Whether you’re going on a stag do in Europe or visiting your daughter in Australia, you should always get a travel insurance policy that will cover you and the possessions you’re taking away.
Like other insurers, Staysure has a wide range of policies. Much like different factors of sun lotion, some offer basic levels of protection for you and your possessions, while others offer really comprehensive coverage.
In this guide we break down all the different travel insurance options you can get with Staysure, before we assess whether it’s any good as a travel insurance company.
Staysure was started back in 2004, and began with the aim of providing comprehensive and affordable travel insurance for people over the age of 50. Whether they live in the UK or they’re an expat.
These days it does more than just insurance, and has branched out into offering holidays and cruises too.
Staysure offers several types of travel insurance cover. They are listed below with a selection of their features.
Heading away on just the one holiday this year? You’ll want single trip cover if so. With Staysure a single trip deal will look like this:
Going away more than just the once this year? Maybe you’re going skiing and heading abroad in the summer too? Taking out a multi-trip (otherwise known as annual) policy could save you time and money. You’ll only have to sort your insurance out once, and it could be cheaper than getting multiple single-trip policies. Here’s what Staysure’s deal will offer:
Heading into the great unknown for the adventure of a lifetime? Backpacking cover is tailor made for gap years and the intrepid travellers. With Staysure your policy will have the following features:
Heading off on a golfing holiday? Don’t let any unexpected hiccups get in the way of you and the green. With Staysure you don’t need to buy golf insurance, as a basic policy will cover personal liability and person accident while playing golf. However getting an additional golf insurance deal will mean:
Going on a long-awaited cruise this year? Staysure cruise cover will make sure you and your possessions are protected, even if it isn’t all plain sailing. While it is an additional policy and you’ll have to pay more, it could be worth it. The key features of this policy include:
Going skiing or snowboarding? You’ll want to fully enjoy the slopes without fretting about losing your gear or having a serious accident. With winter sports cover you’ll be fully protected and get financial help should anything happen. Here are the key features of Staysure’s deal.
Whether you’re going around the world in 80 days or heading to Australia in your gap year, you will probably have to pay extra to get worldwide cover. Here’s what you’ll get with Staysure:
Staysure specialises in insurance for over 50s, so it will try to cater insurance for anyone with pre-existing health issues. Staysure will decide whether it will cover you following a health screening and should you be approved the policy will include:
If you’re travelling as a family you’ll want to protect every single one of you. Taking out a family policy will save you considerable amounts of time, as you won’t need to take out insurance for each member of your clan, and the policy will include:
Staysure doesn’t offer loads of different levels of cover. While you can get add-on policies such as winter sports cover, when it comes to buying the main insurance deal, you have to decide whether you want either:
Take a look at the policy details for basic and comprehensive below.
|Emergency medical treatment||£5,000,000||Unlimited|
|Loss of baggage||£300||£2,500|
|Passport and travel documents||£300||£500|
|Cancellation of trip after 12 hour delay||–||–|
|Personal liability per policy||–||£2,000,000|
|Legal protection per policy||–||£25,000|
|End supplier failure||–||£3,000|
|Winter sports cover||–||Optional|
Your excess is the amount you have to contribute towards a claim before the insurer starts paying out.
So if you lose a watch worth £200 and the excess is £100, you’re going to have to pay for half of any replacement.
How much excess you pay changes from claim to claim though, so you’ll need to see your policy handbook to work out the exact amount you’re going to have to shell out.
If you have an emergency medical situation and you need to get insurance help quick, call +44 1403 288 414, or +1 844 780 0639 from the US or Canada.
For most other claims, such as cancellations, here’s what you should do:
Check your Validation Certificate for your policy number.
Gather receipts and other important documents such as police reports.
Go to its website and submit a claim online.
Or call 01403 288 410.
Or send a letter with the documents in the envelope.
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