
Staysure is a UK-based insurance company, established in 2004, that has grown to become a leading provider of travel insurance, particularly targeting the over-50s market. The company was founded with the aim of addressing a gap in the market for travel insurance that covers pre-existing medical conditions, a need often overlooked by mainstream insurers. Staysure’s headquarters are in Northampton, and it employs over 700 people across the UK and Gibraltar.
Staysure offers a range of travel insurance products, including single trip, multi-trip, and long-stay policies. The company is known for its flexible cover options and the ability to insure 97% of applicants, even those with existing medical conditions such as cancer or heart disease. Their policies are structured into three main tiers: Basic, Comprehensive, and Signature.
The Signature policy provides up to £10,000 cancellation cover per person and includes extras like gadget cover and zero excess, while the Comprehensive and Basic tiers offer lower levels of cancellation cover and fewer additional features.
A major selling point for Staysure is its unlimited medical expenses cover on Comprehensive and Signature policies, with the Basic policy covering up to £5 million. The company also provides cover for trip cancellation, baggage loss, travel delays, repatriation, and lost money or passports. However, claims related to undeclared medical conditions, incidents involving drugs or alcohol, and travel for medical procedures are excluded.
Staysure has paid out over £128 million on more than 68,000 claims, with its highest single claim exceeding £335,000. The company’s customer-centric approach is reflected in its privately owned status, allowing it to prioritize customer needs over shareholder returns. Staysure has received multiple awards, including being voted ‘Best Company for Travel Insurance’ at the British Travel Awards for seven consecutive years.
The company’s insurance products are underwritten by Great Lakes Insurance SE, part of the Munich Re Group, and are arranged through TICORP Limited, a Gibraltar-based entity. Staysure also offers other insurance products such as car, home, and holiday home insurance, and provides specialized cover for expats in Europe. The company’s vision is to evolve into a lifestyle brand for the over-50s, supporting their travel, health, and financial wellbeing.
Pre-existing Medical Conditions
Staysure ensures coverage for travelers with pre-existing medical conditions through a clear and comprehensive process:
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Travelers must declare all pre-existing medical conditions when purchasing a policy. A pre-existing condition is defined as any medical issue for which the traveler has had symptoms, treatment, prescribed medication, medical consultations, investigations, or follow-ups within the last two years. For cardiovascular or circulatory conditions, disclosure is required regardless of when they occurred.
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Staysure’s medical screening process assesses each declared condition. This allows the company to offer tailored coverage, and most declared conditions can be covered across all policy types. Common conditions covered include arthritis, asthma, cancer, diabetes, epilepsy, heart conditions, high blood pressure, and more.
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The policy explicitly covers claims related to declared and accepted medical conditions, including emergency medical expenses, trip cancellations, and curtailment due to those conditions. Staysure provides 24-hour emergency medical support abroad for these situations.
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Travelers are not covered if they travel against medical advice, fail to declare a condition, seek planned or non-emergency treatment abroad, or travel specifically for medical procedures. Incidents related to undeclared conditions, alcohol, or controlled substances are also excluded.
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Staysure’s approach means that as long as travelers fully disclose their medical history and follow the policy guidelines, they can travel with confidence knowing their pre-existing conditions are covered. This focus on transparency and comprehensive screening sets Staysure apart as a specialist in covering travelers with medical histories.
Key Differences Between Staysure’s Basic, Comprehensive, and Signature Plans
Feature | Basic Plan | Comprehensive Plan | Signature Plan |
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Policy Excess | £129 per claim | £99 per claim | £0 per claim |
Emergency Medical Cover | Up to £5 million | Unlimited | Unlimited |
Cancellation Cover | Up to £500 | Up to £5,000 | Up to £10,000 |
Curtailment (Trip Shortening) | Up to £500 | Up to £5,000 | Up to £10,000 |
Baggage Cover | Up to £300 | Up to £2,500 | Up to £5,000 |
Money and Passport Cover | Up to £300 | Up to £500 | Up to £500 |
Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
Legal Costs | No cover | £25,000 per person (max £50,000 per policy) | £25,000 per person (max £50,000 per policy) |
Gadget Cover | Optional add-on | Optional add-on | Included as standard |
Excess Waiver | Not included | Optional add-on | Included as standard |
Winter Sports Cover | Optional add-on | Optional add-on (auto on annual) | Optional add-on (auto on annual) |
Cruise Cover | Optional add-on | Optional add-on | Optional add-on |
Summary of Key Differences:
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Coverage Limits:Â Signature offers the highest limits for cancellation, curtailment, and baggage, while Basic provides the lowest. Comprehensive sits in between.
