Saga Travel Insurance Reviews

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Latest Reviews

“multitrip insurance cancelled after claim - no refund”

★★☆☆☆

written by redlock on 30/01/2024

Having a multi trip policy with them, we were surprised that when we made a claim, they cancelled the remaining 8 months without refund, which is not an industry standard

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“Don't use Saga ”

★☆☆☆☆

written by wised2023sagamug on 14/06/2023

COLLINSON Insurance handle any claims for ASTRENKSA. Cannot be contacted on phone. Do not answer emails. Saga no help. And use no one else Since extra information they asked for sent 24 May. No contact, won't answer phone or confirm recorded delivery letters. Luckily Post office confirmed delivery. Always used Saga travel insurance. But when I needed to claim, found the policy to be useless. Saga no help. Says Collinson short of staff. See reviews on COLLINSON Insurance company BE WARNED as YOU COULD HAVE THE SAME PROBLEMS.

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“Saga what a sham”

★☆☆☆☆

written by Clive748 on 28/03/2023

We booked our annual holiday insurance through Saga. Booked on line all seemed quite simple to do so and cost ok. Unfortunately the night before we were to travel, catch a flight myself and my wife fell ill. It was now 3am and we were leaving 5.30am to travel to airport. well that was not happening as we both were sneezing, coughing and had a temperature and generally felt awful. Later that day I thought i better inform Saga! Well that was a task! filled an online report in which took forever, well felt like when your unwell. finally spoke to a call member who totally agreed we had done the right thing and not travelled. then within an hour received an email back from Saga stating we should have travelled as we did not have any medical advice stating we were unfit to travel!! were in 3 in the morning do you get to see a doctor normal waiting time 4 weeks sorry saga you are a joke.

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“Inflexible”

★☆☆☆☆

written by Bwanabolts on 08/09/2021

Took out single-trip insurance, one-week Sep this year Holiday subsequently deferred 12-months Because this took the holiday date outside the 12-month window of my insurance cover, SAGA would not 'cut and paste' the one-week cover into the new date (LV was happy do do that - twice!) Deferments, a hazard of our times which SAGA has not yet embraced I reluctantly accepted a 75% rebate I asked, what if I booked a holiday today in 2023 and wanted cover now (cancellation)? Told, can't book single-trip insurance now; wait until the holiday date is covered by a 12-month window Or annual, well, book a year (first for 2022, which will cost a fortune and be unused), then another for 2023 to cover the actual holiday! I won't return Plenty of other GOOD insurers out there who know the meaning of flexibility in these difficult times

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“Waste of time”

★☆☆☆☆

written by jfAdkins303 on 23/10/2020

Having been reassured over the telephone that should our trip to France be cut short due to France being placed on the quarantine list, we would be covered because we took the policy out before the pandemic started, we discovered that this was not the case. The response from SAGA was that because the government did not advise holiday makers to come home straight away it was our 'disinclination to stay' and therefore not covered. Both myself and my husband had to return to our jobs otherwise we would not get paid and our girls had to return to school. This was not a choice or a disincliation, we were forced to curtail the holiday due to the quarantine restrictions imposed by the government. The cover was not cheap either.

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“No flexibility for Covid restrictions on travel insurance”

★☆☆☆☆

written by on 24/09/2020

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). 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. Saga were very curt on the phone, gave me short shrift and said they would be making no such concessions and my request for flexibility was denied. On the basis of a goodwill gesture of a 3 month extension to Dec 2020 it would have given me a 'chance' to rebook travel abroad that I had planned over the spring and summer. I would have been wiling to renew my annual multi-trip, worldwide policy for a further year with Saga even if they had not given the extension but if only they had listened to me and shown some sense of valuing me as an existing customer. I also have car insurance with them but as this is a separate company they do not recognise 'multiple loyalty'. Shame on you Saga, alas, they have lost me forever!

