Planning a vacation should be exciting – not a stress-filled worry about what could go wrong. That’s where Staysure travel insurance steps in as your trusted travel companion. With over 15 years of experience protecting adventurers worldwide, Staysure has become one of the UK’s leading specialists in travel coverage for all ages and medical conditions.
Understanding Staysure Travel Insurance
Staysure travel insurance delivers comprehensive protection through customizable policies designed for different travel needs. The company specializes in coverage for travelers over 50 years old with pre-existing medical conditions.
Coverage Options and Benefits
Staysure offers two primary insurance plans: Basic and Comprehensive. The Basic plan includes essential travel protection with coverage limits up to $5 million for medical emergencies. The Comprehensive plan extends coverage to $10 million plus additional benefits:
- Trip cancellation protection up to $5,000
- Lost baggage compensation up to $2,500
- Travel delay coverage of $500 per day
- Personal liability coverage of $2 million
- Legal expenses coverage up to $25,000
- Emergency medical evacuation worldwide
Medical Coverage Highlights
Staysure’s medical coverage accommodates over 300 pre-existing conditions including diabetes, heart conditions and cancer diagnoses. Key medical benefits include:
| Medical Benefit | Coverage Amount |
|---|---|
| Emergency Care | Up to $10 million |
| Hospital Cash | $75 per day |
| Dental Emergency | Up to $1,000 |
| Medical Equipment | Up to $2,500 |
| Prescription Replacement | Up to $500 |
The policies include 24/7 emergency assistance with direct billing to medical facilities in 90 countries. Medical screenings receive automatic approval through an online health assessment system.
Key Features of Staysure Policies
Staysure travel insurance stands out with specialized coverage options that protect travelers in multiple scenarios. The policies incorporate essential features tailored to specific traveler needs.
Pre-Existing Medical Conditions
Staysure covers over 300 pre-existing medical conditions through a straightforward online medical screening process. The coverage includes conditions like diabetes, heart conditions, high blood pressure, arthritis, cancer, asthma, and COPD. Travelers receive protection for medical expenses up to $10 million on comprehensive plans, including hospitalization costs, emergency treatments, prescription medications, and medical equipment. The policy extends to emergency dental procedures up to $750 per incident.
Trip Cancellation Protection
Comprehensive policies provide trip cancellation coverage up to $5,000 per person. The protection activates if travelers cancel due to illness, injury, death of family members, jury duty, or natural disasters. Coverage includes non-refundable travel expenses such as flights, accommodations, tours, and excursions. The policy reimburses prepaid costs when travelers face unexpected events like redundancy, home damage, or military deployment. Additional benefits include travel delay compensation up to $300 per day for meals and accommodations during extended delays.
Multi-Trip vs Single Trip Coverage Options
Staysure travel insurance offers distinct coverage options through single-trip and annual multi-trip policies. Single-trip insurance covers one specific journey up to 104 days, making it ideal for vacationers planning individual getaways. Annual multi-trip policies protect unlimited trips within a 12-month period, with each journey lasting up to 50 days.
The cost comparison between these options reveals significant savings potential:
| Policy Type | Best For | Maximum Duration | Average Cost Savings |
|---|---|---|---|
| Single Trip | One vacation | 104 days | Base price |
| Multi-Trip | 3+ trips/year | 50 days per trip | Up to 40% annually |
Multi-trip coverage includes these key features:
- Automatic protection for spontaneous travel
- Coverage in multiple destinations worldwide
- Consistent medical benefits across all trips
- Zero deductible options on comprehensive plans
Single-trip policies provide these advantages:
- Extended stay options up to 104 days
- Destination-specific coverage tailored to one location
- Flexible departure dates within 18 months of purchase
- One-time payment structure
The coverage limits remain identical for both policy types:
- Medical expenses up to $10 million
- Personal belongings protection up to $3,000
- Cancellation coverage up to $5,000
- Emergency dental care up to $750
- Number of planned trips within 12 months
- Average duration of each journey
- Total travel days per year
- Destination locations
- Travel frequency patterns
How to Get a Staysure Insurance Quote
Obtaining a Staysure travel insurance quote takes 5 minutes through their online platform. Travelers enter basic details including age, destination, trip dates, desired coverage level, and any pre-existing medical conditions.
