Staysure Travel Insurance at a Glance: Key Features & Ratings
Overview of Staysure’s Policy Options in 2024/2025
Staysure is one of the UK’s leading travel insurance providers, particularly renowned for its focus on seniors and travelers with pre-existing medical conditions. In 2024/2025, Staysure offers three main tiers:
- Basic: Core cover, limited cancellation and baggage protection.
- Comprehensive: Higher coverage levels for cancellation, baggage, and medical emergencies.
- Signature: Premium protection, higher cover limits, and additional perks.
All tiers cover most pre-existing medical conditions, offer unlimited medical emergency expenses, and feature optional add-ons such as winter sports, cruise cover, COVID-19 cover, and gadget protection. Annual multi-trip policies offer value for regular travelers, with discounts for multi-person cover.
Example average premiums for age 70, single trip (Europe):
- Basic: £21.53 – £84.29
- Comprehensive: £31.75 – £107.02
- Signature: £43.70 – £161.43
Defaqto and Industry Star Ratings Explained
Staysure consistently receives industry-recognized five-star Defaqto ratings for its Single, Annual, Comprehensive, and Signature policies, based on coverage depth, features, and claim service. The Basic tier offers less comprehensive protection and consequently receives lower independent marks. Staysure has not only won top sector accolades from Defaqto but was also awarded the British Travel Awards “Best Company for Travel Insurance” for multiple years (2016–2024).
Trustpilot, Which? and Independent Review Scores
| Rating Source | Score | Details |
|---|---|---|
| Trustpilot | 4.7/5 | 411,466 reviews (Oct 2024); 81% 5-star, 14% 4-star in last 12 months. More 5-star reviews than any other UK travel insurer. |
| Defaqto | 5 stars | Single, Annual, Comprehensive, and Signature; Basic tier is lower rated. |
| Smart Money People | 4.82/5 | Based on 3,477 reviews (Oct 2025). |
| Reviews.io | 4.59/5 | 4,304 reviews. |
| Good Money Guide | 4.5/5 | High marks for medical, claims. |
Top Pros and Cons of Staysure Travel Insurance
Comprehensive vs Basic vs Signature: Side-by-Side Comparison
| Feature | Basic | Comprehensive | Signature |
|---|---|---|---|
| Medical Emergency Cover | £5m–£10m | Unlimited | Unlimited + extras |
| Cancellation Cover | £500–£1,000 | £2,000–£5,000 | £7,500+ |
| Pre-existing Medical Conditions | Most covered | Most covered | Most covered |
| Add-Ons | Limited | Wide | Widest/gadget cover |
| Defaqto Rating | Lower | 5 Star | 5 Star |
What’s New in Coverage for 2024/2025?
As of early 2024/2025, Staysure’s policies remain focused on their core market strengths. There are no major new announced enhancements for pandemic, climate, or digital nomad coverage, but strong protection for pre-existing conditions, unlimited emergency medical cover, and expanded gadget/cruise add-ons remain. The company continues to emphasize value for seniors and regular travelers, keeping pace with evolving travel risks without significant departures from 2023 offerings.
Pros & Cons Table Based on Verified User Feedback
| Pros | Cons |
|---|---|
|
|
Real Customer Stories: Staysure Claim Experiences in 2024/2025
Fastest Payout Successes: Smooth Claim Journeys
Staysure’s claims data for June 2023–November 2024 indicate over 68,000 claims paid out, totaling £128+ million. The group reported a record €117 million paid out in 2024 alone, with the largest single payout exceeding €797,000. Positive feedback from customers highlights prompt payouts, often with funds in accounts within days, especially for straightforward medical and cancellation claims. The company’s target is claim acknowledgement within 5 working days and a decision within another 5 days after all documents are received.
Common Complaints: Reasons for Claim Denials or Delays
Most complaints relate to document requests, complex medical assessments, or missing paperwork. Some users report delays for intricate cases, particularly those involving hospitalization abroad. There are rare mentions of claim denials, often tied to undisclosed pre-existing conditions or policy exclusions. Administrative fees may inconvenience users who prefer telephone over online claims. While Staysure advocates for “Open Travel Insurance” to reduce GP paperwork and accelerate claims, the administrative complexity still exists—GPs spend 110,000+ hours/year on insurer paperwork industry-wide.
Unique Cases: Seniors, Pre-Existing Conditions & Medical Emergencies
Staysure’s reputation is strongest among older travelers and those with chronic health conditions. Few rivals offer such breadth of cover for these demographics at similar price points. Expansion into Ireland in 2025 further emphasizes their senior-friendly approach, with 74% of adults 58+ reporting two or more ongoing health conditions. Staysure’s annual multi-trip and comprehensive policies cater to these travelers with minimal exclusions and robust medical emergency assistance. However, isolated complaints from those aged over 60 (Tripadvisor, May 2022) underscore the need for detailed medical disclosure to ensure claims aren’t refused.