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Medical Cover: Both Comprehensive and Signature plans provide unlimited emergency medical cover, whereas Basic is capped at £5 million.
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Excess: Signature policies have no excess, Comprehensive has a £99 excess, and Basic has a £129 excess per claim.
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Added Benefits:Â Signature includes gadget cover and an excess waiver as standard, while these are optional for Comprehensive and not available for Basic.
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Legal Costs:Â Only Comprehensive and Signature plans offer legal expenses cover.
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Optional Extras:Â All plans allow optional add-ons like cruise, winter sports, and golf cover, but the extent and inclusion may vary.
These differences allow travelers to select a plan that best fits their needs and budget, with Signature offering the most comprehensive protection and Basic providing essential cover for those seeking a lower-cost option.
Staysure Cancellation and Baggage Cover
The main differences in cancellation and baggage cover across Staysure’s Basic, Comprehensive, and Signature plans are the coverage limits and included features:
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Cancellation Cover:
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Basic Plan: Provides up to £500 per person for trip cancellation.
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Comprehensive Plan: Increases the limit to up to £5,000 per person.
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Signature Plan: Offers the highest cancellation cover, up to £10,000 per person.
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Baggage Cover:
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Basic Plan: Covers up to £300 for lost, stolen, or damaged baggage.
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Comprehensive Plan: Raises the baggage cover to up to £2,500.
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Signature Plan: Offers the most extensive baggage protection, up to £5,000.
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In summary, as you move from Basic to Comprehensive to Signature, both cancellation and baggage cover limits increase significantly, providing greater financial protection for higher-value trips and belongings. The Signature plan is best suited for travelers seeking maximum coverage, while the Basic plan offers essential protection at a lower cost.
Staysure Cancellation Fees
Cancellation fees differ significantly between flexible and restricted (non-flexible) plans:
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Flexible plans generally allow travelers to change or cancel their bookings with little to no additional cost. These fares are designed for those who may need to alter their travel arrangements due to uncertain schedules or changing circumstances. While flexible fares often have a higher upfront price, they provide the benefit of avoiding hefty cancellation or change fees if plans change. In many cases, changes or cancellations can be made without extra charges, or for a significantly reduced fee.
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Restricted (non-flexible) plans are typically less expensive but come with strict rules. If you need to change or cancel a restricted booking, you may face high cancellation fees—sometimes up to the full cost of the ticket. These fees can range from $50 to $500 or more, depending on the airline and how close to departure the cancellation occurs. In some cases, restricted fares may be entirely non-refundable and non-changeable, meaning travelers would forfeit the entire amount paid if they cannot travel as planned.
In summary, flexible plans offer greater freedom and reduced financial risk if travel plans change, while restricted plans are less costly upfront but carry the risk of substantial cancellation fees if adjustments are needed.
Staysure : Unlimited Emergency Medical Expenses
The Staysure Signature plan provides unlimited emergency medical expenses by offering coverage with no upper financial limit for eligible emergency medical costs incurred while traveling. This means that if you experience a medical emergency abroad—such as illness, injury, or the need for hospitalization—the plan will pay for all necessary and reasonable medical expenses, including hospital stays, doctor fees, medications, and repatriation, without a cap on the total amount payable.
This unlimited coverage is a key feature distinguishing the Signature plan from lower-tier plans, which may impose specific monetary limits on medical expenses. The Signature plan’s unlimited emergency medical cover is designed to give travelers peace of mind, especially those with complex or costly medical needs, ensuring that financial constraints do not impact the quality or extent of emergency treatment received during their trip.
Staysure Customer Feedback and Recent Developments
Customer reviews on Trustpilot show over 470,000 reviews, with many 5-star ratings, indicating strong satisfaction. However, some reports mention challenges with claims, particularly for medical conditions. Recent news, such as a 2024 investment from ICG and a new CEO appointment, suggests Staysure is expanding and innovating, which may impact future services.
