Travel insurance is designed to help cover unexpected costs that may arise whilst you are away, including cover for medical treatment. In this article, we provide an independent review of travel insurance provider Staysure*.
We recommend that you read the review in full, however, you can jump to specific sections of the article using the following links.
- What is Staysure travel insurance?
- Staysure travel insurance key features
- Staysure travel insurance policies
- Does Staysure travel insurance cover pre-existing medical conditions?
- Staysure travel insurance policy exclusions
- What does Staysure travel insurance cover?
- How much does Staysure travel insurance cost?
- How to claim on Staysure travel insurance
- Staysure travel insurance customer reviews
- Staysure travel insurance pros and cons
- Alternatives to Staysure travel insurance
- Summary
What is Staysure travel insurance?
Staysure travel insurance* was founded in 2004 by Ryan Howsam, a man passionate about providing comprehensive travel insurance policies to the over 50s. Crucially, it was his aim to bring a travel insurance product to market that would provide those over 50 with cover that included pre-existing medical conditions. Whilst the focus on pre-existing medical cover remains, Staysure has grown to offer a vast range of travel insurance policies to over 12 million people of all ages.
Staysure travel insurance is underwritten by Great Lakes Insurance UK Limited and Staysure is a trading name of TICORP Ltd which is authorised and regulated by the Financial Conduct Authority (FCA).
Staysure travel insurance key features
- 5-star Defaqto-rated Comprehensive and Signature policies
- Pre-existing medical conditions cover
- Cover for all ages on single and annual policies
- 24 hour medical emergency support
- Optional extras such as gadget cover, winter sports cover, excess waiver and golf cover
Staysure travel insurance policies
With Staysure, you can choose from a range of travel insurance policies to suit your trip. The main policies are single or annual multi-trip policies and these can be catered depending on the destination you are travelling to and the activities you are partaking in. Staysure travel insurance provides cover for all ages on its single and annual policies but it does have some restrictions on trip durations with certain policies if you are over a certain age. Below, we briefly explain the different types of policies available with Staysure travel insurance.
Staysure Single trip travel insurance
Single trip travel insurance* insures you for one trip outside of the UK. As well as individual cover, you can also choose couples or family single trip travel insurance as long as each family member lives at the same address. Having a couple or family policy could work out cheaper than multiple single trip policies. It's also possible to get group travel insurance with Staysure. You can take out group travel insurance for up to 9 people online but for groups of 10 people or more you will need to call their customer service number.
Staysure's single trip travel insurance policy covers you for more than one destination in the same trip as long as you notify Staysure of the destinations you are planning to visit prior to purchasing the policy. Staysure's single trip travel insurance policy insures you for up to 550 days (some trips may be limited further depending on age and destination). Staysure provides single trip travel insurance policies for all ages.
Staysure Annual multi-trip travel insurance
Annual multi-trip travel insurance* covers you for multiple trips in a policy year and you can get cover for a maximum of 183 days abroad, although each trip cannot exceed 50 days (reducing to 35 days if you are 71 or over). However, if you needed to, there is an option to extend an individual trip limit from 50 to 100 days with an additional premium, if you are aged 70 or under. Staysure's Comprehensive and Signature annual travel insurance policies include cover for up to two winter sports trips as standard. Staysure provides annual multi-trip travel insurance policies for all ages.
It is a condition of Staysure's insurance that you take a UK Global Health Insurance Card GHIC (or EHIC if eligible) when travelling to Europe.
Staysure UK travel insurance
UK trips are only insured if you have pre-booked at least two consecutive nights of paid accommodation. Staysure's UK travel insurance policy covers your staycation for cancellation or curtailment of your trip as well as repatriation and medical transfer costs within the UK. Medical treatment, if needed whilst you are holidaying in the UK, is obviously covered by the NHS; however, repatriation costs will help to transfer you to a hospital closer to your home if required.
If you require medical treatment when travelling to the Channel Islands (including Jersey and Guernsey) or the Isle of Man, you will not be covered by the NHS, but there are reciprocal healthcare agreements in place with the UK. To access free state-provided healthcare in these locations, it is strongly recommended that you present a valid UK Global Health Insurance Card (GHIC) or legacy EHIC. If you do not have a card with you, you can still access treatment, but you will be required to provide photographic ID alongside proof of your UK residency (such as a recent bank statement or UK driving licence).
It is still vital to take out a UK travel insurance policy, however, as the reciprocal agreements do not cover everything. For instance, you can still be charged for ambulance call-outs in some areas, and the agreements will never cover the costly price of medical repatriation flights or supported ferry trips back to the UK mainland.
What does Staysure travel insurance cover?
In the comparison table below, we highlight the differences between Staysure's travel insurance policies. We also detail the range of additional extras that are available. (Some add-ons can only be added onto a Staysure Comprehensive or Signature policy).
