Staysure Travel Insurance: Affordable Plans for All Ages
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| A close-up image of a Staysure travel insurance brochure featuring various coverage options and pricing details for all age groups |
Traveling is an adventure filled with unexpected surprises, but not all those surprises are welcome. That's where Staysure travel insurance comes in, providing a safety net for travelers of all ages. With a range of plans designed to cover everything from minor mishaps to major medical emergencies, Staysure offers peace of mind to globetrotters venturing near and far. The significance of having a reliable travel insurance plan cannot be overstated, especially when it ensures that unforeseen circumstances do not hinder the joys of exploring new destinations.
The article will delve into the wide array of options provided by Staysure travel insurance, from annual policies to single-trip coverage, highlighting the benefits tailored to different travel needs and preferences. It will explore the comprehensive coverage available for various age groups, including those with pre-existing medical conditions, ensuring that every traveler finds a suitable plan. Special features and add-ons that enhance the insurance coverage will also be discussed, alongside a step-by-step guide on how to secure a Staysure travel insurance policy. Moreover, drawing from real-life experiences, customer reviews, and expert ratings, the article will offer valuable insights to help readers choose the right plan for their next journey, concluding with tips for making an informed insurance decision.
Overview of Staysure Travel Insurance
Staysure, operating under the name of TICORP Limited, has established itself as a prominent player in the UK's insurance market, particularly catering to individuals over 50. This company has become the UK's largest direct-to-consumer travel insurance provider, a testament to its widespread acceptance and trust among consumers [1].
Their offerings are not just broad but deeply considerate of the diverse needs of travelers, especially those with pre-existing medical conditions. Staysure provides comprehensive coverage options, which can be easily tailored through either online platforms or direct phone consultations, ensuring that every traveler finds the right fit for their unique needs [1].
With headquarters strategically located in Northampton and additional contact centers across the UK, Staysure is committed to accessibility and local presence. Employing over 500 staff members, the company underscores its commitment to creating jobs and contributing to the local economy while ensuring top-notch service delivery to its clientele [1].
The regulatory framework under which Staysure operates is equally robust. Licensed and regulated by the Gibraltar Financial Services Commission, the company adheres to stringent standards, ensuring reliability and trustworthiness in all its transactions [1].
Customer satisfaction and trust in Staysure are reflected in its excellent Trustpilot ratings, where it stands out with a score of 9.1 based on over 50,000 reviews. Such high ratings not only showcase customer satisfaction but also reinforce Staysure's position as the most reviewed travel insurance provider in the market [1].
In terms of ethos and customer commitment, Staysure's approach is encapsulated by its philosophy that "travel insurance is Worth Doing Right." This guiding principle is evident in the way Staysure designs its products and interacts with its customers, ensuring that each policyholder receives the coverage that best suits their needs without any compromise on quality or reliability [2].
The company's proactive stance during the pandemic, offering extended help when other providers were stepping back, highlights its dedication to customer service. This responsiveness to customer needs is a cornerstone of Staysure's operational ethos, which is about doing the right thing for the traveler, every time [2].
Lastly, Staysure's accolades, including being named the Best Company for Travel Insurance multiple times by The British Travel Awards, underscore its excellence and leadership in the travel insurance sector. These awards reflect not just industry recognition but also customer trust and satisfaction, further solidifying Staysure's reputation as a reliable insurance provider [2].
Types of Travel Insurance Offered
Single Trip Travel Insurance
Single trip travel insurance, often referred to as short stay or one trip travel insurance, is ideal for travelers embarking on a round trip to one or multiple destinations. This type of insurance is particularly suitable for a one-off holiday, allowing travelers to country-hop and spend up to 104 days abroad [3].
Annual Travel Insurance
For those who travel frequently, annual multi-trip travel insurance provides a convenient and cost-effective solution. This policy covers multiple holidays throughout the year, eliminating the need to purchase a new policy for each trip. It allows travelers to be covered for up to 183 days of travel within a 12-month period. Additionally, if the annual policy costs £80 or more, it can be paid in monthly instalments, easing the financial burden on the traveler. Key benefits include coverage for cancellations, travel disruptions, and lost or stolen cash, among others [4].
