saga travel insurance and cancer

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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04 Feb Travel Insurance for Cancer Patients: What Does it Cover, and How Does it Work?

Planning an upcoming trip you might want to double-check your travel insurance coverage before you hit the road..

Recently in a story by the LA Times , Kathy Mutchler described her experience with the travel insurance company the Good Sam Club. Kathy pays $89.99 annually for the TravelAssist program, which says it covers medical evacuations if suitable care isn’t available locally. Kathy assumed that when she needed to be airlifted out of a Mammoth Lakes RV park after being diagnosed with a severe kidney infection, she was covered. Imagine her surprise when she received a $71,000 air ambulance bill, and a notice from Good Sam that her medical evacuation was not covered by their insurance. While many travel insurance policies allow policy- holders to bypass prior approval in emergencies, Kathy’s plan didn’t include this language. Since she didn’t get prior approval for her air ambulance (while she was barely able to stand due to her kidney infection), Kathy’s evacuation wasn’t covered by Good Sam.

Luckily for Kathy, her primary insurer Blue Cross did cover her medical evacuation. Kathy avoided that bill, but do you know what your travel insurance covers? If you or your loved one is dealing with a cancer diagnosis, leveraging this coverage can make traveling more affordable and secure, but should be used carefully. Whether you’re a policy-holder or in the market for travel insurance, read on to learn more about how these policies work.

What is travel insurance?

Travel-related insurance covers financial, medical, or other unforeseen expenses you run into while traveling. You can usually buy insurance when you book a trip to last for the duration of the tip. Some policies, like Kathy’s, are tailored for people looking for more long-term plans. You can purchase travel insurance from travel agents, travel insurance companies, or travel suppliers like cruise lines.

What does travel insurance cover?

Benefits vary widely by plan and insurance company, but travel insurance policies often cover:

• Travel Delay
• Trip Cancellation
• Loss, theft, or damage to personal possessions
• Medical & Dental expenses
• Emergency evacuation
• Oversees funeral expenses
• Accidental death, injury, or disablement
• Legal assistance
• Death of an immediate family member
• Personal liability and rental car damage

Your cancer diagnosis may be considered a pre-existing condition. Most travel insurance policies treat a cancer diagnosis as a pre-existing condition, which is often defined as an injury, illness, or medical condition, that within 120 days before you purchase your policy:

• Caused you to seek medical examination, diagnosis, care, or treatment from a doctor
• Presented symptoms; or
• Required you to take medication prescribed by a doctor (unless that condition or symptom is controlled by the medication prescribed)

You can likely apply for a waiver which allows you to be covered for losses caused by your cancer diagnosis or treatment, usually called a Pre-Existing Medical Condition Exclusion Waiver , if your diagnosis fits this definition. Insurance policies and waivers vary by insurer, but benefits often include:

• Reimbursing pre-paid, nonrefundable expenses if you have to cancel your trip because your illness worsens or requires additional treatment.
• Reimbursing pre-paid, nonrefundable expenses if you have to end your trip early due to an illness worsening.
• Reimburse you for emergency medical care if you suffer a cancer-related medical emergency while traveling.

There are often limits to this coverage. Travel insurance is designed to cover unforeseen costs, so, for example, if you wait until you suffer an injury while oversees, you likely won’t find medical coverage. These policies tend to cover specific situations, events, or losses, so it’s important to read your policy carefully. Some travel insurance policies don’t cover individuals with pre-existing conditions (which could include a cancer diagnosis), or people over 70 years old.

How does travel insurance work?

Most of the time, travel insurance reimburses you for covered costs after you file a claim and that claim is approved. Claim processes vary by company, but you’ll have to provide proof of your covered loss or expense. While waiting for reimbursement, you will likely have to pay to accommodate your unexpected travel delay or medical expense. In some situations, (unfortunately not Kathy’s), travel insurance companies pay emergency medical expenses up front.

Tips for Buying and Using Travel Insurance

• Buy early: The earlier to buy travel insurance, the longer you’re covered if your trip is delayed, cancelled, or disrupted before you leave. Usually, the best time to buy travel insurance is right after you’ve made your travel arrangements. Some policies require you to purchase insurance within a certain window (often 14 days) after making travel plans to qualify for special benefits, like coverage for pre-existing conditions.
• Read your plan carefully: As Kathy’s story shows, it pays to know exactly what situations your plan covers. Do you need pre-approval for medical services or hotel accommodations? Receipts of purchases for claims to be filed once you get home? Read your plan carefully before you start your trip to avoid unexpected bills.
• Call your insurance company when you need help: Many insurance companies have 24-hour hotlines for policy holders, so give your insurance company a call if you’re faced with an unexpected expense and are unsure about coverage. Representatives can explain your benefits and help you deal with your unexpected costs.

Make sure to research your plan carefully before purchasing— without her Blue Cross coverage, Kathy’s RV trip would have cost her $71,000.

For more information about health insurance coverage, visit https://TriageCancer.org/HealthInsurance .

Similar Posts You May Like To Read:

• Dangers of Fixed Indemnity Plans: But Not in the Eyes of the Court
• Are High Risk Pools & Major Risk Insurances Plans Extinct?
• Do you have a Pre-Existing Condition? Do you know if you are Protected?
• Is Short-Term Insurance the Solution?
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An Overview of Flying With Cancer

Air travel with cancer.

• Medications and Devices
• Getting Around
• Reducing Blood Clots
• Oxygen Needs

Air Pressure Changes

Infection concerns, cancer fatigue, travel insurance.

Flying on commercial airlines is usually very safe for people with cancer who are stable, reasonably healed from any surgeries, and do not have a very low white blood cell count or platelet level due to chemotherapy . That said, it's important for anyone with cancer to talk to an oncologist before scheduling any air travel to discuss potential concerns about oxygen levels or pressure changes during flight, or the need for preventive measures against blood clots. Here we will look at these concerns, common questions people have about medications or medical devices while flying, and general measures that can help you prepare for seamless travel.

Flying with cancer can sometimes have significant benefits. In some cases, people may need to fly to the cancer center where they will be treated. But pleasure trips are encouraged by many oncologists as a great way to cope with the rigors of treatment and to reconnect with family and/or friends outside of the clinic or hospital setting.

