- Staysure and Avanti are both trading names of TICORP Limited, registered in Gibraltar (company number 111526) under FCA reference number 663617.
- Both brands are administered by Howserv Limited (FCA FRN 599282), based in Northampton.
- Staysure advertises cancellation cover up to 15,000 pounds; Avanti advertises cancellation cover up to 7,500 pounds per person.
- Both brands state they can cover more than 1,300 pre-existing medical conditions, subject to medical screening.
- Unlimited emergency medical cover is offered on Staysure's Comprehensive and Signature tiers and on Avanti's Deluxe tier.
Staysure and Avanti at a glance
Staysure and Avanti are frequently presented to shoppers as separate companies, but the regulatory footers on both websites point to the same legal entity. Each brand is a trading name of TICORP Limited, a company registered in Gibraltar with company number 111526 and authorised to trade into the United Kingdom under Financial Conduct Authority reference number 663617. Both brands are administered by Howserv Limited, which is regulated by the FCA under reference number 599282 and based at Britannia House in Northampton.
That shared parentage matters for anyone comparing the two. The brands sit under one corporate roof, so the comparison is less about rival firms and more about how a single provider has positioned two products at different cover limits and price points. Both target travellers with pre-existing conditions and older age groups, and both publish similar headline messaging around medical declarations.
The practical differences appear in the published cover limits and the tier names rather than in the underlying corporate structure or regulatory permissions.
Cover limits compared
The clearest published difference is the cancellation limit. Staysure advertises cancellation cover up to 15,000 pounds. Avanti advertises cancellation cover up to 7,500 pounds per person. For travellers booking expensive trips, multi-leg itineraries or non-refundable cruises, the difference in the headline cancellation ceiling is the single most visible distinction between the two brands.
On emergency medical expenses, both brands reach an unlimited figure on their higher tiers. Staysure states that its Comprehensive and Signature policies carry unlimited emergency medical cover. Avanti states that unlimited medical expenses apply on its Deluxe policies. Lower tiers on either brand may carry a capped medical limit, so the level chosen, rather than the brand name, determines whether a traveller has an unlimited or a fixed medical ceiling.
The scale of medical costs is the reason these limits are worth checking. According to the Association of British Insurers, members paid out 262 million pounds in travel medical claims in 2024, with an average medical claim of 1,528 pounds, and one member paid more than 1 million pounds for a single customer hospitalised in the USA who required repatriation. A capped medical limit can be exhausted by a serious overseas hospital admission, which is why the tier selection carries weight.
Age limits and eligibility
Staysure states that it has no upper age limit and references customers in their 80s, 90s and beyond. Avanti markets cover across age bands including over 50s, over 60s, over 70s and over 80s, without publishing a stated maximum age on its general pages. Both brands therefore position themselves toward older travellers, a segment that often finds mainstream policies harder to obtain.
On medical eligibility, both brands publish near-identical messaging: each states it can cover more than 1,300 pre-existing medical conditions, subject to screening. Staysure additionally states that 97 per cent of its customers are able to get medical cover. Because both products run a screening process, the outcome for any individual depends on the conditions declared rather than on which of the two brands is approached.
The Foreign, Commonwealth and Development Office advises travellers to declare existing conditions, pending treatment or tests, because failing to declare something may invalidate a policy. That guidance applies equally to both brands, and the screening process is the mechanism by which each captures those declarations.
Pricing structure
Neither brand publishes fixed premiums on its main pages, because pricing is quoted per traveller based on age, destination, trip length, declared medical conditions and the cover level selected. As a result, a direct like-for-like price cannot be stated from published material alone, and the only reliable way to compare cost is to run identical details through each brand's quote process.
Both brands offer single trip and annual multi-trip structures, and both offer cruise cover as a distinct option. The FCDO notes that cruises generally require an additional level of cover because reaching hospital treatment is more difficult, which is consistent with both brands treating cruise protection as a separate selection rather than a default inclusion.
Because the two products share an administrator and a regulatory entity, a traveller comparing quotes should focus on the cover schedule attached to each quote, not on assumptions about one brand being structurally cheaper than the other.
Claims handling
Both brands are administered by Howserv Limited, which handles policy administration for the TICORP-owned brands from Northampton. Staysure references a UK-based claims team and publishes a claims contact line. Given the shared administrator, the claims infrastructure behind the two brands is closely related rather than independent.
Travellers should confirm the current claims process and contact details on the policy documents issued with their specific cover, since the administrator's contact routes and any medical assistance lines are set out there. The published headline figures on either website are a starting point, and the policy wording governs what is actually payable.
Which traveller each suits
On published limits alone, the higher cancellation ceiling sits with Staysure at up to 15,000 pounds, which is relevant to travellers with large non-refundable bookings. Avanti's cancellation ceiling of up to 7,500 pounds per person may be sufficient for travellers with lower-value bookings, and the per-person basis can suit groups where each traveller's prepaid costs are counted separately.
For emergency medical cover, both brands can reach an unlimited figure provided the traveller selects the qualifying tier: Comprehensive or Signature on Staysure, or Deluxe on Avanti. For pre-existing conditions, the 1,300-plus condition messaging and screening process are common to both, so the deciding factors are the specific quote returned and the cover schedule, not the brand badge.
Because both brands belong to TICORP Limited and share an administrator, the comparison is best treated as a choice between two cover schedules from one provider rather than between two separate insurers.
If you find it difficult to get cover because of a pre-existing condition, the Money and Pensions Service operates a travel insurance directory of specialist providers via its MoneyHelper service. Visit the MoneyHelper travel insurance directory or call the Money Helper Customer Contact Centre on 0800 138 7777 (Monday to Friday, 8am to 6pm).
