Staysure travel insurance: What do you get for your money?

Staysure travel insurance: What do you get for your money?

 · 7 min read

Staysure is one of a growing band of insurance companies offering travel cover to the over 50s. The company has been around since 2005 and has provided cover for more than 8 million people since its inception. Where does the company stand on pre-existing medical conditions, Covid-19 protection, and age restrictions?

Staysure travel insurance: FAQs

  • Do I have to declare pre-existing or suspected medical conditions to secure Staysure travel insurance?

    If you are awaiting test results for a suspected medical condition, this will need to be declared when arranging your Staysure travel insurance cover. It is also essential to report any pre-existing conditions when completing the online or telephone questionnaire. Failure to do so could invalidate your policy and, in a worst-case scenario, lead to significant overseas medical expenses.

  • Is there an additional cost for Covid-19 travel insurance cover?

    Staysure claims to be one of the first UK travel insurance companies to add Covid-19 cover as standard to their travel insurance policies. While Covid-19 is the first real test of the travel insurance industry regarding pandemics, provisions have been made industrywide. However, it is still important to keep up to date with the latest news on travel restrictions.

  • Does Staysure cater specifically for the over 50s travel insurance market?

    While there has been a growing focus on the over 50s travel insurance market by Staysure, the main cover revolves around single trip and multi-trip insurance products. These policies include specific references to the over 50s, although there are slight restrictions for those over 70. Therefore, it is crucial to ensure your cover fulfils all of your requirements.

  • Are Staysure travel insurance products regulated?

    As with all companies offering financial services in the UK, Staysure insurance products are regulated by the Financial Conduct Authority (FCA). This ensures an enhanced level of protection for UK consumers in the event of difficulties.

While Saga is perhaps the first choice of many for over 50s travel insurance, companies like Staysure are certainly creating their own reputation. The company, based in Northampton, has served more than 8 million customers since its inception in 2005 and continues to go from strength to strength. Making inroads into the dominance of Saga, Staysure offers a range of travel insurance policies that cover an array of different medical conditions.

Do I qualify for Staysure travel insurance? 

As mentioned above, Staysure travel insurance offers comprehensive cover, with no upper age limit and a particular emphasis on over 50s. To qualify for Staysure single trip travel insurance or annual travel insurance, you must fulfil the following eligibility conditions:

  • Have been a resident of the UK, Channel Islands, or Isle of Man for at least six months of the last 12-month period
  • Be registered with a medical practitioner in either the UK, Channel Islands, or the Isle of Man
  • Be travelling from either the UK, Channel Islands, or the Isle of Man
  • Not already be travelling at the time of purchase
  • Be travelling for a minimum of two consecutive nights in pre-booked accommodation

Medical cover is only applicable for overseas trips with no cover for medical expenses in the UK, Jersey or the Isle of Man. If you are travelling to countries against the advice of the FCDO, traditional insurance cover will be invalid.

Different types of Staysure travel insurance

As is the norm with the vast majority of holiday insurance services, there are two main types of Staysure travel cover:

  • Single trip travel insurance
  • Annual multi-trip travel insurance

While there is no travel insurance age limit, you will notice some restrictions if you're over 70.

Staysure single trip travel insurance

When searching for the most appropriate travel insurance provider, you will notice that Staysure travel insurance is mentioned in very favourable terms on sites such as Defaqto and Trustpilot. Single trip travel insurance covers up to 50 days for those aged up to 70, reduced to 35 days for those over 70.

Often referred to as "basic" Staysure travel insurance, this type of cover includes:

Element of CoverMaximum Cover
Medical emergencies and repatriations£5 million
Cancellation£500
Cutting your holiday short£500
Baggage claims£300
Cash lost/stolen£250
Excess£85-£100

While additional extras are available, there is a degree of curtailment compared to the comprehensive annual travel insurance policies. They include:

  • Travel disruption cover
  • Connecting flight cover

As with most travel insurance, it is possible to mix and match the various elements of cover to reflect your requirements. This ensures you have peace of mind when on your travels.

