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James Ripley

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Review of the Saga, Travel insurance:

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Cancelled my policy due to having a chest infection.

I took out a Saga travel insurance policy expecting the premium service and peace of mind they promise to older travellers. Unfortunately, my experience has been highly disappointing. The Issue: My policy was an annual policy covering worldwide travel. I had informed them of a diagnosis of a benign tumour that didn’t require surgery to keep me alive, but I elected to have to allow me to continue cycling for leisure. The surgery was done in January and I was given the results confirming the diagnosis in April. In May I was diagnosed with a chest infection but I planned to fly to Italy on holiday so spoke to my GP who said I was fit to fly as my symptoms were mild with no fever. I rang Saga to inform them of this and they said my policy was being cancelled with immediate effect. When I asked them for the reason behind their decision I was told it was due to having two conditions within the last 12 months, which breached their criteria for cover. The Service: When I phoned them to renew my policy last December I told them about my investigations of a “lump” which was probably just a benign cyst and I was phoned back by the policy underwriters who interviewed me for 30 minutes about this and then informed they would not cover me for any travel until my diagnosis was confirmed and all treatment had been completed. Conclusion: I chose Saga because they advertise themselves as specialists for over-50s, but when I actually needed the protection I paid for, they let me down. I would not recommend this policy to others and will not be using them or recommending them ever again. I was able to get travel insurance with another company a lot cheaper on-line without any of the hassle that Saga gave me. Reviewed on: 5th June 2026

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