
Product Rating
Experience Rating
Although we have now officially left the European Union and agreed on a new UK Global Health Insurance card for travel to Europe, this is definitely not a replacement for travel insurance. It has never been more important, to choose the right policy because, as the current Coronavirus Pandemic has highlighted, the wrong choice can have disastrous financial and health consequences, if you have to claim whilst abroad.
Once you have read this review of Staysure Travel Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
Staysure was formed in 2004 by Ryan Howsam. The companies aim was to provide competitive travel insurance to the growing over 50's market in the UK. The company has gone from strength to strength over the years and is now an award winning over 50's travel insurance provider.
All travel insurance policies are underwritten by ERV, the UK branch of a German company Europaische Reiseversicherung (ERV) A.G. Staysure's single trip policy has no upper age limit and you can choose from two levels of cover Basic and Comprehensive, with single trip policies starting from just £7.99 and annual policies from £39.99.
Click on the website link to go directly to the insurance providers website. Visit Staysure Travel Insurance's Website and Get a Quotation direct
Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Staysure Travel Insurance.
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.
That's Insurance have spent some time mystery shopping on staysure-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.
Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.
Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.
Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.
The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Staysure compares to the industry average. The higher the percentage the better the company performs in each area.
(layout, readability, terminology)
Awaiting user friendly score
(layout, navigation, access to information)
Awaiting user friendly score
(clear quotes, buying process, customer service)
Awaiting user friendly score
We've highlighted Pro's and Cons for Staysure , click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Staysure Travel Insurance.
We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.
Listed below are some Sample Quotes offered by Staysure Travel Insurance
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Single Trip
Worldwide (Excluding USA & Canada)
Couple
Age: 60 - 64
Trip Days: 21
65
Medical Expenses 10,000,000
Cancellation 5,000
Missed Departure 1,500
Delayed Departure 1,500
Baggage 2,500
Personal Accident 20,000
Personal Liability 2,000,000
Legal Expenses 25,000
Single Trip
Worldwide (Excluding USA & Canada)
Individual
Age: 76 +
Trip Days: 7
85
Medical Expenses 5,000,000
Cancellation 500
Missed Departure 500
Delayed Departure 300
Baggage 300
Personal Accident 0
Personal Liability 2,000,000
Legal Expenses 0
Annual
Europe
Individual
Age: 76 +
Trip Days: 365
65
Medical Expenses 10,000,000
Cancellation 5,000
Missed Departure 1,500
Delayed Departure 1,500
Baggage 2,500
Personal Accident 20,000
Personal Liability 2,000,000
Legal Expenses 25,000
Annual
Europe
Family
Age: 18 - 29
Trip Days: 365
85
Medical Expenses 5,000,000
Cancellation 500
Missed Departure 500
Delayed Departure 300
Baggage 300
Personal Accident 0
Personal Liability 2,000,000
Legal Expenses 0