Staysure Travel Insurance Review

A child is classed as anyone unmarried, under the age of 18 (21 if in full time education), dependent and living in the same household as the adults.

Single trip policies - No age limit

Annual Multi trip policies - Anyone up to the age of 85

Single trip duration limits depends on the age of the customer and the duration of the trip.

Standard trips any age - a maximum of 104 days

Age 65 or under 550 days anywhere in the world

Age 66 - 70 366 days UK and Europe, 276 days Worldwide excluding Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean and the United States of America, 184 days the rest of the world.

Age 71 - 75 366 days UK and Europe, 184 days Worldwide excluding Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean and the United States of America, 123 days the rest of the world.

Annual Multi trip travel. The maximum number of days travel in any one policy year 183.

Up to the age of 70 Maximum 50 days any one trip (can be increased to 100 days)

71 - 85 Maximum 35 days any one trip.

Winter sports can be included for the duration of a single trip policy and up to 21 days for annual policies (up to the age of 70).

Wintersports includes the following activities Ice-skating (outdoor), guided cross country skiing (Nordic skiing), on-piste skiing, on-piste snowboarding, on-piste mono skiing, glacier skiing, off-piste skiing or off-piste snowboarding on recognised and authorised areas only (both) and tobogganing.

A Staysure policy can be taken out by one person, a couple who are in a relationship and have been living together for the last six months, a family consisting of one or two adults and up to seven children.

A policy can also be taken out by up to 9 individuals. For groups of ten or more, you would need to phone up for a quote.

It is a condition of Staysure's policy that you must obtain a European Health Insurance card when travelling to countries in the European Union, including Iceland, Norway, Liechtenstein or Switzerland.  If the EHIC is accepted and any claim is reduced, the excess will be waived.

If you are travelling to Australia and require medical treatment you must enrol with the local Medicare office. If travelling to New Zealnd, you must go to a state medical facility and present your passport.

The Staysure policy lists 80 sporting and leisure activities which are covered as standard. It also provides a list of specifically excluded activities, check the policy for full details.

Any activity marked with an asterisk, exclude personal accident and personal liability cover.

If you do not hold a diving qualification, you will only be covered to scuba dive down to 18 metres when accompanied or under the direction of a qualified diving instructor.

The policy excludes any claim arising directly or indirectly from your alcohol intake.

Comprehensive policy includes cover for end supplier failure as standard.

Staysure does not cover pre-existing medical conditions, whether diagnosed or not. However it is possible to obtain cover for most conditions, but completing the medical declaration during the quotation process, without the need to phone the Insurer direct.

Claims regarding normal pregnancy are not covered, unless there has been a complication and this has been certified by a doctor as medically necessary. The policy provides a list of complications that it covers.

The policy excludes a claim relating to manual work. Manual work is described as work involving physical labour (not including office and clerical work, bar and restuarant work, music performance, singing, or fruit picking (fruit picking must not involve working at height or using machinery).

The policy will only pay up to £50 for a single item, where you are unable to provide either an original receipt, or satisfactory proof of ownership and value (for a example a photograph of you wearing the article) and subject to a total limit of £250.

The policy excludes any claims relating to war and cyber terrorism. Terrorism is not mentioned in the general exclusions section of the policy. You also have the option to include terrorism cancellation cover.

Comprehensive Travel Disruption cover available as an option.

To be eligible for a Staysure policy, you must have your main home in the UK, Channel Islands or Isle of Man and have resided there for more than six months out of the last twelve months. You must hold a valid EHIC and be registered with a local doctor.