The quote process follows these steps:
- Visit staysure.co.uk and select “Get a Quote”
- Choose between Single Trip or Annual Multi-Trip coverage
- Enter travel details (destination, dates, number of travelers)
- Complete the medical screening questionnaire
- Review coverage options and select additional benefits
- Receive instant quote with multiple plan options
The medical screening includes questions about:
- Current medications
- Recent hospitalizations
- Ongoing treatments
- Diagnosed conditions
- Recent medical procedures
Staysure’s online quote system provides three price tiers:
| Coverage Level | Medical Coverage | Trip Cancellation |
|---|---|---|
| Basic | $5 million | $1,500 |
| Comprehensive | $10 million | $5,000 |
| Premium | $15 million | $7,500 |
Payment options include:
- One-time payment by credit/debit card
- Monthly installments for annual policies
- PayPal transactions
- Bank transfers
Quotes remain valid for 30 days, allowing time to compare options. Coverage begins immediately after purchase with instant access to policy documents through the customer portal.
Making Claims with Staysure
Filing a claim with Staysure requires prompt action within 31 days of the incident. The claims process follows a structured approach to ensure efficient processing and fair compensation.
Claims Process Overview
Staysure’s claims process starts with an online submission through their dedicated claims portal. Policyholders log into their account at staysure.co.uk/claims to initiate the process. The portal guides users through a series of questions about the incident requiring 10-15 minutes to complete. After submission, Staysure’s claims team reviews the case within 24-48 hours. Each claim receives a unique reference number for tracking purposes. For medical emergencies abroad, Staysure operates a 24/7 emergency assistance line connecting travelers directly to medical professionals. The processing time ranges from 5-10 business days for standard claims to 15-20 days for complex medical cases.
Required Documentation
The claims process requires specific documentation to validate the claim:
- Medical claims: Doctor’s reports hospital bills treatment records prescriptions
- Cancellation claims: Booking confirmations cancellation invoices medical certificates
- Baggage claims: Police reports original purchase receipts proof of ownership
- Travel delay claims: Airline confirmation letters boarding passes alternative transport tickets
- Personal liability claims: Incident reports witness statements correspondence with third parties
- Emergency expenses: Original receipts proof of payment documentation of emergency circumstances
Documents must be submitted in English or accompanied by certified translations. Digital copies uploaded through the claims portal expedite processing time by 3-5 business days compared to postal submissions.
Cost Comparison and Value Analysis
Staysure travel insurance rates align competitively with market averages while offering enhanced coverage benefits. Basic single-trip policies start at $35 for travelers under 65, increasing to $75 for those over 65 with pre-existing conditions.
| Policy Type | Under 65 Cost | Over 65 Cost | Coverage Limit |
|---|---|---|---|
| Basic Single Trip | $35-$50 | $75-$125 | $5M Medical |
| Comprehensive Single | $65-$85 | $150-$200 | $10M Medical |
| Basic Annual Multi-Trip | $150 | $275 | $5M Medical |
| Comprehensive Annual | $225 | $375 | $10M Medical |
Premium policy features demonstrate substantial value through comprehensive coverage limits. Annual multi-trip policies generate savings of $200-$300 for travelers taking three or more trips yearly. A typical comprehensive policy costs 30% more than basic coverage yet provides double the medical coverage limit.
Price factors include:
- Destination location length
- Medical condition complexity
- Age group category
- Trip duration period
- Coverage level selection
Notable value additions include:
- Zero deductible options
- Free coverage for children under 18
- No age limit restrictions
- 24/7 emergency assistance access
- Online medical screening discounts
The cost effectiveness becomes apparent when comparing individual coverage components. Medical evacuation coverage alone amounts to $50,000, while similar standalone services cost $150-$300 separately.
Single-trip or annual multi-trip
Staysure travel insurance stands out as a comprehensive solution for travelers seeking reliable coverage backed by years of expertise. Their flexible policies cater to diverse needs with options ranging from basic to premium coverage levels.
The combination of extensive medical coverage competitive pricing and straightforward claims processing makes Staysure an attractive choice for travelers especially those over 50 or with pre-existing conditions. Their digital-first approach streamlines everything from getting quotes to filing claims ensuring a hassle-free experience.
Whether choosing single-trip or annual multi-trip coverage travelers can rest assured knowing they’re protected by one of the UK’s leading travel insurance providers. With Staysure’s commitment to customer service and comprehensive coverage options travelers can focus on enjoying their journey while leaving their worries behind.