Staysure travel insurance is one of the most recognisable names in UK travel cover — and for good reason. If you have a pre-existing medical condition, are over 50, or have simply been turned away or quoted eye-watering premiums elsewhere, Staysure was built with you specifically in mind. In this review, we dig into what the brand actually offers, how competitive the pricing is, and whether the cover holds up where it counts.

The short answer? For travellers who struggle to find comprehensive cover through mainstream providers, Staysure is genuinely one of the strongest options available in the UK market right now. But it's not the right fit for everyone — and we'll be honest about exactly where it falls short, too. Whether you're planning a fortnight in Spain or a long-haul adventure in your seventies, read on before you buy.

About Staysure: Who Are They?

Founded in 2004 and based in Northampton, Staysure set out to solve a very specific problem: the fact that older travellers and those with medical conditions were routinely being refused cover or charged prohibitively high premiums by mainstream insurers. Two decades on, the brand has grown into one of the UK's largest specialist travel insurance providers.

What sets Staysure apart in terms of reputation is the sheer volume of verified customer feedback behind them. They hold the distinction of being the UK's most reviewed travel insurance provider on Trustpilot, with more 5-star reviews than any other travel insurer in the country. That's not a marketing claim plucked from thin air — it reflects millions of policies sold to real customers who've been through the claims process.

They've also been recognised at the British Travel Awards consistently from 2016 through to 2025, which is a meaningful signal of sustained quality rather than a one-off accolade. Staysure is authorised and regulated by the Financial Conduct Authority (FCA), so you have the full protection of UK financial regulation behind any policy you take out.

What Staysure Offers: Products and Price Points

Staysure's product range is broader than many people realise. Yes, they specialise in cover for older travellers and those with pre-existing conditions — but their policies are open to all ages, and there's no upper age limit on cover, which is rare in this market.

Here's a breakdown of the main policy types available:

  • Single Trip Travel Insurance — Ideal for one-off holidays, city breaks, or long-haul trips. Prices start from around £10 for straightforward trips, though this will vary significantly depending on your age, destination, trip length, and any medical conditions declared.
  • Annual Multi-Trip Travel Insurance — Designed for frequent travellers who take two or more holidays a year. Often better value than buying individual policies each time.
  • Pre-Existing Medical Condition Cover — The flagship offering. Staysure will consider cover for a very wide range of conditions, including heart conditions, diabetes, cancer, and respiratory illness, that other providers routinely decline.
  • Emergency Medical Cover — Includes up to unlimited emergency medical expenses on higher-tier policies, which is a standout feature given how expensive overseas medical treatment can be.
  • Cancellation Cover — Protects your holiday costs if you need to cancel or cut your trip short due to illness, bereavement, or other covered events.

Prices across the range run from approximately £10 for a basic single-trip policy up to around £200 or more for comprehensive annual cover with extensive medical conditions declared. You can get a personalised quote in minutes at Staysure's website.

If we had to pick one Staysure product to highlight, it's the Annual Multi-Trip policy — and it's the one we'd steer most UK travellers towards if they take more than one trip a year.

What It Is

The Annual Multi-Trip policy covers an unlimited number of trips within a 12-month period, up to a maximum duration per trip (typically 31, 45, or 60 days depending on the option you choose). You declare your medical conditions once at the point of purchase, and you're covered for all your trips throughout the year without having to go through the process again each time you book a holiday.

Key Features

  • Up to unlimited emergency medical expenses on the highest tier — this is genuinely significant. A serious illness or accident abroad can cost tens of thousands of pounds, and some providers cap medical cover at £5–10 million. Unlimited cover removes that ceiling entirely.
  • 24-hour emergency helpline — staffed by specialists who can coordinate medical care, hospital admissions, and repatriation if needed. Available every day of the year.
  • Cancellation and curtailment cover — protects your holiday costs if you need to cancel before departure or return home early due to a covered reason.
  • Cover for pre-existing medical conditions — declared and assessed at the time of purchase, with a straightforward online medical screening process.
  • No upper age limit — you can take out a policy whether you're 65 or 85, which is not the case with many mainstream providers.

Who It's For

This policy is particularly well-suited to retired travellers or those in their 50s and 60s who take several holidays a year — a city break in spring, a summer beach holiday, perhaps a Christmas market trip — and who have one or more medical conditions to declare. Buying individual single-trip policies for each of those trips quickly becomes expensive and time-consuming. The annual policy streamlines everything.

Real-World Value

For a 65-year-old with well-managed type 2 diabetes planning three European trips a year, the annual policy typically works out considerably cheaper than three separate single-trip policies — and the peace of mind from knowing the cover is already in place whenever a new trip is booked is worth something in itself. Check the current price for your specific circumstances directly at Staysure's quote tool, as premiums are personalised.