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“Do not pay out for claims”

★☆☆☆☆

written by Jada393 on 08/04/2020

They will not pay out for lost luggage as they say • "These items should be kept on your person, or secured in baggage which stays with you at all times (not suitcases to be checked in)" There is no wording in there policy that says they do not cover checked in luggage. This is what copied from there wording Lost, stolen or damaged baggage Up to £5,000 (£600 single article limit and £1,000 total valuables limit) Very disappointed with the outcome. I paid out for travel insurance for over 30 years. this is the first time i have ever had to claim.

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“SAGA - overcharging people that are unable to use the web”

★☆☆☆☆

written by rebeccaW1234 on 04/03/2019

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. She thought it was expensive but thought it was just due to her age, so paid the £300. She then spoke to me, I thought that this was rather extortionate and checked on online price comparison sites, where I could get the same insurance, from SAGA, for around £120. She rang them back (within 2 hours of taking the policy out) and they refused to do anything. Their only defence was that "the policy sold over the phone had £12 million cover rather than the £10 million available online. I have also complained to them and received a very bog standard reply admitting that the £2 million was the only difference in the products From a company specialising in the elderly, this seems very unfair behaviour. She was not renewing an existing policy, and was not given the option of a cheaper policy on the phone (who would pay nearly £200 extra for that extra £2 million cover on top of the £10 million available?!). This seems like a very shady practice on their part, especially given a large proportion of their customers likely do not use the internet for insurance quotes.

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“Misled by Saga Travel Insurance sales personnel”

★☆☆☆☆

written by Usernameplus on 07/07/2017

I had previously bought Annual travel insurance from a different company. Last year our flight to Mallorca was postponed by 24 hours so we missed one night of our hotel reservation, for which we were obliged to pay. T&C's of the insurance company we were with precluded payment for hotel unless trip was abandoned and only covered minor expenses for delays. When renewing this year I decided to check whether other companies covered this eventuality. I contacted Saga at the suggestion of Which? The first sales person told me they covered this but I asked for t&c's to be sent by email to ensure that was correct. Nothing within the email reassured me and I called again some days later to clarify. Again I was told this was covered and I would find the details in policy booklet which would be sent by post. On this basis I bought annual travel insurance at a cost of some £ 300 in excess of that quoted by my previous insurers. I did this on the basis that I assumed that since they were a recommended and much more expensive company and I had been assured they covered eventualities the previous company didn't, then the entire policy conditions would be more favourable. Only when I received the policy booklet some two weeks later did I discover none of this was true. I was mis-sold this policy . However my biggest complaint with Saga is that for he past five months I have been in correspondence with their Customer Complaints Department who are totally unable to grasp the cause of my complaint. Despite apparently having listened to the 'recorded 'phone calls when they must have heard my question and the replies received, they stick to the line that I was not misled and quote totally irrelevant text from the policy regarding holiday abandonment. Their claims Department Cigna confirm my understanding is correct but Saga choose to ignore that. Beware Saga in general and their sales tactics in particular.

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“Joke travel insurance quote”

★☆☆☆☆

written by Bennett65 on 25/04/2017

I wanted to get a comparison for single and multi trip insurance to USA,my aviva insurance £176.21 for multi annual trip,and £100.35 for single trip.my wife has osteoporosis ,which I have declared to both parties. Saga multi trip £360.00 ish ,multi trip £785.00 ish .This is a joke company,it's supposed to benefit 50s plus,try aviva,they are great,I have six policies with them.by the way we are 66 and 67 years old.

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“very disappointing ”

★☆☆☆☆

written by Gavin161 on 24/04/2017

Happy to take my money for years but when I made a claim treated me like a criminal . Eventually paid out after months of delay and heartache . Would never recommend. Total devoid of sympathy and empathy. but would never

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“inconsiderate and unsympathetic”

★☆☆☆☆

written by on 11/04/2017

If I had read some of the reviews on Saga Insurance I wound not touch them with a barge pole. I informed Saga of a medical investigation which I was undergoing and was referred to the Underwriters who told me I should not book any holidays while the investigation was taking place. The medical condition did not put me at risk or prevent me travelling but so as to prevent the invalidation of the policy I felt it's best to inform the insurers as soon as possible. My experience of Saga Underwiters is they showed no sympathy or consideration but some element of arrogance and made me feel as though I was about to drop dead and they would not be willing to provide any cover. I was not given the option that I may not be covered for the condition which was being investigated but that I could be covered for other sections of the policy. During the period of the investigation of the medical condition they had invalidated my Policy and I was again told that I should not book holiday until I had give enough information to update the policy. I was told that my Policy was invalid, though I had paid for an annual premium. I felt I was being penalised for being honest. The staff definitely have a don't care attitude and I fail to see how they can claim to be a good choice Insurer for older people.