Staysure annual multi-trip travel insurance

The Staysure annual multi-trip policy is a comprehensive travel insurance policy. You will be covered for any trips of no more than 50 days within a 12-month period. The figure is reduced to 35 days if you are over 71 years of age. The cover afforded to comprehensive policies includes:

Element of CoverMaximum Cover
Medical emergencies and repatriationsUnlimited
Cancellation£5000
Cutting your holiday short£5000
Baggage claims£2500
Cash lost/stolen£500
Personal liability£2 million
Legal protection cover£25,000
End supplier failure£3000
Excess£65

The range of optional extras to add-on is also significantly extended and includes:

  • Extension from 50-day trip duration to 100 days for any one trip, limited to those under 71
  • Cruise plus cover
  • Gadget cover
  • Single item cover
  • Travel disruption cover
  • Connecting flight cover
  • Excess waiver
  • Golf cover
  • Terrorism cancellation cover
  • Winter sports

When you consider that Staysure was voted the "Best Travel Insurance Provider 2020", this shows the growing degree of competition within the over 50s travel insurance market.

Medical conditions

While relevant for customers of any age, the coverage of pre-existing medical conditions is a significant concern as we get older. As we touched on above, Staysure over 50s travel insurance is challenging the likes of Saga in what is a very competitive market. Consequently, you will be pleased to know that all pre-existing medical conditions are considered when calculating premiums for travel insurance.

If you do not disclose a pre-existing medical condition or that you are awaiting test results, you may find that the medical element of your travel insurance is invalidated. This can lead to substantial medical bills if you require medical assistance overseas. To put this into perspective, the average cost of medical treatment in 2018 was a staggering £9941. So, make sure you are covered!

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

The simple answer is yes. Staysure claims to be one of the first insurers in the UK to include Covid-19 travel insurance as part of single and annual travel insurance policies. As well as receiving a 10% discount code to help with the cost of coronavirus test packages, the specific cover includes:

Cancellation cover

You will be offered protection if:

  • You contract Covid-19 within 14 days of travelling
  • You are advised to isolate by the UK government's Test & Trace system
  • You are unable to complete your vaccination course due to unforeseen circumstances such as illness or an allergic reaction
  • A family member, members of your household or travelling companions are diagnosed with Covid-19 within 14 days of travel
  • You are denied boarding rights to your plane as a consequence of Covid-19
  • A member of your household or close relative is hospitalised or die as a consequence of Covid-19

This will include prepaid services, such as accommodation, as well as those to which you have financial commitments. If in doubt, check with Staysure.

Cover during your holiday

With Staysure travel insurance, in the event of contracting Covid-19 overseas, you will be covered for:

  • Overseas emergency medical expenses
  • Repatriations costs
  • Additional daily benefits, if required to self-isolate in your holiday accommodation

Additional insurance also cover includes:

  • Reimbursement when forced to cut short your trip as a consequence of hospitalisation/death of a member of your household/family member as a consequence of Covid-19
  • Funds for additional accommodation/transport if deemed necessary by Staysure medical advisers

People are still genuinely concerned about travelling overseas during the pandemic. However, many people would like to enjoy rest and recuperation overseas but are unsure of the level of cover offered. The additional focused Covid-19 cover should help.

Worldwide and regional travel insurance cover

When considering Staysure travel insurance, you will note that cover is split into specific regions instead of countries. The areas are as follows:

  • Worldwide - All countries
  • Europewide - European countries
  • UK and Europe - Excluding Cyprus, Egypt, Greece, Malta, Morocco, Spain, Tunisia and Turkey
  • Worldwide - Excluding Bermuda, Canada, the Caribbean, China, Hong Kong, Mexico, Thailand and the USA

To ensure that you get the best value for money with your Staysure travel insurance policy, you must align this with the countries you are visiting.

Claiming on your Staysure travel insurance

It is all well and good to have cover for various aspects of your travel, but it is also essential to appreciate the claims process. Thankfully, there is the option to submit a claim over the telephone or online. Before making a claim, you will require the following documentation:

  • A copy of your validation certificate, which has your policy number (part of your policy documents)
  • Receipts/documentation regarding your claim
  • If Covid-19 related, you will need evidence of a positive test

While the international travel insurance industry is starting to return to normal, you may experience delays while the pandemic continues.

Does Staysure travel insurance offer value for money?

Even though Saga may still be the more recognised name in the over 50s travel insurance sector, Staysure has undoubtedly made its mark. It is essential to mix and match the numerous policy variables to shape cover around your specific requirements. This not only ensures that you have relevant cover in place but also maximises value for money.

Staysure travel insurance has impressive ratings on both Trustpilot and Defaqto, reflecting the quality of services offered. While much of the process can be carried out online, there is still a telephone service for those who prefer talking to an adviser.

Mark Benson
Mark Benson
Mark joined Pension Times in 2020 and has over 10 years’ experience specialising in writing around property, finance, and investment subjects.
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