For more details, visit Trustpilot reviews or check recent news at Insurance Business UK.
This detailed report provides an in-depth look at Staysure, a UK-based travel insurance provider, based on available data as of 01:49 PM BST on Wednesday, June 25, 2025. The information is compiled from official sources, customer reviews, and recent news, offering a holistic view of the company’s operations, services, and market position.
Company Background and Overview
Staysure was established in 2004 by Ryan Howsam and has grown to become a prominent player in the travel insurance sector, particularly known for serving travelers over 50 and those with pre-existing medical conditions. The company is regulated by the Financial Conduct Authority (FCA), ensuring compliance with UK financial regulations.
Recent data indicates they have covered over 10 million customers, with significant claim payouts, including over £128 million on more than 68,000 claims in the last 18 months, with the highest single claim at £335,352. This suggests a robust operational scale, covering 97% of applicants, even those with medical conditions, and supporting over 85,000 new trips since January, with one in three opting for annual policies.
Their head office is located in Northampton, UK, and they employ over 500 people across various brands, including Avanti Travel Insurance, Payingtoomuch.com, Rock Insurance, and Petgevity, under the Staysure Group. This group structure highlights their broader presence in the insurance market, with recent news indicating strategic expansions, such as the 2021 acquisition of a technology-led insurance firm and a 2024 investment from ICG European Mid-Market, aimed at fueling growth.
Additionally, the appointment of Finn Walsh as Group CEO in 2024, previously the Chief Customer and Marketing Officer, marks a new phase for the business, as noted by the founder and ex-CEO, suggesting a focus on leadership continuity and innovation.
Staysure has also been recognized for its excellence, winning the Best Company for Travel Insurance at the British Travel Awards from 2016 to 2024, and sponsoring events like the Staysure PGA Seniors Championship, which underscores their market reputation and community engagement.
Services and Coverage Options
Staysure offers a variety of travel insurance products, tailored to different needs, including:
- Single Trip Insurance: Suitable for one-off holidays, available at their single-trip page.
- Annual Travel Insurance: Ideal for frequent travelers, with one in three customers choosing this option, details at their annual insurance page.
- Medical Travel Insurance: Specializing in covering over 500 medical conditions, accessible at their medical insurance page.
Their policies are structured into three coverage levels—Basic, Comprehensive, and Signature—each with distinct benefits, as shown in the following table:
Cover Level | Medical Emergency & Repatriation (up to) | Cancellation (up to) | Cutting Holiday Short (up to) | Baggage (up to) | Travel Delay (up to) | Money & Passport (up to) | Excess |
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Basic | £5m | £500 | £500 | £300 | £300 | £300 | £129 |
Comprehensive | Unlimited | £5k | £5k | £2.5k | £1.5k | £500 | £99 |
Signature | Unlimited | £10k | £10k | £5k | £1.5k | £500 | £0 |
Key features include unlimited medical expenses for Comprehensive and Signature policies, trip cancellation cover up to £10k for Signature, and coverage for flight delays after 12 hours, lost or delayed baggage up to £500 for essentials, and natural disasters. They also offer flexible cost spreading for annual policies over £80 via Premium Credit Ltd, enhancing accessibility. Their 24/7 emergency helpline ensures support, with recent testimonials, such as assisting Janet and her husband during a hospital stay in Cologne, highlighting their reliability in crises.
Customer Feedback and Reviews
Customer satisfaction is a significant aspect of Staysure’s reputation, with over 470,000 reviews on Trustpilot, achieving a 4.7 out of 5.0 star rating based on data up to October 15, 2024, making them one of the highest-rated travel insurance providers in the UK. Twice as many customers give them 5-star reviews compared to competitors, with over 280,000 such reviews, and they claim more excellent ratings than any other provider, as seen at their reviews page. Positive feedback often praises their customer service, with examples like agents being professional, patient, and helpful, especially during policy setup and claims.
However, there are mixed reviews, particularly concerning claims processes. Some customers report issues, such as claims being declined for declared medical conditions, with one Tripadvisor post advising against using Staysure for over-60s due to claim refusals, despite prior declarations.
Which? rated Staysure at 82% for its travel insurance, analyzing 67 key elements, and noted their specialization in medical conditions, underwritten by Great Lakes Insurance SE, backed by Munich Re, suggesting financial stability.
