Staysure Travel Insurance - African Affairs

Staysure Travel Insurance 2025: The Ultimate Guide for UK Travelers

Updated: August 2025

Staysure Travel Insurance is one of the UK’s leading specialist insurers. Planning a trip when you have pre-existing medical conditions, are over 70+, or simply want robust protection? Since 2005, it has built its reputation offering high medical cover, no age limit, and clear policies.

This article explores everything you need to know from who it suits, what’s covered, real experiences, and how to apply for a safer journey.

Why Choose Staysure?
Policy Types & Ideal Customer Profiles
Medical and Pre-Existing Conditions Cover
What Staysure Covers vs What It Doesn’t
Claims, Cancellation & Limits
Real Customer Feedback & Reddit Insights
NHS Declaration Honesty Matters
Status in Awards & Trustpilot Scores
How to Get a Quote or Buy
Useful Tips & Things to Know
Final Verdict & Comparison Table

1. Why Choose Staysure?

Specialist medical policies: Designed for travelers with pre-existing medical conditions, regardless of age or complexity.
No upper age limit: Unlike many insurers, Staysure insures travelers well into their 80s or beyond.
Award‑winning: Voted “Best Company for Travel Insurance” at the British Travel Awards from 2016 through 2024.
Enormous positive feedback: More 5-star Trustpilot reviews than any other UK travel insurer (over 478,000 reviews, 82% five stars as of mid‑2025) (staysure.co.uk, staysure.co.uk, Trustpilot, The Sun, Trustpilot).

Staysure handles the complexity of medical-based cover and remains accessible and transparent, earning the trust of over 12 million travellers since 2005 (staysure.co.uk).

2. Policy Types & Ideal Customer Profiles of Staysure Travel Insurance

Staysure offers several tailored policy types:

Single‑Trip Insurance: Ideal for one-off vacations or business travel. Coverage starts immediately upon purchase.
Annual Multi‑Trip: Covers multiple journeys within 12 months with a maximum trip duration per policy type.
Medical Travel Insurance: Focused purely on medical emergencies great for travelers with expensive policies or frequent medical histories.

Additional add-ons include: Cruise Cover, Winter Sports Cover, Golf Cover, Gadget Insurance, Travel Disruption, Excess Waiver (The Times, staysure.co.uk).

Who is it for?

Those with pre‑existing medical conditions (e.g., heart issues, diabetes, chronic illnesses).
Senior travellers—Staysure insures people in their 70s, 80s, and beyond, with no age caps. Continued conditions and age-related pricing are handled transparently (The Times).
Travellers seeking high cancellation limits, medical evacuation, or luggage cover for valuable items.
Anyone wanting comprehensive coverage including supplier failure or travel disruption.

3. Medical and Pre‑Existing Conditions Cover for Staysure Travel Insurance

Declaration is Essential

Staysure specializes in policies for medical conditions but only if fully declared. Their support is part of the British Insurance Brokers’ Association medical directory (staysure.co.uk).

Reddit reports confirm Staysure’s responsiveness:

“We had this issue and used Staysure. We had to do it over the phone, but they insured my husband for everything except the thing he was on the waiting list for.” (Trustpilot, Reddit)

Another user compared Staysure favorably with Avanti:

“We’re UK‑based. We currently have a travel insurance policy with Avanti & have previously used Staysure. Neither has an upper age limit.” (Reddit)

What Must Be Declared?

According to a company‑commissioned study, one in six Brits admitted withholding medical details to save on premiums but this can void your policy if you claim:

Conditions such as menopause, weight‑loss medication, HRT, arthritic issues, or mental health must be declared. (The Sun)
Even seemingly minor changes (like weight‑loss meds or past hospital visits) should be disclosed—many believe they don’t matter, but insurers verify NHS records when claims are filed.

Staysure’s stance: honesty means claims won’t be invalidated, and premiums may not always rise even if you declare but failing to do so can leave you financially exposed. (The Sun)

4. What Staysure travel insurance Covers vs What It Doesn’t

Covered by Most Policies

Unlimited medical emergency expenses on Comprehensive or Signature policies (including repatriation and ambulance).
Cancellation and Curtailment Cover: From £500 on Basic policies up to £10,000 (or optional £15,000 upgrade) on Signature policies per person. (staysure.co.uk)
Baggage and personal items: Covers loss, theft, damage. Limits can reach £5,000 for lost baggage on higher tiers. (bedgut.com)
Missed departure and travel delay: Refunds accommodation, meals, or onward travel costs if you face delays beyond covered thresholds. (bedgut.com)
Pre-existing medical condition cover if declared.
Optional activity add-ons like winter sports, golf, cruise, gadgets, and disruption packages. (help.staysure.co.uk, staysure.co.uk)

Not Covered (Unless Specified)

Holidays cancelled for convenience or change of mind.
Elective cosmetic procedures abroad and their complications (unless specialist medical travel add-ons are in place). Staysure warns specifically against uninsured plastic surgery trips abroad, especially to countries like Turkey where medical evacuation can exceed £33,000. (The Times)
Undeclared medical conditions or omissions.
Trips against official FCO advice where covered reasons are not applicable.
High-risk sports (unless you’ve purchased winter sports or activity add-ons).

