SAGA Travel Insurance is offered by SAGA, a UK company that offers products and services to consumers who are 50 years and over. Policy holders can choose how much excess they would like to pay. I'm sure you must have questions.So, why not call us. The UK legislation on redundancy requires an employee to have worked continuously for their employer for two years before they are entitled to receive payments under the redundancy legislation. Ernest Wirral We provide cover to travellers over 65 (life begins at 60, after all) When the whole country went into Covid lockdown in March 2020 I called Saga to ask for an extension on my travel insurance policy (due to expire end of Sept 2020). The cancellation limit is £10,000. However, to ensure that we are comparing like for like cover, we filtered the results by the rating, to ensure that we only viewed insurance plans that offered the same 5 star Defaqto rating. Saga, which specialises in holidays and cruises, as well as over 50’s travel insurance, has announced a new COVID-19 specific package of travel insurance policy for all trips from June 1 2020. In summary, if you are a SAGA member looking to buy travel insurance, our advice is to use a comparison marketplace where you can compare multiple travel insurance plans from many of the largest providers. SAGA travel insurance will only cover people who have the United Kingdom as their main home and has a trip that starts and ends in the UK. Some countries hope to open up to tourists this summer, but travel insurance could be tricky - here's how the main providers are reacting. We next turn to the price of the cover available. Pre-existing condition waiver is a term used where the normal exclusion that would prevent a traveller with a pre-existing condition getting cover being waived. My rational was that March to September were likely to be months when a vulnerable and 'at risk' person (myself) would be unable to travel abroad due to restrictions. It's listed on the London Stock Exchange.. Best and worst travel insurance companies. It is possible to cover a pre-existing condition with SAGA Travel Insurance, but any condition must be specified when buying the travel insurance, and you must continue to inform SAGA if your pre-existing condition changes prior to departure. It provides both financial products such as insurance and ISAs, and also non-financial, such as legal and care services for the elderly.Its travel insurance is underwritten by Great Lakes Insurance SE. Interestingly, we were not asked about cost of the trip. This is slightly more restrictive than the normal 12 months continuous employment that we like to see in a travel insurance plan. The travel insurance comparison site came up with over 60 options of alternative cover and listed them from cheapest to most expensive. Munich Re Group has a rating of A+ (Superior) by A.M. Best and AA- (Very strong) by S&P. The options are £50, £100, and £150. Our new app, just for Saga customers is here! Additional cover includes £2m of personal liability and £50,000 of legal expenses. Cover for loss of job is included, although the wording is quite restrictive. Saga Travel Insurance is just one of the products offered. Other leisure activities are covered so long as the customer undertakes these activities in a professionally organised and supervised manner. The policy states that cover is for redundancy and that: “you or your travelling companion have been given a notice of redundancy and are receiving payment under the current redundancy payments legislation”. This will allow you to compare the product and price offered to you by SAGA and decide which travel insurance plan offers you best value and cover. Saga travel insurance gets 5 out of 5 stars from Defaqto for policies bought direct or through a comparison site with the lower £70 excess, which is an indication of the features provided by Saga travel insurance. This includes details of our cover for coronavirus (Covid-19), which also applies to annual trip policies purchased on or after 13th March 2020 (or renewed on or after 17th April) for trips departing on or after 1st August: Policies with a start date on or before 11th August 2020: Your quotes, insurance policies, and holiday bookings. AND I’ve signed up for three years for cover at the same price, so no need to search for the best deal each year, or queue on the phone for 30 minutes to cancel an overpriced renewal quote! Get a great deal on your car insurance and save even more when you take out a new policy thanks to our Saga cashback deals. Saga has added the cover to help customers feel more comfortable travelling once the government advice changes to say that it is safe to do so. To enable us to compare whether the SAGA travel insurance plan offers good or bad value and cover for money, we next ran the same quote criteria through a UK travel insurance comparison website, similar to AARDY. That is why we built AARDY, to quickly and easily give our customers the ability to compare and contrast multiple insurance plans in one easy-to-use website. 