Pros and Cons of Staysure

What We Like

  • No upper age limit on policies. This is genuinely rare in the UK travel insurance market and makes Staysure one of very few options for travellers in their 80s and beyond.
  • Extensive pre-existing condition cover. The medical screening process is thorough, and Staysure will consider conditions that many providers flatly decline — including cardiac conditions, recent cancer treatment, and chronic respiratory illness.
  • Up to unlimited emergency medical expenses. On the higher-tier policies, there's no cap on emergency medical cover, which is the number one thing that matters if something goes seriously wrong abroad.
  • Outstanding Trustpilot track record. More 5-star reviews than any other UK travel insurer is a meaningful benchmark, especially for a product where claims handling is everything.
  • Award-winning consistency. British Travel Awards recognition from 2016 to 2025 demonstrates sustained quality — not just a good year followed by a decline in standards.

Honest Drawbacks

  • Premiums can be high for complex medical histories. This is partly the nature of the product — covering higher-risk travellers costs more — but it's worth getting comparison quotes if your conditions are well-managed and stable, as you may find competitive pricing elsewhere.
  • The online medical screening can feel lengthy. Declaring multiple conditions requires working through a detailed questionnaire, which some customers find time-consuming. It's thorough for good reason, but it does take longer than a standard policy purchase.
  • Not the cheapest option for young, healthy travellers. If you're in your 20s or 30s with no medical conditions, Staysure's pricing isn't always the most competitive. Their real strength is in specialist cover, and budget-focused providers may undercut them for straightforward, low-risk policies.

Is Staysure Travel Insurance Worth It in 2026?

For the audience Staysure is designed for, the answer is a clear yes. If you have pre-existing medical conditions, are over 50, or have previously been refused cover or quoted unaffordable premiums by other providers, Staysure represents genuine value — not because it's the cheapest, but because it offers cover that is actually fit for purpose.

In the UK context, it's worth remembering that the European Health Insurance Card (EHIC) has been replaced by the UK Global Health Insurance Card (GHIC) for most travellers, which provides some access to state healthcare in Europe — but it doesn't cover repatriation, cancellation, lost luggage, or the full cost of private medical treatment. A proper travel insurance policy remains essential, and for anyone with a health condition, the quality of that cover matters enormously.

Staysure's combination of no upper age limit, unlimited medical expenses on premium tiers, and a demonstrably strong claims and customer service record makes it one of the most credible options in this space. Browse the full range at Staysure and use the online quote tool to see what your specific policy would cost.

Frequently Asked Questions About Staysure

Is Staysure a legitimate travel insurance provider?

Yes, Staysure is a fully legitimate and FCA-regulated travel insurance provider based in the UK. They've been operating since 2004, hold more 5-star Trustpilot reviews than any other UK travel insurer, and have won awards at the British Travel Awards every year from 2016 to 2025. Your policy is backed by UK financial regulation, and you have access to the Financial Ombudsman Service if any dispute arises.

Does Staysure cover pre-existing medical conditions?

Yes — this is actually Staysure's core specialism. They cover a very wide range of pre-existing conditions including heart conditions, diabetes, cancer (including recent treatment), COPD, stroke, and many others. You'll need to complete a medical screening questionnaire when you get a quote, and your premium will reflect the conditions declared. It's important to declare everything accurately, as undisclosed conditions can invalidate a claim.

How much does Staysure travel insurance cost?

Prices vary significantly depending on your age, destination, trip length, and medical history. A basic single-trip policy for a healthy traveller can start from around £10, while a comprehensive annual policy for an older traveller with multiple medical conditions could be £100–£200 or more. The best way to get an accurate figure is to use the quote tool directly at Staysure's website, as all pricing is personalised.

Is there an age limit on Staysure travel insurance?

No — Staysure has no upper age limit on their travel insurance policies. This is one of their most significant differentiators in the UK market, where many mainstream providers stop offering cover at 70 or 75. Whether you're 65 or 85, you can apply for cover, subject to the standard medical screening process.

What should I do if I need to make a Staysure claim?

If you need emergency assistance while abroad, Staysure provides a 24-hour emergency helpline that operates every day of the year. For non-emergency claims — such as cancellation or lost baggage — you'll need to contact their claims team and provide supporting documentation (medical certificates, receipts, police reports where applicable). It's worth keeping your policy documents and the emergency number saved on your phone before you travel. Claims can typically be initiated online or by phone, and Staysure's Trustpilot reviews suggest the claims process is generally handled efficiently, though complex cases involving significant medical expenses naturally take longer to resolve.

Our Verdict on Staysure

Staysure has earned its position as the UK's most reviewed travel insurer by doing the hard thing well: providing genuine, comprehensive cover for the travellers who need it most. The combination of no upper age limit, specialist pre-existing condition cover, up to unlimited emergency medical expenses, and a decade of consistent award recognition makes this a brand you can trust with something that genuinely matters.

It isn't the right choice for every traveller — if you're young, healthy, and purely price-driven, you may find cheaper options elsewhere. But for anyone over 50, anyone managing a health condition, or anyone who's been let down by a mainstream provider, Staysure is one of the most credible names in the market.

We give Staysure 4.5 out of 5. A specialist provider that genuinely delivers on its core promise, with the customer reviews and industry recognition to back it up. The only reason it doesn't score full marks is that premiums for complex medical histories can be steep — but that's the honest cost of meaningful cover, not a failing of the product.

Ready to see what your policy would cost? Get a personalised quote from Staysure today — it takes just a few minutes and could make all the difference to your next trip.