Staysure were ranked 23rd out of 44 in a review of travel insurance companies carried out by Fairer Finance. In 2013, Staysure won Best Customer Service category at the UK Broker Awards. So while Staysure’s policies may not be the cheapest, their reputation suggests they are a reliable option when choosing travel insurance.
You can get a quote at the Staysure website.
Overview of the cover provided by Staysure Travel Insurance policies
Staysure are a specialist insurance provider for the over 50s. This is not to say that they offer insurance exclusively for over 50s – their policies are available for anyone between the ages of 0 and 85 (there is no upper age limit on single trips) – but for a number of reasons their policies may be particularly suitable for over 50s.
For example, all of Staysure’s policies offer cover for a range of pre-existing medical conditions, many of which are likely to be more common in older people.
Also, while Staysure provide insurance across a range of categories (e.g. car, home contents) they are most well known as a travel insurance company.
Staysure keep things simple, offering a total of four policies: two for single-trip, two for annual holiday (multi trip) cover. These four policies are:
There are then a number of ‘optional extras’ (sometimes referred to as extensions or enhancements) such as winter sports, golf or wedding cover, which may be added to certain policies.
Does Staysure offer travel insurance for pre-existing medical conditions?
Yes. In fact, Staysure advertise themselves as “experts in cover for pre-existing medical conditions”.
One standout feature of Staysure travel insurance is that all of their policies cover more than 60 medical conditions automatically – i.e. at no extra charge. These are referred to in their policy documents as ‘Waived Medical Conditions’. Most of these are milder conditions, or milder forms of more serious conditions (e.g. Knee / Hip replacements are included in this list, but only if there is no related arthritis)
More serious conditions – such as high blood pressure, cancer, or heart conditions – will not be covered automatically, and are therefore almost certain to carry an additional cost.
Staysure’s Basics policy covers medical emergencies and repatriation claims up to £5m and baggage claims up to £200. With Staysure Comprehensive, this cover is increased to £10m. Comprehensive also covers trip cancellation, curtailment and interruption up to £3,000 (those features do not come as standard with the Basics policy, but can be added as extended cover) as well as increasing baggage cover tenfold to £2,000.
How much does Travel Insurance from Staysure cost?
With almost all travel insurance companies, the cost of travel insurance varies widely depending on a number of factors, such as the number of people travelling, their age(s), the destination(s) of travel and the duration of stay. But to give you an indication, we obtained the following quotes via their website:
Annual Travel Insurance, Worldwide – a couple in their 50s
• BASIC: cost = £111.78; excess = £85 for most claims cancellation = up to £500; baggage = £300
• COMPREHENSIVE cost = £160.26; excess = £85; cancellation = up to £5,000; baggage = up tp £2,500
Staysure’s policies don’t appear in many price comparison tables – why is this?
Not all travel insurance providers choose to make their rates available via (some or all) price comparison websites, and this appears to be the case with Staysure. This does not mean that their prices are not competitive – sometimes the best deals can be found by going direct to an insurance provider, rather than through a price comparison site.
You can read more about price comparison tables for travel insurance here.
What We Say
Staysure have many positive features, but they are growing rapidly, which means customers are placing their trust in the company.
They have had some IT security issues. The chief executive apologised and, once aware of the issue, Staysure claims that it followed the proper procedure with regulatory and legal bodies. Some customers felt that they did not act quickly enough, however, Staysure recognised the inconvenience and compensated these customers with a free subscription to a credit agency data monitoring service.
What Staysure Customers Say
Staysure scores 7.9 out of 10 from 744 reviews of Trustpilot and 3.7 out of 5 from 453 reviews on Reviewcentre.com, where it is the highest rated travel insurer.
What the Expert Reviews Say
Fairer Finance, a service set up to help consumers choose the best financial products, ranks insurers based on what customers think of the brand, how good they are at handling complaints, and how transparent they are.
Of the 44 travel insurance providers reviewed by Fairer Finance, Staysure were ranked 23rd, with an overall score of 50%.
Defaqto (an independent financial researcher) gives products Star Ratings.
A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.
A 5 Star rated product has “an excellent product with a comprehensive range of features and benefits".
Staysure Comprehensive = 5 Star
Staysure Basic (£3,000 and £5,000 cancellation) = 3 Star
Staysure Basic (£1,000 cancellation) = 2 Star
Staysure Comprehensive = 5 Star
Staysure Basic = 3 Star
If so, get a quote with Staysure here.
If not, then perhaps read our other travel insurance reviews - this article on Staysure Travel Insurance is just one of a series of reviews we are featuring on different travel insurance companies and the policies they offer.