Updated: November, 7, 2022
Staysure is a UK-based insurer that offers a wide range of travel insurance policies for people with pre-existing medical conditions.
In this article, we’ll break down all the different insurance options that Staysure offers, explain how to apply for a policy, and look at some Staysure travel insurance reviews.
Let’s dive in.
Staysure is a UK-based insurance company that specialises in providing travel insurance to individuals aged over 50 with pre-existing medical conditions and is widely regarded as one of the best travel insurance providers for seniors.
Unlike AllClear Travel Insurance, it doesn’t boast products like life and car insurance but offers a wide range of travel insurance policies, as well as different levels of coverage.
Staysure was founded in 2004 by Ryan Howsam with the goal of providing comprehensive travel insurance to over-50s who have difficulty finding affordable insurance due to their pre-existing medical conditions and age.
Staysure offers 11 different types of travel insurance, including:
A single-trip policy is your best option for a one-off holiday trip.
You could also make a claim in case of a medical emergency that prevents you from going on holiday.
An annual travel insurance policy is a cheaper option (than single-trip insurance) if you go on more than one holiday in a year.
Staysure covers most pre-existing medical conditions.
Staysure medical travel insurance reviews confirm that its medical travel insurance includes everything that a single-trip policy covers, plus all emergency treatments related to the pre-existing conditions you have declared and included in the policy.
When you take out a policy from Staysure, they let you choose where you want that policy to cover you. If you’re planning a longer one-off stay, you can opt for single-travel insurance and get coverage of up to 18 months. For multiple, shorter trips, it’s best to take out annual travel insurance.
With this insurance, you can travel as often as you like to different locations, as long as you aren’t away from home for more than 6 months—the latest statistics show that international travel for business usually lasts one to three nights, making Staysure a great choice for frequent business trips.
Both single-trip and annual insurance policies from Staysure cover trips and holidays in Europe and include pre-existing conditions protection.
The UK travel insurance covers trips within the UK and domestic UK cruises. The policy covers cancellation, but only if you’ve booked a place to stay for a minimum of two nights, and in case of an emergency, it can cover the costs of transferring you to a hospital that’s closer to home.
For example, if you’re hospitalised in Scotland but live in London, Staysure could help you get moved to a hospital that’s closer to your home location.
Did you know? There are around 120 million domestic trips taken every year within the UK!
Long-term travel insurance provides coverage for trips that are between 3-18 months. If you’re going on a holiday that lasts fewer than 3 months you can get a single-trip policy.
A cruise travel insurance is essentially a regular (comprehensive) insurance policy with a Cruise Plus add-on.
The add-on covers:
The Staysure COVID-19 insurance policy covers policyholders before and during the holiday.
It will cover you if:
Similar to cruise insurance, the winter sports travel insurance is a combination of comprehensive insurance and winter sports cover add-on. The policy covers a range of winter sports activities, from ice-skating to tobogganing and snowboarding, as well as:
Staysure has no upper age limit and provides cover for any age group, including those that are over 85 years old.
The main difference between a basic and a comprehensive Staysure policy, in addition to the level of coverage, is that policyholders cannot add any optional extras to their policy with a basic cover.
|Medical emergencies and repatriation||Up to £5 million||Unlimited|
|Cancellation||Up to £500||Up to £5,000|
|Cutting your holiday short||Up to £500||Up to £5,000|
|Baggage claims||Up to £300||Up to £2,500|
|Cash lost or stolen||Up to £250||Up to £500|
|Personal liability||–||Up to £2 million|
|Legal protection cover||–||Up to £25,000|
|End Supplier Failure||–||£3,000|
Staysure comprehensive travel insurance reviews say they are satisfied with the service from the insurer.
If you have an emergency medical situation, you can call +44 1403 288 414, or +1 844 780 0639.
For other claims you can:
You’ll need your validation certificate as well as any documents that support your claim. For example, Staysure will also want a copy of your test results if your claim is linked to COVID.
With a Staysure travel insurance policy, you will get:
All Staysure policies include coverage for pre-existing medical conditions. If the company covers your medical condition, then you can apply and get any policy Staysure offers.
Staysure includes cancellation cover on all of its policies. The cover is in force the moment you take out the policy.
The company also provides COVID-19 protection on all policies. The only time you will not be able to make a COVID-related claim is if you travel to a place against the FCO recommendation.
Staysure does not impose an age limit on applicants and allows policyholders to customise their policies based on their (medical or otherwise) needs.
Staysure offers a number of add-ons that policyholders can take alongside their Staysure Staysure travel insurance policy, including:
If you’re 70 or younger, you may extend the duration of your single 50-day trip cover to up to 100 days.
