My elderly parents needed to make a claim when one of them taken ill with a declared pre existing condition. Had to sign a disclaimer for the circa £30,000 bill before they would release patient from hospital, and even though patient had sustained injuries from nursing staff. It took many weeks of stress for the matter to be resolved and needed myself and my sister to take the pressure off my parents who couldn’t have managed handling the claim themselves. They are hard of hearing and Saga tried to explain disclaimer via a phone call to the hospital in Spain from the UK. Never would I recommend Saga travel insurance.