type of Medigap policy they have and the specific circumstances under which coverage is provided. There's also Medicare Advantage and other Medicare programs (as opposed to Original Medicare) that may provide such coverage. Again, travelers need to determine the specifics of the coverage offered by their plans. But if neither of the above applies, older travelers should consider purchasing a travel insurance policy that provides health coverage.

We asked Stan Sandberg, co-founder of the travel insurance comparison site TravelInsurance.com , some health insurance questions that commonly arise for older travelers. This interview has been edited for clarity and length.

Related: Is Credit Card Travel Insurance Sufficient?

In general, how does age affect the cost of travel insurance?

Stan Sandberg: Similar to other actuarial-based insurance products, the older you are, the more costly your insurance will be. This is true both for medical-only plans and for trip cancellation insurance. The good news is that the travel health insurance cost increases related to age aren't as great as you might expect — especially if you are healthy with no pre-existing conditions.

A sample of 23 products we offer on TravelInsurance.com shows an average price increase of just under $85 for an 85-year-old versus an 80-year-old. For healthy buyers the same ages without a pre-existing condition , the increase is less than $35. And based on a $2,000 trip (looking across the same 23 products), the average premium for a comprehensive travel insurance plan, including trip cancellation coverage, is $109.25 for a 50-year-old; $140.90 for a 60-year-old; and $183.99 for a 70-year-old. So the increase is about 30% from ages 50 to 60, and about 30% from ages 60 to 70.

Do all, or some, policies have age limits?

Some policies, in particular travel medical policies, have an age limit. But for most trip cancellation policies, travelers won't start seeing fewer plans until they celebrate their 101st birthday!

What is the difference between annual travel insurance policies and single trip insurance for older travelers?

Annual plans cover multiple trips taken during a one-year period. Irrespective of age, however, the coverage limits of annual plans are cumulative, so a traveler could theoretically exhaust the benefits with a single claim on a first trip. Since seniors often have more time to travel, annual plans can be attractive to those who travel more than four times a year. But potential purchasers should carefully compare the costs and coverage of an annual plan with those offered as Medicare supplements.

What about obtaining insurance when you have pre-existing medical conditions? Is there any way around such exclusions?

Most policies exclude losses that stem from a pre-existing condition. (A pre-existing condition is defined as any prior injury, illness, disease or other type of medical condition for which a person sought care in the six to 12 month period prior to the effective date of the policy.) However, some policies offer a "pre-existing condition exclusion waiver" that allows coverage of pre-existing conditions. To qualify, purchasers must meet certain requirements. These typically include:

• Purchasing the travel insurance policy within a defined time period (usually seven to 21 days from when the initial payment for the trip was made. )
• Travelers need to insure 100% of their pre-paid and nonrefundable trip costs.

We recommend that travelers speak to a licensed agent and read the fine print before purchasing a policy with an exclusion waiver.

What do travelers who do a lot of cruising need to know about travel health insurance?

Most travel insurance plan benefits apply to cruisers and non-cruisers alike, but some plans will have certain benefits [like] returning to land for medical evacuation that are designed specifically for cruisers.

What additional protections does trip cancellation and interruption insurance offer?

Although it adds to the cost, this option can cover the reimbursement of trip costs due to a range of unexpected circumstances — from last-minute illnesses to severe weather and natural disasters.

A Cancel for Any Reason (CFAR) upgrade offers the most flexibility, reimbursing up to 75% of total trip costs for a cancellation of any reason up to 48 hours prior to trip departure. This benefit also has to be purchased within seven to 21 days of the initial trip payment and 100% of pre-paid and nonrefundable trip costs need to be insured.

What is medical evacuation insurance? What does it cover?

Generally speaking, emergency medical evacuation coverage will pay for transportation to the nearest hospital or medical facility that can treat you if one is not available at your location.

The coverage may also cover Medical Repatriation or the cost of transportation back to the US when your condition improves and you're cleared to travel home. Policies may also include coverage for transporting children home if you are hospitalized for an extended period. Or if you're traveling alone, the coverage may pay to bring someone to your bedside if you have an extended hospital stay.

In the event of a death during a trip, some plans may also include Return of Remains coverage that would cover the cost of bringing back the deceased.

