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Staysure Travel Insurance: Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Navigating the world of travel insurance can often seem daunting. With countless providers on the market, each with their unique offerings and caveats, finding the right fit can be tricky.

If you’re considering Staysure for your next adventure, you’ve landed in the right place.

In this comprehensive guide, we’ll delve into everything you need to know about Staysure Travel Insurance.

In this article...

Who is Staysure?

Founded in 2004, Staysure has grown to become one of the UK’s most prominent insurance providers, especially well-known for their tailored policies for over-50s and people with pre-existing medical conditions.

The company’s mission is to provide comprehensive yet affordable coverage , ensuring you can travel with peace of mind, regardless of your age or health status.

With a customer-first approach, Staysure has garnered a vast and loyal customer base and has consistently won awards for its service.

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✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does Staysure Travel Insurance Cover?

Staysure offers a range of policies with varying levels of coverage, allowing you to choose a plan that best suits your needs. Here are the primary types of cover provided:

• Medical Emergencies: Staysure offers extensive medical coverage, which is especially useful for travelers with pre-existing medical conditions. The policies cover hospital charges, medication costs, and even repatriation if necessary.
• Cancellation and Curtailment: Should unforeseen circumstances force you to cancel or cut your trip short, Staysure’s policy has you covered for lost deposits and non-refundable expenses.
• Baggage Loss: If your personal belongings are lost, stolen, or damaged during your trip, Staysure provides compensation up to a certain limit.
• Travel Delays and Disruptions: If your journey is disrupted due to factors outside your control, such as strikes, adverse weather, or failure of public transport, Staysure provides coverage.
• Personal Liability: If you’re legally responsible for causing injury or damaging property, Staysure offers coverage to help manage the costs.

Why Choose Staysure Travel Insurance?

One might ask, “Why should I choose Staysure over the multitude of other providers?” Here are some factors that set Staysure apart:

• Tailored Coverage for Over-50s: Staysure specializes in offering comprehensive travel insurance for mature travelers, making it a popular choice for the over-50s demographic.
• Coverage for Pre-existing Medical Conditions: Many insurers do not cover pre-existing medical conditions, or they charge hefty premiums to do so. However, Staysure prides itself on providing inclusive policies that consider a range of medical conditions.
• 24/7 Medical Emergency Support: You can travel with peace of mind, knowing that should you need it, Staysure offers round-the-clock medical support.
• Flexible Policy Options: Staysure provides options for single trips, annual multi-trips, and long-stay coverage, allowing you to choose the policy that best fits your travel plans .

Staysure Travel Insurance: Customer Reviews

When it comes to gauging the quality and reliability of a service, there’s no better source than customer reviews. Staysure, with its Trustpilot rating of 4.8 out of 5, is lauded for its customer service, comprehensive coverage , and ease of use.

Many reviews highlight the empathetic and efficient customer service during the claims process. Customers also appreciate the simple and straightforward process of policy purchase and renewal.

However, as with all services, Staysure is not without criticism. Some customers have raised concerns over premium hikes upon renewal, especially for travelers with existing medical conditions.

It’s always important to read all terms and conditions and understand the price structure before committing to a policy.

Staysure Travel Insurance vs. Other Providers

Every travel insurance provider has its strengths and weaknesses, and Staysure is no exception. It shines in its comprehensive coverage, specifically tailored to the over-50s and those with pre-existing medical conditions.

However, younger travelers or those in excellent health may find more competitive rates with other insurers. Therefore, it’s crucial to shop around and compare policies before making a decision.

In the end, the best travel insurance for you will depend on your personal needs, travel plans, and budget. Consider what aspects of coverage are most important to you and choose a policy that ticks all your boxes.

Whether that’s Staysure or another provider, the important thing is that you travel with the peace of mind you deserve.

So, there you have it. Hopefully, you now have a better understanding of Staysure Travel Insurance and can make an informed decision about whether it’s the right choice for your travel needs.

Remember, the best travel insurance policy is the one that gives you the coverage you need at a price you can afford. Safe travels!

FAQs about Staysure Travel Insurance

Does Staysure cover COVID-19 related claims? Yes, Staysure offers coverage for COVID-19 related claims under certain conditions. Be sure to check their policy details for the latest information.

Can I get a Staysure policy if I have a pre-existing medical condition? Yes, one of Staysure’s key offerings is coverage for those with pre-existing medical conditions. However, you must declare all conditions during the application process.

What should I do if I need to make a claim with Staysure? If you need to make a claim, you should contact Staysure’s claims department as soon as possible. Keep all relevant documentation, as you’ll need it to support your claim.

Can I get coverage from Staysure if I’m over 70? Yes, Staysure offers travel insurance for all ages, with no upper age limit on their policies.

