Additional cover options

Yes, you can get cruise insurance, even if you have medical conditions.

It's important you declare any pre-existing medical conditions you may have on your travel insurance.

Through our trouble-free quote process, we’ll ask you to tell us about any symptoms, appointments or investigations you’ve had in the past two years as well as if you’ve ever had any of the following:

• Cardiovascular or circulatory condition, e.g. heart condition
• Hypertension (high blood pressure)
• Blood clots
• Raised cholesterol
• Stroke
• Aneurysm

Please note: If you have ever had surgery, tests, anything undiagnosed or a terminal prognosis then you'll also need to make us aware.

With cruise travel insurance, if you buy your cover as soon as you’ve booked your cruise (or make sure your policy is active as soon as possible if you have an annual policy), you’ll be covered for cancellation.

For full terms and conditions visit our policy wording booklet.

A Single Trip Travel Insurance policy can be bought up to 18 months in advance of your cruise (Depending on age & medical score), which will cover you if you have to cancel your trip due to unforeseen circumstances.

 

One of the main attractions of a cruise holiday is that it gives people the chance to see different destinations in one trip.

When it comes to getting cruise travel insurance, it’s important you make sure all the countries/destinations you’re calling at are listed on your policy.

To add multiple destinations, you can use our quote form available here. If you have an existing policy, you can update your destinations by logging in to your My Staysure account.

 

If you’re taking an ocean or river cruise, or either form part of your trip, you’ll need cruise travel insurance or cruise cover. 

We offer two ways to cover your cruise holiday.

1. Cruise Travel Insurance
   • Our comprehensive policy gives you up to unlimited emergency medical and repatriation expenses, up to £5,000 cancellation cover, up to £2,500 baggage cover and more.
      
   • Our Signature policy gives you up to unlimited emergency medical and repatriation expenses, up to £15,000 cancellation cover, up to £5,000 baggage cover and more.
      
   • Simply choose a Comprehensive or Signature policy and let us know that you’re going on a cruise.

1. Cruise Plus Travel Insurance - The same great cover above, with extra protection against those things you’ll only find on a cruise. Add our ‘Cruise Plus’ upgrade’ to your Comprehensive & Signature policy and be covered for:
   
   ✔  Missed port departures
   ✔  Itinerary changes
   ✔  Cabin confinement
   ✔  Unused excursions
   ✔  Cruise interruption

• For more information on the terms & conditions, please visit the policy wording booklet available HERE

 

 

Only if you selected cruise cover when you bought your policy. If you want to add cruise cover to existing policy (Comprehensive & Signature Policies only) Please login to your My Staysure account to update your policy or give us a call.​​​​​​​

Yes - river cruises are included in our cruise travel Insurance.

If your flight is delayed or cancelled, cruise travel insurance can still cover you even though your holiday is on a cruise ship or river boat.

You’ll need to check your policy to see what you’re covered for.

If you’re planning a UK cruise, some cruise lines including P&O and Cunard are currently asking for you to have a policy that covers you for £2m medical and repatriation expenses. We can endorse this with a UK policy.

A cruise is a trip on an ocean or river cruise ship where you stay onboard overnight with your own cabin. A ferry crossing does not count as a cruise (Even if travelling on a ferry overnight)

When you declare and cover all of your pre-existing medical conditions on your travel insurance, you will be covered if you need medical treatment while on your cruise.

You will not receive cover for the following activities under any of our travel insurance policies:

• Bobsleigh
• Freestyle skiing
• Heli-skiing
• Ice hockey
• Luge
• Off-piste Skiing or Snowboarding (outside recognised and authorised areas)
• Paraskiing
• Skeleton
• Ski jumping
• Ski racing
• Ski slope or Ski stunting
• Snow Mobiling

If you are interested in participating in an activity that is not listed in our policy wording, You can contact our friendly customer services team or speak with us via out webchat function.

 

This section of cover can be included in Comprehensive and Signature Cover policies only, subject to payment of the required additional premium, and it is shown on your Validation Certificate.

Winter sports equipment:

We will pay the above price for hiring replacement winter sports equipment, if yours were to be stolen, lost or damaged, during your holiday.
Make sure you provide us with receipts and written confirmation of the original purchase and its replacement hire. We will take into account the age of your lost items to work out a claim.