1200 South Pine Island Road, Plantation, FL 33324, © 2021 AardvarkInsure.com Corporation Terms Of Use Policy | Privacy Policy. When asked about questions about pre-existing conditions, medical issues and pending treatments we answered that our traveller was in good health with no specific medical issues. SAGA also makes it easy to navigate directly to the policy documentation with just a few clicks on the ‘Single Trip’ on the left column, and following the prompts offered to download the policy document. This will be included as standard as part of its travel insurance policies for all trips from 1 June for Saga holiday and cruise customers, many of whom have annual policies. Saga travel insurance even offers £1,000 towards ‘air rage’. Saga offers a choice of four health insurance plans for over-50s, each providing different levels of cover for hospital in-patient, day-patient and outpatient treatment. SAGA travel insurance will only cover people who have the United Kingdom as their main home and has a trip that starts and ends in the UK. If you are covered, you will find in your policy documents the right phone number to call to claim on your home insurance. My grandma (who is 84, but well) rang up SAGA as her yearly travel insurance was due to run out, as she was only due to take one trip this year, she requested a price for a 2 week holiday. Great price for car insurance renewal Great price for car insurance renewal, beat my current insurers by £100! Please note, from 6pm on 13th March 2020, any new Saga Travel Insurance policies will not provide cover for any claim caused by or relating to Coronavirus Disease (COVID-19). Note that there is no specified minimum period that a person must have worked with their employer. Saga Health and Travel Insurance’s Head of Product, Kevin McMullan, said: “With travel restrictions continually changing, many people may be worried that much-anticipated holiday plans could be cut short, or increasingly reluctant to go at all. SAGA, overcharging for phone quotes by more than double. Only when we compare and contrast the travel insurance marketplace will we discover the quality of the plan that SAGA offers. When we turn to the section of cover dealing with medical and associated expenses, the first paragraph of the policy immediately looks restrictive. Why not use one of our Saga Travel Insurance voucher codes to secure a great deal and peace of mind. We decided to travel out on 15 March 2018. However, we think travel insurance is still essential if you're heading abroad, and we continue to scrutinize insurers. Other insurance offered by Saga. In the unfortunate event that you have to cancel your holiday, our policy can offer up to £10,000 cancellation cover. Founded in 1959, Saga specialises in products for the over 50s market. The tab to direct customers to Saga Travel Insurance is clear and obvious and sends the customer to a page where they can choose either buy SAGA Travel Insurance Single Trip or a SAGA Travel Insurance Annual Multi-Trip. 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. Having added all of these trip and personal details into the SAGA website, the price offered by SAGA for their single-trip travel insurance was £48.85. This is no surprise to us at AARDY. Because of the impact on the market of COVID-19, we've temporarily stopped recommending individual travel insurance providers. Whether you are on a regular weekend getaway or on an occasional family trip, you will be pleasantly surprised by the comprehensive coverage. Having said that, the summary at the start of the policy makes it easy to navigate to the relevant part of the policy that is of interest to our traveller. The company has said that will continue to review its policy to ensure customers receive “significant value” from the cover and customer feedback will be central to further policy updates. This may be sufficient for many travellers, but there will be some for whom this limit is insufficient for their travel needs and may not provide sufficient cover for the trip they have booked. Our Policy Book provides you with full details of the cover provided under your policy and all necessary terms and conditions. The medical and associated expenses cover is £10 million. Our Policy Books will provide you with detailed information about the cover you have purchased. 5-star rated by Defaqto, at Saga, the customer is number 1 priority. Every medical issue they might have would be covered by the NHS in the UK, or the equivalent within other member states. With an annual Saga Travel Insurance policy you're covered to travel up to a maximum of 120 days per year in your chosen region or up to 45 days per trip with the option to extend to 60 or 90 days (extensions exclude USA, Canada and the Caribbean Islands). We stated our traveller to be 53 years of age and in good health. For us at Saga Holidays, this has meant that we have not been able to take our guests on holiday since March. “What is covered. They merged with the AA after being brought by venture capitalists to form Acromas Holdings. We ran a quote on the SAGA Travel Insurance website for a seven-day trip from the UK to the USA. The over 50s insurance specialist is one of the first in the UK to cover cancellations for COVID-19. Saga specialize in providing Travel, Insurance Financial services and Healthcare to the over 50 market. Imagine being taken ill whilst on a trip to the USA. There is no pre-existing condition waiver. Whether you hold a current insurance policy with us, travel with us, or subscribe to our best-selling Saga Magazine, you’ll have access to an exclusive range of benefits. While a range of popular activities are covered as standard, there is optional cover available for winter sports. 