Staysure Travel Insurance reviews on Trustpilot
Key Points
- Staysure Travel Insurance holds a strong overall rating of 4.7 out of 5 on Trustpilot, based on over 487,000 reviews, with the majority being 5-star ratings that highlight its reliability for many customers.
- Research suggests positive feedback often focuses on the user-friendly website, competitive pricing (especially for older travelers or those with pre-existing conditions), and helpful customer service.
- Evidence leans toward some dissatisfaction in areas like claims processing, technical glitches with the online platform, unexpected auto-renewals, and handling of medical declarations, though these appear less common.
- Recent trends show mostly favorable experiences, but isolated complaints on social media indicate potential issues with repatriation, high premiums for complex health needs, and delays in claims responses.
- While generally well-regarded, customer experiences can vary, particularly for those with specific medical or technical challenges, so reviewing policy details carefully is advisable.
Positive Aspects
Customers frequently praise the simplicity of obtaining quotes and purchasing policies online, noting that the process is quick and straightforward. Many appreciate the coverage options for pre-existing medical conditions, such as diabetes or high blood pressure, which are often included without excessive premiums. Staff are described as patient and professional, providing clear explanations during phone interactions. Competitive value for money, especially for seniors, is a recurring theme, with some users loyal for multiple years due to reliable service.
Negative Aspects
On the flip side, some reviews highlight frustrations with account access, such as login issues or difficulties downloading documents. Complaints about automatic renewals leading to unexpected charges have surfaced, leaving customers feeling shortchanged. Claims handling can be slow or disputed in certain cases, including refusals for repatriation or additional costs for policy changes. Pricing for those with disabilities or recent surgeries may not include expected discounts, pushing some to competitors. Technical timeouts during payments and poor phone connection quality also appear in lower-rated feedback.
Recent Social Media Insights
Discussions on platforms like X (formerly Twitter) reflect similar mixed sentiments. Positive mentions include recommendations for those with multiple conditions, while negatives focus on high costs, claim delays, and specific disputes like mis-sold policies or repatriation refusals. These anecdotal reports suggest that while Staysure suits many, complex cases may require extra scrutiny.
Staysure Travel Insurance has established itself as a prominent provider in the UK market, particularly appealing to older travelers and those with pre-existing medical conditions. As of September 10, 2025, the company boasts an overall Trustpilot rating of 4.7 out of 5, derived from approximately 487,000 reviews, positioning it as one of the highest-rated travel insurers on the platform. This score categorizes Staysure as “Excellent,” with the company itself claiming to have more 5-star reviews than any other travel insurance provider in the UK. The high volume of reviews provides a robust dataset, reflecting a broad customer base that includes frequent travelers, seniors, and expatriates.
Rating and Review Distribution
Although exact percentage breakdowns are not always explicitly detailed in summaries, the overall 4.7 rating implies a heavy skew toward positive feedback. Based on company promotions and aggregated data, the majority of reviews (estimated around 80-85% based on similar high-rated profiles) fall into the 5-star category, praising aspects like ease of use and value. Lower ratings, comprising roughly 5-10% of the total, include 1-star and 2-star reviews that focus on operational hiccups. For context, Staysure’s Expat Travel Insurance variant holds a slightly lower 4-star rating on a separate Trustpilot page with about 8,800 reviews, but the main travel insurance arm remains the focus here.
Star Rating | Estimated Proportion | Common Themes |
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5-Star (Excellent) | ~80-85% | User-friendly site, competitive quotes, helpful staff, good coverage for medical conditions. |
4-Star (Great) | ~10-15% | Solid value but minor suggestions for improvements like clearer policy wording. |
3-Star (Average) | ~3-5% | Neutral experiences, often citing average service without major issues or praises. |
2-Star (Poor) | ~1-3% | Frustrations with technical issues, payment glitches, or partial dissatisfaction with support. |
1-Star (Bad) | ~1-3% | Severe complaints about claims denials, auto-renewal charges, or account access problems. |
Note: Proportions are inferred from the overall score and review patterns, as direct breakdowns were not available in sourced content; actual figures may vary slightly.
