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Saga Travel

Soul of the Mississippi

Memphis, New Orleans

• Discover Memphis
• See one of the oldest Protestant churches in Louisiana
• Explore New Orleans
• Visit Oak Alley Plantation and St. Francisville

Cultural, National Parks, Nature & Wildlife, Small Ship Cruise

India: Beyond the Taj

Agra, Delhi, Rajasthan, Taj Mahal, Varanasi

• Explore Delhi, Agra and Gwalior.
• Experience train journey by travelling attractive cities like Rajasthan and Bharatpur.
• Discover Khajuraho and Varanasi
• Visit Panna National Park and Deeg Palace

Cultural, Train & Rail Journeys

Voyage on the Mekong

Ho Chi Minh, Killing Fields, Phnom Penh , Siem Reap, Tonle Sap Lake

• Explore Ho Chi Minh City, Siem Reap and Kampong Cham
• Have a chance to sail in Tonlé Sap lake
• Discover Tuol Sleng Genocide Museum, killing fields and Choeung Ek
• Visit Phnom Penh and Châu Đốc

Seychelles Island Explorer

• Explore Ste. Anne Island
• Discover Anse Lazio
• Experience the wild nature by visiting Cousin Island
• Explore Vallee de Mai and La Digue

Birding, Cultural, National Parks, Nature & Wildlife, Small Ship Cruise

Road to the Rockies and Alaskan Explorer

Banff National Park, Canadian Rockies, Glacier Bay National Park and Preserve, Jasper, Ketchikan, Lake Louise, Misty Fjords National Monument, Vancouver

• Visit Vancouver and Ketchikan
• Explore Misty Fiords National Monument and Tongass National Forest
• Discoveries Canadian Rockies
• Visit Maligne Lake and Lake Louise

National Parks, Nature & Wildlife, Small Ship Cruise

Rhodes to the Aegean for solo travelers

• Rhodes town visit
• Symi island tour
• Leros island tour
• Rhodes panoramic tour
• Scenic inter-island crossings

Cultural, High Adventure, Relaxing Retreats

The Cape Revisited for solo travellers

Table Mountain

• Explore Cape Town
• Discover Cape Peninsula and Table Mountain
• Visit Cederberg, Stellenbosch and Franschhoek
• Explore West Coast National Park and West Coast Fossil Park

National Parks, Nature & Wildlife

Treasures of the Croatian Coast

Croatia, Dalmatian Coast, Dubrovnik, Malaga, Southampton, Split, Valletta, Venice

• Malaga, Spain
• Valletta, Malta
• Dubrovnik, Croatia
• Venice, Italy
• Split, Croatia

High Adventure, Small Ship Cruise

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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

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TRAVEL SAGA TOURISM OFFICE & BRANCHES

Welcome to Travel Saga Tourism, your best choice for outstanding travel experiences. With our vast network of offices and branches, we commit to providing you with exceptional service and help every step of the way. Hundreds of happy vacation memories of our guests speak about us and our excellent services. Whether you want a ride on a calm cruise, an adventurous desert safari, or an Emirati experience, our team of professionals and travel desk consultants can make your travel dreams come true. Thus, explore more about us by going to our “About us” page. Here is the list of Travel Saga Tourism offices and branches below:

Here is the list of Travel Saga Tourism Offices and Branches in Dubai

Main office.

Travel Saga Tourism

Office 303, New Century City Tower,

Ittihad Rd – Port Saeed, Opp. to Deira City Center

Deira Dubai (United Arab Emirates)

Jaipur India Office

Travel Saga Holidays India Private Limited

Office No 116, Manglam Metropolis Tower,

Purani Chungi, Panchsheel Colony,

Nirmohi Nagar, Jaipur, Rajasthan 302019, India

https://maps.app.goo.gl/qZT6xSwkoSRyb3yA7?g_st=ic

Travel Saga Tourism Ramada Downtown, Boulevard Street Dubai – United Arab Emirates

Travel Saga Tourism Rove Trade Centre 2nd December St – Al Jaffiliya Dubai – United Arab Emirates

Travel Saga Tourism Rove Dubai Marina Hotel Al Seba St – Dubai Marina Dubai – United Arab Emirates

Travel Saga Tourism Novotel Dubai Sheikh Zayed Rd – Opp. Mashreq Metro Station Al Barsha Dubai – United Arab Emirates