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. As always, see your policy book for full details on the underwriters of your policy. You will remember that the SAGA Travel Insurance quote for our single traveller to the USA who was in good medical health was £48. Saga travel insurance is underwritten by Great Lakes Insurance SE, and the End Supplier Failure Insurance section of a policy is provided by International Passenger Protection Limited and underwritten by Certain Underwriters at Lloyd’s. SAGA Travel Insurance also does not provide the customer with a time-sensitive period to purchase their insurance following initial trip payment to unlock any additional travel insurance benefits – for example, pre-existing condition waiver. As we see with most travel insurance plans, leisure activities either fall into a category of covered or non-covered. You don’t know how good you insurance company is until you make a claim and with LV I’ve always had good service when claiming on my House,Car and Travel policies. At Saga our over 50s travel insurance has been rated 5 Stars by experts Defaqto for more than 10 years running. Saga added it would review the policy terms as travel advice continues to change. Saga Travel Insurance offers 2 policies: Single trip and Multi trip, while Globelink Travel Insurance has a range of policies for various trip types. Saga Travel Insurance is no exception. Holidaymakers holding Saga travel insurance policies will be able to claim if they need to cancel their trip because they test positive for coronavirus. Even when adding on the requirement for a 5-star rating, it appears that SAGA Travel Insurance is nearly 100% higher in price than the best available alternative cover. More about Saga Travel Insurance . * 59% of customers who purchased a new Saga Travel Insurance policy online between 1 June and 30 November 2020 received a discount between 15% - 30%. This would seem to provide a substantial level of cover that we would be happy to support. With this filter in place we were able to see a true comparison of the alternative plans available on the open market versus the single-trip plan offered by the SAGA website. As a brand, SAGA is generally very well regarded and strives to offer goods and services which are tailored to its 50+ member base. This is on the basis that the NHS covers all medical and associated costs for a UK citizen, and that within Europe, there exist reciprocal arrangements so that each other European country's own health service will be provided to a UK citizen for free, or at a substantial discount, and the UK will act in a similar manner to citizens of other European countries if they need medical assistance whilst in the UK. The user then has the ability to sort by various headings, including rating and cover. The costs of medical services, hospital procedures and repatriation to the UK could quickly mount up. What this appears to mean is that private hospitals and private associated costs are not covered within the United Kingdom or Europe. The SAGA website is well presented with good colours and font size which are clearly legible. The departure date is a calendar drop down box, and once selected, you are immediately offered a click button for some of the most likely vacation durations, including seven nights, ten nights and 14 nights. Policies with a start date on or after 24th November 2020: Policies with a start date on or after 12th August 2020. We know that a travel insurance marketplace like the one used in this example is the best way to find great value and coverage for a traveller. As with most travel insurance policies, the single-trip SAGA travel insurance offers the customer a 14-day free-look period, also known as a cooling-off period. This section provides insurance for medical and associated costs not covered by the National Health Service or any reciprocal health agreement. Policies with a start date on or after 12th August. It is hard to envisage a scenario where a UK citizen traveling in Europe or the UK could ever possibly incur medical and associated costs against their insurance plan. AllClear Travel Insurance is arranged by AllClear Limited, which is registered in Gibraltar company number 117274. For no limits on adventure and discovery, you can rely on Saga to support you all the way with their comprehensive travel insurance options for the over 50's. As expected, there are a number of activities that SAGA Travel Insurance does not cover and these include some obvious high-risk activities such as base jumping, shark diving and bobsleighing. You should check first on your Saga home insurance policy schedule and check whether you are covered or not. Saga Travel Insurance ranges from single-trip to annual-trip insurance covers for UK travellers over 50 years old. The policy speaks in terms of expenses not covered by the National Health Service (NHS) or by a “reciprocal health agreement”. In 2014 they were publicly listed as Saga Plc. Some of the activities in this section include abseiling, Segway riding and white-water rafting, although a number of the cover items, such as black water rafting and camel riding, have an exclusion for personal liability cover or personal accident cover, or both. Saga was founded by sidney De Haan in 1959. Typically, with this type of waiver the traveller must be medically fit and stable