Staysure travel insurance review

Staysure travel insurance overview

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. 

Does Staysure offer the best travel insurance?

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

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How good are Staysure's travel insurance policies?

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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

How good is Staysure at handling claims?

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%

Staysure travel insurance: how can I claim?

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