Travel insurance

Our travel insurance is designed fit your holiday – whether that’s by the beach, exploring a city, enjoying the snow or a cruise.

 

Every policy includes protect that covers:

 

• emergency medical expenses whilst abroad  
• trip cancellation if your holiday ends early  
• lost, stolen, or damaged baggage  
• travel delay and missed departure  
• pregnancy complications (up to a specific stage)  
• most pre-existing medical conditions  
• lost or stolen travel documents including passports 

 

It goes further than local health care cards like the GHIC or EHIC, covering private medical care, repatriation to get you home, and round-the-clock help in English. Plus, most pre-existing conditions can be covered up to age 85 – unlike some insurers, who may not help with pre-existing conditions. 

Unlike many general insurers, our travel insurance can provide specialist cover for most pre-existing medical conditions. If you don’t have the right cover and need help with your existing condition, you may be faced with a large medical bill. 

 

We cover most pre-existing medical conditions up to the age of 85, including those with complex health needs – so you can travel with confidence. From diabetes to asthma to heart conditions and high blood pressure, we’re here to help you travel knowing you’re covered 

 

When you get a quote, you’ll complete a short medical questionnaire so we can tailor your cover to your needs. 

 

• Medical and repatriation protection included as standard. 
• 24/7 medical emergency helpline, wherever you are in the world. 
• Fast access to approved care abroad, with direct billing to hospitals where possible. 

 

Even if you have a GHIC or EHIC, these only cover limited healthcare and won’t pay for private treatment or getting you home – that’s where we step in. 

You can tailor your travel insurance with optional extras to fit your plans: 

 

• Cruise cover – protection for missed ports, cruise interruption, cabin confinement, missed shore trips, itinerary changes, and medical emergencies at sea or in port.  
• Winter sports cover – includes protection for unexpected medical costs, unused passes, piste closures, avalanches and lost or damaged ski equipment. Available for single trip travellers aged 70 and under, and included as standard with Comprehensive annual policies (limited to 2 trips per year with a combined maximum of 21 days).*         
• Excess waiver – pay nothing towards any approved claim by removing the standard policy excess. Just add it when you buy your policy, as it can’t be added later on.* 
• Single item cover – increase protection for high-value belongings up to €1,000, compared to the standard €450 per item. You’ll need to make sure you list the item when you buy your policy.* 
• 100-day upgrade – extend a standard 50-day trip to 100 days for one holiday, available for travellers aged 70 and under with our Comprehensive policies only. 

 

Getting covered is simple: 

 

1. Tell us about your plans – let us know where you live, your destination, and your travel dates. 
2. Pick your cover level – choose the protection that matches your trip, from basic essentials to more extensive cover. 
3. Customise your policy – add optional extras such as cruise or single item cover. 
4. Tell us about any medical conditions – so you are covered if they cause you issues 
5. Buy and relax – for single trips, your protection starts as soon as you pay. For annual cover, it begins on the date you choose. Your documents will arrive instantly by email. 

    

Our claims process is designed to be clear, supportive and fast – so you know what to expect if something goes wrong. 

 

• Friendly, English-speaking expert claims team on hand to guide you 
• Clear step-by-step advice on what information to provide 
• Quick, fair decisions and prompt payouts on approved claims 
• Direct hospital billing where possible for emergency treatment 

 

Customers often tell us how quick and simple they found our claims process:

 

• 1st class service and quick to pay claim
  “Got sick on a trip to Thailand. Never made a claim in my life for anything but it was so easy when I got home. I spoke to them when I was in Thailand and they were very helpful. Claim paid out as expected. Highly recommended.” – Terry, Staysure Expat customer, Trustpilot review

 

• Superb, no hassle service.
  “We are choosing Staysure again as we had to make a claim some years ago and there was no fuss whatever in getting our money back from treatment on a cruise ship. We wouldn't even consider another company.” – Donna, Staysure Expat customer, Trustpilot review