Medical Travel Insurance
Medical travel insurance is crucial for those with pre-existing conditions, ensuring they are covered in case of medical emergencies while abroad. This type of insurance can cover a wide range of conditions from high blood pressure and diabetes to more severe conditions like cancer. It's important for travelers to declare their medical conditions when taking out the policy to ensure they are fully covered. This insurance type also emphasizes the importance of carrying a Global Health Insurance Card (GHIC) or a European Health Insurance Card (EHIC) when traveling in the EU, as these cards provide access to emergency state-provided healthcare at reduced costs or free [5].
Each type of travel insurance offers specific benefits tailored to different traveling needs, ensuring that all travelers can find the right coverage to suit their itinerary and health requirements.
Benefits of Staysure Travel Insurance
Staysure Travel Insurance offers a variety of benefits designed to provide travelers with security and peace of mind during their journeys. From comprehensive coverage options to flexible plans and round-the-clock emergency assistance, Staysure ensures that travelers' needs are met comprehensively.
Comprehensive Coverage
Staysure's travel insurance policies are tailored to cover a wide range of scenarios that travelers might face. They offer generous policy limits for cancellations, travel delays, lost passports, stolen baggage, and emergency medical assistance [6]. Additionally, the coverage extends to personal accidents, missed departures, and even legal costs, ensuring that travelers can explore with confidence knowing they are protected against a variety of travel-related incidents [7].
Flexible Plans
Understanding that every traveler has unique needs, Staysure provides flexible insurance plans that cater to various travel styles and budgets. Travelers can choose from single trip policies for one-off holidays or annual multi-trip policies for frequent travelers, each designed to offer the best value and convenience [8][4]. Moreover, Staysure allows policyholders to tailor their coverage with add-ons like winter sports coverage or increased limits for medical expenses, making it easy to customize the policy to fit individual travel plans [9].
24/7 Emergency Assistance
One of the standout features of Staysure Travel Insurance is the 24/7 emergency assistance service. This service provides travelers with immediate help in case of a medical emergency while abroad. The dedicated helpline, known as "Staysure Assistance," is available at any time to support policyholders, ensuring they receive the necessary medical care and attention promptly [10]. This critical support can be accessed globally, providing peace of mind to travelers knowing that help is just a phone call away, no matter where they are in the world [11].
These benefits underscore Staysure's commitment to offering reliable and comprehensive travel insurance solutions, making it a preferred choice for many travelers looking for security and flexibility in their travel insurance options.
Coverage for Different Age Groups
Staysure Travel Insurance provides tailored coverage that caters to the needs of travelers across various age groups, ensuring that everyone, from the youngest to the oldest, can travel with confidence and security.
Coverage for Younger Travelers
For younger travelers, Staysure offers flexible and comprehensive travel insurance policies. There is no upper age limit for those purchasing single trip or annual multi-trip cover, making it an ideal choice for families and young adventurers alike [12]. Additionally, children must travel with a responsible adult over the age of 18 to ensure safety throughout their journey [12]. The policies are designed to be inclusive, covering most pre-existing conditions, which means younger individuals with health concerns can also enjoy their travels without worry [13].
Coverage for Seniors
Seniors particularly benefit from Staysure's inclusive approach, as there is no upper age limit on single trip and annual policies [14][15]. This is crucial because finding appropriate cover can be challenging for travelers over 70. Staysure addresses this issue by offering long stay travel insurance, which covers trips up to 366 days, although it is not available for those aged 76 and above [15]. Furthermore, the insurance covers a wide array of medical emergencies, travel delays, and cancellations, ensuring seniors can travel with peace of mind [16]. Importantly, all pre-existing conditions should be declared during the medical screening process to ensure full coverage and avoid potential issues with claims [16].