Common Positive Themes
Reviewers consistently highlight the intuitive online platform, which allows for quick quote generation and policy customization. For instance, many note the ease of declaring pre-existing conditions without prohibitive costs, making it suitable for conditions like arthritis or high blood pressure. Customer service receives acclaim for professionalism, with agents described as courteous and efficient in resolving queries. Value for money is another strong point, especially for annual multi-trip policies or single trips tailored to specific needs. The 24-hour emergency helpline and comprehensive coverage for medical emergencies and repatriation add to the appeal. Excerpts from recent 5-star reviews include:
- September 10, 2025: “Quick, easy to understand and follow. Great value for money.”
- September 10, 2025: “The website is easy to navigate and offers competitive prices for older customers, confident in their support if needed.”
- September 9, 2025: “The lady dealt with was extremely professional, courteous, and calm despite the reviewer’s annoyance during quotation editing.”
- September 8, 2025: “Ease of using the site, level of options available.”
- September 2, 2025: “Simply very easy, online form knew of a medical niggle to mention.”
These themes align with Staysure’s awards, such as being named Best Company for Travel Insurance at the British Travel Awards from 2016 to 2024.
Common Negative Themes
Despite the high rating, a subset of reviews points to areas for improvement. Key issues include difficulties with the online portal, such as login blocks, timeouts during payments, and challenges downloading policy documents. Automatic renewals have led to unexpected deductions, causing financial inconvenience for some users.
Claims processes occasionally draw criticism for delays or denials, particularly in complex scenarios like repatriation or recent medical changes. Pricing discrepancies, especially for disabled travelers or those with recent surgeries, result in no discounts or sharp increases. Phone support quality varies, with reports of accented speech, poor connections, or unresolved issues after multiple calls. Excerpts from recent 1-star and 2-star reviews illustrate these:
- September 9, 2025 (1-star): “I’ve just bought insurance with you and now I can’t get back on the site.”
- September 8, 2025 (1-star): “No discount for disabled travelers. Have used Staysure for many years… had to move to another company.”
- September 8, 2025 (1-star): “Still Took money when automatic renewal was not setup & have email stating automatic renewal was deactivated.”
- September 7, 2025 (1-star): “Why did you take an annual renewal… This has left me short of money in the USA now.”
- September 8, 2025 (2-star): “Trying to set up an account was painful and wouldn’t accept the password or allow changes.”
- September 8, 2025 (2-star): “Thanks for the discount on a huge price increase; kept getting timed out while trying to pay, had to do it 3 times.”
- September 6, 2025 (2-star): “Disappointing experience, contacted Staysure 3 days running due to payment issues… staff tried to help but couldn’t resolve.”
These complaints represent a minority but underscore potential pain points for prospective customers.
Recent Trends and Social Media Feedback
In the past month (August-September 2025), Trustpilot reviews maintain the positive momentum, with most recent entries being 5-star and emphasizing simplicity and value. However, social media platforms like X reveal more pointed criticisms. For example, one user detailed an 11-week battle over a mis-sold policy and repatriation refusal, seeking public assistance.
Another highlighted high costs for multiple conditions, while a third complained about claim delays exceeding quoted times. Positive mentions include endorsements for handling complex health needs and advertising expansions. Additionally, broader discussions touch on EU travel requirements, where proof of medical insurance may be needed, with Staysure positioned as a viable option.
Comparative Context and Recommendations
Compared to peers, Staysure stands out for its focus on seniors and medical coverage, often outperforming in Trustpilot stars (e.g., versus competitors like AllClear or Co-op Insurance mentioned in user alternatives). However, forums like Tripadvisor and MoneySavingExpert echo some Trustpilot negatives, advising caution for over-60s with health issues due to potential claim refusals. A 2025 blog analysis reinforces the 4.5-4.7 rating range, noting FCA regulation and Defaqto 5-star policies as strengths. For balance, counterarguments suggest that many negative experiences stem from misunderstandings of policy terms, and Staysure offers a refer-a-friend program with discounts to offset costs.
In summary, Staysure appears reliable for standard travel needs, but those with intricate medical histories or tech concerns may benefit from comparing quotes and reading fine print. The evidence overall leans positive, supported by the sheer volume of satisfied customers, but acknowledges room for improvement in digital robustness and claims efficiency.
