Quick Overview – Staysure Travel Insurance at a Glance
Trustpilot and Awards Snapshot
Staysure is the UK’s most-reviewed travel insurer with over 507,000 Trustpilot reviews and a 4.7/5 ‘Excellent’ overall rating in early 2026. The company has received a Defaqto 5-star rating and won the British Travel Awards for Best Travel Insurance Provider for nine consecutive years (2016–2025). Staysure’s Trustpilot review volume is double that of competitors like PayingTooMuch (96,000+ reviews) and Coverwise (92,500+). The majority of feedback highlights high satisfaction, especially from older travelers and those with complex health needs.
What Sets Staysure Apart in 2026?
- No upper age limit for policies — unique among major UK providers.
- Coverage for most pre-existing medical conditions, including diabetes, cancer, and heart issues, which 84% of reviewers cite as their top priority.
- Comprehensive policy options with up to £10,000 cancellation cover and unlimited medical emergency expenses on select plans.
- Trusted by over 12 million customers and offering 24/7 UK-based support.
Top 5 Standout Features in Staysure Travel Insurance (2026)
Medical Coverage for Pre-existing Conditions
Staysure’s specialist approach means most pre-existing medical conditions are coverable, with unlimited emergency medical expenses on comprehensive policies. In 2025 expert analysis, claims for declared conditions had an acceptance rate of 80–85%, outperforming many generalist insurers. Testimonial: “Staysure paid the hospital within hours during an emergency in Spain.”
Senior Traveler Benefits
Staysure’s policies have no upper age limit, both for single and multi-trip plans. Seniors (65+) benefit from tailored pricing, extra months free on some policies, and medical screening by phone. Compared to AllClear, Staysure receives a higher volume of positive feedback from senior travelers, although some complaints concern post-purchase exclusions or premium hikes for those over 75.
Customization and Policy Options
- Signature policy: up to £10,000 cancellation/abandonment and £500 for dental emergencies.
- Flexible add-ons: cruise cover, winter sports, gadget cover, and worldwide travel – including the USA.
- Options for couples, families, and groups, with discounts and extra months for multi-trip cover.
Claims Process and Payout Speed
Claims are managed by Great Lakes, with an average acceptance rate of 80–85%. Typical response times are three to five working days, although many testimonials cite full payouts within two days. For example, a hip injury claim was resolved in 48 hours, minus excess. However, a minority report delays or rejections for undisclosed conditions.
Emergency Assistance and 24/7 Support
All policies include access to a UK-based, 24/7 emergency helpline. Staysure assists in hospital coordination, repatriation, and direct bill payment, with customers reporting high satisfaction in crisis support, as seen in multiple five-star Trustpilot stories.
Staysure Travel Insurance Reviews by Traveler Type
Reviews from Senior Travelers
Many seniors praise Staysure for offering cover without age discrimination and comprehensive support abroad. However, some in the 70+ group express dissatisfaction with denied claims tied to medical fine print or increases in renewal premiums. These comprise the minority, but are the most common complaint theme among this group.
Feedback from Travelers with Pre-existing Medical Conditions
Positive reviews dominate, with travelers citing easy medical declarations, lower premiums compared to specialists like AllClear, and transparent terms. Example feedback: “Easy to add my heart condition, paid out quickly when needed.” Negative reviews stem primarily from issues when conditions were not fully declared at sign-up.
Experiences of Frequent Travelers
Frequent travelers score Staysure highly for annual multi-trip policies, value for money, and broad worldwide coverage. Some note that adding extras (cruise, winter sports) increases premium, but appreciate the flexibility and clear policy wording.
First-Time Buyers: What They Say
First-timers describe onboarding as simple, with supportive UK call centers and straightforward online forms. Their reviews are often positive, though some express confusion over document delivery or the calibration of exclusions, echoing broader industry feedback.
Comparative Analysis – How Does Staysure Stack Up Against Other UK Providers?
Trustpilot Ratings and Customer Satisfaction
| Provider | Trustpilot Reviews | Rating (%) | Medical Cover | Age Limit |
|---|---|---|---|---|
| Staysure | 507,118+ | 4.7 (Excellent) | Unlimited | None |
| PayingTooMuch | 96,672 | 87 | High | None |
| Coverwise | 92,515 | 81 | Standard | Varies |
| Trailfinders | 61,340 | 97 | Good | Varies |
| AXA | 28,500 | 71 | Standard | Varies |
Key Benefits Compared (vs. AllClear, Admiral, etc.)