Staysure travel insurance policy comparison
| Staysure Basic policy | Staysure Comprehensive policy | Staysure Signature policy | |
| Excess | £129 | £99 | £0 |
| Cancellation | £500 | £5,000 | £10,000 |
| Medical emergency and repatriation | £5million | Unlimited | Unlimited |
| Curtailment (cutting your holiday short) | £500 | £5,000 | £10,000 |
| Baggage claims | £300 | £2,500 | £5,000 |
| Money and passport | £300 | £500 | £500 |
| Legal costs and expenses | No cover | £25,000 per person (max £50,000 per policy) | £25,000 per person (max £50,000 per policy) |
| Personal Liability | Nil^(£2million) | £2million | £2million |
^Only available subject to an additional premium being paid
Additional policy extras
Staysure has some policy extras which can be added to some of the travel insurance policies. The add-ons will vary depending on the policy you choose and some can only be added to comprehensive or signature policies.
- Travel Disruption Extension cover - Get cover for cancellation and curtailment (cutting short) of your holiday if the FCDO advises against all but essential travel because of unforeseen events such as a hurricane or earthquake.
- Winter Sports cover^ - Get exclusive cover for winter sports activities such as skiing or snowboarding. You will be covered for medical emergencies and other expenses such as loss of equipment or avalanches. (This is included as standard on a comprehensive or signature annual policy with cover for 2 trips up to a total of 21 days for comprehensive policies and 28 days for signature policies).
- Cruise Plus cover^ - Get specific cover for your cruise and extras such as cabin confinement.
- Excess Waiver^ - Don't pay any excess when you make a claim with the excess waiver add-on. This can be added on when you buy a comprehensive policy (included on signature policies as standard) but may not apply to Gadget cover if you have selected that additional cover option.
- Golf cover^ - Get cover for a non-professional golf holiday and cover your equipment, non-refundable golfing fees and hole-in-one cover.
- 100 Day Extension^ - If you're aged 70 or under, you can extend your trip duration limit from 50 days to 100 days.
- Gadget cover^ - Cover for things such as loss and theft, text or data usage, liquid damage for unlimited gadgets up to £2,000. Available with comprehensive policies as an add-on but as standard on Signature policies
Does Staysure travel insurance cover pre-existing medical conditions?
Staysure prides itself when it comes to covering most pre-existing medical conditions and it provides single and annual policies for all ages which makes it as inclusive as possible to older travellers. Staysure says it can cover most pre-existing medical conditions and an example of some of the conditions it often covers are listed below:
- Arthritis
- Asthma
- Cancer
- Diabetes
- Heart conditions
- Gallstones
- Multiple Sclerosis
Are there any age limits on Staysure's travel insurance?
Staysure offers single and annual multi-trip travel insurance policies for all ages, however, there are some restrictions on the length of the trips for certain ages and this depends on where you are travelling to. For more information on trip age restrictions, see the Staysure policy documents.
Staysure travel insurance policy exclusions
Below we explain some of the common policy exclusions with a Staysure travel insurance policy. The following list is not extensive and you will need to read your policy documents carefully so you know exactly what you are covered for.
A Staysure travel insurance policy will not typically cover you for the following:
- The policy excess
- Pre-existing medical conditions that have not been declared
- Travel against medical advice
- Travel abroad for the purpose of medical treatment
- Travel against FCDO advice
- Claims arising from being under the influence of drugs or alcohol
How much does Staysure travel insurance cost?
Below, we compare the cost of Staysure's travel insurance policies* for a European destination. We have compared the cost of both single and annual travel insurance policies and the costs are based on an individual travelling to Spain. How much you will actually pay for your travel insurance policy will vary depending on numerous factors such as your age, your health and your trip destination.
Staysure individual policy cost comparison
The following quotes are based on a 7 night trip to Spain for an individual traveller aged from 20 - 70 years old with no underlying health issues. The quotes are for Staysure's Single and Annual travel insurance policies.
