Staysure Travel Insurance Review 2026: Best for Older Travellers and Pre-Existing Conditions?

What Staysure is

Staysure is a travel insurance brand aimed largely at older travellers and people with pre-existing medical conditions. It is a trading name of TICORP Limited, a company registered in Gibraltar with company number 111526. TICORP is authorised and regulated by the Gibraltar Financial Services Commission and trades into the UK on a freedom of services basis under Financial Conduct Authority reference 663617. The policies are administered by Howserv Limited, registered in England and Wales (company number 03882026) and authorised and regulated by the FCA under reference 599282.

That structure matters because the brand name on the website is not the entity that pays claims. The party that decides whether a sentence in the policy applies is the underwriter, and Staysure names this clearly in its policy wording.

Who underwrites the cover

The Staysure Signature policy wording states: all sections of the insurance apart from the legal costs section are underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is incorporated in England and Wales with company number 13436330 and a registered office at 10 Fenchurch Avenue, London, EC3M 5BN. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm reference number 955859.

The legal costs and expenses section is underwritten and administered separately by DAS Legal Expenses Insurance Company Limited, which holds FCA reference 202106. The policy wording also confirms that Howserv Limited, Great Lakes Insurance UK Limited and DAS are covered by the Financial Services Compensation Scheme, with most insurance contracts protected at 90 percent of the claim with no upper limit.

What policies Staysure offers

Staysure structures its travel insurance across three levels of cover: Basic, Comprehensive and Signature. Each level is available on a single-trip basis or as an annual multi-trip policy, and the brand also references a separate long stay product for longer journeys. Optional extras named in the documentation include a Cruise Plus add-on, Winter Sports cover, Golf cover, a Travel Disruption Extension, Gadget cover and a Car Hire Excess Waiver.

The unlimited emergency medical figure and the higher cancellation limit sit on the Comprehensive and Signature tiers rather than across every level, so the cover level chosen changes the limits that apply.

Pricing structure

Staysure does not publish a flat monthly or annual price, because travel insurance is priced individually. The premium depends on the traveller's age, the destination region, the trip length, the level of cover and any declared medical conditions. The policy documentation confirms that cancellation cover can be increased to 15,000 pounds subject to underwriting criteria, which signals that the headline limit is conditional rather than automatic. Because pricing is quote-based, the figure a traveller sees is specific to that traveller and is not a fixed list price that can be quoted in general terms.

What is covered and excluded

The table of benefits in the Signature wording shows emergency medical and repatriation expenses as unlimited, cancellation up to a level that can be increased to 15,000 pounds, and additional sections covering cutting short a trip, missed departure, travel delay, personal baggage, personal money, personal accident, personal liability, hijack and pet care, among others.

The medical exclusions are detailed and worth reading closely. The policy will not cover cancellation or cutting short claims relating to any medical condition for which the traveller is awaiting a medical procedure, although other sections may still apply for certain accepted procedures. Cover for cancellation claims only applies if the trip was booked, or the policy purchased, before the traveller was told they needed the procedure. The Foreign, Commonwealth and Development Office advises that declaring existing conditions and pending treatment is essential, and that failing to declare can invalidate a policy, so the screening step is not optional paperwork.

On age, the wording is specific: there is no upper age limit on single-trip or annual multi-trip cover, while the long stay policy requires the traveller to be 75 years of age or under. Staysure states on its own materials that it screens more than 1,300 medical conditions and that 97 percent of customers are able to get medical cover.

How Staysure compares

Staysure's positioning is built around two features that not every general travel policy offers: the absence of an upper age limit on standard trips and a screening process designed to take on a large number of pre-existing conditions. The relevance of medical cover is underlined by industry data. The Association of British Insurers reported that its members paid 472 million pounds across more than 500,000 travel claims in 2024, of which medical claims accounted for 262 million pounds, with an average medical claim of 1,528 pounds and one member paying more than 1 million pounds for a customer hospitalised and repatriated from the USA.

Against that backdrop, an unlimited emergency medical limit and a willingness to screen conditions are the features most likely to matter for the audience Staysure targets. The trade-off is that higher limits sit on the upper tiers, and the cancellation increase to 15,000 pounds is subject to underwriting, so the brand's headline figures depend on the level bought and the answers given at screening.

How to make a claim

For a medical emergency abroad, the policy requires the traveller to contact Staysure Assistance on 01403 288 414, a line the wording states is open 24 hours a day, 365 days a year. Prior authorisation is required before incurring expenses over 350 pounds except in a genuine emergency, and if a traveller is physically prevented from making contact immediately, they or someone acting for them must make contact within 48 hours.

For non-emergency claims, the wording directs travellers to the claims team on 01403 288 410, or to register a claim online at the Staysure claims page. Legal costs claims are handled separately under the DAS section. Documentary evidence is specified section by section: cancellation invoices for cancelled trips, medical certificates for illness-related cancellations, and carrier confirmation for delays.

Who Staysure might suit

On the verified detail, Staysure is built for travellers who are older or who have medical conditions to declare and who want those conditions screened rather than excluded by default. The no-upper-age-limit position on single and annual trips, the unlimited emergency medical limit on the higher tiers, and the stated screening of more than 1,300 conditions all point at that audience. Travellers with no medical history and no age concern may find the same protections available more cheaply elsewhere, while those with conditions to declare are the group for whom the screening process and the underwriting behind the cancellation limit are most relevant. As always, the limits that apply depend on the tier bought and the declarations made, and current terms should be confirmed directly with the provider.

Sources

• Staysure travel insurance product page
• Staysure Signature travel insurance policy wording (underwriter, limits, age limits, claims)
• Staysure policy wording help guide (TICORP and Howserv regulatory detail)
• FCDO foreign travel insurance guidance
• ABI 2024 travel insurance claims statistics
• Financial Services Compensation Scheme