Many people wonder about the best time to travel during treatment, and the answer will be different for everyone.

Air travel should be avoided if at all possible for at least two weeks after surgery for a number of reasons (and much longer in some situations such as after brain surgery). In general, any incisions should be well healed and any drains removed.

With chemotherapy, the best time to fly will depend on the particular chemotherapy regimen you are on, as well as other factors such as side effects you are experiencing and more. With some protocols, the chemotherapy nadir (when blood counts are at their lowest) occurs around 10 days to 14 days after an infusion, and an oncologist may recommend travel either earlier or later for this reason. A low white blood cell count can increase infection risk, a low red blood cell count (anemia) can make you more tired, and a low platelet count (thrombocytopenia) can increase the risk of bleeding. With high dose chemotherapy, such as with some leukemias, air travel may be discouraged throughout the duration of treatment.

General Information

The Air Carrier Access Act of 1986 prohibits discrimination on domestic flights in the United States on the basis of disability. While there are some "horror stories" that spread through the news regarding transportation security administration (TSA) agents and "pat downs," TSA agents should typically be ready to assist those with disabilities due to cancer with courtesy and respect. TSA recommends calling their helpline 72 hours before travel to discuss the screening process.

• You may call TSA Cares at 1-855-787-2227 for information on what to expect at the security checkpoint.
• You may also request a passenger support specialist. These TSA specialists are trained in assisting people with disabilities of all kinds.

Medications and Medical Devices

Many people with cancer will need to travel with medications or medical devices. In addition to making sure that you have an adequate supply of medications (with at least a few extra days worth in case of delays or changes due to weather), there are several other things you should consider.

Oral Medications

Carry all medications on board in a carry-on rather than checking them with your luggage. This includes any medications you use for side effects such as anti-nausea drugs or pain medications. Keep all medications in their original containers. Though it's recommended that you bring enough medications for your entire trip plus unexpected delays, many insurance companies have a limit on the number of pills you will be prescribed at one time. If this is an issue, talk with the pharmacist responsible for prescribing your medications.

Medications that cannot go through the X-ray machine are allowed, but you will need to talk to the TSA agent and this may require a pat down.

If you have medications in liquid form, containers containing more than 3 ounces are allowed but you will need to remove the medication from your bag and mention it to the TSA agent before going through security.

Medications and Travel Outside the U.S.

Keep in mind that drug approval varies among countries and that your particular medication may not be available where you are traveling.

It's also very important to make sure that your medication is legal in the countries you are visiting.

For example, drugs containing pseudoephedrine (such as Sudafed) are illegal in Japan. Amphetamines such as Adderall are illegal in Japan and Saudi Arabia. Narcotics may be illegal or restricted, for example, codeine is illegal in Greece and Hong Kong. Some countries (such as Costa Rica) require that you have a healthcare provider's note describing the medications and only bring enough for your stay. When traveling overseas, make sure to check out the laws, as exceptions are not made, even for people with cancer.

Traveling With Syringes 

If needed for a medical condition, you may carry syringes and injectable medications on board the plane.  It’s advisable to carry a healthcare provider's letter indicating the necessity of carrying these medications since some checkpoints may require a healthcare provider's recommendation (on letterhead stationery).

Medical Marijuana/CBD Oil

Though marijuana is now legal in many states, it is still illegal under TSA law (and federal law) even with a healthcare provider's note, and could be risky. This is true for CBD oil as well. While the TSA does not search for marijuana, if detected they defer to local law enforcement. People with cancer should not travel with medical marijuana outside of the United States.

Chemotherapy Ports/PIC Lines/Ostomy Ports

If you have a port, ostomy, or other medical device, you will need to tell the TSA agent before going through screening. In some cases, a pat down may be required.  

Head Coverings

Most of the time you will be allowed to wear a wig, scarf, or other head covering as you go through security as these are considered medical items, but may be subject to a pat down. You can request a private screening if you would like.

Breast Prostheses

Breast prostheses do not need to be removed, though you will need to tell the TSA agent before screening and rarely a pat down will be required.

Getting Around in the Airport and Boarding

Most airports provide transportation services beyond the security checkpoint. Check with the airports you will be visiting to see what services are available.

Advance Seating

Airlines usually announce advance seating for people with disabilities along with first class passengers. If you need assistance with boarding, this option may be helpful. That said, if you are able to move around it may be a good idea to instead move around and board towards the end of boarding, especially if you have a long flight. Prolonged sitting raises the risk of developing blood clots.

Reducing the Risk of Blood Clots

Air travel as well as cancer itself raise the risk of blood clots (deep vein thrombosis and pulmonary embolism) and the risk is higher when the two are combined. Cancer treatments such as surgery and chemotherapy increase the risks further . Thankfully, many of these clots can be prevented by taking a few precautionary measures:

• Get up and walk around often—at least one time per hour
• Exercise your legs while sitting. On overseas flights, it's now common for passengers to be shown a video on leg exercises which may reduce the risk of clots when performed in flight. You can exercise your legs by tightening and then releasing your calf muscles or turning your foot in a circle. You can also exercise your legs by lifting your heel repeatedly with your toes on the floor, then lifting your toes several times with your heels on the floor.
• Choose an aisle seat when possible
• Avoid drinking alcohol as it can lead to dehydration and makes platelets (the factors in the blood that cause clotting) stickier.
• Avoid crossing your legs
• Ask a healthcare provider about the use of compression stockings
• Talk to a healthcare provider about other measures if you are at a high risk of developing blood clots. They may recommend taking aspirin or a one-time injection of low molecular weight heparin.

If you've had blood clots in the past, it's crucial to talk to a healthcare provider about whether you should fly, and if so, what other measures you should take.

Oxygen Needs at Increased Altitudes

Flying results in a statistically significant decrease in oxygen saturation in the blood.

Even though cabins are pressurized on commercial flights, oxygen levels are similar to being at an elevation of 5,000 to 8,000 feet.

Oxygen levels may be lower than this on small planes. For those who are healthy, the body accommodates to this lower oxygen saturation quite well. But for those who have compromised lung function due to respiratory ailments, COPD , lung cancer , or lung metastases from other cancers , this can pose a problem.

