Staysure travel insurance review

The following Staysure travel insurance review focuses on cover provided by one of the UK’s leading over 50s travel insurance provider.

Staysure travel insurance review highlights

  • No upper age limit
  • Up to unlimited cover on pre-existing medical conditions
  • 21 says winter sports included in comprehensive policies
  • Coronavirus travel insurance included as standard
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Who is Staysure?

Staysure is one of the UK’s leading holiday insurers founded in 2004. Based in Northampton, they specialise in providing travel insurance for over 50s with pre-existing medical conditions. In addition to their award winning travel insurance, Staysure also offer over 50 life cover, expat travel insurance and golf insurance.

What does Staysure travel insurance cover?

Staysure’s basic and comprehensive travel insurance covers a range of pre-existing medical conditions as standard. There’s no upper age limit and all Staysure policies cover over 80 activities and sports. Single trip and annual holiday insurance can be tailored to your needs or upgraded with a range of optional extras.  

Here’s how each option works:

Staysure single trip insurance

Staysure single trip insurance covers one trip of up to 104 days to multiple destinations. Their basic and comprehensive travel insurance includes the following services as standard:

Services Basic cover Comprehensive cover
Medical emergencies and repatriation Up to £5 million Unlimited
Cancellation Up to £500 Up to £5,000
Cutting holiday short Up to £500 Up to £5,000
Baggage cover Up to £300 Up to £2,500
Cash lost or stolen Up to £200 Up to £500
Personal liability   Up to £2 million
Legal protection   Up to £25,000
End supplier failure   £3,000
Excess £5 - £100 £65

Staysure comprehensive cover optional extras:

  • 100 day upgrade – allows under 70 year olds to extend their trip duration
  • Connecting flight cover – if you miss a connecting flight due to cancellation or delay
  • Excess waiver – means you don’t pay any excess in the event of a claim
  • Golf cover – covers non-professional golf
  • Terrorism cancellation cover – allows you to cancel your holiday if a terrorist attack has taken place within a 40 mile radius of your destination within 42 days of your arrival
  • European FCO travel advice extension – validates travel insurance to Europe if the FCO has advised against it
  • Cruise cover plus –  includes protection against being unable to dock at a scheduled port due to bad weather and cabin confinement
  • Gadget cover – up to £1,000 for an unlimited number of gadgets
  • Single item cover – up to £1,000 cover for a specified item
  • Winter sports – covers medical expenses or loss or damage to equipment (21 days cover included as standard in comprehensive policies)

Staysure annual travel insurance

Staysure’s annual insurance has the same cover levels as their single trip insurance. The big difference is with annual insurance, you’re covered for multiple trips over a whole year. Each single trip is limited to 50 days for under 70 year olds and 35 days for those over 70.

Depending on your travel plans, with Staysure’s annual holiday insurance you can choose to cover trips to the following regions:

  • UK & Europe – excluding Cyprus, Egypt, Greece, Malta, Morocco, Spain, Tunisia and Turkey
  • All of Europe
  • Worldwide – excluding Bermuda, Canada, the Caribbean, China, Hong Kong, Mexico, Thailand and the USA
  • Worldwide – All countries

Does Staysure offer coronavirus travel insurance cover for over 50s?

Staysure include covid-19 travel insurance in all single trip and annual policies. Coronavirus insurance includes cancellation cover if you’re diagnosed with Covid-19 within 14 days of travel. Plus up to unlimited emergency medical expenses and repatriation fees if you contract the illness whilst on holiday.   

You will not be covered for trips to countries listed as places to avoid by the FCO and you must mention any pre-existing conditions when you apply, as failure to do so could invalidate your policy.

staysure over 50s travel insurance

How much does Staysure travel insurance cost?

The cost of Staysure holiday insurance depends on where you are traveling to, your age, health and whether you prefer basic or comprehensive cover. For example, single trip insurance for a 60 year old traveling to Spain currently costs £9.98 for basic cover, or £12.99 for comprehensive.

If you prefer annual cover, you should expect to pay £29.99 for basic or £39.99 for comprehensive. The excess is £65 for basic policies or £100 for comprehensive, no plans include cruise cover but Staysure’s annual comprehensive policy includes winter sports.

You will then pay more if you choose to enhance your policy with one of the optional extras. For example, on an annual policy, single item cover is available from £9.11, whilst connecting flight insurance will cost you an additional £29.95.

What is the Staysure claims process?

Staysure claims can be made over the phone to their emergency or general claims line or via their online claims process. You’ll need your validation certificate and any documents that support your claim. If your claim is connected to Covid-19, Staysure will also require a copy of your test results.

Am I eligible for Staysure travel insurance?

Although Staysure specialise in over 50 holiday insurance with no upper age limit, all ages are eligible. They accept a wide range of pre-existing medical conditions but may exclude certain illnesses. Staysure may also insure you if you’re undergoing tests however your doctor must be happy for you to travel.

Is Staysure travel insurance any good?

Staysure travel insurance has an excellent review rating of 4.7 out of 5 on Trustpilot. They also have a 5 star Defaqto rating for their comprehensive travel insurance and 3 stars for their basic policy. This is not surprising considering Staysure’s comprehensive insurance provides a higher level of cover.

In addition, consumer champion Which? rates Staysure 5th out of 40 insurers. So Staysure offer a good reliable service and specialise in providing cover for over 50s with pre-existing health conditions.

You have the flexibility to tailor the insurance to suit your needs with the optional extras however do be aware this will of course impact the price you pay.

How to get a Staysure travel insurance quote

To get a Staysure travel insurance quote, visit their website for more details.

Alternatively, to compare travel insurance quotes with leading insurers, use our free, easy to use online comparison service.

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Frequently asked questions

Is Staysure travel insurance reliable?

Staysure travel insurance is reliable with an excellent review rating of 4.7 on Trustpilot. They were winners of the 2019 British Travel Awards and Staysure’s comprehensive holiday insurance is 5 star Defaqto rated. This means that Staysure is a reputable company, highly rated by customers and industry experts alike.  

Who is Staysure underwritten by?

Staysure is a trading name of TICORP Ltd which is the company that arranges their insurance.

Are Staysure and Avanti the same company?

Avanti insurance was founded in Essex in 2009 and acquired by Staysure in 2017. Therefore, Avanti and Staysure are part of the TICORP Ltd trading group however both operate as standalone businesses.

Can I cancel my Staysure insurance?

You can cancel your Staysure holiday insurance within 14 days of purchase and receive a refund minus any admin fees. You are not entitled to a refund after this period however Staysure will use its discretion in exceptional circumstances, for example bereavement or a change in medical condition.

Updated 10th September 2020
by Ashley Shepherd
Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

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