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“Couldn't Care Less”

★☆☆☆☆

written by trishpowell on 24/02/2017

My World Wide Policy inc USA limits trips to 45 days. A family problem required me to extend my stay in Australia for a further 19 days. I first requested by email (which takes two days for a reply), which was negative, I then followed up by a phone call. The lady at Saga went through cto the Underwriter with my request who turned it down. I was told to either get on a plane home or stay without Insurance ! I followed this up with another email stating that my stay will remain in Sydney, not travelling,I am I no medication thus Low Risk and I only asked for a 19 day extension. I have also stated that I will not be using them again, owing to their inflexibility. I have found a very helpful Company that insures older people after the start of their holiday , it has been easy , efficient, and relatively inexpensive for cover. The main thing us that I have peace of mind for the extra time that I am here. Saga could not have cared less . The name of this company is itssoeasytotravelinsuranceSagas reviews on their web site are only the good ones !

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“An insurance company that don't pay claims”

★☆☆☆☆

written by Robbsn1990 on 23/02/2017

I made a first ever claim on my travel insurance. Saga have done everything in their trick book to avoid paying my claim. They have used Facebook posts, delay tactics, false deadlines, false terms and conditions. avoid at all cost

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“Crazy price!”

★☆☆☆☆

written by White38 on 23/12/2016

Spent 38 minutes on the phone, eventually getting a quote. The call centre staff member struggled with English and I had to repeat answers several times. She had no concept of phonetics, so they didn't help. I had used Saga for a trip to the same destination (Antigua) in March 16 when they were competitive but this time the quote came back at 3 times the price even though my medical questionnaire was unchanged. The reason given was Brexit and the fall in the GBP?!?

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“Terrible”

★☆☆☆☆

written by Bakergeoff on 03/11/2015

There must be something that can be done about this company. My experience is exactly the same as all these other complaints. I fell ill while on holiday in Corfu and had to be hospitalised. Since getting home I have had to chase and chase to get any response from Saga. They never call back or make any contact. When I have spoken with someone they give me a different excuse every time I call and am just met with arrogance and rudeness. It is obvious that this is just a trick and should be stopped.

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“discriminatory”

★☆☆☆☆

written by buButcher148 on 19/09/2015

Quoted £800.00 + administration fee on top of travel insurance policy fee as had seen a psychiatrist for a previously disclosed depression. I challenged this, not least as I had only 1 month left on policy. Oh sorry said the rep I made a mistake. The extra cost is £200.00 + administration fee!?? Not sure what they think I am going to do that warrants that. I can only assume that saga operate discriminatory practices in relation to those one in four of us who experience mental health problems. I got equivalent cover for £27.00.I am told my saga travel insurance that cost over £250.00 is now invalid as i opted not to pay the price of a holiday, so in essence they charge what they like and hold you to ransom. In essence my psychiatrist told me I was not sick enough to need a psychiatrist but saga see me as a significant risk regardless. A sad world don't you think?

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“The Saga from hell...”