Useful Links
- Staysure Travel Insurance Reviews – Trustpilot
- Staysure Expat Travel Insurance Reviews – Trustpilot
- Staysure Travel Insurance Reviews | Customer Feedback
- Staysure Travel Insurance – Senior Travel Forum – Tripadvisor
Does Staysure Travel Insurance Cover Pregnancy
Staysure travel insurance offers coverage for certain pregnancy complications, but with specific conditions and limitations to ensure the safety of the traveler and unborn child. Research suggests this applies to unforeseen emergencies rather than routine care, and coverage may vary by policy type.
It seems likely that international trips are included, as the policies are designed for travel abroad, though airline approval and fitness to travel are key factors. Evidence leans toward requiring declaration only for related pre-existing conditions, acknowledging that pregnancy alone isn’t viewed as a medical issue.
Coverage for Complications and Medical Expenses
Staysure policies can cover a range of pregnancy complications, such as ectopic pregnancy or pre-eclampsia, along with related medical expenses if they arise unexpectedly during a trip. This includes up to unlimited emergency medical expenses in some policies, but only if the complications fit the defined list and the due date meets the required timeline. For instance, expenses for emergency caesarean sections may be included if medically necessary.
International Trips and Emergencies Abroad
Coverage extends to international travel, focusing on medical emergencies like pregnancy-related issues that require immediate treatment abroad. 24-hour emergency support is available, but travelers must contact assistance promptly, and repatriation costs may be covered if needed.
After Booking and Pre-Existing Conditions
If pregnancy is discovered after booking, coverage for complications can still apply without needing to declare the pregnancy itself, as long as no related complications or conditions existed beforehand. However, any pre-existing conditions tied to the pregnancy, like gestational hypertension, must be declared during the medical screening process to avoid invalidating the policy.
Exclusions and Limitations
Key limitations include no coverage if the due date is less than 8 weeks (16 for multiples) after the trip ends, or for normal childbirth unless it’s an emergency. Exclusions also apply to voluntary terminations or treatments that could wait until returning home. Always review the specific policy wording for details.
Staysure travel insurance, a UK-based provider specializing in coverage for older travelers and those with medical conditions, includes provisions for pregnancy-related scenarios in its policies, but these are not blanket protections and come with clear boundaries to prioritize health and safety.
The company emphasizes that pregnancy is not inherently treated as a pre-existing medical condition, meaning standard policies can accommodate expectant travelers without mandatory disclosure unless complications or underlying issues are present. This approach aims to balance accessibility with risk management, reflecting industry norms where unforeseen emergencies are prioritized over planned or elective care.
In terms of specific coverage for pregnancy complications, Staysure outlines a detailed list of conditions that qualify for protection under its emergency medical sections. These are typically covered as part of the broader medical expenses benefit, which can extend up to unlimited amounts depending on the policy level (e.g., Basic, Comprehensive, or Signature).
For example, complications like toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole (molar pregnancy), post-partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, and premature births more than 8 weeks (or 16 weeks for known multiples) before the expected delivery date are explicitly included. This also encompasses medically necessary emergency caesarean sections or terminations. However, certification from a doctor confirming the medical necessity is required for claims, and coverage only kicks in for sudden, unforeseen events during the trip.
Regarding pregnancy-related medical expenses, these are covered when tied to the listed complications, falling under the emergency medical and repatriation expenses section. This can include hospital stays, doctor consultations, and additional travel costs for repatriation if recommended by medical professionals. Limits vary by policy: for instance, emergency dental treatment (if related) is capped at £250 for Basic, £400 for Comprehensive, and £500 for Signature policies.
Additional accommodations or travel for a companion or to return children under 18 may also be reimbursed if the insured is incapacitated. Importantly, burial or cremation costs up to £5,000 or body repatriation are covered if authorized by Staysure Assistance. Travelers must contact the 24-hour emergency line as soon as possible—within 48 hours for hospital admissions—and obtain prior authorization for expenses over £350 to avoid reduced or denied claims.
For international trips, Staysure’s policies are inherently designed for overseas travel, providing coverage for pregnancy-related issues abroad as long as the trip is outside the home country (e.g., UK, Channel Islands, or Isle of Man). This includes medical emergencies stemming from complications, with support for repatriation if continuing the trip poses risks. However, travelers must confirm fitness to fly with their doctor or midwife and obtain airline authorization, as policies do not cover denied boarding due to pregnancy stage. No coverage applies for treatments within the home country or in private facilities where public options exist.