5. Claims, Cancellation & Limits for Staysure Travel Insurance

How Cancellation Cover Works

Basic policies offer typically up to £500 cancellation per person.
Signature multi‑trip or annual multi‑trip: up to £10,000 per person, optional upgrade to £15,000.
Claim limits, such as Jakki Crane’s, show why selecting appropriate coverage matters: she purchased Basic but had a £2,295 trip cancelled only £500 was covered. (Wikipedia, Reddit, The Times, staysure.co.uk)

Medical Claims & Emergency Assistance

Cover includes hospital bills, ambulance, repatriation (air ambulance if needed), treatment overseas, and hospital stay expenses.
24/7 emergency helpline assists globally.
Companion cover or repatriation for traveling friends/family if needed.

Missed Departure & Travel Delay

Claims stack for delays, missed connections, and associated expenses like further transport or meals depends on policy tier thresholds (12 hours for Basic, 6 for Signature). (staysure.co.uk)

Lost Luggage and Valuables

Up to £5,000 on higher-tier policies. Theft of personal items and cash usually limited unless extra cover is added. (bedgut.com, staysure.co.uk)

6. Real Customer Feedback & Reddit Insights on Staysure Travel Insurance

Trustpilot Overview

Over 478,000 reviews, 82% awarding 5‑stars. Many customers praise ease of use, friendly customer service, and transparency. (Trustpilot, Trustpilot)

Quoted reviews:

-“Best company I’ve found for those with medical issues.”
-“I spoke to your colleague … unfailingly helpful … wholly pleasant experience.” (staysure.co.uk)

Negative feedback often mentions long call hold times or minor admin fees for phone-based policy changes. (Trustpilot)

Reddit User Experiences

One user described difficulty insuring a chronic condition but succeeded via phone:

“Staysure … they insured my husband for everything except the thing he was on the waiting list for.” (Reddit)

Another stressed the lack of upper age limit and previous satisfaction:

“We’ve used Staysure in the past … It’s very hard to get any at that age.” (Reddit)

These anecdotal posts confirm that while policies may cost more, Staysure remains a viable choice for complex medical backgrounds or older travellers.

7. Why Honesty with Health Matters

A recent survey funded by Staysure revealed alarming findings:

1 in 6 British travelers admit to omitting medical conditions to secure cheaper insurance.
Conditions commonly undeclared: menopause/HRT, weight‑loss medications, blood pressure, surgeries, mental health issues.
70% believe insurers would verify health via NHS records. Many are unaware that such omissions can void cover. (The Sun)

Staysure urges full disclosure not only because it’s necessary, but because many conditions don’t affect premiums and fully declaring them protects you from claim rejection or massive medical bills abroad.

8. Awards & Trust Ratings at a Glance

British Travel Awards Winner – Best Travel Insurance 2016–2024. (The Sun, staysure.co.uk)
Trustpilot: 82% 5‑star reviews out of nearly 480k. More 5-star feedback than any other UK travel insurer (Trustpilot, Trustpilot).
Defaqto ratings: Excellent product with a comprehensive range of features and benefits (staysure.co.uk).

9. How to Get a Quote or Buy Staysure Travel Insurance

Visit the Staysure travel insurance website (Staysure) (staysure.co.uk, staysure.co.uk).
Enter basic personal details, travel dates, destinations, and medical history.
Choose the policy type: Single Trip, Annual Multi-Trip, or Medical-focused.
Add optional extras as needed (e.g., Cruise Cover, Winter Sports, Gadget insurance).
Review cancellation limits and medical coverage before purchase.
Buy online—documents delivered via email. For pre-existing conditions or complex histories, speak to support over the phone.

You can manage the policy via My Staysure portal online no call‑out fees for administrative changes (web changes free, phone may incur £15 fee) (help.staysure.co.uk, staysure.co.uk).

NEXT: Admiral Car Insurance

10. Useful Tips & Things to Know about Staysure Travel Insurance

Choose appropriate cancellation cover: Basic cover may be inexpensive, but cancellation claim limits (like £500) can be insufficient.
Full medical honesty: Even if unsure, declare pending conditions or recent GP visits—this protects your claim.
Check trip length restrictions—especially for Annual Multi-Trip (some policies limit duration to 104 days or less) (Reddit).
Allow flexibility in emergency cancellation due to FCO/private medical advice.
Read small print carefully: especially where elective surgery or cosmetic procedures abroad are concerned.
Store all communications (dates, names, reference numbers) in case of dispute.
Get a quote well before booking, and don’t rely on retrospective cover.

11. Final Verdict & Comparison Table

Feature	Staysure Travel Insurance
Pre‑existing condition cover	Typically covered with disclosure
Age limit	None
Cancellation cover	£500 to £10k/£15k (Signature tier)
Medical cover	Unlimited emergency medical & repatriation
Baggage cover	Up to £5,000 depending on level
Activities cover	Optional add-ons: Winter sports, cruise, golf
Customer satisfaction	82% Trustpilot; British Travel Award winner
Claims experience	Mostly positive; some report administrative delays
Price	Competitive, especially for medical travellers
Ease of purchase	Online + phone support; portal MyStaysure available

In Summary

Staysure Travel Insurance is a top choice for travellers with medical needs, older age, or complex histories. With strong medical cover limits, unlimited expenses, high cancellation cover, and industry accolades, it delivers serious reassurance.

-Full medical transparency is central declare everything you can
-Choose cancellation limits that reflect your holiday investment
-Use MyStaysure portal to make changes without fees
-For complex cases, calling to discuss over the phone is smart
-Always compare policies and read terms even small differences matter