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Review of the Saga, Travel insurance:

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UK travellers beware.

This review relates to travel insurance only. I have car insurance with Saga and the prices and cover is good. I therefore went to get a travel insurance quote for an annual UK only policy. There was no option for U.K. on their website, so I went on to chat. I was told that the only option would be for me to take out a Europe-wide annual policy and that would cover me for the U.K. as well. As a Europe-wide policy would cost at least double a U.K. only one, this is a clear rip off. For a company who deals only with older travellers, there must be many who, for health or financial reasons, are unable to travel abroad but need cover for U.K. only. To make them pay for Europe-wide cover is a very nice little earner for them. Reviewed on: 13th August 2025

Review of the Avanti Travel Insurance, Travel insurance:

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Beware of hidden traps....

....that could leave you with no cover for any of your declared medical conditions. Prior to the medical assessment section is the sentence: “If you .... are awaiting surgery, or are awaiting to be discharged from post-operative checks then please call our specialist team free on 0808 281 3840 to discuss your quote.” What they don’t tell you is that if, during the period of your insurance, you develop a condition which needs surgery, Avanti would, most probably, remove cover, not just for that condition, but for all declared conditions, leaving you with the option of travelling without cover or cancelling your holiday! My husband is waiting for a very simple, non-urgent procedure akin to freezing and scraping off a mole. I ticked that he was awaiting “surgery”, no warning flashed up that they would not provide cover. I was then provided with a quote and invited to “buy now.” No warning anywhere, so it was reasonable to assume that he would be covered. Fortunately I had a few questions about so telephoned. In the ensuing conversation about another issue, the agent just happened to mention that anyone on a waiting list would not be covered for any of their declared medical conditions! Other companies make clear if they will not provide cover for anyone on a waiting list. The rep. told me there are some ops that are exceptions, but he wouldn’t give me examples, and if something as simple as the mole removal procedure doesn’t pass muster, then I can’t imagine what would. I shudder to think that I could so easily have clicked to buy, and only found out he was not covered for any condition if/when we were away and needed medical assistance! So right up the creek without a paddle! Appalling attitude lacking total honesty. Reviewed on: 6th October 2019

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