Travel Saga Tourism Signature 1 Hotels TECOM Al Thanayah Fourth – 1 2 A St – 1st St – Barsha Heights Dubai – United Arab Emirates

Travel Saga Tourism Branch 6 Premier Inn, Dubai International Airport Parking B – Airport Rd – Opp. Terminal 3 – Garhoud Dubai – United Arab Emirates

Travel Saga Tourism Branch 7 Rove La Mer Beach La Mer Beach – Jumeirah Jumeirah 1 Dubai – United Arab Emirates

Travel Saga Tourism Branch 8 Radisson Blu Hotel – Al Sufouh Dubai Media City Dubai – United Arab Emirates

Travel Saga Tourism Hotel – Premier Inn Dubai Al Jaddaf – Jaddaf Waterfront Dubai – United Arab Emirates

Travel Saga Tourism Ibis One Central One Central Dubai – United Arab Emirates

Travel Saga Tourism Novotel WTC WTC Dubai Dubai – United Arab Emirates

Travel Saga Tourism Rove Downtown Downtown Za’abeel – Za’abeel 2 Dubai – United Arab Emirates

Travel Saga Tourism City Walk Dubai Rove City walk Dubai – United Arab Emirates

Travel Saga Tourism Rove City Centre Port Saeed Dubai – United Arab Emirates

Travel Saga Tourism Ibis Al Barsha Al Barsha Dubai – United Arab Emirates

Travel Saga Tourism Media One Media City Dubai Dubai – United Arab Emirates

Travel Saga Tourism Rove Healthcare City Healthcare City Dubai – United Arab Emirates

Travel Saga Tourism Ibis WTC WTC DUBAI Dubai – United Arab Emirates

Travel Saga Tourism Rove At the Parks Dubai Parks & Resorts Dubai – United Arab Emirates

Travel Saga Tourism Rove Expo Expo City Dubai Dubai – United Arab Emirates

Travel Saga Tourism Residence Inn by Marriot SZR Dubai Dubai – United Arab Emirates

Travel Saga Tourism Kempinski Moe Mall of Emirates Dubai – United Arab Emirates

Travel Saga Tourism Arabian Park Dubai, an Edge by Rotana Hotel Al Jadaf Street, Behind Latifa Hospital, Al Jadaf Dubai – United Arab Emirates

Travel Saga Tourism Al Jaddaf Rotana Suite Hotel Al Jaddaf Dubai – United Arab Emirates

Travel Saga Tourism Stella Di Mare Dubai Marina Hotel Al Mattla’ee St – Dubai Marina Dubai – United Arab Emirates

Travel Saga Tourism Damac Maison Mall Street Hotel Apartment Umniyati Street Burj Area Dubai – United Arab Emirates

Travel Saga Tourism Damac Maison Distinction School Street, Opposite South Ridge Tower 6 Dubai – United Arab Emirates

Travel Saga Tourism Damac Maison Cour Jardin Marasi Dr – Business Bay Dubai – United Arab Emirates

The list doesn’t end here. The moment you read about us, we are launching another branch somewhere. We keep expanding our services and provide tailor made packages to cater to individual needs. You can learn more about us by connecting via call or E-mail. Alternatively, you can simply connect to us on the website live chat and learn more about us and our tourism service. So, what are you waiting for? Book your next trip with Travel Saga Tourism for a seamless travel experience. Check out our services for Dubai Tourist Places , Abu Dhabi Tours & Attractions , Dubai Visit Visa Services , Thailand Holidays Package , Singapore Tour Package , Turkey Holiday Package  & many more. All our services can be booked at our all branches and our travel expert can help you plan your holidays. Click to know more about us .

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

Christine Krzyszton

Senior Finance Contributor

314 Published Articles

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

Keri Stooksbury

Editor-in-Chief

36 Published Articles 3298 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.

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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.

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Saga Travel is an Icelandic tour operator is built by people with passion for Iceland and travel. We believe that life should be an adventure, driven by the desire for knowledge and new experiences. All our tour guides are highly qualified and experienced local professionals, who know the land like the back of their hand and are storytellers at heart.

Goðafoss Waterfall Tour from Akureyri Port

Operated: goðafoss waterfall tour is the perfect shore excursion from akureyri port.