If you suffer from a respiratory condition you may require supplemental oxygen for flying even if you do not require oxygen on the ground. Talk to a healthcare provider before flying. They may be able to make recommendations or offer tests to determine if you will require oxygen in flight. While commercial airliners carry oxygen, this is reserved for emergencies.

Estimating Your Need for Oxygen When Flying

For people who have COPD and cancer, or who aren't certain whether oxygen may be required, a healthcare provider may be able to make a prediction based on specific tests. Researchers have developed a pre-flight algorithm  that can be used to predict whether or not you may need in-flight oxygen. Since it's been found that people with respiratory disease tend to underestimate their potential need for oxygen when flying, this is a helpful approach for making the decision more objective.

Traveling With Oxygen

Some airlines—but not all—allow portable oxygen to be carried on board the aircraft. According to TSA, if you are able to disconnect from oxygen it's recommended that you check your oxygen as checked baggage.

While checking your oxygen is the ideal method of transport, if you require oxygen when on the ground it's likely that you will require oxygen to an even a greater degree while flying.

If you plan on using portable oxygen in flight it's important to call the airline ahead of time to understand any restrictions. It's also necessary to check with the manufacturer of your oxygen concentrator to see if it is approved for flying.

Delta airlines does allow approved portable oxygen containers with advance notification (but not devices that contain liquid oxygen). A POC approval form must be received by the airline at least 48 hours prior to flying, and if approved will need to be carried with you when you fly. Several other restrictions also apply. The FAA requires that the battery time is 150% of your cumulative flight times. If you need to rent oxygen, OxygenToGo personnel can help you with this process, but you will need to plan well ahead of your flight.

As airlines differ in their regulations, it is important to check with your airline before flying, leave plenty of time to purchase or rent an approved oxygen device if needed and to receive a healthcare provider’s statement that you require in-flight oxygen.

Just as scuba divers may experience problems due to air pressure under water, changes in air pressure as a result of the increased elevation in flight can potentially cause problems for some people.

It's estimated that gasses in body cavities can expand up to 30% with flying on a commercial airline.  

For this reason, healthcare providers recommend not flying for a period of time after certain procedures. For example, it's advisable not to fly for 10 days after a colonoscopy, for two weeks to four weeks after chest surgery, and up to six weeks after brain surgery.

After surgery in general, a wait time—usually around 2 weeks—is recommended as the pressure created by changes in altitude could result in incisions breaking open.

Talk with a healthcare provider if you have a brain tumor or brain metastases as air travel could create brain swelling. Most people with brain tumors can travel by air safely, though symptoms may worsen. In some cases, oncologists may recommend steroids or anti-seizure drugs prior to flying.

Changes in air pressure can also cause swelling in the hands and feet. People with lymphedema , such as after breast cancer surgery, should talk to their healthcare providers before flying as to recommendations. Overall, wearing loose-fitting clothing and staying well hydrated is important in minimizing discomfort at an increased altitude.

Air travel significantly increases the risk of contracting a respiratory infection ranging from the flu, to SARS, to dengue fever aboard aircraft has been noted.   A 2018 study quantified this risk to a degree, at least for infections spread by respiratory droplets that are propelled short distances.   The relative risk of contracting an infection is roughly 80% for people seated within one row (a row in front or row behind) or within two seats on each side of a passenger who is ill with a cold or flu virus. This risk drops to less than 3% for those further away. The risk can also vary depending on movement up or down the aisle, with the greatest risk conferred by ill flight attendants.

Fortunately, the absolute risk is much lower (about one passenger infected for each ill passenger that boards the plane) and there are some things you can do to avoid exposure. Carrying hand sanitizer is one (of course, less than three ounces) that can be used to wipe down the tray table, seatbelt buckle, and bathroom doors. If you note someone coughing or sneezing, you could also let the flight attendant know that you are a cancer passenger and have him or her ask if anyone is willing to trade seats with you. Wearing a mask is also an option.

Flying During Chemotherapy (Between Chemotherapy Infusions)

If your white blood cell count is low due to chemotherapy  or your cancer itself, talk to a healthcare provider about whether or not you should wear a mask. Also, ask them for recommendations about the right mask since some may offer more protection against germs than others.  Chemotherapy-induced neutropenia a low level of the type of white blood cells called neutrophils that fight infections) can be a challenge when traveling in many ways.

There are many "hidden" risks of infection when you leave home, and it's helpful to learn about ways to prevent infections if possible whether traveling by air or not.

Vaccinations

Vaccinations may be required for travel to certain regions of the world. Live vaccines, such as the MMR, yellow fever vaccine, and oral typhoid can be dangerous for those who are immunocompromised. In contrast, some immunizations may be recommended, such as the injectable flu vaccine. It's important to note that even if immunizations are considered okay, they may be less effective or ineffective for people undergoing treatment for cancer.  

When you think about your upcoming trip you may picture yourself traveling as you did before cancer. Yet  cancer fatigue , whether it is the fatigue the majority of people experience during treatment ​or that annoying fatigue that persists long after treatment is done, may leave you exhausted unless you plan for extra rest during your journey. You may find it helpful to write down the activities you wish to take part in at your destination, and then prioritize them as:

• Something you really want to do
• Something you would like to do if you have time
• Something that is optional

If you list out your planned activities in this way you will be more likely to participate in the activities you most wish to do, and will hopefully feel less guilty when you need to take a day or two and just rest.

Many airlines, as well as companies such as Expedia and Travelocity, offer travel insurance when you purchase your airline tickets. This is often a small price to pay relative to the cost of your ticket, but the coverage can vary. Some cover only the cost of your ticket, and documentation by a healthcare provider of a medical reason for the change or cancellation may be required. Others offer services in addition to reimbursing your ticket cost, such as emergency medical care at your destination. Make sure to read the fine print.

A Word From Verywell

Once you've thought through the physical issues related to flying, you may have concerns about the financial issues. If you are traveling by air for treatment, you may be able to get some assistance. Several organizations provide  free air travel for those with cancer who need to travel for medical treatment.

Remember that flying is only one part of your journey. Take the time to think through lodging, transportation, and other issues ahead of time so you are prepared to enjoy your time away.

Moore DC. Drug-induced neutropenia: a focus on rituximab-induced late-onset neutropenia .  P T . 2016;41(12):765-768.