2024 Pricing Transparency and Value for Money
Average Premiums by Age, Destination, and Medical Status
- Age and health status are the top drivers of price. Example: For a 70-year-old, single trip to Europe, average premiums range from £21.53 (Basic) to £161.43 (Signature).
- Medical conditions increase costs, but Staysure remains competitive for higher-risk travelers—often outperforming providers that charge more or deny cover for over-65s.
- Annual, family, and multi-trip discounts are significant for frequent travelers.
What Affects Your Staysure Quote? (Hidden Fees, Discounts, Add-Ons)
- Premiums vary by age, pre-existing conditions, destination risk, and policy tier.
- Optional add-ons (winter sports, cruise, electronics, excess waiver) increase cost.
- Online purchases and multi-policy discounts yield savings.
- Telephone amendments and certain admin tasks incur small fees.
How Staysure Compares to Other Leading Travel Insurers
- Customer satisfaction: Staysure leads UK rivals for volume and percentage of 5-star reviews (Trustpilot 4.7 vs. AllClear 4.5, Admiral 3.8, DirectLine 3.1).
- Pricing: Sits in the mid-range. Cheaper options exist but lack robust medical cover; more expensive policies aren’t necessarily better for typical older travelers.
- Features: Staysure’s medical focus and Defaqto ratings set it apart for high-risk and senior travelers.
Staysure Coverage for Trending 2024 Travel Risks
Pandemic Response, Natural Disaster, and Climate Event Coverage
Staysure’s standard policies include emergency medical cover for pandemics and natural disasters affecting travel. There were no major 2024/2025 product changes specifically for COVID-19 or climate risk, but the brand has been quick to adapt in past crises and continues to review global trends. Optional policy extras can provide additional cancellation cover for such events.
Adventure Activities and Cruise Cover in 2024/2025
Adventure activity cover is available as an add-on for most policies, providing protection for common sports and activities. Staysure’s cruise cover is highly rated, including missed port departure, cabin confinement, and unused excursions—popular options for older and higher-risk travelers.
Digital Nomads, Gap Year, and Multi-Trip Insurance Trends
Annual multi-trip policies are designed for regular travelers and the growing number of digital nomads. These policies offer broad flexibility, discounts, and customizable cover duration. Family and couple plans offer additional value for long-term travelers and students on gap years.
Customer Service & Claims Process: What to Expect in 2024/2025
How Easy Is It to Buy, Amend, or Cancel?
Policies can be bought and amended easily online or by phone. Online account management is simple and often cheaper. Cancellations follow standard industry practices, with 14-day cooling-off periods. Admin fees may apply for some phone-based adjustments.
Speed and Simplicity of Filing a Claim
Claims can be filed online or by post, with Staysure promising initial contact within 5 working days and a decision within 5 days of receiving all required documents. Most customers report smooth approval and payout, but complex medical cases sometimes face delays related to documentation or information from GPs.
Support for Seniors and Travelers With Special Conditions
Staysure is a favored choice for seniors and those with medical needs. Dedicated phone support is available, but online tools are recommended for faster service and lower fees. The insurer’s willingness to cover a range of pre-existing conditions sets it apart from the competition.
FAQ: Staysure Travel Insurance Reviews (2024/2025)
- Is Staysure a good travel insurance provider for seniors? Yes, Staysure leads the sector for travelers over 60 and those with health conditions, combining strong cover with competitive pricing.
- Does Staysure cover COVID-19 and natural disasters? Yes, emergency medical and some cancellation events are covered. Optional add-ons provide extra protection.
- What’s the fastest Staysure has paid a claim? Many claims are paid within days, with a company target of a decision within 5 days post-document submission.
- Are there hidden fees? Small admin fees may apply for phone-based changes; online self-management avoids most charges.
- Which is better: Staysure or AllClear? Staysure wins for overall satisfaction, pre-existing condition coverage, and value for seniors, though AllClear is a strong alternative for very high-risk cases.
Final Ranking: Who Should Choose Staysure Travel Insurance?
Staysure is the UK’s standout travel insurer for seniors, travelers with pre-existing conditions, and families needing comprehensive protection. It is best for:
- Travelers over 65 and those with health issues who want tailored coverage without prohibitive premiums.
- Frequent travelers who can maximize value with multi-trip policies and customizable add-ons.
- Anyone prioritizing a high service standard, claims reliability, and market-leading independent ratings.
However, if you are an infrequent traveler under 50 with no health risks seeking the cheapest basic coverage, lower-cost options might suffice.
Ready to compare Staysure’s latest offers? Get a quote here to lock in the best rate for your next trip.