Staysure's commitment to providing comprehensive travel insurance for all age groups highlights their understanding of the diverse needs of travelers. Whether it's a young single traveler or a senior with pre-existing medical conditions, Staysure strives to offer policies that encompass a wide range of scenarios and needs, ensuring every traveler has the necessary support and coverage for their adventures abroad.
Special Features and Add-Ons
Winter Sports Coverage
Staysure Travel Insurance recognizes the unique risks associated with winter sports like skiing and snowboarding. To cater to enthusiasts of these activities, they offer a Winter Sports Travel Insurance add-on, which is essential since standard policies do not typically cover the risks linked with snow, ice, and high altitudes. This specialized coverage includes protection for winter sports equipment, ski pass and ski pack, and even covers piste closures as well as avalanches or landslides. Importantly, the Winter Sports add-on is automatically included in both Comprehensive and Signature Annual Multi-Trip policies. For the Comprehensive policy, coverage extends to two trips, totaling up to 21 days, whereas the Signature policy offers up to 28 days of protection for two trips, ensuring ample time for winter holiday enjoyment [17][18][19][9].
Excess Waiver
Understanding the potential financial burden of excess payments during claims, Staysure provides an option to add an Excess Waiver to travel insurance policies. This feature is particularly beneficial as it covers the cost of any excess that might be payable in the event of a claim, thus offering peace of mind and financial protection. The Excess Waiver is included as standard in Signature policies, which means no excess payment is required. For Comprehensive policies, this waiver can be added during the purchase of the policy and cannot be appended later. This ensures that travelers can enjoy their journey without worrying about possible out-of-pocket expenses in case of an incident [20][21][22].
Single Item Cover
For travelers carrying valuable items, Staysure's Single Item Cover provides an additional layer of security. This cover is designed to protect high-value items such as electronics—mobile phones, cameras, tablets, and e-readers—from theft, loss, or damage during travel. Ensuring these valuable items are covered can significantly enhance travelers' peace of mind, especially when carrying essential gadgets or expensive equipment. This cover is not included as standard but can be added to Comprehensive policies within the cooling-off period, allowing travelers to customize their insurance to suit their specific needs [9][11].
How to Buy a Staysure Travel Insurance Policy
Purchasing a Staysure travel insurance policy is a straightforward process designed to ensure that travelers can quickly secure coverage that meets their specific needs. Whether opting to buy online or through phone assistance, Staysure offers an efficient path to obtaining travel insurance.
Online Purchase
To purchase a Staysure travel insurance policy online, customers can start by logging into their My Staysure account. This platform allows policyholders to view, manage, and adjust their policies conveniently from anywhere in the world, on any device, and at any time. The process is user-friendly, with no administrative fees for making changes online. For new customers, the initial step involves completing a simple medical screening if they have pre-existing conditions. This screening consists of a few straightforward questions about the traveler's health to ensure the policy covers their specific medical needs [23][4].
Once the screening is complete, travelers can select from various coverage options, including single trip and annual multi-trip policies. For those booking a single trip, it is advisable to purchase insurance as soon as the trip is booked to cover potential cancellations [13][23]. Annual policyholders benefit from immediate coverage for cancellations once the first trip is booked and enjoy additional perks like winter sports coverage if they opt for a Signature policy [4].
Phone Assistance
For those who prefer personal interaction or require assistance, Staysure's customer service and sales teams are readily available. Customers can contact these teams directly using the provided phone numbers. The sales team is accessible from Monday to Friday, 8:30 AM to 8 PM, and over the weekend, ensuring that help is always just a call away [24][25].
When calling, customers can discuss their travel plans, ask questions about coverage options, and receive guidance on adding pre-existing conditions to their policies. This direct communication ensures that all concerns are addressed, and policies are tailored to the individual's needs. If changes need to be made after the policy is purchased, customers can either log into their My Staysure account to update their policy at no extra cost or call the customer service team for support. Note that a fee may apply if changes are made over the phone [24][25].
By offering both online and phone-based purchasing options, Staysure makes it convenient for every traveler to obtain the travel insurance they need, backed by the assurance of customer support at every step of the process.