★☆☆☆☆

written by Titch64 on 14/09/2015

My mother purchased Saga insurance for her own peace of mind when going on a weeks family holiday. Due to get declared pre-existing medical conditions it wasn't cheap but she didn't mind thinking it was in good hands. Unfortunately she fell ill 3 days before our departure and was hospitalised in a hospital 45 mins from where we were staying. That is where our saga commences and still continues today. We informed sagas helpline the morning after her hospitalisation - 08/09/15. Unsure as to whether she would be discharged in time for our flight home we asked if they would source alternative accommodation for my sister and I and out family would pick up the cost for the second person. This wasn't posddible as they had not had "confirmation if coversge" and wouldn't pay any costs until they had. We thought this would take a matter of hours to confirm... It took 5 long agonising days for them to "confirm coverage", with them stalling on making a decision at every opportunity. To us it looked as though they were trying to relinquish their responsibility to pay by looking for evidence of non-disclosure but mum had declared everything. The customer service had been non existent with no evidence of compassion or courtesy towards my mum and ourselves. We have had to chase them 2/3 times a day, when they promise to call they don't. They have caused unwarranted distress and stress towards my mum and ourselves. The agents hav day couldn't care less attitude, they give you commitments that they have never kept. 7 long agonising days since get hospitalisation and Wr are still awaiting return flight confirmation. We are hundreds of pounds out of pocket and we are not convinced we will be reimbursed for what we are entitled. I sense a further long and stressful battle once we do get home. Please, please think very carefully before you purchase holiday insurance with saga. If I could have rated it 0 I would have.

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Nadmar's Response to Titch64's Review

Written on: 21/09/2015

This review mirrors my experience, I also had the feeling that they were looking for reasons to help them avoid paying.
When I complained they said that it was a different company who dealt with my claim whilst abroad. Despite me paying SAGA.

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“Terrible Customer Service”

★★☆☆☆

written by on 19/08/2015

Booked travel Insurance for my 88 year old dad to travel to corfu with us this June. he got sick a few weeks before we were due to travel and was unable to go. What a palava trying to get his money back. The first lot of documents came out with the wrong surname on , after going though things on the phone for over 30 minutes giving dates of when he went into hospial dates he was told he was unable to fly, all this and they got all the dates wrong also. Was told to get a letter from the doctor confirming he was unable to fly sent it all off, it came back saying we needed to get a medical report filled out the letter was not acceptable. It has taken 2 month to get to the point that they have now just to get the managers approval to pay his money back. Lost count of how many times I had to ring on his behalf and speak to people over things Saga got wrong on the forms sent to us. If we had known it would be this stressful for us we would never of used Saga wouldnt recommend it to anyone, My advice look at another company to deal with

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“Saga Travel Insurance/ Cigna Insurance/ Dont buy ....”

★☆☆☆☆

written by horsewhisperer555 on 20/07/2015

I wish I had seen these reviews before I bought travel insurance for my 87 mother in law in May before travelling to Kos, going through SAGA as a recognised Company for their dealings with shall we say 'people over a certain age'! I wish I had looked elsewhere. We had to make a claim as she had pneumonia whilst away and they also thought she had had a mini stroke which resulted in CT scan, xrays, hospital and oxygen in her room as well as neurologist in Kos. All in all a very stressful time for all concerned, I was backwards and forwards faxing various reports, and bills to Saga whilst away, contacting their agent in Athens, we had to pay upfront for all charges......then on return? Nothing!!!! I rang and was told that I had to make a claim although I had been in touch with them daily whilst on holiday, had sent them all we had paid for with receipts by fax etc, they had every report that we did, so was expecting that the settlement would certainly be within a few weeks...... We have been returned now for 2 months, I have spent 45 minutes on the phone today after receiving an email which told me that they wanted to settle my claim, to be told that the claim number quoted is actually nothing to do with me, but while I was there would I like to spend about 15 minutes to fill in the claim form???????? 45 mins later!!! Exasperation set in as the young man on the other end of the phone told me the reason that it was taking so much time was that his typing skills weren't up to much! I could hear him painstakingly pushing each individual key whilst he typed in the notes against the case..... Thoroughly unprofessional, although not his fault they should train him! After spending £40.60 on a medical report from our doctors that they requested, we are now told we cannot claim that expense back and that they are now sending out another Certificate that needs to be signed by the GP which will incur yet another charge! Which apparently we can claim back! I wouldn't hold your breath. What a shower! If you have any sense Don't bother with Saga or Cigna or any of their other associated Companies, it really isn't worth giving yourself the grief! I always give positive feedback on Companies that deserve it not just the ones that don't but this time I really cannot stress enough 'Look Elsewhere!'

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