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Transportation Security Administration. Medical marijuana .

Stoller JK. Patient education: Supplemental oxygen on commercial airlines (Beyond the Basics) .  UpToDate .

Edvardsen A, Akerø A, Christensen CC, Ryg M, Skjønsberg OH. Air travel and chronic obstructive pulmonary disease: a new algorithm for pre-flight evaluation . Thorax . 2012;67(11):964-9. doi:10.1136/thoraxjnl-2012-201855

OxygenToGo. Delta air lines process .

Delta. POC approval and battery approval request .

Bagshaw M, Illig P. The aircraft cabin environment .  Travel Medicine . 2019;429-436. doi:10.1016/B978-0-323-54696-6.00047-1

Perdue C, Noble S. Foreign travel for advanced cancer patients: a guide for healthcare professionals .  Postgrad Med J . 2007;83(981):437-444. doi:10.1136/pgmj.2006.054593

Phillips M, Saria M, Eisenberg A, Kelly DF, Barkhoudarian G. Safety of commercial airflight in patients with brain tumors: a case series . J Neurooncol . 2018;139(3):617-623. doi:10.1007/s11060-018-2905-6

Breastcancer.org. Lymphedema .

Mangili A, Gendreau MA. Transmission of infectious diseases during commercial air travel .  The Lancet . 2005;365(9463):989-996. doi:10.1016/s0140-6736(05)71089-8

Hertzberg VS, Weiss H, Elon L, Si W, Norris SL. Behaviors, movements, and transmission of droplet-mediated respiratory diseases during transcontinental airline flights . Proc Natl Acad Sci USA . 2018;115(14):3623-3627. doi:10.1073/pnas.1711611115

Lustberg MB. Management of neutropenia in cancer patients . Clin Adv Hematol Oncol . 2012;10(12):825-6. 

Ariza-heredia EJ, Chemaly RF. Practical review of immunizations in adult patients with cancer . Hum Vaccin Immunother . 2015;11(11):2606-14. doi:10.1080/21645515.2015.1062189

Josephs L, et al. Managing patients with stable respiratory disease planning air travel: A primary care summary of the British Thoracic Society recommendations . Prim Care Respir J . 2013;22(2):234-8. doi:10.4104/pcrj.2013.00046

Thibeault C, Evans A. AsMA medical guidelines for air travel: Airline special services . Aerosp Med Hum Perf . 2015;86(7):657-8. doi:10.3357/AMHP.4224.2015

Transportation Security Administration. TSA Travel Tips - traveling with medications .

By Lynne Eldridge, MD  Lynne Eldrige, MD, is a lung cancer physician, patient advocate, and award-winning author of "Avoiding Cancer One Day at a Time."

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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A Guide to Travel Insurance for Cancer Patients

When you have cancer, what can travel insurance cover?

The benefits you receive depends on the type of plan you buy. You can see all available travel insurance plans here , or get a quote to easily compare plans and pricing. That being said, here are some of the situations in which travel insurance can protect cancer patients.

• You have to cancel your trip because of your cancer diagnosis. Trip cancellation benefits can reimburse you for pre-paid, nonrefundable travel expenses if you must cancel your trip for a covered reason. One common covered reason is when you or your travel companion suffer an illness, injury, or medical condition that’s disabling enough to make a reasonable person cancel their trip. Remember that a doctor must advise you (or your traveling companion) to cancel your trip before you cancel it — or, if that’s impossible, within 72 hours of the decision to cancel.
• You have to cut your trip short because your illness gets worse. If you’re already on your trip, and you become too ill to travel, trip interruption benefits can reimburse you for your unused, pre-paid and nonrefundable travel expenses. This benefit can also pay reasonable transportation expenses to continue your trip or return home. It can even pay additional accommodation and transportation expenses (up to the stated limit) if the interruption forces you to remain at your destination for longer than you’d planned.
• You suffer an unexpected medical emergency while traveling. Emergency medical/dental benefits can reimburse you for the cost of emergency medical care you receive while traveling for a sudden, unexpected illness, injury, or medical condition that could cause serious harm if it is not treated. The key words here are sudden and unexpected . Travel insurance can’t cover your medical emergency if it’s an expected complication of your cancer diagnosis or treatment.

Also, please understand that travel insurance can’t pay for planned medical expenses if you travel overseas to obtain treatment for cancer (or any other condition). Travel insurance will not pay for any non-emergency care, elective care, long-term care or experimental treatments, among other exclusions listed in your policy.

How can travel insurance help if a family member is diagnosed with cancer?

What if someone in your family is diagnosed with cancer right before you’re about to leave on a week-long vacation? There’s no way you’re going to leave their side — but your resort’s cancellation policy says clearly that no refunds will be given.

In situations like this, travel insurance can help. If a family member who’s not traveling with you develops an illness, injury, or medical condition that’s considered life-threatening or requires hospitalization, that can be a covered reason for trip cancellation. The same is true for trip interruption — if you’re already on your trip when a family member becomes seriously ill, then trip interruption benefits can pay for your transportation home, as well as reimbursing you for unused trip costs.

Read more: How Travel Insurance Covers Family Members

What if you’re diagnosed with cancer after you purchase travel insurance?

Let’s say you book a Mediterranean cruise for yourself and your spouse to celebrate your 25th wedding anniversary. You also purchase travel insurance to protect the trip. Six months later, a routine mammogram detects a lump in your breast, and you’re diagnosed with stage-2 breast cancer. You must undergo surgery and radiation, which means you won’t be able to go on your long-awaited cruise.

Travel insurance with trip cancellation benefits can be invaluable in situations like this, when you’re facing a cancer diagnosis. If your symptoms (or the side effects of treatment) are disabling enough to make you cancel your trip, and if your doctor advises you to cancel it, then trip cancellation benefits can reimburse you for your prepaid, non-refundable trip expenses. That way, you can reschedule the cruise for after you’ve recovered — and the sea breezes will be even sweeter.

Related Articles

• Travel Emergency Medical Insurance Explained
• Travel Insurance with Emergency Medical Benefits
• Travel Insurance 101: Covered Illnesses

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Getting travel insurance

Travel insurance is very important for people who have or have had cancer. 