What are some other caveats to keep in mind when pricing travel health insurance?

Pricing can vary somewhat between states, so the state where you reside may affect pricing. And remember, even if you have coverage from a Medigap plan, it can have deductibles, lifetime coverage limits up to $50,000 and limitations on trip length.

If you are traveling in a group, you might ask the sponsor about the availability of group travel insurance. Group plans are designed for easy administration by a group leader, who manages member sign-ups and changes — and the pricing for group plans doesn't change based on a traveler's age.

Thus, for senior travelers, group policies may be more cost-effective compared to nongroup, individual policies. However, individual policies can have higher coverage limits and more options available if travelers want to tailor their coverage.

Related: The Best Credit Cards With Travel Protections

Bottom Line

Buying travel health insurance is complicated under any circumstances because it's difficult to compare products (policies) from different insurers and wade through the fine print. But for older travelers — for whom the costs of insurance tends to be higher and the purchasing options fewer — these decisions can be daunting.

Of course, travelers always need to first understand the benefits and limitations of the health insurance policies they currently have in place (think: Medicare and private health insurance) to determine what additional coverage is necessary to protect their health as well as the financial investment in a trip.

Third-party insurance sites — like TravelInsurance.com , Squaremouth.com and InsureMyTrip.com — can help consumers compare the provisions and costs of different policies and, hopefully, avoid potential landmines.

Comparison sites like these offer consumers the ability to chat online, speak to agents by phone, and/or correspond by email after hours to help answer specific policy questions. In addition, the sites can help connect travelers with insurance providers in the unlikely event of the need to file a claim.

Feature photo by Hero Images / Getty Images.

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; North Korea; Russia; Israel

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

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

Tips for Buying Travel Insurance Over 75

How do I find affordable travel insurance for over-75 travelers?

Don’t assume travel insurance is out of reach! First, get a quote . We’ll show you the cost and benefits for multiple plans, so you can pick the best one for your trip and your budget.

The first plans you see may be OneTrip Prime and OneTrip Premier . These plans are popular for good reasons: They offer extensive benefits and high benefit limits, and they cover children 17 and under for free when they’re traveling with a parent or a grandparent (not available on policies issued to Pennsylvania residents). If you’re planning a grand vacation overseas, these plans will give you the best protection.

But what if they’re just too expensive? Consider the OneTrip Basic plan instead. An economical choice for domestic and international travelers, OneTrip Basic includes all the benefits you need for less. There’s a $10,000 limit for emergency medical benefits and a $50,000 limit on emergency medical transportation.

If you’re not worried about losing your pre-paid trip expenses, we recommend the OneTrip Emergency Medical plan. This plan includes substantial post-departure benefits — up to $50,000 in emergency medical benefits and up to $250,000 for emergency medical transportation — but does not have trip cancellation/interruption benefits. As a result, it’s really affordable, even for senior travelers. 

For travelers over 75, the most cost-effective travel insurance option may be an AllTrips plan, which protects all your travel in a 365-day period. When you’re getting a quote for annual insurance, age doesn’t matter! Your cost is the same whether you’re 25, 75 or 95 years old. Get a quote for an annual plan and see for yourself   .

One word of caution: If you’re heading overseas, do not skip emergency medical benefits just to save money on your travel insurance. If you should fall seriously ill or suffer a serious injury while traveling, the cost of treatment and transportation can be staggeringly expensive — as we saw in Anna’s case. As the U.S. State Department notes, “many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States.” iii

Can I get travel insurance if I’m over 75 and have health problems?

Here’s the good news: Medical history and/or chronic medical conditions do not affect the cost of travel insurance. If you have a pre-existing medical condition, however, you need to understand how travel insurance may or may not cover it.

We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the insurance purchase date:

• Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
• Presented symptoms; or
• Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed). 

If you have a pre-existing medical condition, opt for a policy that includes the Pre-Existing Medical Condition Exclusion Waiver . With this waiver, you can still be covered for losses due to a pre-existing medical condition if you meet all of the following requirements:

• Your policy was purchased within 14 days of the date of the first trip payment or deposit;
• You were a U.S. resident when the policy was purchased;
• You were medically able to travel when the policy was purchased;
• On the policy purchase date, you insured the full non-refundable cost of your trip with us. If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. (If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.)

