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What You Need to Know Before You Buy Travel Insurance

Posted on June 30, 2020 by Lucy Hancock
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We know that travel insurance can look complicated at first. Your travel insurance is there to give you peace of mind when you’re on holiday, so you want to get it right.

To make the complicated bits easier to understand, we’ve written this guide of things to consider before you buy your cover, and how to choose the right policy for you.

What does travel insurance cover?

Your travel insurance is there to cover you for unexpected events and emergencies that can crop up while you’re away.

Whether you live with a pre-existing medical condition or not, a medical emergency could strike at the time you’re meant to be enjoying yourself. Staysure travel insurance can cover up to unlimited medical expenses, so you can travel with peace of mind, knowing that should you need medical treatment, you’ll have our help to put things right.

Then there’s things going wrong on holiday like lost luggage or a stolen passport. Flight delays, cancellations and even having to cut your trip short. Without travel insurance, these things would be expenses that you’d have to fork out for. But with a tailored travel insurance policy, you can be covered if the unexpected strikes before your trip or while you’re on your travels.

When should I buy my travel insurance?

When you buy your travel insurance is entirely up to you. By buying your single trip travel insurance as soon as you’ve booked your holiday, you should be covered for cancellation in case something goes wrong before you travel.

With a Single Trip Travel Insurance policy, cover for cancellation starts at the time you book the trip or pay the insurance premium, whichever is later. Single Trip policies from Staysure can be bought up to 18 months in advance of your holiday.

If you buy an Annual Multi-Trip Travel Insurance policy, cancellation cover starts from the date you choose to start your policy. This will be shown on your Validation Certificate, which you’ll receive after buying your travel insurance.

A Staysure Annual Multi-Trip Travel Insurance policy can be bought up to 30 days before the start date you choose.

Does Staysure have an age limit?

We have no upper age limit on both our Single Trip Travel Insurance and Annual Multi-Trip Travel Insurance policies. We don’t see age as a barrier for enjoying your holiday with confidence.

Children under 18 must be accompanied by a responsible adult over the age of 18 for the duration of your trip.

What is repatriation?

Repatriation is part of your medical travel insurance and is there to help if you need to be flown home from your holiday destination after a medical emergency.

Both of our travel insurance policy options include repatriation cover. Our Basic Travel Insurance policy offers cover for up to £5 million while our Comprehensive Travel Insurance policy offers unlimited cover for repatriation.

How do I add a medical condition to my travel insurance?

If you live with a pre-existing medical condition, it’s important to cover it with your travel insurance. To add a pre-existing medical condition to your policy, you’ll need to go through our simple medical screening process. The medical screening is a few straightforward questions we’ll ask about your health and any medical conditions you have before you get your travel insurance quote.

What is Insurance Premium Tax (IPT)?

Insurance Premium Tax (IPT) is a Government levy that applies to all insurance policies. Currently in the UK, travel insurance qualifies for 20% tax. This tax is not to be confused with Value Added Tax (VAT).

Can travel start outside the UK?

To be covered by your travel insurance policy, your travel must always start from the UK (including the Channel Islands and Isle of Man.)

What is the maximum trip duration?

How long you can travel for with your travel insurance will depend on your age, destination and the type of policy you’ve bought.

Single Trip Travel Insurance can cover you for up to 104 days, which is over 3 months, with no upper age limit.

Cover may be extended up to a maximum duration of 550 days, which is about 18 months, with our Long Stay Travel Insurance depending on age and destination.

Annual Multi-Trip Travel Insurance policies can cover all trips in a year, as long as the total time on your trips does not exceed 183 days (which is about 6 months) with a standard maximum single trip duration limit of:

  • 50 days if you’re aged 70 or under, which can be increased to 100 days for one trip with an additional premium
  • 35 days if you’re 71 and above.

Does travel insurance cover include business or voluntary work?

Your Staysure travel insurance policy won’t cover you for any business or voluntary work.

It’s important that you make sure your travel insurance policy covers what you need, for your claim to be valid if you needed our help further while you’re on holiday.

My passport isn’t in my married name, what name do I use on travel insurance?

It’s important that the name you use on your travel insurance matches the name listed on your passport.

Make sure your passport and travel insurance details match, whether that be your married or maiden name.

What’s the definition of a couple for travel insurance?

A couple for travel insurance is: you and your wife, husband, civil partner or partner who lives with you in a relationship for at least six months at the same address as you, regardless of gender.

On an annual policy, insured adults can travel independently.

What’s the definition of a family for travel insurance?

Travelling as a family? You may be wondering how many people can be listed on one policy and what is counted as a family for travel insurance.

We see family for travel insurance as:

  • You and your wife, husband, civil partner or partner who lives with you in a relationship for at least six months at the same address as you, regardless of gender

AND

  • Your unmarried, dependent children (including adopted, fostered and step-children) under the age of 18 years old (or under the age of 21 if in full-time education), living in the same household.

This includes children living away from home in full-time education.

What’s the definition of a single parent family for travel insurance?

Single parent travel insurance covers one adult, and all of his/her unmarried, dependent children (including adopted, fostered or step-children) under the age of 18 (or under the age of 21 in full-time education), living in the same household, including children living away from home in full-time education.

What travel insurance is best for seniors?

We don’t see age as a barrier when it comes to travelling with peace of mind. Both our single trip and annual policies have no upper age limit, including seniors.

Your tailored travel insurance policy for seniors can cover the pre-existing medical conditions you may have, and give you the reassurance that should you need to unexpectedly cancel your trip, you should be covered for cancellation up to your policy limits.

Can you travel alone on a group/couple/family travel insurance policy?

If you choose to travel alone on your group, couple or family annual travel insurance policy, you should be covered.
Just make sure your policy covers you individually, for any pre-existing medical conditions you may have, and the destination you’re travelling to is covered by your annual travel insurance policy.

What is the difference between single trip and annual travel insurance?

The difference between choosing a single trip or annual policy is how often you’re planning on travelling, how long you’re planning on travelling for and where you’re going on holiday.

For a limited time, with an Annual Multi-Trip Travel Insurance policy, you will be covered for multiple trips in a 15 month period instead of 12 months (trip limits and terms and conditions apply). You can buy your policy up to 30 days before you want it to start.

A single trip policy will cover you for one return trip and can be bought up to 18 months before you travel.

Both our single trip and annual policies have no upper age limit.

Lucy Hancock

by Lucy Hancock

Lucy Hancock is Staysure's Content Executive. As a specialist travel insurance provider, we aim to keep up-to-date with travel trends, all while offering tips on how to make the most of your holiday. Lucy travelled across Europe with Interrail in 2017, and her favourite destination was Budapest. She likes big books, big words and the colour yellow.