You have travel insurance to help you get compensation for anything that might go wrong with your travel. This usually means anything from having to cancel your trip, to losing your suitcases. But the most important part is the medical expenses cover.

Suppose you’re going to a country with high medical costs and you need to be flown back in an emergency. Without medical expense cover, the cost to you could be huge.

On this page we look at:

Why is it so hard to get travel insurance?

Travel insurance for people with cancer.

Travel insurance if you have had cancer

Destinations and costs

Finding insurance

Healthcare abroad

Tips on what you need to know

Getting travel insurance when you have or have had cancer can be difficult.  

Insurance companies only make money from people who don't claim. Because you’ve been ill, they think you’re more likely to claim. For example, you might need to cancel your trip or have medical treatment abroad. This makes you a bigger risk to the company, and they can refuse to give you travel insurance.

But finding travel insurance is getting easier. Many insurance companies now look at individual cases rather than refusing everyone who has had cancer.

Some travel insurance companies will give you medical cover if you have a doctor’s letter saying you’re fit enough to travel. But other companies might only insure you for treatment that isn't to do with your cancer. 

So although you'll have travel insurance, it won't cover any treatment you might need because of your cancer. You'll have to pay for that yourself. 

Travel insurance that covers cancer related treatment

For emergency medical problems relating to your cancer while you’re travelling, you'll need an insurance policy that covers you for this. So you must tell the insurance company about the cancer when you apply for cover.

Whether you can get insurance, and how much it costs, will depend on your cancer type.

When you apply for travel insurance, be prepared for questions about:

• your cancer type
• how big your cancer is or was at diagnosis and whether it had spread (stage)
• the grade of your cancer
• the treatment you are having or have had
• your outlook (prognosis)
• follow up care you are having

It’s best if you have these details before you apply. Ask your doctor or specialist nurse if you're unsure about anything. They can answer your questions.

Some insurance companies specialise in policies for people with pre existing medical conditions. This includes cancer. It's worth shopping around. Try insurance brokers as well as travel insurance companies. 

Travel insurance for people who have had cancer

Many travel insurance companies will give you medical cover if you have a doctor’s certificate saying you no longer have cancer and are fit enough to travel. 

Some companies won’t offer you insurance until you’ve been cancer free for some months or even years. Be prepared for the cost to be higher if you finished treatment recently. Prices generally go down the longer you’re cancer free. 

You need to be able to claim for emergency medical care abroad. This includes treatment related to your previous cancer.

To be covered for this, you need a policy that says the insurance company will pay for emergency medical problems that are related to your cancer. Again, you must tell the insurance company your full medical history when you apply for cover. They must pay according to the policy if they agreed to cover you.

The policies of travel insurance companies vary a lot. Some offer more suitable cover than others. Be sure to shop around and check your policy carefully.

Whether you have had cancer or not, travel insurance costs vary depending on where you want to go.

The UK has mutual agreements with some countries that are not in the European Economic Area (EEA). So they may provide medical care at a lower cost or in some cases free. The NHS website has a list of these countries. It also explains briefly what:

• you’ll need to pay
• documents you need
• Find out more at the NHS website

Medical costs in the USA are very high. So it’s hard to get cover if you’re planning a holiday there.

You may not be able to get insurance for the USA if you have incurable cancer, particularly cancer that has spread. So you may need to rethink your holiday plans.

Finding travel insurance

There are different ways to look for travel insurance including:

• contacting an insurance broker
• comparison websites
• contact the money advice service

Insurance brokers An insurance broker can try to arrange a policy for you. Or they can give you a list of insurance companies with special policies for people with cancer or other medical conditions. 

Brokers make a service charge. So it’s always best to make an informal approach to a few brokers before you make a decision. Make sure you feel happy that they know what's available for people with cancer.

The British Insurance Brokers Association (BIBA) can suggest brokers. They can look for travel insurance policies for people with cancer.

• The British Insurance Brokers Association (BIBA) website

Comparison websites Other ways to look for policies would be to use comparison websites such as:

• Money Super Market
• Confused.com
• Compare the Market

Money Advice Service

Another way is to contact the Money Advice Service. They can direct you to specialist travel insurance firms that cover serious medical conditions. 

• Go to Money Advice Service

Information the travel insurance companies and brokers might want to know

Being ready with answers to questions the companies might ask will help when you contact them. They will ask about your cancer and about your holiday. 

Questions about your cancer might include:

• when you were diagnosed
• what type of cancer it is
• how advanced it is and whether it is terminal
• what treatment you have had or are having, or if you are due to start treatment
• any medicines you are taking
• any appointments you have with your GP or specialist
• symptoms you have

Questions about your holiday:

• where you want to go
• how long for
• who will be travelling with you

Questions you might want to ask include:

• How much does the insurance cover you for?
• What is the excess? Does it vary depending on what you are claiming for, for example a medical claim or lost luggage
• Are you and whoever you are travelling with covered if you cancel?
• Is there anything it doesn’t cover?
• Depending on the situation some people might want to know if it would cover them if they died and their family wanted to get them home to bury them
• How much is the travel insurance policy?

Healthcare in Europe

The UK has now left the European Union (EU). This means there are changes to the healthcare agreements between the UK and EU countries.

To be able to receive state provided healthcare when visiting an EU country . You should hold either a: 

• UK European Health Insurance Card (EHIC)
• UK Global Health Insurance Card (GHIC)

These cards mean you can get necessary healthcare free or at a reduced cost in the EU country you are visiting. This is healthcare that cannot wait until you get home. It means you’ll have the same care as a citizen of the country you’re visiting. Remember, the cards might not cover everything you'd get in the NHS. This is because each healthcare system is different.

Ask where you are being referred to. Sometimes people are sent to a private practice or hospital. If this happens, you may not be covered for the costs of care unless you have travel medical insurance. If you have insurance, check the terms and conditions of the policy before agreeing to any treatment.

If you still hold a valid EHIC card you can use this until it expires. You will then need to apply for a UK GHIC. The EHIC will still be around but will only apply to some UK residents and is now replaced with the new UK EHIC card. To see if you should apply for a new UK EHIC card find out more on the NHS website.

• Visit the NHS website for information about the new UK EHIC card

The guide below gives you information on the different healthcare arrangements and systems in countries abroad.