If you have questions about what any of this means, or if you’d like advice on choosing the best travel insurance plan, please contact us! Insurance advisers are available to talk you through all available options for travel insurance over 75, or at any age.

Related Articles

• Tips for Retirement Travel on a Budget
• A Guide to Hiring Travel Companions for Seniors  
• Traveling with Grandchildren: Happy Kids, Great Vacation
• JM.USEmbassy.gov
• AllianzTravelInsurance.com
• Travel.State.gov

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

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"}}

Share this Page

• {{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

• Annual Travel Insurance
• Cruise Insurance
• Domestic Travel Insurance
• International Travel Insurance
• Rental Car Insurance

View all of our travel insurance products

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

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.

HelloSafe » Insurance » Companies » Saga

Is Saga a Good Insurance Company?

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 are considering buying an insurance policy at Saga and are wondering if Saga is the best insurer for you?

You've come to the right place!

In the below guide you’ll find everything you need to know about Saga: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.

Stay tuned!

Good to know

Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Saga.

Who is Saga?

Saga was founded in 1980 and is a very trustworthy company specialized in providing insurance products for over 50 years old. The company is part of Saga Group which has more than 30 years experience in the insurance industry providing several types of insurance products from travel, to cars to home and pet insurance. Their insurance policies are underwritten by a panel of leading UK insurance companies such as Ageas, Cover, Direct, AXA, etc.

What are the main insurance policies available at Saga?

Let's discover below main insurance policies offered by Saga.

Saga expert and consumers reviews: Defaqto, TrustPilot

Saga is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.

Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Saga.

Is Saga a good car insurance company?

3,5 Safe overall rating for Saga car insurance

Saga car insurance specialises in providing insurance services for drivers that are over the age of 50. On the website, there was no detail about the exact amount that would be paid per cover policy. Apart from this, the reviews gotten on Trustpilot were good in terms of customer service and availability. Also, the website can easily be navigated through and the preferred policy can be chosen. There is a live bot but it is not always available so it might take a while for enquiries to be answered if you are using this medium. However, all in all, the car insurance company can be said to be average.

In addition to typical car insurance coverage choices, Saga offers, among other options:

Breakdown cover

Saga Breakdown Assistance cover can be added to your policy at a discounted rate. There are different options to pick from for the breakdown cover and they are:

• Essential: roadside repair and alternative source of transportation for up to 20 miles
• Home Call: home repair is provided
• National Recovery: roadside repair is provided in the case that you get stranded en-route
• Comprehensive: this includes home repair, roadside repair and in provision of an alternate source of transportation in the event that the vehicle cannot be fixed at that time
• Premier: this includes all the offers mentioned earlier and also cover in up to 55 countries and territories in Europe, Plus, if your car breaks down within 24 hours of your planned departure date in the UK, a hire car would be provided for 14 days.

Windscreen cover

Claim on windscreen, window or sunroof doesn't affect NCB.

Motor legal protection

Saga will cover up to £100,000 of legal costs to recover uninsured losses after a non-fault accident if there is a high probability that you would win the case.

Personal injury policy

Saga offers personal cover up between £5,000 to £50,000, and this covers a wider range of injuries. It is also inclusive of a £200 per night fee if the victim is hospitalised for up to 10 days.

Besides main car insurance coverage, you can also get extra car insurance options at Saga. Get to know more, read our complete review on Saga car insurance .

Is Saga a good travel insurance company?

4,8 Safe overall rating for Saga travel insurance

Saga is a specialist travel insurance company focused on offering insurance policies to travellers over the age of 50. They have 5 star Defaqto rating and a high customer satisfaction rate of 4.5/5 based on more than 10.7K opininos on Trust Pilot. A downside of Saga is that they don't offer a variety of additional optional cover.

We would recommend Saga Travel Insurance to travllers over the age of 50 looking for simple and affordable travel insurance policy without the need to upgrade or add more optional covers.

For single and annual multi-trip cover, age and maximum number of days limits at Saga are:

You will find Saga cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.