Ski pass:
You’ll be covered if your ski pass, which you’re carrying (or left in a safety-deposit box or safe) were to be stolen, lost or damaged.

Ski pack:
We’ll cover the unused part of your ski pack if you’re unable to take part in winter sports because of illness or injury (as long as you are medically certified as being unfit for your activity.)
A ski pack includes ski-school fees or ski instructor fees, and the cost of any lift pass that you have booked. You must make sure you have a Medical Certificate to send to us if you need to claim to state you couldn’t take part.

Winter sports equipment delay:
We will reimburse you if your equipment is certified by the carrier to have been misplaced for more than 12 hours on the outward journey of your trip.

Piste closure:
We will reimburse your costs for travel to an alternative safe area, if you are unable to participate in any activities at your pre-booked resort for more than 24 consecutive hours, because of insufficient snow causing total closure of the lift system.

Avalanche or Landslide:
We will cover you for the amount above for reasonable extra accommodation and travel expenses if avalanches or landslides affect the access to the ski resort, or public transport services are cancelled.

In order to have cover for winter sports, you will need to add our optional winter sports cover to your policy. You can do this either when you purchase a new policy or if you have already purchased a policy, you can add the Winter Sports Cover through your online account before you travel. To add the Winter Sports Cover, simply login to your online account and follow the instructions provided in this article.

You will only have cover under your winter sports travel insurance if the resort authorities classify the avalanche risk as 1 or 2. This means that if the risk level is determined to be moderate or low, your insurance will provide protection.

However, if you choose to engage in activities in areas that are classified as avalanche rating 3 or above, your insurance coverage will not apply. This is because these areas are considered to have a high risk of avalanches, and participating in activities there would be considered too dangerous for cover purposes. It is important to be aware of the avalanche risk level before engaging in any winter sports activities to ensure that you are adequately protected by your insurance policy.

Resort authorities classify avalanche risk as follows:

1 = Low
2 = Moderate
3 = Considerable
4 = High
5 = Very High.

Winter sports travel insurance is a specific policy that covers you for the extra risks that come hand-in-hand with winter sports. Risks that wouldn’t usually be covered by a standard travel insurance policy.

So, if your holiday involves skiing or snowboarding, add winter sports cover to your Comprehensive policy and protect yourself against the risks that come with snow, ice and high altitudes!

• Loss, theft or damage to equipment and ski passes
• Equipment hire fees if your equipment is lost, stolen, damaged or delayed
• Unused ski-school or ski-instructor fees
• Piste closure and avalanche/landslide delays

Winter sports cover is included with all Comprehensive & Signature annual multi trip policies.

So you can travel as often as you like, with the added bonus of:

• 21 days of winter sports cover for Comprehensive policies
• 28 days of winter sports cover for Signature policies.

Please note that for the Comprehensive & Signature annual multi trip policies, the cover is for 2 trips only and the number of days used per trip is based on the length of the trip, not just the number of days actually engaged in winter sports.

Emergency Accommodation

What is covered?

• If you are not able to reach your destination because your rental vehicle is damaged and cannot be
  driven as a result of an accident, we will pay for one night’s stay ONLY in a hotel/bed and breakfast for you and your passengers up to a maximum of £500

What is not covered

• We will only pay for the cost of the room and you will be responsible for any other costs associated with your stay.

Please refer to the General Exclusions and General Conditions sections for further information on the
the cover we provide under this policy.

For more information on the optional car hire excess cover, Please see here​​​​​​​

We will only provide cover for the following situations when it comes to roadside assistance and towing:

• If the hire vehicle breaks down following an incident which renders you unable to commence, continue or complete a journey as a result of your vehicle being unsafe to drive or being immobilised, you will need to contact the hire car company immediately and follow their instructions.
• If you are required to arrange or pay for the recovery of the vehicle, we will refund the costs you incur including fees, up to £1,000 for a breakdown vehicle to attend the scene, try and restore the hire vehicles mobility, and if required recover the vehicle to the destination of choice.

We will not provide cover for the following situations when it comes to roadside assistance and towing:

• Any costs where an invoice and evidence of payment can not be supplied.
• The costs of the repairs.