This add-on ensures that you are eligible to make a claim for costs related to accommodation and travel expenses even if the FCDO advised against non-essential travel to the place you visited.
Bear in mind that Staysure does not cover covid-related claims when you travel to one of these countries. insurefor, on the other hand, does, so it might be a better option to consider if you are planning a trip to countries that are not on the safe list.
This add-on covers everything from being unable to dock at a planned port because of the bad weather to itinerary changes.
If you have an Excess Waiver, you won’t have to pay any extra for each item you’re claiming. However, it does not apply for Gadget cover, Car Hire Excess, and Terrorism Cancellation.
Don’t want to pay excess on your insurance? Try AA travel insurance, whose members do not pay any excess on travel insurance.
The Gadget cover add-on covers up to £2,000 worth of items (in total) for loss or theft, accidental or intentional damage, and liquid damage, among other things.
If you’re an amateur golfer or you’re carrying your golf equipment on trips for non-professional use, you can use this add-on to protect yourself from any financial damage and get covered for emergency gear hire, non-refundable golfing expenses and hole-in-one insurance.
This add-on raises your single item Personal Baggage insurance to £1,000.
If you add this cover to your policy, Staysure will cover you in case your trip gets cancelled because the FCO advises against all but essential travel to your destination due to natural disasters.
The Winter Sports add-on covers medical expenses for injuries suffered during sporting accidents, as well as ski equipment and costs of piste closures and unused ski passes.
The cost of your travel insurance depends on a variety of factors, including age, type of coverage, level of cover, and your pre-existing condition.
Policyholders have 14 days from the date of purchase to cancel their Staysure holiday insurance to receive a refund, minus any administrative costs.
If you have questions about your insurance or need help making tweaks to your policy you can reach out to Staysure’s customer support team via:
The lines are open:
Monday to Friday: 8:30 a.m. – 8:00 p.m.
Saturday: 9:00 a.m. -5:30 p.m.
Sunday: 10:00 a.m. – 4:00 p.m.
Staysure reviews show that customers are satisfied with the insurance products and the flexibility of its policies.
Here’s what some reviews say for Staysure travel insurance options:
‘Excellent policy for expats living in France and wanting world-wide cover. Gave us everything we needed and would have been 5 stars as very easy to follow, set up and understand except full Covid cover is not included and that is a major concern for every traveller.’ – Val.
‘Very happy with the service provided, agent very pleasant/helpful. payment staff excellent. overall im extremly pleased with the policy at a reasonable price.’ – Colin.
‘This is a review for the application process, I haven’t had any contact with staysure for any claims or customer service. That said, I can’t believe it was so easy! and a good price too. I have complex medical issues and have struggled to find annual insurance as an expat, Staysure made it an amazingly easy, online application. Thank you, here’s hoping the rest of the service is as good.’ – Linssner.
‘Very easy to complete details and go backwards if missed any details..price was goid compared with other sites and offered to insure my medical aspects that some others were choosey over. Thank you i feel very happy with my choice though i hope this is not needed as i travel.’ – Janice Matthews.
‘A very straightforward and easy to use website with everything clearly explained.I have just taken out a yearly insurance and would appreciate a reminder when it is time to renew.’ – Sue Ward.
If you’re looking for an insurance provider that covers people of all ages and offers customisable travel insurance policies to people with pre-existing medical conditions, then you might want to consider Staysure.
The company offers a wide range of insurance products and add-ons and two different levels of coverage for every budget.
You can cancel your Staysure holiday insurance within 14 days of purchase and get a full refund (minus the administration fees).
To cancel your Staysure holiday insurance, you can either call their customer support team, email them or fill out a cancellation request form online.
StaySafe’s insurance is underwritten by the Ergo Group Company ERV, which is registered in Germany as Europäische Reiseversicherung A.G. Its trading name in the UK is ETI International Travel Protection.
Staysure is a reliable insurance provider with a 4.7-star rating on Trustpilot. According to Staysure travel insurance reviews, it is an excellent choice for people who are over 50 years old, have pre-existing conditions, and are looking for affordable insurance.
My name is Marija, and I'm a financial writer at DontDisappointMe. Although finance might not be everyone's cup of tea, my 10+ years of working in one of the biggest banks in my country, and my interest in extensive research on everything finance/investment-related, have made me somewhat of an expert in the field (if I do say so myself). No longer having the passion to work in a corporate setting, I decided that I couldn't let all of this knowledge go to waste so I started writing. And, here I am! Today I try to share my knowledge with my audience in the hopes of making this topic as simple and interesting as possible. In my leisure time, I like spending time with my family and travelling to new locations.