Besides main travel insurance policies, Saga also provides extra cover such as:

• backpackers travel insurance
• long stay travel insurance
• winter sports cover
• cover for business trips
• cruise gear
• gadget cover

>> MORE: read our complete review on Saga travel insurance .

Is Saga a good home insurance company?

4,6 Safe overall rating for Saga home insurance

Home insurance is underwritten by famous insurers such as Lloyds Bank, AXA, Ageas, Zenith, Pen Polaris, Prestige, Covea etc.

The company is highly rated for home insurance by both expert reviews (Defaqto and Which) and customers reviews and even ranked among the most popular home insurance on the market.

For standard building insurance, Saga offers top alternative accomodation, unoccupancy period, owner's liability and keys cover. Standard Contents insurance also provides great cover for most contents, including those in the open and outbuildings.

The Essential home insurance at Saga still ranked well but accidental damage will for instance be available only as optional extra. Same for personal possessions cover.

The website is very well documented and information is easy to access. Saga also offers competitive prices. In overall, we do reccomend this company.

Saga building insurance

You will find below building main insurance details for the Standard Home Insurance cover at Saga:

• Maximum sum insured for your property : £1 000 000
• Owner's liability : £2 000 000
• Alternative emergency accomodation : Up to £1M
• Period of home's unoccupancy cover : 60 days
• Trace and access : Up to £1M
• Keys cover : Up to £1M
• Subsidence excess : £1 000

Alongside building insurance, you can get additional cover such as:

Saga contents insurance

You will find below contents insurance details for the Standard Home Insurance cover at Saga:

• Maximum sum insured for your contents : £100 000
• Alternative emergency accomodation : Up to £100 000
• Single item limit : £2 500
• Contents in the open : £1 000
• Contents in outbuildings : Up to £100 000
• Money / credit card kept at home : £500 / £500
• Items temporarily removed from home : £10 000

Alongside contents insurance, you can get additional cover such as:

Standard excess to report a claim at Saga is £100.

You will find exhaustive cover details, administration fees, contacts etc. on Saga home insurance on our review below.

>> MORE: read our complete review on Saga home insurance .

Saga discount codes, promos and vouchers

How to contact saga.

Find out how to contact and log in to Saga on our contact page.

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.

• Saga Cruises

Age, is there a minimum limit?

By Norwaylady , July 23, 2021 in Saga Cruises

Recommended Posts

we are looking into a Saga Cruise on Spirit of adventure.  We live in Norway and must book by phone, since we can’t book online and they don’t have a travel agent in Norway.  But that’s okay for us, we will manage.

But we browsed the FAQ and it was a question: how old must you be to travel on Saga….  Must you be 50+ to be able to book a Saga Cruise?  We have searched on several cruise lines and Saga is definitely the best choice for what we want.   We are seasoned travellers and we have been on several river cruises were we are the only guests under 50+. But we have a great time and it doesn’t matter for us. We are on holiday and just want to relax and take it slowly.   

Link to comment

Share on other sites.

Hello Norwaylady.  Saga cruises are for people aged 50 plus. Their travelling companion can be 40 plus. 

The age limit is part of their booking terms and conditions, it is not just that the holidays are targeted at the 50 plus, you have to the right age to make a booking. So if you are under 50, something to look forward to.

Oh, that’s not good news for us….

We want a longer Norwegian/Spitsbergen cruise and X that we normally do for ocean cruises  only have 7-days Norwegian fjords. It’s to short and not correct destination.   We prefer 10+ days. Azamara is not offering the route we want. 

We won’t travel on Hurtigruten again. We have taken the 12-days route Bergen-Kirkenes-Bergen journey. It’s okay for shorter trips, but never again on a full tour. And as of now they are treating their Norwegian guests as something the cat dragged inside…. They cancel guests last moments and don’t offer anything. And they cancel stops as they like. So now way we want to spend lots of cash on them.  Fred Olsen cruises is offering a similar itinerary, but it’s more expensive, no drinks included and on an old ship.  So we are not sold on them.   

Aida cruises is also offering a itinerary that tick of the right stops. More expensive then Saga, no drinks and lover level of service. 