Please refer to the General Exclusions and General Conditions sections for further information on the cover we provide under this policy.

The General Exclusions section outlines any specific situations or circumstances that are not covered by the policy. It is important to review this section to understand any limitations or restrictions on the cover provided. The General Conditions section provides important information about the terms and conditions of the policy. This includes details about how to make a claim, the responsibilities of the policyholder, and any other relevant information that may affect the cover. 

For additional details regarding the optional car hire excess cover, please refer to the document linked HERE. This document provides comprehensive information about the car hire excess cover, including its terms, conditions, and cover details. 

We will only provide cover for drop-off charges in the following situations:

• We will pay up to £500 (or equivalent in local currency) for drop-off charges incurred in the event of you being unable to return the rental vehicle to the rental company, due to an accident or illness where hospitalization takes place.
• Important: For this benefit to be payable, you must present a medical certificate or letter from an authorized medical practitioner confirming the hospitalisation.

We will not provide cover for drop-off charges in the following situations:

• Where proof of hospitalisation is not available if requested by the assistance company.
  Where the vehicle rental is a one-way rental.
• Any amount exceeding £500 (or equivalent in local currency) for any one claim, or in any one policy term

Please refer to the General Exclusions and General Conditions sections for further information on the cover we provide under this policy.

The General Exclusions section outlines any specific situations or circumstances that are not covered by the policy. It is important to review this section to understand any limitations or restrictions on the cover provided. The General Conditions section provides important information about the terms and conditions of the policy. This includes details about how to make a claim, the responsibilities of the policyholder, and any other relevant information that may affect the cover. 

For additional details regarding the optional car hire excess cover, please refer to the document linked HERE. This document provides comprehensive information about the car hire excess cover, including its terms, conditions, and cover details. 

You will only receive cover for misfuelling costs in the following situations:

• Draining and flushing the fuel tank on-site using a specialist roadside vehicle or Recovery of the rental vehicle, the driver and up to six passengers to the nearest repairer to drain
  and flush the fuel tank.
• Replenishing the fuel tank with 10 litres of the correct fuel.
• You can only claim once per period of insurance.
• Reimbursement for costs including fees and taxes, up to a maximum value of £1,000 per claim.

You will not receive cover for any of the following circumstances:

• You will be responsible for paying any costs in excess of £1,000 per claim;
• Fuel, other than the 10 litres of correct fuel to replenish the fuel tank after draining and flushing out
  the contaminated fuel;
• Any claim resulting from foreign matter entering the fuel system except for diesel or petroleum;
• Mechanical or component damage to your rental vehicle whether or not caused as a result of
  misfuelling or the cost of hiring an alternative rental vehicle in the event mechanical or component
  damage is sustained;
• Any defect which is deemed NOT to be a direct result of misfuelling or a defect which existed before the incident of misfuelling;
• Any more than one claim relating to misfuelling during the period of cover
• Any vehicle or vehicles other than the rental vehicle or vehicles listed on the rental agreement.

Please refer to the General Exclusions and General Conditions sections for further information on the cover we provide under this policy.

The General Exclusions section outlines any specific situations or circumstances that are not covered by the policy. It is important to review this section to understand any limitations or restrictions on the cover provided. The General Conditions section provides important information about the terms and conditions of the policy. This includes details about how to make a claim, the responsibilities of the policyholder, and any other relevant information that may affect the cover. 

This will cover the cost of the excess (up to £4,000) in the event you make a claim under your Car Hire agreement.

• Car hire key covers up to £500 for each claim
• Misfuelling up to £1,000 per claim (only one claim per period of insurance)
• Roadside and Towing up to £1,000 per claim
• Emergency Accommodation up to £500

For more information about Car Hire Excess waiver, please visit our policy wording page.

To include this optional add-on, please access your My Staysure account by signing in. Once logged in, navigate to "My current policies" and select "amend my policy".

Follow the on-screen instructions until you reach the "Extra cover" tab, where you will find additional cover options and their corresponding prices.

So we can collect or refund any additional premium securely, amendments must be made via MyStaysure or by giving us a call. We are unable to action these via webchat or email but are working hard to move towards this in the future.

What is covered:

We will pay you £300 if you score a hole-in-one (gross) during your trip.

