Staysure Travel Insurance Review

Staysure Travel Insurance Review

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With the Brexit deadline almost upon us and the current coronavirus pandemic, choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

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.

Who are Staysure Travel Insurance

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.

How to Buy Travel Insurance from Staysure Travel Insurance

Click on the website link to go directly to the insurance providers website. Visit Staysure Travel Insurance's Website and Get a Quotation direct

How Staysure Travel Insurance 's Policies have been ranked using our star rating formula?

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.

Single Trip Policy Ratings Click to Expand

We have reviewed 2 Single Trip Policies from Staysure Travel Insurance. They are - Comprehensive - Basic. We have rated these as follows:-

Rating for Single Trip Comprehensive:

Rating for Single Trip Basic:

Staysure Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Staysure Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from Staysure Travel Insurance. They are - Comprehensive - Basic. We have rated these as follows:-

Rating for Annual Comprehensive:

Rating for Annual Basic:

Staysure Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Staysure Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about Staysure Travel Insurance's policy wording

1. What is the age/classification of a child on the policy?

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.

2. What are the policy age limits?

Single trip policies - No age limit

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

3. What are the policy Trip Duration limits?

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.

4. What are the options for Winter Sports cover?

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.

5. What is classed as a family and how many people can be quoted for?

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.

6. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

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.

7. What is covered under Sports and Activities on the policy?

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.

8. What are the policy Alcohol Exclusion terms?

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

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

Comprehensive policy includes cover for end supplier failure as standard.

10. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

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.

11. What are the policy rules on travelling when pregnant?

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.

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

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).

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

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.

14. What does the policy cover in the event of war, terrorism or cyber attack?

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.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

Comprehensive Travel Disruption cover available as an option.

16. Do I have to be a UK resident to be covered under this policy?

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.

Staysure Travel Insurance's Mystery Shopping Ratings

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.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Staysure Policies

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.

  • No age limit on single trip policies
  • Winter sports can be included up to the age of 70
  • Comprehensive policy includes cover for end supplier failure
  • Pre existing medical conditions can be quoted for online during the quotation process
  • Option to include terrorism cancellation cover
  • Annual travel policies limited to 183 days total travel

What Cover do Staysure policies offer.

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.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Basic

    Annual

    Comprehensive

    Annual

    Comprehensive

    Single Trip

    Basic

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    85

    65

    65

    85

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    10,000,000

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    500

    5,000

    5,000

    500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    20,000

    20,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    300

    2,500

    2,500

    300

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    400

    400

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    500

    500

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    500

    500

    300

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    25,000

    25,000

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    20,000

    20,000

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    500

    500

    300

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    1,000

    1,000

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    400

    400

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    150

    150

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    1,500

    1,500

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    1,500

    1,500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    350

    350

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    5,000

    5,000

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    Y

    Y

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

Sample Quotes from Staysure Travel Insurance.

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)

Family

Age: 40 - 49

Trip Days: 7

Staysure  Travel Insurance Review
Product Rating

Experience Rating

Comprehensive

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

Individual

Age: 65 - 70

Trip Days: 14

Staysure  Travel Insurance Review
Product Rating

Experience Rating

Comprehensive

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

Worldwide (Excluding USA & Canada)

Couple

Age: 30 - 39

Trip Days: 365

Staysure  Travel Insurance Review
Product Rating

Experience Rating

Comprehensive

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

Worldwide

Family

Age: 18 - 29

Trip Days: 365

Staysure  Travel Insurance Review
Product Rating

Experience Rating

Basic

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