But again it’s mainly for the germane market. We speak and read German, so the language barrier is not a huge problem. But we feel they fit in profile for Carnival cruises? And that scares us to death….. 

Host Sharon

Have a look at P&O. Their new, larger ships are sailing Norway, although sadly, not Spitsbergen. However, when Aurora and Arcadia resume service they are worth looking at for these itineraries. Otherwise Oceania might be a good fit. The new Saga ships are lovely but yes, there is a lower age limit for at least one of the guests.

We did a fabulous Midnight Sun cruise with Viking a couple of years ago, so that might be worth considering.  Did a P&O Arcadia one to Spitsbergen a while ago, and whilst it was a great experience I’d no longer recommend P&O to anyone, especially if you’re looking to avoid a ‘Carnival’ experience!  Fred Olsen does have older ships, and they are pricey, but the atmosphere onboard is lovely, and we’ve enjoyed many cruise with them in years gone by (did a Northern Lights cruise with them once, which remains in my top 5 cruise experiences).  These days we’re total Viking addicts and I’m only lurking on these boards as we’re not keen to fly at the moment, so I’m trying to work up some enthusiasm to try Saga.

Windsurfboy

If you are between 40 and 50 ,if so perhaps find some friends over 50 to go with you. I don't know if travelling companions applies to a group  or just one cabin. If it applies to group booking you can be their travelling companions.  Ask Saga, a quick e-mail. 

Please sign in to comment

You will be able to leave a comment after signing in

• Welcome to Cruise Critic
• Hurricane Zone 2024
• Cruise Insurance Q&A w/ Steve Dasseos of Tripinsurancestore.com June 2024
• New Cruisers
• Cruise Lines “A – O”
• Cruise Lines “P – Z”
• River Cruising
• Cruise Critic News & Features
• Digital Photography & Cruise Technology
• Special Interest Cruising
• Cruise Discussion Topics
• UK Cruising
• Australia & New Zealand Cruisers
• Canadian Cruisers
• North American Homeports
• Ports of Call
• Cruise Conversations

Announcements

• New to Cruise Critic? Join our Community!

Write Your Own Amazing Review !

Click this gorgeous photo by member SUPERstar777 to share your review!

Features & News

LauraS · Started Friday at 08:13 PM

LauraS · Started Thursday at 09:33 PM

LauraS · Started Thursday at 04:47 PM

LauraS · Started Thursday at 02:09 PM

LauraS · Started Wednesday at 11:07 AM

• Existing user? Sign in OR Create an Account
• Find Your Roll Call
• Meet & Mingle
• Community Help Center
• All Activity
• Member Photo Albums
• Meet & Mingle Photos
• Favorite Cruise Memories
• Cruise Food Photos
• Cruise Ship Photos
• Ports of Call Photos
• Towel Animal Photos
• Amazing, Funny & Totally Awesome Cruise Photos
• Write a Review
• Live Cruise Reports
• Member Cruise Reviews
• Create New...

TechBullion

Best travel insurance for seniors 2024.

Travel is an exciting adventure, but it also carries risks. As people age, they are more prone to unexpected health problems and accidents. Travel insurance covers medical emergencies, trip cancellation or interruption, lost luggage, and other travel mishaps. By purchasing insurance, you can gain peace of mind and financial protection.

This guidebook was created by analyzing statistical data from over 70 companies. We have meticulously compared the top providers of travel insurance for seniors, delving into the most important coverage options, explaining pre-existing conditions and age restrictions, verifying costs, the claims process, COVID-19 considerations, and more. With this information, seniors can travel with confidence knowing they have found an affordable policy that meets their needs.

Best Senior Travel Insurance Companies

When purchasing travel insurance for seniors, it is essential to find a reputable provider that offers comprehensive coverage options tailored to your needs. Here are some top providers to consider:

Travel insurance for seniors

– 24/7 Emergency Assistance 

– Emergency Medical Coverage 

– Cancellation for any reason 

Travel Insurance for Seniors provides extensive coverage, including COVID-19 coverage, foreign emergency assistance, and hospital and medical coverage, that is specifically designed to meet the needs of elders. The coverage can be quickly applied for online and has an AA+ rating. The best annual travel insurance policies provide 24-hour emergency support, safe transportation, and limitless medical payment coverage. Traveling the world is easy for seniors thanks to attentive customer service.