On the topic of coverage after booking, if pregnancy occurs or is discovered post-purchase, the policy remains valid without needing to update for the pregnancy alone, provided it aligns with the due date requirements and no pre-booking complications existed. Policyholders can manage changes via their online account, but any new medical developments related to pregnancy might require reassessment. This flexibility acknowledges that life events like pregnancy can happen unexpectedly, but it underscores the importance of not booking trips close to the due date.
Exclusions and limitations are prominently detailed to prevent misunderstandings. Chief among them is the timeline: no coverage for pregnancy complications if the expected delivery date is less than 8 weeks (16 for multiples) after the trip’s end. Normal childbirth or routine prenatal care is excluded unless it escalates to a medical emergency.
Other exclusions include claims from voluntary terminations, treatments that can be delayed until returning home, replacement of pre-trip medications, rehabilitation, or costs deemed unreasonable. For cancellation or trip interruption claims, pregnancy known at booking (if the due date violates the timeline) voids coverage. Additionally, failure to contact assistance promptly or using unauthorized providers can limit reimbursements.
When it comes to pre-existing conditions, pregnancy itself is not classified as one, so no declaration is needed unless linked to an underlying issue, such as high blood pressure or a history of complications. Pre-existing conditions are defined broadly as any medical issue requiring treatment, medication, or consultation in the two years prior (or anytime for cardiovascular problems).
These must be declared via online screening or phone during purchase; undeclared conditions invalidate related claims, potentially leading to significant out-of-pocket expenses abroad. Staysure’s medical screening process is user-friendly, allowing acceptance of most conditions, often with an additional premium.
For pregnancy medical emergencies abroad, coverage mirrors the general emergency provisions, emphasizing immediate, unforeseen needs. This includes coordination with Staysure Assistance for locating treatment, authorizing care, and arranging transport. Outpatient treatments over £350 or inpatient care require immediate notification. Policies exclude costs for procedures available post-repatriation or in home countries, and emphasize using reciprocal healthcare agreements like the GHIC/EHIC in Europe to reduce bills.
To illustrate the coverage scope, here’s a table summarizing key covered complications and associated conditions:
Complication | Description | Coverage Conditions |
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Toxaemia | Severe form of pre-eclampsia involving organ damage | Must be unforeseen; due date >8 weeks post-trip (16 for multiples) |
Gestational Hypertension | High blood pressure during pregnancy | Medically certified; emergency only |
Pre-eclampsia | High blood pressure with protein in urine | Excludes if pre-existing and undeclared |
Ectopic Pregnancy | Embryo implants outside uterus | Covered as emergency medical expense |
Hydatidiform Mole (Molar Pregnancy) | Abnormal growth of trophoblast cells | Limited to immediate treatment abroad |
Post-partum Haemorrhage | Excessive bleeding after birth | Only if occurs during trip and emergency |
Retained Placenta Membrane | Placenta not fully expelled after birth | Requires doctor confirmation |
Placental Abruption | Placenta separates from uterus prematurely | Unforeseen and during trip |
Hyperemesis Gravidarum | Severe nausea and vomiting | Covered if leads to hospitalization |
Placenta Praevia | Placenta covers cervix | Emergency interventions only |
Stillbirths/Miscarriage | Loss of pregnancy | Psychological support not explicitly covered |
Premature Births | Birth >8 weeks early (16 for multiples) | Includes emergency C-sections/terminations |
Another table for policy levels and example limits (based on Signature policy wording):
Policy Level | Emergency Medical Expenses Limit | Additional Travel/Accommodation | Emergency Dental |
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Basic | Up to £5 million | Up to £1,000 | £250 |
Comprehensive | Up to £10 million | Up to £2,000 | £400 |
Signature | Unlimited | Up to £5,000 | £500 |
These details highlight Staysure’s focus on emergency scenarios while excluding predictable or elective aspects of pregnancy. Travelers are advised to review full policy documents and consult Staysure directly for personalized quotes, as coverage can vary by individual circumstances and policy updates.
Useful Links :