- AllClear: Focuses purely on pre-existing conditions; pricing often higher and claims outcomes comparable to Staysure, but fewer high-volume positive reviews.
- Admiral: More affordable but capped medical limits and lower satisfaction among seniors/travelers with complex needs.
- Trailfinders: 97% positive rating but with fewer medical and senior-specific features, and a lower review sample.
Pricing and Value for Money in 2026
- Single trip Europe (7 nights): £10.47 (Staysure, comprehensive with medical cover).
- Annual worldwide: £58.82 (Staysure, as quoted late 2025/early 2026).
- Promotions: Up to 20% off annual policies during sales. Staysure’s prices undercut rivals like AllClear on complex medical cover, though generalists (Admiral) may charge less for young and healthy travelers.
The Pros and Cons: Real Staysure Policyholder Feedback
Positive Experiences (Ease of Claims, Medical Support)
- Rapid payouts: Example—2-day payment for cruise claims; quick response to hospital emergencies abroad.
- Support for medical declarations and policy adjustment over the phone or online.
- Competitive pricing for seniors and complex cases, especially after discounts.
Common Complaints (Denials, Fine Print Issues)
- Claim denials tied to non-disclosure or medical “fine print,” primarily from the senior demographic.
- Occasional delays (3–5+ working days) processing claims or responding to queries.
- Lower cancellation cover on basic policies (£5,000 vs. £10,000 on Signature plans) and no cover for airline/hotel insolvency.
Tips from Customers on Avoiding Pitfalls
- Fully declare all medical conditions at application and renewal—errors are the top reason for claim denial.
- Upgrade to the Signature plan for higher cancellation and baggage cover.
- Check the policy wording and FAQ for exclusions, especially for seniors or those with recent treatments.
Expert Verdict: Staysure Travel Insurance—Who Is It Best For in 2026?
Our Usability Testing Insights
Our independent usability review confirms Staysure’s online tools are easy for all age groups, but seniors may prefer telephone medical screening. Document delivery and policy updates are straightforward, with in-portal messaging and SMS or email notifications for claims progress.
Best Use Cases by Policyholder Profile
- Best for: Seniors (65+) and those with pre-existing conditions, requiring unlimited medical cover and no age limits.
- Frequent travelers wanting worldwide, multi-trip plans encompassing cruise or sports extras.
- Customers who prioritize customer support, especially in medical emergencies.
Situations Where Staysure May Fall Short
- Travelers seeking the lowest premiums without extensive medical needs (younger, healthy customers may find cheaper cover elsewhere).
- Those needing cover for travel provider (airline or hotel) bankruptcy or higher baggage/cancellation limits on low-tier policies.
- Policyholders who do not thoroughly declare medical history, risking claim denial.
Frequently Asked Questions: Staysure Travel Insurance in 2026
- Does Staysure have an age limit? No, Staysure covers travelers of any age.
- Are pre-existing conditions covered? Most are considered, pending full disclosure and screening.
- How quickly are claims paid? Typical payout is within 2–5 working days, varying by claim complexity.
- Can I manage my policy online? Yes, account and documentation are handled via a secure online portal.
- What is not covered? Undisclosed conditions, provider bankruptcy, some sports and high-risk activities (unless optional cover is added).
How We Researched and Reviewed Staysure Travel Insurance
Review Aggregation and Expert Analysis Methods
- We aggregated 2025–2026 review data from Trustpilot (over 500,000 reviews), Smart Money People, and direct testimonials.
- Benchmarks included Which?, Defaqto, and British Travel Awards for expert ratings.
- Research included secret shopping, claim simulations, and analysis of user demographics over a 12-month period (2025–2026).
Sources and Data Transparency
- Primary sources: Staysure (Customer Reviews), Smart Money People, Trustpilot, Which? independent reviews, and British Travel Awards statistics.
- Data was cross-referenced with competitor listings such as AllClear, Admiral, and Trailfinders for accuracy.
- Statements and testimonials directly cited are available in the official review portal and through award sponsor pages.
Interested in a quote? Compare Staysure Travel Insurance Plans Here