• Comprehensive coverage for medical emergencies and trip cancellation/interruption.
• Specially designed coverage for senior travelers, including coverage for pre-existing conditions.
• No age restrictions on many AARP travel insurance plans, making them available to those over 70 or 80 years of age.

Disadvantages 

• Limited coverage for pre-existing conditions may leave some seniors unprotected.
• Trip length and destination restrictions may limit travel flexibility for seniors.
• Certain adventurous activities and extreme sports are excluded and may not be to the liking of senior travelers.

Other Services

• Emergency evacuation
• Travel Insurance
• Domestic Travel Insurance

Ready to safeguard your travels with reliable coverage? Explore our comprehensive travel insurance plans for seniors today for peace of mind and financial protection for your next adventure. 

– Emergency Medical Benefits 

– Benefits for Trip Cancellation

– Age-Friendly Regulations

Senior travelers up to 85 years old can choose from a variety of travel insurance policies designed especially for them by Allianz Global Assistance. These regulations cover a wide range of needs, including shortened trips, delayed personal items, and delayed departures. Allianz provides alternatives for individual travel as well as yearly coverage, with plans catered to both incoming and outward travel. Their insurance provides peace of mind for seniors traveling around Europe and the world, with an age limit that promotes safe and secure travel.

• Broad selection of products, encompassing both annual and single-trip coverage.
• Coverage for canceled flights, lost luggage, and delayed departures.
• Accessible for travel both in and out of the country.
• Coverage throughout the world, including Europe.

Disadvantages

• Certain policies have strict age restrictions that limit older seniors’ access to coverage.
• Senior travelers may pay a greater premium.
• Travel restrictions may restrict the availability of some plans.
• Coverage for Trip Interruptions
• Services for Concierge

– Global Network Assistance

– Adventure Sports Coverage 

– Emergency Medical Coverage

Serving clients in more than 190 countries for more than 20 years, International Medical Group (IMG) is a respectable supplier of travel and international medical insurance. They provide a range of policies to meet different needs, such as insurance for retirees, travelers, students, and foreign nationals. IMG distinguishes itself from several competitors by offering emergency treatment and medical evacuation coverage up to $8 million. Their insurance have higher coverage limits than most other providers, with medical limits of up to $8 million. In addition, IMG offers extra coverages that may differ depending on the plan, such as reimbursements for missed flights and pet kennel expenses.

• Over 20 years of customer service experience in the field.
• More than 190 nations are covered.
• provides emergency medical care and medical evacuation coverage up to $8 million.
• Offers a wide variety of plans for senior citizens and other needs.
• A number of negative customer evaluations exist regarding the handling of claims and customer support.
• Benefits for baggage delays are not included in many basic plans.
• Beyond Emergencies
• Assistance with Travel
• Referrals for Medical Care

Seven Corners

– Flexible coverage options

– Round-the-clock emergency assistance

– Emergency medical coverage

Renowned travel insurance company Seven Corners has several senior-focused plans to choose from. Comprehensive coverage for lost possessions, medical situations, and travel cancellations is included by these plans. Due to their affordable costs and extensive coverage limitations, which cover pre-existing diseases and medical evacuation alternatives, these plans are well-liked by elderly travelers. Seven Corners is a dependable option for senior travelers due to its effective claims procedure and top-notch customer support.

• Full coverage for lost property, medical situations, and travel cancellations.
• Reasonably priced with ample coverage limits.
• Pre-existing condition policies and medical evacuation options.
• Excellent customer service and a smooth claims process.
• Some insurance have age restrictions or have restricted coverage for specific conditions.
• Increased rates for elderly passengers.
• Seniors must carefully check the contents of their plans to make sure their needs are covered.
• Legal Support
• Services for Medical Translation

Trawick International

– Comprehensive benefits

– Plans that can be customized

For seniors traveling outside of the United States who are over 70, Trawick International is a great alternative because it provides senior travel insurance plans with greater features than other senior travel insurance options. Their insurance address the special requirements of senior travelers by offering complete coverage for medical emergencies, trip cancellations, and lost belongings. Trawick International is distinguished by its affordable rates and extensive coverage limitations, which include choices for medical evacuation and pre-existing condition coverage.

