staysure travel insurance usa

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.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  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 review

In this article

Staysure travel insurance overview

Does staysure offer the best travel insurance, how good are staysure's travel insurance policies, how good is staysure at handling claims, staysure travel insurance: how can i claim.

Staysure was formed in 2004, specialising in cover for over-50s with pre-existing medical conditions , though its policies are available to younger customers too. 

We've reviewed three of its policies: Signature (most comprehensive), Comprehensive, and Basic (least comprehensive).

Staysure travel insurance is underwritten by Great Lakes Insurance UK Limited.

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Find out more on the  best travel insurance policies in the UK here . 

We've rated dozens of insurers on their policies and, where possible, claims service. 

Members can log in to read our full reviews. If you're not already a member, join Which? and get full access to these results and all our reviews.

How we analyse travel insurance

We analyse and rate 67 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and factor this in when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then adjust the impact the more and less important elements have on the overall policy score.

Members can log in  to read our full policy analysis. 

If you're not already a member,  join Which?  and get full access to these results and all our reviews.

We've rated three levels of cover available from Staysure: Signature, Comprehensive and Basic.

With 80%, Signature was one of the top-scoring policies in our analysis. The average policy score was 64%. 

If you've sunk significant amounts into your holiday plans, the Signature policy offers some of the highest levels of cancellation cover available – up to £15,000. In addition, there are no excesses for medical, cancellation or baggage claims. 

The policy isn't as generous as some for unexpected events that could disrupt travel on a wide scale, with terrorism excluded.

The Signature policy is one of 11 (out of 161 policies reviewed) that doesn't place a cash limit on its medical expenses cover, though there is a £500 cap on what it will pay for dental emergency claims.

Comprehensive and Basic policies

With slightly lower levels of cover in some areas (and excesses of £65 payable per person per claim), Comprehensive scored 72%, which is still in the top fifth of the 161 policies we reviewed.  

Conversely, the Basic policy scored 52%, putting it in the bottom fifth of products we rated. As the low score implies, the policy has reduced cover levels, higher excesses and lacks some features (such as legal expenses cover) that the more expensive Staysure policies included.

Staysure travel insurance: Key cover areas rated

Staysure signature.

Table last updated in June 2023. Next update in June 2024.

The latest data from the Financial Conduct Authority shows that Great Lakes Insurance – Staysure's underwriter – accepted 70-75% of claims made on annual European policies in 2022, which is just under the average rate of 76%

Great Lakes paid 65-70% of claims made on annual worldwide policies – lower than the average of 82%

It paid 55-60% of claims made on single trip policies, less than the industry average of 73%

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For medical emergencies abroad call (+44) 1403 288 414 or +1 844 780 0639 in America and +1 819 780 0639  in   Canada.

For other claims, call 01403 288 410 .

Before calling, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

• Find out more:  how to claim on your travel insurance

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