when the travel policy is bought, and needs to buy the travel insurance within a prescribed number of days following the initial trip payment date. It also offers the user the ability to add additional countries to their trip. Maintaining continuous cover with an annual policy could give you the freedom to book last minute trips. Saga Travel Insurance specialises in offering comprehensive packages that deliver complete peace of mind for people aged 50 and over. The policy document for the single trip travel insurance downloads in just a few seconds over a reasonable WIFI connection, but is a rather staggering 64 pages long. Saga Car Insurance policies cater for the specific needs of the over 50s, and you can choose from Third Party, Third Party, Fire and Theft and Comprehensive options. How to make a claim on Saga travel insurance How to claim on your Saga home insurance? Great Lakes is a German insurance company based in Munich and is a fully owned subsidiary of Munich Re Group, which has excellent financial strength. Without anything to compare against, our traveller has no idea whether the product and price being offered represents good value and cover, or whether they may be paying far too much for what may be inferior cover. The final option allows you to select your own dates of travel. The customer merely starts typing their destination into the search parameter, and the website auto completes their destination, becoming more accurate as they continue to type. Saga Travel Insurance provides high quality travel insurance for the over 50's. Saga, which specialises in holidays and cruises, as well as over 50’s travel insurance, has announced a new COVID-19 specific package of travel insurance policy for all trips from June 1 2020. As well as pet insurance, Saga offers a wide range of insurance policies covering health, life, travel, home and car insurance. This is not private medical insurance.”. When we turn to the cover limits, we get to see the true level of cover that SAGA travel insurance offers. With a Saga Travel Insurance policy, cancellation cover starts from the date you take out the policy or book the trip. It is reported to have in excess of 2.7 million customers. Whilst the brand of the travel insurance is SAGA Travel Insurance, the actual cover is provided by Great Lakes Insurance SE, UK branch. As with most travel insurance policies, the single-trip SAGA travel insurance offers the customer a 14-day free-look period, also known as a cooling-off period. Customers who purchased a Saga Travel Insurance policy online between May 2018 and June 2018, on average received a discount of 30%. Saga has announced that treatment abroad for Covid-19 and repatriation to the UK will be included as standard as part of its travel insurance policies for all trips from 1 st June. The tabs across the home page let the user navigate around the site with ease. Having selected single trip, the quote screen has really simple functionality to progress the quote and the steps to complete your purchase and the progress you are making are shown clearly at the top of the page. Head of product, Saga health and travel insurance, Kevin McMullan, said: “Understandably, the current crisis has put travel plans on hold for many people. What’s more, the alternative product from a travel insurance comparison site has a medical limit which is 50% greater than the £10m offered by SAGA Travel Insurance. Saga are a well-known insurance company catering for people over the age of 50. This includes details of our cover for coronavirus (Covid-19), which also applies to annual trip policies purchased on or after 13th March 2020 (or renewed on or after 17th April) for trips departing on or after 1st August: Policies purchased between 4th August and 11th August 2020: Policies with a start date on or before 3rd August 2020: If you have purchased via a price comparison website your cover will be Select travel insurance. House and Contents Insurance Policy House and Contents Insurance Policy - quotation a little less expensive than the previous year for exactly the same cover and all sorted out and paid easily on line. However, where a traveller is heading further afield than the UK and EU, such as a trip to the USA or Canada, then we see the true benefit of the medical cover coming into play. Customers taking out a multi-trip policy are also able to add friends and family of any age to … Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. Sadly, there are still travel restrictions in place for most countries around the world and we do not see this changing in the near future. The SAGA website offered our traveller a choice of just one single-trip product. This means that although the SAGA Travel Insurance doesn’t specifically state it in so many words, they require a customer to have been continuously employed for two years before being able to gain cover for loss of job under a SAGA travel insurance plan. This year, we have all faced unprecedented challenges as a result of the COVID-19 pandemic. As we have seen time and time again when reviewing single travel insurance products offered by airlines, member organisations and travel agents, the price of cover available from a travel insurance comparison website was substantially lower for cover levels that were equal to or higher than that offered by SAGA. 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