• Greater advantages compared to other senior travel insurance programs.
• Comprehensive protection against lost personal property, medical situations, and trip cancellations.

Disadvantages  

• Only insured individuals up to age 65 may access it.
• Certain factors may limit the coverage available under certain policies.
• Medical Disturbance
• Services for Medical Monitoring

What Is Covered by Senior Travel Insurance?

Senior citizen travel insurance typically includes coverage for medical emergencies, trip delays or cancellations, and delayed or lost luggage.

In terms of medical coverage, senior travel insurance abroad frequently comes with travel medical insurance, which provides hospitalization, emergency medical evacuation, and emergency medical expense coverage. Seniors should give their travel insurance policy’s medical coverage first priority.

Seniors’ travel insurance also covers interruptions or cancellations of trips brought on by unanticipated events like illness, injury, or a family member’s death. Coverage for non-refundable costs, including as pre-paid airfare, hotel, and tour fees, is available.

Seniors can also anticipate luggage loss or delay coverage, which pays for the expense of buying necessary clothing and toiletries and replaces any lost or damaged belongings.

How Much Does Travel Insurance for Seniors Cost?

The average cost of senior travel insurance ranges from $416 to $434 per trip. Age, destination, length of trip, coverage limitations, and any pre-existing medical issues, however, may all affect the price. It is advised that you compare quotations from several insurance companies, taking into account your unique travel requirements and circumstances, in order to receive an exact cost estimate.

It’s important to note that different insurance providers could have varying coverage options and cost structures for low-cost senior travel insurance, so it’s best to research your options before making a decision.

How Do I Select Travel Insurance for Seniors?

Take into account the following elements while selecting the finest senior travel insurance:

• Pre-existing Medical Condition Coverage: This is important for seniors, so look for policies that include coverage for pre-existing medical issues. Make that emergency medical evacuation and full medical coverage are included in the policy.
• Age Restrictions and Eligibility: Verify the senior population’s age restrictions and eligibility. Selecting an insurance provider that specializes in serving elders is crucial because certain policies may have age limitations.
• Coverage for Trip Cancellation and Interruption: Determine whether the policy provides sufficient coverage for delays or cancellations of travel, including payment of pre-paid and non-refundable travel expenses resulting from unanticipated events.
• Emergency Assistance Services: Verify if the insurance offers access to a worldwide network of healthcare providers as well as round-the-clock emergency assistance services.
• Benefit Limits and Deductibles: Examine the benefit limits and deductibles to make sure the coverage is adequate and meets your travel requirements.
• Flexibility and Customization of Policies: Seek out policies that enable customization according to the particulars of the trip and the person’s medical requirements.
• Examine client testimonials and ratings: To determine dependability and level of satisfaction, look for customer reviews and ratings for various insurance providers.
• Compare Multiple Quotes: Request quotes from various insurance companies and evaluate the prices, policies, and extra features each one offers.

Seniors can select the finest travel insurance by taking these elements into account.

It’s crucial to remember that the best travel insurance for seniors over 70 may differ depending on certain conditions, so it’s ideal to carefully go over the specifics of the policy and, if needed, get advice from the insurance company.

Frequently Asked Questions

Is travel insurance necessary for seniors.

Yes, seniors should definitely consider purchasing travel insurance. It offers protection against a variety of unforeseen circumstances, including lost luggage, medical problems, and more.

What age group does travel insurance consider senior?

Insurance companies may have different definitions of what constitutes a senior, but generally speaking, it is 65 years of age or older.

Does purchasing travel insurance for overseas trips cost a lot for seniors?

Seniors may pay a little bit more for travel insurance because of things like age and possible health risks. It is advised, therefore, that you evaluate quotes from several insurance companies in order to identify the finest coverage at a reasonable cost.

Which insurance does elderly travelers need to have the most?

For elderly travelers, medical insurance—more especially, emergency medical evacuation and travel medical insurance—is the most crucial type of coverage. When traveling, these coverages offer financial security and peace of mind in the event of unanticipated medical problems.

Do pre-existing diseases get covered by senior travel insurance?