• Guide to healthcare in countries abroad

The UK EHIC and UK GHIC doesn't cover the cost of any medical treatment that you planned in advance, only for unexpected needs. But if you need continued treatment for an ongoing illness while you're abroad, such as regular injections, the UK EHIC or UK GHIC covers this.

The UK EHIC or UK GHIC doesn’t always cover the full cost of treatment. For instance, it won’t cover the cost of getting you home in an emergency. So it’s important to have the right travel insurance even when travelling in the EU.

You still need a UK EHIC or UK GHIC because your insurance company might not cover the cost of treatment that the card covers. If you try to claim in full, they might say you should have had the UK EHIC or UK GHIC. 

It does not cover you if you are on a cruise. And it doesn’t cover the cost of flying you home.

Visiting Ireland

If you're a resident in the UK, you can get healthcare that cannot wait until you get home (necessary healthcare) from state healthcare services in Ireland during your visit. This includes medically necessary treatment for a pre-existing or chronic condition. Some treatments will need to be pre-arranged with the relevant healthcare provider in Ireland, for example chemotherapy. But you will still need travel insurance.

• Guidance on how to get healthcare when visiting Ireland

Europe beyond the EU:

Some countries within the European region do not accept the UK EHIC or UK GHIC, these are:

• the Channel Islands, including Guernsey, Alderney and Sark
• the Isle of Man
• the Vatican
• Guidance for Norway, Iceland, Liechtenstein and Switzerland.

The UK has an agreement with a number of non-EU countries so that people from the UK can receive urgent care. Usually, only immediate medical treatment is free of charge. This includes places such as:

• Bosnia and Herzegovina
• Faroe Islands
• Isle of Man
• Bosnia and Herzegovina, Faroe Islands, Isle of Man and Jersey

Medical care on cruise ships is quite expensive. You should have travel insurance to cover any medical care costs. If you require additional medical care that cannot be provided on board the ship, you will be transferred to medical facilities on land. What you are covered for depends on the country the cruise ship drops you in. So, it is not a good idea to rely on the UK EHIC or UK GHIC. You need medical care cover for anywhere that the ship could stop in. This includes unscheduled stops.

• Apply for the new UK-issued EHIC or UK GHIC online

Tips on what you need to know before you look for insurance

• Many insurance companies have exclusions on their policies for people who have medical conditions such as cancer.
• If you had cancer in the past, you still need to tell the insurance company about it. You must declare all existing and pre existing conditions. Otherwise the insurance company might say you misinformed them and may not pay out.
• Regular high street travel insurance companies will not cover you if you have a terminal illness or if you aren't fit to travel.
• Get a letter from your doctor saying that you are fit to travel, even if you haven’t had any treatment for some time. It’s always best to get advice from your doctor before going abroad.
• You’ll need an updated doctor’s certificate every time you travel if you have an annual or multi trip policy.
• Start by making informal enquiries. Some companies might ask if you’ve been refused insurance before. If you’ve only made informal enquiries, this won’t affect any applications you make.
• As a condition of covering you, some insurance companies insist that you also get their travel insurance for everyone travelling with you.
• Always check a policy carefully. Make sure it covers everything you might need. Such as getting you home if you become unwell whilst abroad.
• Check the cost of insurance (premium) as well as the excess and whether there is a separate excess for everyone travelling.

Related links

Travelling abroad.

Travelling abroad when you have cancer might not affect where or how you travel. But sometimes you could have a few extra things to think about.

Coping practically

Get information on coping with practical matters such as money and travel, as well as treatment for overseas visitors.

Travel tips

Plan a safe and pleasant journey with these travel tips for people who have cancer, are having treatment, or are recovering from treatment.

Travelling with cancer main page

Travelling when you have cancer or treatment might need some extra planning. Find out how cancer can affect travelling in the UK and abroad and get plenty of tips to make it easier.

It’s a worrying time for many people and we want to be there for you whenever - and wherever - you need us. Cancer Chat is our fully moderated forum where you can talk to others affected by cancer, share experiences, and get support. Cancer Chat is free to join and available 24 hours a day.

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Saga travel insurance review: What do you get for your money?

Saga travel insurance is seen by many as the best option for over 50s. On the surface, it appears to offer everything from single trips to annual travel insurance, flights and cruise travel insurance and more. But what exactly does Saga travel insurance cover? Does Saga travel insurance cover pre-existing and long-term medical conditions? How much flexibility is there on premiums?

Saga travel insurance: FAQs

Does saga travel insurance cover issues relating to covid-19.

Thankfully, Saga reacted quickly to the challenges of Covid-19 and the potential for significant additional expenses. Whether you require treatment, other accommodation or repatriation, there is specific cover available .

Do Saga holidays include travel insurance?

All holidays booked directly through Saga include the option of comprehensive travel insurance . However, where you choose to take travel insurance from another third party, this will be reflected in the reduced cost of your Saga holiday.

Can I add others to my Saga holiday insurance?

There is the option to add others to your Saga holiday insurance policy . For example, where you take out a multi-trip policy, not only can you add family and friends of any age, but you don't need to travel together.

While many well-known travel insurance companies today have little history, this is not a criticism anyone can aim at Saga . Saga was founded in 1959 with a simple focus: to cater for over 50s regarding insurance, holidays, financial services and healthcare. The fact that Saga travel insurance is, for many, the first port of call today says everything about the company's reputation. While we are focusing on travel insurance, it's worth noting you can obtain other types of cover such as home and car insurance through Saga.

Let's look at  Saga travel insurance , how much it costs, how flexible cover is, and the company's approach to existing medical conditions.

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

• Some restrictions based on age

Do I qualify for Saga holiday insurance?

As we touched on above, Saga is focused on an array of different services for over 50s. Consequently, to qualify for Saga holiday insurance, you should:

• Be at least 50 years of age
• Live in the UK
• Disclose any pre-existing medical conditions

While Saga will not request a medical certificate or direct advice from your doctor, the onus is on customers to be truthful when completing the online or telephone medical questionnaire. If medical information has been withheld, this may invalidate your cover.