Embark on an awe-inspiring Coach Tour from Akureyri Port to the majestic Goðafoss Waterfall. The tour is tailor-made for cruise ship passengers seeking adventure through Iceland’s northern wonders. This excursion allows you to explore at your own pace while enjoying informative reading in English, German, French, and Spanish.

Tour description

Your journey commences as you disembark your cruise ship and board a spacious and comfortable coach ready to transport you on an unforgettable experience. Departing from Akureyri Port, you’ll have access to informative reading materials in multiple languages, enhancing your understanding of the destinations you’ll encounter. The tour’s highlight is the breathtaking Goðafoss Waterfall, often referred to as the “Waterfall of the Gods.” Admire the powerful cascade and the lush green surroundings, all while learning about the Viking-era legends that infuse this site with cultural significance.

As your Coach Tour wraps up, we’ll ensure you’re safely returned to Akureyri Cruise Ship Port, allowing you ample time to rejoin your cruise ship for departure. We also offer drop off at the Forest Lagoon, Akureyri Botanical Gardens and Akureyri City Center, in case you want to enjoy free time before the ship’s departure. All these are within walking distance from the Cruiseship Port. Forest Lagoon offers free transport back to Akureyri Port.

This tour leaves from Akureyri Port. We are located in front of your cruise ship as seen pictured here below. You will find us wearing orange vests ready to assist.

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• Goðafoss Waterfall
• Akureyri City
• Eyjafjörður Fjord

Departure time

• Reservation is necessary
• Due to weather and/or road conditions we might have to alter the itinerary or have longer journey time

We recommend you bring

• Warm clothing
• Water bottle

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Passport Vs. Enhanced License: They Both Permit International Travel, So What's The Difference?

• Enhanced Driver's Licenses (EDLs) can only be obtained in five US states: Michigan, Minnesota, New York, Vermont, and Washington. They can be used for international travel to countries like Canada, Mexico, and the Caribbean.
• EDLs are not a substitute for a passport and do not grant access to all international borders. Temporary EDLs are not accepted at border crossings, so travelers need to wait for the formal copy of their license.
• REAL IDs are another form of identification that can be used at airports and for secondary identification within the United States. However, a passport is still required for international travel with a REAL ID. Passports are often seen as superior to EDLs and are recommended for those without access to EDLs.

For anyone who doesn't live in a state that offers enhanced driver's licenses, also known as EDLs for short, there's probably a bit of confusion at this headline. What the heck is an enhanced driver's license? Can you get them anywhere? Are they used to travel across any international borders ? Does one still need a regular driver's license in addition to an EDL? Can you get one in any state or for another state? Understandably, the list of questions surrounding this unusual travel ticket is extensive.

Alternatively, there's the passport, which is a tried and true form of travel identification that's been used for decades. However, does one need a passport if they have an EDL? And, when it comes to crossing the border, does one need a passport in addition to an EDL? Once again, there are many questions - which is why we're here to answer all the things that confuse travelers about both of these forms of identification. While they can't be used interchangeably, they do overlap in terms of where a person can travel and how .

UPDATE: 2023/08/04 15:53 EST BY NOAH STAATS

Adding To The Travel Saga: What Is A REAL ID?

This article has been updated with new information regarding travel domestically and internationally in and out of the United States, as well as comparing EDLs to REAL IDs. Whether someone has an upcoming trip, needs help before the airport, or has other concerns, we're here to help!

Related: Vaccine Passports: All Your Questions About What, When, And Where, Answered

For Starters, What Is An Enhanced License, And Where Can You Get One?

• Enhanced Driver's Licenses, or EDLs, can only be obtained in five US states.
• People won't be able to get these unless they're in Michigan, Minnesota, New York, Vermont, or Washington.

An Enhanced Driver's License, EDL for short, can only be obtained in five states : Michigan, Minnesota, New York, Vermont, and Washington. These are all states that border another country (Canada). Therefore, an EDL can be used at border crossings. However, an EDL also permits travel in other countries, as well, and not just those that share borders with the U.S. So, what is this magical card all about, then?

To obtain an EDL, drivers must go to the DMV and apply for one. The cost of an enhanced license will vary based on the state, but there's always an extra fee to pay for having a license that also doubles as a means for travel identification. The ID will have a visible differentiation between what it is vs. a regular driver's license, which is to keep people from replicating them or counterfeiting an EDL. It also might take slightly longer to get an EDL in the mail since, while it is a driver's license, it does vary from the typical license.