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Staysure Travel Insurance   Reviews

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Reviews 4.7.

362,466 total

Most relevant

Quotation was very good. Staysure's understanding of midnight on certain day is confusing

Quotation was very good, especially the comprehensive cover. However, when trying to apply discount code at 08.25 hrs on 30th April, which was advertised as being valid till midnight on 30th April 2024, I was told that it expired at 00.01 hours on the 30th April!! A clearer way to advertise would have been to say that the offer was valid till 2359 hrs on 29th April. Would have been five stars had I not had to argue my case. Telesales person was really understanding and helpful.

Date of experience : 30 April 2024

A friend recommended Staysure Insurance…

A friend recommended Staysure Insurance to me. I went on line, and it couldn't have been easier. To navigate round the site is straight-forward, I compared both the 'single' trip and 'multiple' trip options and made my decision. The whole procedure took no more than about 30 minutes to complete.

Date of experience : 29 April 2024

Holiday Insurance

I have just taken out a multi trip travel policy for my wife and I which required some pre existing medical cover. The form filling process was straightforward and prices came out very reasonable and also had a 20% discount code. This is the 3rd time I have used Staysure and although I have fortunately never had to make a claim, I have been very happy with the service and would definitely use them again.

Easy, quick, straightforward and good value

Really easy, quick and straightforward process. I switched to Staysure last year after I forgot to renew with my previous insurer, who I’d been with for 15 years or so, and they then wouldn’t cover me for a one-off trip that didn’t start in the UK. Staysure had no difficulty offering me cover and I am happy to have now purchased an annual policy with them, which I envisage renewing annually.

Renewal was easy and price was right.

I renewed my policy because it was cheaper than anywhere else even after a hefty increase from last year. They are aware of my medical issues so I am fully covered. Communication was easy.

I have always used Staysure Travel…

I have always used Staysure Travel Insurance. Thankfully I have not had to claim anything, however it has always been easy to renew. At the age of 70+ using social media can be challenging but with this Insurance it has been easy.

Date of experience : 22 April 2024

I had opted out of auto renewal

I had opted out of auto renewal of the existing policy as I would not be travelling anywhere for at least 5 months, but they took the renewal amount of £613 anyway from my account! I Complained to them and was told they don't know how it happened.....but I would have to wait up to 5 working days for it to be refunded to my account!!!!! not at all happy

Date of experience : 27 April 2024

We renewed our annual travel insurance. There were some minor changes I reviewed with the agent and it was deemed it would not affect the cost, so pleased with that. Have booked for 6 years straight now with Staysure and found them to be competitive and competent.

Gives peace of mind

Luckily haven’t had to make use of Staysure services so far ,but good to know they are there if needed. Willing to insure older people like myself , so i feel happy to visit my son ( my only relative) who lives abroad

Satisfaction

Lady extremely helpful. Answered all my questions, explaining things as we went along. Was very patient with me, Felt lady was efficient and knew exactly what she was talking about.

Easy to buy travel insurance online

Easy to buy travel insurance online. We use staysure every trip and even with existing health problems we find staysure reasonable on price and we are covered for the important things we need.

Being an older couple and now not doing…

Being an older couple and now not doing long haul, my premium has been lowered to a more favourable one . . . very understanding company, pleasure to do business

Our insurance was set for auto renewal

Our insurance was set for auto renewal, any doubts or questions we had were just a friendly phone call away,so if you have the misfortune of needing to use the insurance, you will have the help of a human,not text messages. The cost of renewal was very competitive when compared to other travel insurance's. My only little gripe would be that if I was a new customer, we could get it cheaper than being a loyal renewal customer.

If your 80its easy to understand on line everything was straight forward

Quick simple reading and questions easy to understand and answer.Everything you could want for this 80year old on line ,so price was as expected for full coverage.

I always use you as we have pre…

I always use you as we have pre existing medical conditions. I have never had to claim so I don't know about that but I always have peace of mind that I have the cover and I have no reason to believe/not hope/expect that a claim would be handled properly

Staysure gives relevant info throughout insurance term in a professional manner

Now in 2nd year with Staysure insurance. They send appropriate and accurate information throughout the term of insurance. Smooth process and easy to check policy at any time on line.

Date of experience : 23 April 2024

Very good cover and competitively priced

Was very happy with the website and the ease of getting a quote. I have a pre-existing medical condition and it was reassuring to be able to declare this as part of the application process. I had also got a quotation using a comparison website but Staysure was still the best quote. Would recommend.

Great online and staff support

Have just renewed extended stay travel insurance with Staysure, they provide and easy to use extended stay insurance. They provided an easy to use online system and a very helpful telephone assistant who helped provide the package that suited.

I wish I'd found Staysure earlier.