Unlike many travel insurance providers, Saga has been able to keep things relatively simple and avoid customers having to overcome numerous hurdles. When it comes to regulatory cover, as a provider of insurance products, Saga travel insurance is covered by the Financial Conduct Authority (FCA).

Different types of Saga travel insurance

Two central travel insurance policies are available with Saga, single trip travel insurance and annual multi-trip travel insurance. Note there is no upper age limit with Saga travel insurance products.

Saga single trip holiday insurance

While the Saga single trip policy only covers you for a single trip, this can include multiple destinations. Cover is valid for one trip a year, up to a maximum of 120 days, which may include an array of leisure activities. Compared to other insurance providers, Saga single trip policies can be a little more expensive. Still, you get what you pay for - as demonstrated by reviews on the Defaqto and Trustpilot websites.

This insurance product offers comprehensive cover that includes:

There is also a 24/7 travel helpline and the ability to add friends and family under 50 to your policy. While the above figures are standard, you can increase and reduce different types of coverage to lower the cost of your Saga insurance premiums.

Saga annual holiday insurance

As you would expect, Saga annual travel insurance policies offer precisely the same cover as the single trip policy. However, you're covered for multiple trips, up to 45 days per trip, for up to 120 days per year.

Worldwide travel insurance

When you begin to dig a little deeper, you become aware of the flexibility available with Saga travel insurance. There are three primary levels of cover:

• Worldwide excluding USA, Canada and the Caribbean

If you are travelling predominately within Europe, European-focused travel insurance is cheaper than the worldwide cover. As we go through the various elements of Saga travel insurance policies, you will become aware of the enhanced degree of flexibility.

As a side note, more relevant with the onset of Covid-19, you would not be covered for countries listed as dangerous on the UK government  travel advice website . So it is essential to keep up with the latest news.

Medical conditions

Unlike many travel insurance companies, Saga does not exclude any  pre-existing medical conditions  when offering comprehensive cover. Consequently, Saga holiday insurance is very popular with over 50s, the company's prime target market. At times, the cost of Saga travel insurance policies can sometimes appear higher than others in the marketplace. However, it is important to compare like for like. Not all travel insurance companies will offer the same level of comprehensive cover for over 50s.

When obtaining your travel insurance quote, you will be asked to complete a simple health screening review online or over the phone. This ensures Saga is aware of any potential medical issues, thereby ensuring your policy remains valid.

Awaiting results of medical tests

Unfortunately, if you are awaiting the results of medical tests, you will not be able to secure cover. However, as soon as you receive the results, you will be free to apply for cover, whatever the condition.

Am I covered for Covid-19 with Saga travel insurance?

Saga travel insurance covers you for the following scenarios:

Cancellation of holiday

In the event of a positive coronavirus test within 14 days of your travel commencing, for either:

• A close relative
• A member of your travelling party

You will receive a payment covering:

• Unused travel expenses
• Accommodation
• Planned excursions
• Prepaid charges
• Other contracted payments

Abandonment

If you are forced to cut your trip short because of a positive test for Covid-19, you will receive payment for expenses as detailed above. The test could relate to you, a family member, someone you are staying with or a member of your travelling party.

Emergency medical expenses/repatriation

We only need to look at additional expenses incurred when receiving Covid-19 related treatment in the UK to appreciate overseas fees and the cost of repatriation. For example, Saga travel insurance includes up to £10 million in medical expenses and repatriation costs should Covid-19 impact you. In addition, the traditional £5,000 health insurance-related cover for UK holidays has been increased to £2 million due to the coronavirus pandemic.

As discussed above, Covid-19 related travel insurance cover will be invalidated if you travel to a country subject to UK government restrictions. Therefore, when taking out your Saga travel insurance, it is essential to discuss your travel plans and how they may or may not be impacted by Covid-19. Take nothing for granted!

Standard features of Saga travel insurance policies

On the surface, Saga travel insurance products may seem a little more expensive than other insurance providers. As ever, the devil is in the detail. It is only when you dig a little deeper that the differences become apparent. We will now expand on the earlier list, which shows the standard features you can expect for single and multi-trip insurance cover:

Alternative accommodation

You can claim up to £5,000 for alternative accommodation and transport costs should any of the following impact you:

• Natural disasters such as earthquakes and hurricanes
• Insolvency of the provider
• An outbreak of food poisoning
• An episode of infectious disease

The fact that this is standard for all Saga travel insurance policies should give you peace of mind.

Transport issues

If your scheduled airline goes out of business before or after departure, an additional £1,500 is available to cover alternative arrangements.

Enforced stay

In the event of an enforced stay, you can claim £100 for each 24-hour delay, up to a maximum of £1,500. This may involve difficulty:

• Reaching your destination
• Returning to pre-booked accommodation
• Returning home

If after 24 hours you're forced to make alternative arrangements, getting to your destination/returning home, you can claim expenses of up to £1,000.

Missed departure

There is also cover available if you miss your departure for any of the following reasons:

• Public transport delays
• Delay to a connecting flight
• Denied access to your flight (overbooked)
• Vehicle breakdown or accident on the way to the departure point

Up to £1,000 is available for extra accommodation or travel costs required to get you to your final destination.

If you are forced to abandon your trip due to unforeseen circumstances, Saga covers you up to £10,000. This can be used to reimburse unused travel and accommodation expenses and other prepaid charges. You are also covered for new flight tickets home.

Saga travel insurance helpline

As part of the comprehensive cover offered by Saga, you'll also have access to the Saga travel assistance helpline 24/7. This worldwide service offers assistance about an array of issues, including:

• Replacement of passports, driver licenses, air tickets and other travel documents
• Tracing luggage if lost or delayed
• Contacting your local embassy/consulate
• Sourcing additional funds from the UK if required
• Guidance and assistance for your family if you are admitted to hospital
• A "phone home" service if you are detained for medical treatment
• Translation/interpretation services if required

It is fair to say that considering the numerous elements of cover provided as standard by Saga travel insurance policies, together with the helpline, this is a comprehensive offering.

How much does Saga travel insurance cost?

One of the benefits of Saga travel insurance is that you can mix and match, and there is excellent flexibility with no upper age limit. For example, a 60-year-old individual looking at a self-catering holiday to Spain would expect to pay around £33 for single trip cover. However, this would increase to just over £60 for Saga's annual holiday insurance cover.