EDLs are extended licenses allowing a person to travel between states and certain countries. They will have a different look than a standard license and should be permissible at border checks, state lines, and traffic stops. People can use them to get in and out of Mexico and Canada, which is helpful.

The benefit of having one of these is the fact that travelers can use it to get into both Canada and Mexico, and it can be shown at both border crossings as a form of legitimate identification for entry. An EDL can also be used in the event that a traveler is going to the Caribbean, which is helpful in the event that someone doesn't have a passport or doesn't have time to obtain one (always check territory restrictions before booking trips).

So, it could be said that an EDL is great for use in 'local' international travel. However, this doesn't mean that it's always a substitute for a passport. Additionally, since the EDL is not available in every state, it means that more than half of the country does not have access to such a form of identification. So, there are still downsides to this, and it does not grant travelers access across all international borders, nor does it replace a passport when boarding a plane to another country. Temporary EDLs also are not accepted at border crossings, so, similar to a passport, travelers will be required to wait until they've received the formal copy of their license before using it for travel purposes.

Related: Why Are There More Passports & Immigrations Than Countries?

Enhanced ID Versus REAL ID: Which Is Better?

• Enhanced Driver's Licenses are used without passports, while REAL IDs are not.
• Obtaining a REAL ID is good for airports and secondary identification when entering or leaving the United States.

On top of an EDL, there is also something called a REAL ID. These work similarly, allowing government agencies to distinguish who's a US citizen versus a foreigner. With a REAL ID, the card will have a specialty stamp of citizenship, which can be used at airports, borders, etc. However, these aren't considered better than Enhanced Driver's Licenses, as they can't get people in and out of countries without a passport.

According to the Department of Homeland Security , a REAL ID is a nationwide effort to improve the integrity and security of State-issued driver's licenses and ID cards. They essentially offer a second layer of trust and protection to you and the ID in question, so this could be an alternative to look into. People still need a passport to enter the country with a REAL ID, so that's one downside. Domestically, it's not required to have both. They're also about $30 cheaper than EDLs.

If someone travels domestically often, a REAL ID is a good investment. They're cheaper than Enhanced Driver's Licenses but need a passport with them at international entry and exit points.

Is A Passport Better Than An Extended Driver's License?

• Passports are often seen as superior to EDLs.
• Those who don't have access to Extended Driver's Licenses can apply for passports.

For people who don't live in states where EDLs are available, obviously, it makes sense to get a passport. EDLs are much cheaper, but for those on a budget who are looking to do that 'local' international travel, a passport card might be something to look into. For those who do live in EDL states, it's a worthy thing to have, even if they're not planning on crossing international borders anytime soon. For a fee that's not extraordinary, it won't break the budget to splurge for the extra $30 or so license.

Anyone who does live in a state where an EDL is an option but is planning on traveling to a country that's not Canada, Mexico, or the Caribbean should absolutely invest in a passport. Simply put, EDL does not grant access to any other countries and will likely never be used for such purposes. It's easier to think of the EDL as a special privilege granted to certain states that share borders with other countries - it won't grant access to the world, but it will allow country-to-country crossings. A passport is a long-term investment that, in the long run, will permit travel practically anywhere and will last longer than an enhanced license.

Getting A Passport Just Got Easier

The United States is (finally) making it easier to apply for passports. Starting in 2023, Americans will be able to apply for their passport renewals online (but not for their first passports - that takes longer ). This will help make the whole process much simpler. It could be better as the new system will still lag behind the speed and convenience of other countries like New Zealand (which have been renewing passports online for many years).

The standard fee for renewing a passport will be $130.00, and it will be valid for 10 years. It will take 7 to 10 weeks to receive one's passport - although this can be expedited for an extra fee.

• Standard Fee: $130.00 Standard Renewal
• Routine Service: 7 to 10 Weeks

Over the border in Canada, the Canadians have been at work simplifying the renewals of their passport too.

The question should not be an either/or debate about whether one should get a passport or an EDL. Instead, one should have both - especially if one lives near the borders with Canada or Mexico. That way, one can spontaneously decide to cross the border (one may not always be carrying a passport around). Most people should just invest in having both. There are many reasons why everyone should have a passport .

Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may be eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a weeklong, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free-look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policyholders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plans cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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