An informative website with the information required in an accessible format. When I needed to speak with someone, Amy knew the product and was able to explain clearly what I needed to know before I committed.

Easy to use website

Easy to use website, however it would be nice ii the medical conditions carried over from our old policy rather than having to type them in again

Great savings with the UK’s best travel insurance provider

Looking for travel with peace of mind? Whether you’re relaxing by the beach in Italy or jet-setting on a safari trip in Africa, it’s important to make sure you’re properly covered on your holiday.

Why choose Staysure Travel Insurance?

• Pre-existing medical condition cover
• Unlimited medical emergency and repatriation
• Up to £10,000 cancellation
• No upper age limit
• Various activities covered on the standard policy

Buy now and get 20% ‡ off your travel insurance, just quote RSTL at the point of purchase.

How it works

Enter your details.

Fill in your basic information and details about your travel.

Get a no-obligation quote

Pick a cover level that best suits your needs. You can tailor your quote with any optional extras to cover your plans.

Complete payment 

Review your policy details and complete the payment. Remember to use code RSTL to get 20% ‡ off your travel insurance.

Travel with the UK’s best travel insurance

Rest Less have partnered with award-winning travel insurance provider, Staysure, to support you with high-quality travel insurance, tailored to suit your needs. They are the market leaders when it comes to travel insurance, specialising in pre-existing medical conditions.

Staysure believe that if something is worth doing, then it’s worth doing right. That’s why their customers have voted them the UK’s Best Travel Insurance Provider at the British Travel Awards, six years in a row! They’ve also got more 5-star reviews on Trustpilot than any other travel insurance provider.

• Rated as Excellent by over 240,000 people on Trustpilot
• Simple online quote process
• UK contact centres open 7 days a week

We’ll be by your side

Denise and Michael weren’t expecting to need to claim when they renewed their travel insurance with us. In fact, they’d never made a medical claim before.

When Denise fell and needed emergency medical support while on holiday, we were by her side every step of the way.

They called our 24-hour medical emergency support number which is available around the world. Due to Denise’s pre-existing medical conditions, we decided that it would be better for her to be flown home to receive the care she needed.

By helping to create a policy that covers your needs, we can take the worry away at a stressful time when you do need to claim.

So should the worst happen and you need to claim, you’ll have peace of mind with our tailored plans – just like Denise and Michael.

How to get the best travel insurance policy

Travel insurance can provide valuable peace of mind and taking out cover at the same time as you book your trip means that you’ll be protected from that moment onwards until your return. This means that you will be protected if you aren’t able to travel due to unforeseen circumstances.

Here, we explain what you need to know about finding the right policy to suit your needs, what affects the price of travel insurance, and top tips to keep the cost of cover down.

How to get the right travel insurance policy for you

Staysure Travel Insurance

The UK’s Best Travel Insurance

Voted Best Travel Company for Travel Insurance for seven consecutive years by the British Travel Awards, Staysure Travel Insurance stands out with its award-winning service and comprehensive policies. Available to travellers of all ages, Staysure’s extensive packages encompass everything from lost baggage and trip cancellations to natural disasters and medical emergencies, including pre-existing medical conditions. 

We've partnered with Staysure to offer you full-coverage travel insurance tailored to your needs. Book your travel insurance with Staysure at Kenwood Travel, and you can get up to 20% off your next policy with Staysure using discount code KT20.

*Discount does not apply to medical screening or add-on costs. New policies only.  T&C’s apply

A policy from Staysure covers you for:

Use Code KT10 Get a quote online, or call Staysure on 0800 033 4959.

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Staysure Discount Code - Save 22% in May 2024

2.9 out of 5 stars from 10 votes

Valid codes live: 20

Staysure, established in 2004, safeguards UK travellers with versatile insurance. Covering 99% of global destinations, they offer single and annual multi-trip plans. With high customer satisfaction, their comprehensive coverage caters to diverse situations. Enhance savings on your next Staysure insurance using a discount code.

Find out how The Sun helps you save • How to use your Staysure promo code • Savings options at Staysure • Products you can get Staysure discount codes for • What are the best times of the year to save?

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Staysure Vouchers - May 2024

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Find out how The Sun helps you save

Want to know more about The Sun voucher codes? Go behind-the-scenes of our process to see how we find the best discounts for you.

How to use your Staysure promo code

When you want to use your Staysure code, follow the guide below to help you save:

How to apply your code at the checkout:

Choose a top-saving Staysure discount code and copy it.

Go to the Staysure site, click 'Get Quote,' and customise your policy.

Provide details and complete medical forms on the travel details page.

On the quote results page, paste the voucher in the promo box for a reduced price.

If your code isn't working, check the following:

Did you enter your Staysure promo code correctly without formatting errors and spelling mistakes?

Does your voucher apply to the region or country you intend to visit?