Special conditions relating to claims

1. You must be a member of a recognised golf club affiliated to a national golfing union and hold an official national golfing union handicap;
2. You must have your scorecard signed by your playing partner(s) who must be
   members of a national golfing union, and countersigned by the Secretary/Manager of the club at which the hole-in-one has been scored;
3. The golf course at which the hole-in-one is scored must be affiliated to the golfing union of the country in which it is located;

What is not covered:

1. If the golf course is of fewer than 18 holes or if the hole at which the hole-in-one is scored is shorter than 90 metres (98 yards);
2. If temporary greens and/or tee boxes are in use;
3. Anything mentioned in the General Exclusions.

If you wish to see further detail on the level of cover for your policy then you'll need to check the relevant policy wording.

 

We will pay you the sum of £50 per complete 24 hours, up to a maximum of £500, for the hire of replacement golf equipment if your own golf equipment is lost, stolen, or damaged, or it is certified by the carrier to have been lost or misplaced on the outward journey of a trip for a period in excess of 12 hours.

For more information on our terms & conditions, please visit the policy wording booklet available HERE​​​​​​​

 

 

Our insurance cover includes protection for your golf equipment, emergency equipment rental, non-refundable fees for golfing, and coverage for hole-in-one's. This cover is applicable only when playing golf non-professionally.

To include this optional add-on, please access your My Staysure account by signing in. Once logged in, navigate to "My current policies" and select "amend my policy".

Follow the on-screen instructions until you reach the "Extra cover" tab, where you will find additional cover options and their corresponding prices.

For more information on our terms & conditions as well as the table of benefits, please visit the policy wording booklet

Don't have a My Staysure account? No problem at all! We're here to help you get signed up for one. Just click HERE and you'll be on your way to enjoying all the amazing benefits it has to offer!

We’ll cover your gadgets, worldwide (subject to territorial limits), up to £2,000 (total maximum claim but can be spread over multiple items or a single item.)

Here’s what’s included with our optional gadget cover, on top of the standard personal belongings cover:

• Accidental damage:
  • We will arrange a repair if Your Gadget is damaged as a result of an accident or malicious damage. If Your Gadget cannot be repaired, We will replace it.
• Theft:
  • If Your Gadget is stolen, We will replace it. Where only part or parts of Your Gadget have been stolen, We will only replace that part or parts.
• Accidental loss:
  • If You lose Your Gadget, We will replace it. Please note laptops are not insured for Accidental Loss.
• Breakdown:
  • If Your Gadget suffers electrical Breakdown which occurs outside of the manufacturers guarantee / warranty period, then We will repair it. If Your Gadget cannot be repaired, We will replace it. This cover is not available on laptops.
• Unauthorised call/data use:
  • Unauthorised Call/Data Use If Your mobile phone is lost or stolen and is used fraudulently, We will reimburse You for the costs upon receipt of Your itemised bill, up to a maximum value of £2000. This includes calls, messages, downloads and data made / used from the time it was lost or stolen up to a maximum of 24 hours from discovery of the incident.
• Liquid damage:
  • If Your Gadget is damaged as a result of accidentally coming into contact with any liquid, We will repair it. If it cannot be repaired, We will replace it.

Gadgets can include:
Mobile Phones, Smart Phones, Laptops (including MacBooks or Custom Built laptops), Tablets, Digital Cameras, MP3 Players, CD/DVD Players, Games Consoles, Video Cameras, Camera Lenses, Bluetooth Headsets, Satellite Navigation Devices, PDAs, E-Readers, Head/Ear Phones, Wearable Technology (such as a Smart Watch or a Health and Fitness Tracker). Accessories are not included under this policy. Laptops (including MacBooks or Custom Built laptops) are not covered for Breakdown or Accidental Loss.

 

For both Basic and comprehensive, we can cover your gadgets as part of our list of valuables covered, which includes:

• Digital media
• Games consoles
• Laptops
• Tablets and other computer equipment
• Hand-held electronic devices (Mp3 players, Mp4 players, iPods, iPads, Kindles and other associated software.)

Please note: Signature policies include gadget cover as standard.

• Visit our Gadget cover policy wording for more information on what gadgets we cover.