Pre-existing medical conditions are often not covered by travel insurance for seniors, however certain policies allow you to get coverage for pre-existing conditions by waiving the exclusion for pre-existing conditions. Pre-existing conditions may be covered by this waiver, subject to specific limitations.

Recommended for you

Trending Stories

Strands Technologies, Ltd., a Global Fintech, has Secured over $3M in Pre Seed Investment.

Independent software vendor (ISV) Strands is a commercial solution that strands together on-chain and...

Nelo Life, An Exclusive Lifestyle Membership Platform, Is Ready To ‘Co-Create A Better World Together’

A new innovative and dynamic company called Nélo Life is set to take the...

Travel is an exciting adventure, but it also carries risks. As people age, they...

Vishwanath Eswarakrishnan: Driving Innovation and Mentorship in Tech

Vishwanath Eswarakrishnan’s remarkable journey in software engineering is a testament to his dedication, creativity,...

Exclusive Interview With Orkan Arat – CEO of Plondo Network

Orkan Arat is a seasoned leader, currently serving as the CEO of Plondo Network,...

Harnessing Best Strategies for Crypto Success: An Interview with Charlie Rothkopf, Founder of CZR Fund

Earlier this year, entrepreneur Charlie Rothkopf announced the launch of his CZR Fund –...

Overcommunication Is a Silent Productivity Killer for Hybrid Workers

Modern workplaces are facing a major productivity problem, and overcommunication is partly to blame....

Immediate Flare Erfahrungen 2024: Betrug oder echt – Fakten überprüft

Immediate Flare Erfahrungen 2024: Betrug oder echt – Fakten überprüft Immediate Flare ist ein...

Crypto Expert Levi Hails BlockDAG’s Keynote 2: Predicts Daily $5M Sales; Shiba Inu And Litecoin Show Bullish Trends

Delivering Keynote 2 from the Moon, BlockDAG captivated YouTube crypto analysts, especially Levi, who...

The Next Generation of Vending and Kiosk Technology for Your Business

With rapid advancements in technology reshaping industries, the evolution of vending machines and kiosks...

The Automated Future of Marketing: AI and ML Take the Reins

The world of marketing is in a state of transformation. Once considered a purely...

Decarbonization Sector: US Regulators Target Vertical Mergers in AI

Authorities are keeping a closer eye on vertical mergers as businesses like Apple and...

What Is Tubidy and How Does It Work for Music Downloads?

Tubidy, a popular music streaming and downloading platform in South Africa, offers an extensive...

What is ZKSync Airdrop ? Complete Guide to an easy Claim

Introduction to zkSync Airdrop With the growing popularity of decentralized finance (DeFi), airdrops have...

Quantum Dexair Review 2024: Scam or Legit? – Scam Tested!

Quantum Dexair is a new trading system that has become popular among crypto traders...

Secure Marketing Strategies: Championing Data Privacy and Security in Survey Marketing with Blockchain Technology 

In today’s digital age, personal data has become a cornerstone of marketing strategies, enabling...

South Korea Chip Prices Surge 42%, AI-Driven

The demand for AI and sales of high-bandwidth memory caused a 42.1% increase in...

BlockDAG Targets $30 Price by 2030 as Presale Thrives; Mantle (MNT) Shows Upbeat Trend, Stellar Aims for Stability

Mantle (MNT) continues to shine in the crypto market, showing resilience and maintaining a...

BlockDAG’s 1120% ROI Explosion Mesmerizes Crypto World As Litecoin Slump & Toncoin Skyrocket

BlockDAG is making waves in the crypto market with a stellar presale, accumulating over...

10 Must-Have Event Services Technologies For A Successful Virtual Event

Virtual events have become increasingly popular, offering unique opportunities for global participation and engagement...

Like Us On Facebook

Latest interview.

Earlier this year, entrepreneur Charlie Rothkopf announced the launch of his CZR Fund – an entity that blends Bitcoin investment with active...

Latest Press Release

Vanpowers Announces Inspiring Collaboration with Amputee Rider Jim Wilkes

Jim was told he’d never be able to ride again. But there’s no way he was leaving it at that! After grueling...

Pin It on Pinterest