These two premiums are based on:

• An excess of £150
• £10,000 of cancellation cover
• No winter sports
• No additional travellers

There are also other policy elements that you can remove, increase or decrease depending upon your requirements. For example, you may not require any medical cover if you already have overseas medical insurance through another party. If you are uncertain about the level of cover you need, speak to a Saga representative on the telephone. For those who are clear about their requirements, there is an online system where you can get a quote 24/7.

Does Saga travel insurance offer value for money?

If you look at the Trustpilot and Defaqto review websites, you will see that Saga travel insurance for over 50s has received high praise indeed. Whether it is the fact that existing medical conditions are catered for, the vast range of standard cover or the flexibility available, Saga travel insurance is extremely popular. Consequently, it is safe to say that independent third-party feedback from policyholders suggests Saga offers good value for money.

How to find the right travel insurance when age or illness is a factor

• Money Helper has a directory of firms willing to embrace ‘trickier’ policies 
• Specialist companies include Insurefortravelhealth.co.uk and Free Spirit 
• READ MORE:  Rare footage reveals what it's like to eat at the UK's best restaurant

Buying travel insurance in later years can be difficult, especially for those with medical conditions - but it doesn’t have to be if you book with a specialist insurer.

Many mainstream insurers turn their backs on older potential customers with health issues because there are fewer claims from younger, healthy clients. Yet a directory of firms willing to embrace ‘trickier’ policies can be found at Money Helper ( moneyhelper.org.uk ).

Among the firms listed are InsureCancer, which specialises in cover for terminal cancer , as well as Freedom Insurance, which has policies for liver conditions and is endorsed by the British Liver Trust.

Holiday Extras Cover Limited, Paying toomuch.com and Able2Travel have medical equipment cover of as much as £3,000. And AllClear Insurance Services Limited covers kidney failure.

Other specialist companies include Insurefortravelhealth.co.uk, Free Spirit, Travel Insurance 4 Medical and Saga.

WHERE TO FIND A POLICY THAT SUITS YOU 

Cancer : insurecancer.com

Kidney failure : allcleartravel.co.uk

Liver disease : freedominsure.co.uk

Heart conditions : staysure.co.uk

Parkinson’s : curainsurance.co.uk

Medical equipment cover : worldwidetravelplan.co.uk

Old age : saga.co.uk (no upper age limit)

A total of 28 are listed when you visit Money Helper’s page ‘Find a travel insurance provider if you have a serious medical condition or disability’.

InsureCancer, based in Surrey, is a leading insurer that was set up by a former Lloyd’s of London director, Dr Krish Shastri, in 2001 after he was asked to find insurance for someone with cancer but found sufferers were being excluded. He has pushed for medical conditions to be covered by the insurance industry, saying it is a ‘scandal’ that firms don’t offer policies.

He says: ‘Many companies will have a box-ticking process. But cancer is far too complex for that. Someone may have terminal cancer but live for many years.’

Dr Shastri, whose average customer is over 70, reckons prices on some comparison sites are ridiculously high: ‘£19,000 for two-week cover for someone with metastatic prostate cancer in Europe? This excludes people from travel,’ he says.

On its website which.co.uk, consumer organisation Which? also lists ‘Best travel insurance for the over-65s’. Among the providers listed are Insure and Go ( insureandgo.com ), Saga ( saga.co.uk ), AllClear ( allcleartravel.co.uk ), Co-op Insurance Services ( coop.co.uk ) and Staysure ( staysure.co.uk ). Experts at Which? do, however, recommend using comparison websites such as moneysupermarket.com, confused.com, gocompare.com and comparethemarket.com to search for options. Another tactic is to use the ‘find a broker service’ offered by the British Insurance Brokers’ Association ( biba.org.uk ).

Our snapshot survey of travel insurance multi-trip policies on moneysupermarket.com found annual travel insurance policies can leap by more than 140 pc from your early 50s to your 70s.

Year-round cover may not be available at all for some over 80s, although we did find policies — for those with no medical conditions — at Saga Travel Insurance.

CHEAPEST MULTI-TRIP ANNUAL INSURANCE

AGE 50 

AGE 80  

• All cover to start on June 24. Medical cover on all policies is at least £10 million, with cancellation cover of up to £5,000, luggage cover of £1,000, and no excess charge — for those with no medical conditions.

Source: moneysupermarket.com and saga.co.uk

Our study also revealed that if you are travelling in Europe and are over 50, it may be cheaper to take out single travel policies than buy annual cover. The fear is that high insurance prices can result in some people giving up on foreign holidays as they get older, or risking travelling without insurance at all, according to over-60s campaign group Silver Voices.

However, the Association of British Insurers (ABI) says: ‘Insurers aim to offer competitively priced insurance to as many people as possible. It adds that while prices may be high, medical costs can be ‘jaw‑droppingly expensive’ for the uninsured. The ABI warns that failing to declare medical conditions will invalidate policies. The organisation has a policy that if its members are unable to offer cover, they will refer people to alternative providers.

Older travellers do make more frequent — and higher — claims on travel insurance. Industry figures show that beyond the age of 80, the percentage of claims rises rapidly, peaking at 2.5 pc of all customers over the age of 90 making claims, with an average payout of more than £3,000. So higher policy costs for the elderly are understandable. 

But shopping around can save a bundle.

MY TRAVEL PREMIUM TREBLED

After passing the age of 70, Graham Sargeant (now 75) found his multi-trip annual insurance more than trebled to £600 and he could no longer afford it.

Meanwhile, his wife Susana, aged 66, had suffered from a liver fluke infection in her youth. When she was applying for travel insurance it seemed that, having passed the age of 65, she must declare this — the result being that she was being rejected.

‘I do think there’s age discrimination in travel insurance,’ said Mr Sargeant (right with his wife), a retired local government worker from Seaton Carew, County Durham. ‘Insurers are just milking us.’ Luckily, the couple looked up advice online offered by the British Liver Trust ( britishlivertrust.org.uk ). They then found a one-trip insurance cover for their forthcoming seven-day cruise to Norway for £121 for both of them offered by Freedom Insurance ( freedominsure.co.uk ).

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 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 week-long, $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 policy holders.

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 plan 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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