Customer Reviews and Ratings
Trustpilot Reviews
Staysure's commitment to customer satisfaction is prominently reflected in their Trustpilot reviews. One customer, David, expressed his gratitude after a medical emergency, stating, "I had to claim for the first time ever on travel insurance for a medical emergency. The level of service and cover was exceptional... I would recommend them to all" [13]. Such testimonials are consistent across the platform, where Staysure has accumulated over 45,000 5-star reviews in the last six months alone, demonstrating a robust approval from users [25].
The company has a verified profile on Trustpilot and actively engages with both positive and negative feedback. Notably, they have replied to 99% of negative reviews, often within less than 24 hours, showcasing their dedication to customer service [26]. This responsiveness and transparency have earned Staysure a remarkable overall rating of 4.7, with 81% of reviews being 5-star [26].
Awards and Recognitions
Staysure's excellence in service and customer satisfaction has not gone unnoticed in the industry. They have been voted the Best Company for Travel Insurance for seven consecutive years by the British Travel Awards [25]. Additionally, their Comprehensive and Signature travel insurance cover options have received a 5-star rating from Defaqto, a leading UK independent financial information business, further affirming their high standards in providing reliable travel insurance solutions [25].
These accolades are supported by a significant volume of positive customer feedback, with Staysure being the most reviewed travel insurance provider, accumulating over 339,086 reviews [25]. This level of recognition and customer trust highlights Staysure's commitment to offering not only comprehensive insurance solutions but also exceptional customer service and support.
Tips for Choosing the Right Plan
Assessing Your Travel Needs
When selecting a travel insurance plan, it's crucial to evaluate your specific travel needs. Consider how often you'll be traveling, the duration of your trips, your destinations, and any planned activities [8]. Additionally, assess who needs to be covered by the policy—whether you're traveling alone, as a couple, or with family [8]. If you have pre-existing medical conditions, reaching out to specialist providers who can offer tailored coverage is advisable, as they might not be listed on comparison sites [13].
Comparing Coverage Options
Travel insurance plans can vary significantly in terms of what they cover, so it's important to compare different options carefully. Both annual and single trip policies generally offer coverage for medical emergencies, cancellations, lost or stolen baggage, and travel delays [8]. Be sure to check the limits of the policy to ensure it meets your needs, particularly for cancellation coverage, which should be proportional to your trip cost [27][13].
For those with specific needs, such as winter sports enthusiasts or those requiring cruise cover, consider plans that include these as standard or as optional extras. For instance, some comprehensive policies automatically include winter sports cover, which can be a crucial addition for those planning skiing or snowboarding trips [8].
It's also essential to understand the financial aspects of your policy. A higher excess might reduce the premium cost, but ensure it's an amount you can comfortably afford if you need to make a claim [13]. Additionally, purchasing your policy immediately after booking your trip can protect you against unforeseen events that require you to cancel [13].
By carefully assessing your travel needs and comparing the coverage options available, you can select a travel insurance plan that provides the right level of protection, ensuring peace of mind during your travels.
Conclusion
Through an in-depth exploration of Staysure travel insurance, this article has highlighted the company's innovative approach to meeting the diverse insurance needs of travelers worldwide. From offering tailored plans that cater to various ages and specific requirements, including those with pre-existing conditions, to ensuring robust support through comprehensive coverage and 24/7 emergency assistance, Staysure establishes itself as a leading provider committed to the safety and satisfaction of its clients. Its array of policies, such as single trip, annual multi-trip, and specialized medical travel insurance, underscores its dedication to providing peace of mind to travelers, no matter where their adventures take them.
Staysure's exemplary service is further evidenced by its strong customer satisfaction ratings and the wide recognition it has garnered within the industry. The significance of selecting the right travel insurance plan has been underscored, emphasizing the need for travelers to consider their specific travel needs, compare coverage options, and choose a plan that offers the most comprehensive protection. As travel continues to be an essential part of life for many, ensuring that you are adequately insured with a reliable provider like Staysure can make all the difference in experiencing a worry-free and enjoyable journey, highlighting the company's thorough commitment to "doing travel insurance right."