Did you check if the discount code applies to the level of coverage you require for your travel?

Did you meet the specific requirements of the discount, like the minimum cover amount?

What to do when no coupons are online:

Check the expired Staysure coupons on our page; some vouchers work after expiry.

Regularly refresh our coupons page for the latest deals added.

Find other shops that offer travel insurance on our page and take advantage of our promo codes to help you save.

Savings options at Staysure

Staysure offers multiple ways to save money on your travel cover. Some of our favourite ways to save include:

Staysure promo codes:

Save money on your travel cover with Staysure voucher codes. With our discount codes, you can get a price cut of 15% off your travel cover .

Staysure refer a friend programme:

Take advantage of the referral programme to invite your friend to take a travel cover at Staysure. You will receive a £10 Marks & Spencer gift card for every successful referral. Your friends will also enjoy a 20% discount on their first cover .

Staysure prize draws:

Staysure hosts multiple draws throughout the year with gift vouchers and discounts on insurance covers up for grabs. In a recent draw, the prize was a £3,000 Love2 Shop gift card and a discount on single and annual travel covers.

Products you can get Staysure discount codes for

Staysure provides travel cover for travellers visiting various destinations. You can take a single trip cover for one trip or get an annual cover for the whole family if you travel often. Some of the ways to save at the shop using our discount codes include:

Staysure single-trip travel insurance – enjoy a 15% discount on single-trip travel covers.

Staysure annual multi-trip policy – get a 15% bargain on the base price of an annual multi-trip policy.

Staysure cancellation cover – receive an annual cancellation cover of up to £5,000 with the annual travel insurance.

What are the best times of the year to save?

The Staysure Black Friday sale

Are you planning to go on a holiday trip with your family? Take advantage of the Black Friday sale at Staysure to get a discount on your travel insurance coverage. You can enjoy price cuts of up to 20% off single and annual trip cover or deals on medical expenses cover. With a Staysure discount code, you can grab extra bargains.

Staysure seasonal sale

Whether you have summer or winter holidays to plan, Staysure got you covered with the best travel insurance. Get deals on insurance covers with their seasonal bargains. For instance, New Year deals provide discounts of up to 20% off travel insurance and prize draws with gift vouchers. Be sure to use a Staysure voucher code to increase your savings.

Valentine's Day sale at Staysure

For pampering or countryside escapes, get suitable Staysure insurance. Valentine's Day giveaways slash single-trip costs and offer insurance package discounts. Participate for potential gift vouchers. Use your Staysure discount code to save more.

Staysure deals, discounts and more information

Staysure customer services.

Travelling should be adventurous and hassle-free, especially if you are going for a holiday or a short city break. Staysure provides travel insurance to ensure you have a good time on your holiday. If you need help purchasing a travel insurance cover or making a claim, contact the friendly customer service team by phone. You can use the live chat button to get answers to your questions. The customer service team also assists with medical emergencies and repatriation when you are away from home. Check the Staysure emergency helpline numbers for countries outside the UK.

How to make a claim

Was your trip cancelled or cut short due to an emergency? Travel delays and cancellations are frustrating when you are on holiday. Fortunately, if you took a travel insurance cover, you can make a claim with Staysure. Before submitting a claim, ensure you attach the necessary documents to support your claims to receive the assistance you need. For instance, provide the correct insurance policy number and digital copies of receipts and documents that support your claim. To make a cancellation claim, you need the booking and cancellation invoice. However, before you make a claim on cancellation, you should first contact the airline and your travel agent.

How do I return an item at Staysure?

There is no Staysure returns policy, but you can cancel or amend your travel insurance coverage. Some of the guidelines for cancelling or amending your policy include:

You can amend your insurance policy by changing the destination and traveller information and adding cover options. You will receive a new document with the amendments.

When you take a policy, you have a 14-day cooling-off period. You can cancel the policy within 14 days and receive a full refund.

The annual policy is auto-renewed, and you will receive a 21-day notification before the renewal. You can cancel your policy if you don't want to renew.

Timing your saving opportunities perfectly

We've reviewed last year's discounts to give you all the information you need to secure a fantastic discount, including the best times to shop at Staysure.

These are the months you should keep in mind

The more you save, the better: Staysure had the best bargains in January.

More vouchers were added from June to August than any other time.

Comparisons pay off

We would like to give you an idea of the typical savings you can expect at Staysure by presenting the following deal to you.

Prepare for about 19% discount

Anything close to 19% or higher should activate your money-saving instincts. By the way, many promo codes are at a similar level: the biggest price reduction at Staysure was 20%.

Make sure you are familiar with the details

Mostly, the redemption of the voucher at Staysure is only available after you spend a required minimum amount.

Let's go: good luck spotting excellent chances to save big!

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