Staysure single trip policy cost comparison
| Staysure Basic cover | Staysure Comprehensive cover | Staysure Signature cover | |
| Policy excess | £129 | £99 | £0 |
| Policy type | Single trip | Single trip | Single trip |
| Medical expense cover | £5m | Unlimited | Unlimited |
| Cancellation cover | £500 | £5,000 | £10,000 |
| Baggage cover | £300 | £2,500 | £5,000 |
| European policy cost 20-year-old | £19.20 | £22.31 | £31.49 |
| European policy cost 30-year-old | £20.28 | £23.35 | £34.99 |
| European policy cost 40-year-old | £19.91 | £22.76 | £31.49 |
| European policy cost 50-year-old | £18.93 | £21.37 | £34.99 |
| European policy cost 60-year-old | £21.25 | £24.26 | £33.62 |
| European policy cost 70-year-old | £26.63 | £34.98 | £47.79 |
(Quotes correct as of 29/05/26)
Staysure annual multi-trip policy cost comparison
| Staysure Basic cover | Staysure Comprehensive cover | Staysure Signature cover | |
| Policy excess | £129 | £99 | £0 |
| Policy type | Annual multi-trip | Annual multi-trip | Annual multi-trip |
| Medical expense cover | £5m | Unlimited | Unlimited |
| Cancellation cover | £500 | £5,000 | £10,000 |
| Baggage cover | £300 | £2,500 | £5,000 |
| Individual trip limit | Under 70s - 50 days
Over 70s - 35 days (Max total 183 days) |
Under 70s - 50 days
Over 70s - 35 days (Max total 183 days) |
Under 70s - 50 days
Over 70s - 35 days (Max total 183 days) |
| European policy cost 20-year-old | £38.86 | £45.26 | £66.33 |
| European policy cost 30-year-old | £38.17 | £47.66 | £69.99 |
| European policy cost 40-year-old | £36.45 | £45.51 | £65.09 |
| European policy cost 50-year-old | £44.98 | £56.17 | £79.52 |
| European policy cost 60-year-old | £46.17 | £57.65 | £80.71 |
| European policy cost 70-year-old | £107.58 | £145.58 | £198.24 |
(Quotes correct as of 29/05/26)
How to claim on Staysure travel insurance
In order to claim on your Staysure travel insurance policy, you will need your policy number and any additional receipts and documentation related to your claim, e.g. medical bills. You are able to visit the Staysure website and submit your claim online where you will be asked if your claim is an emergency. If your claim is an emergency, you will be provided with a 24-hour telephone number which varies depending on where you are calling from. If your claim is not an emergency you can choose what you are claiming for e.g. cancellation or baggage claim and you will then have to answer a series of questions in relation to your claim.
When making a claim, it is important to contact Staysure as soon as possible to notify them of your claim. If you are taken ill whilst away and it is not a medical emergency, you should call Staysure prior to going ahead with any treatment so you can be advised on the best course of action. If it is an emergency, then you or a travel companion should contact Staysure within 48 hours and you must contact the insurer within 28 days once you return back to the UK.
Staysure travel insurance customer reviews
Staysure travel insurance has a customer rating of 'Excellent' on the customer review site Trustpilot. It has a score of 4.7 out of 5.0 stars from over 500,000 reviews. 81% of customers on the site have rated Staysure travel insurance as 'Excellent', citing great customer service and competitive prices. Some customers also comment on the good level of cover for a multitude of pre-existing health conditions.
2% of customers rated Staysure travel insurance as 'Bad', with several citing frustrations with not receiving their policy documents. Another customer complained about the cost of the travel insurance due to a high number of pre-existing medical conditions.
Staysure travel insurance pros and cons
Staysure travel insurance pros
- Pre-existing condition cover
- Option to cater your policy to suit your trip
- Cover for all ages
Staysure travel insurance cons
- No personal liability cover as standard on basic policies
- No cover for a medical condition if at the start of the policy you are awaiting medical test results or investigations
- Some trip duration limits depend on the traveller's age
Alternatives to Staysure travel insurance
Below, we compare Staysure travel insurance to the Post Office and Coverwise's most comprehensive travel insurance policies. Each quote is based on a 30-year-old single traveller with no underlying health conditions and for a 7-day single trip policy to Spain. For more information on Post Office and Coverwise travel insurance, read our independent reviews:
Another quick and easy way to compare travel insurance is via a comparison site such as MoneySuperMarket* as it allows you to compare multiple travel insurance policies that may be suitable for your trip. One thing to consider before using a comparison site, however, is that it may not compare every provider on the market so you may get a better deal elsewhere.
Staysure travel insurance vs Post Office travel insurance
| Staysure* | Post Office | |
| Policy name | Signature | Premier cover |
| Policy type | Single trip | Single trip |
| Destination | Spain | Spain |
| Policy excess | £0 | £50 |
| Policy cost for a 30-year-old individual | £34.99 | £41.32 |
| Emergency medical cover amount | Unlimited | £15million |
(Quotes correct as of 29/05/26)
Staysure travel insurance vs Coverwise travel insurance
| Staysure* | Coverwise | |
| Policy name | Signature | Gold |
| Policy type | Single trip | Single trip |
| Destination | Spain | Spain |
| Excess | £0 | £50 |
| Policy cost for a 30-year-old individual | £34.99 | £14.26 |
| Medical cover amount | Unlimited | £20m |
(Quotes correct as of 29/05/26)
Summary
Overall, Staysure* provides good value for money offering a range of cover at a lower cost when compared to some other providers. An added bonus is that Staysure provides unlimited medical emergency cover with both its comprehensive and signature policies.
In addition, Staysure covers most pre-existing medical conditions and provides single and annual policies for all ages, making it an attractive option for older travellers. As with all insurance policies, make sure you read your policy documents carefully so you know exactly what you are covered for.
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