FAQs
1. Is there a maximum age limit for purchasing Staysure travel insurance?
Staysure travel insurance does not impose an upper age limit on their Single Trip Travel Insurance and Annual Multi-Trip Travel Insurance policies. They believe age should not prevent anyone from travelling securely and enjoying their holidays.
2. Why does Staysure travel insurance sometimes appear costly?
The pricing of Staysure travel insurance is influenced by the likelihood of a claim being made. This is determined by several factors, including the age of the insured, any pre-existing medical conditions, and the destination of the holiday. These elements contribute to the overall cost of the insurance.
3. Is it possible for someone who is 75 years old to obtain travel insurance?
Yes, individuals who are 75 years old or older can secure travel insurance, which is crucial for enjoying travel during retirement without worry. LV=, for instance, offers travel insurance specifically for those over 75, with options for Essential and Premier coverage.
4. How can one find affordable travel insurance?
To obtain more affordable travel insurance, consider the following steps: compare quotes from different providers to see how policies and prices vary; choose the appropriate policy type, as a single-trip policy might be more cost-effective if you're only planning one holiday; ensure the policy covers only the aspects necessary for your trip; and avoid paying for unnecessary extras.
References
[1] - https://www.staysure.co.uk/wp-content/themes/staysure-wdr/assets/Dont_Bank_On_It.pdf
[2] - https://www.staysure.co.uk/why-staysure/
[3] - https://www.staysure.co.uk/single-trip-insurance/
[4] - https://www.staysure.co.uk/annual-travel-insurance/
[5] - https://www.staysure.co.uk/medical-travel-insurance/
[6] - https://www.staysure.co.uk/comprehensive-travel-insurance/
[7] - https://www.staysure.co.uk/wp-content/uploads/2020/05/Staysure-Leisure-Comprehensive-May-20-v2.pdf
[8] - https://www.staysure.co.uk/discover/annual-vs-single-trip/
[9] - https://www.staysure.co.uk/travel-insurance/resources/what-travel-insurance-covers/
[10] - https://help.staysure.co.uk/hc/en-us/articles/13045635020817-Emergency-Repatriation-Assistance-available-24-7
[11] - https://www.staysure.co.uk/wp-content/uploads/2020/11/Staysure-Keyfacts-Nov20.pdf
[12] - https://www.staysure.co.uk/wp-content/uploads/2022/05/Staysure-Travel-Insurance-PD-MAY22-V4-WEB.pdf
[13] - https://www.staysure.co.uk/travel-insurance/
[14] - https://www.staysure.co.uk/senior-citizen-travel-insurance/
[15] - https://www.staysure.co.uk/over-70-travel-insurance/
[16] - https://www.staysure.co.uk/over-80-travel-insurance/
[17] - https://www.staysure.co.uk/winter-sports-travel-insurance/
[18] - https://help.staysure.co.uk/hc/en-us/articles/8885556000529-What-is-winter-sports-travel-insurance
[19] - https://help.staysure.co.uk/hc/en-us/articles/8660503643921-Am-I-covered-for-Winter-sports
[20] - https://www.staysure.co.uk/travel-insurance/resources/what-is-travel-insurance-excess-and-travel-insurance-waiver/
[21] - https://www.staysure.co.uk/wp-content/uploads/2021/05/Staysure-Optional-Car-Hire-Excess-Waiver_MAY-2021-v3.pdf
[22] - https://www.staysure.co.uk/wp-content/uploads/2022/09/Staysure_Optional_Car_Excess_Waiver_SEP2022_v2.pdf
[23] - https://www.staysure.co.uk/travel-insurance/resources/before-you-buy-travel-insurance/
[24] - https://www.staysure.co.uk/contact-us/
[25] - https://www.staysure.co.uk/
[26] - https://uk.trustpilot.com/review/www.staysure.co.uk
[27] - https://www.staysure.co.uk/travel-insurance/resources/why-travel-insurance/
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