Buying a policy

While it’s not a legal requirement to have travel insurance for your trip, it is important to have. Travel insurance covers you for the unforeseen – things going wrong when you least expect them to.

Many tour operators will ask that you have comprehensive travel insurance before you go away, just in case something unexpected happens.

For medical expenses, travel insurance can save you a lot of money if you need treatment abroad, particularly in countries like the USA. In fact, the USA has the highest average price for a medical claim of £9,941, which is double that of the next highest average claim.

 

There are a number of variables that are used to calculate the price of a policy. These can be destination, duration, policy type, additional cover options, age and medical conditions.

This means that no two policies are the same and can vary from person to person.

 

In order to see previous quotes in your MyStaysure account, you need to ensure that you enter your date of birth on the website. You will need to use the following format DD/MM/YYYY, For Example, 01/01/2000

Without your date of birth being entered on the quote, we're unable to link it to your account.

Having trouble seeing your quote on your MyStaysure account? Get in touch with our friendly sales team.

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.

Don't forget, You can update any personal details via MyStaysure, Webchat, or by Emailing us.

Before you start your quote, make life easy for yourself and jot the following information down. It’ll save a lot of back and forth in the long run!

• Your travel dates

• The name of the country/countries you are visiting 

• The full name and age of any other named person(s) on the policy

• The names of any medical conditions of you/any other named person(s) on the policy

We are unable to provide information about the country or countries you wish to travel to.

You will be able to find this information from the tour operator or company you have booked your trip through. You will also be able to find information about your destination on the Foreign, Commonwealth and Development Office website.

A group policy is not age specific so you can add any range of ages onto a policy. Please note, any travellers under the age of 18 must be accompanies by an adult.

No, we will not inquire about your profession or job title.

On our website you can have up to 10 people on one policy. 

If you are looking for a larger group then you can have up to 30 people on one policy by contacting our sales team.

You can call our sales team on 0808 281 6255

Opening hours:

• Monday - Friday: 8.30am - 8pm
• Saturday: 9am - 5.30pm
• Sunday: 10am - 4pm
• Bank Holidays 9am - 5pm

As long as you selected the start date of your policy for the same day you travel then you will have cover in place. One thing to note is that you can't have already travelled as this will invalidate your policy.

Customers who want to protect their trip from cancellation can book their policy early - as leaving things till the last minute may mean that you’re not covered.

• With Annual Multi-Trip policies, you choose a start date up to 90 days in advance.
• New Single Trip policies can be purchased up to 18 months in advance of your start date.  Cancellation cover with Single Trip policies starts from the moment you buy your policy.

Even when you’re taking a break in the UK, many of the holiday risks remain the same.

Having a UK travel insurance policy for staycations and UK domestic cruises gives you extra peace of mind. So, you’ll be covered for up to £5,000 if you’re forced to cancel your trip or cut your holiday short, just as long as you’ve booked and paid for a place to stay for two nights of prepaid, pre-booked accommodation.

Any medical treatment you need in the UK (England, Wales, Scotland and Northern Ireland) will be covered by the NHS. But if needed, we can help you to be transferred to a hospital that’s closer to home, which wouldn’t usually be covered by the NHS.

For example, if you’re hospitalised in Scotland but live in Bristol, we could cover the costs of moving you to a hospital more local, if medically necessary.

If your new policy works out cheaper than the voucher credit you have to spend, you can save the rest for next time. Just use the same code as you used before, when it comes to spending the rest of your voucher.

Your remaining voucher balance will be there to use any time within 3 years of the initial issue date.

 

Please note: Vouchers cannot be redeemed for cash and must be used before the expiry date.

Some of the codes have a valid too date, please check if your code is still in date.

If you are still having difficulties then please contact our sales team who will be more than happy to assist. Alternatively, You can contact us via webchat which will receive a quicker response time over calling us during busy periods.

If you have a promotional code that you would like to use, you can easily redeem it along with your voucher.

To do so, simply enter the promotional code in the designated box during the checkout process. By doing this, you will be able to claim the discount associated with the promotional code.

You can scan your QR code using your smartphone which will take you directly to MyStaysure, If you cannot scan the QR code then don't worry. You'll also have a discount code in your letter/email.

You can use a promotional code to get a discount on the base premium of your policy. The promotional code will only apply a discount to the base price of your policy and will not discount any costs for pre-existing medical cover or any optional extras.

You can claim your discount at the checkout in the ‘Payment method’ section.

You can visit our Terms & Conditions for more information about eligibility.

If your voucher credit doesn’t cover the cost of your travel insurance policy, you can pay the remaining balance by card.

Yes, you can take out a policy on behalf of somebody else. This would make you the ‘policy organiser’ on any documentation.

• If you wish for someone else to speak about the policy you must ask for them to be added as a "Named Person" on the policy, This will then give them authority to speak to us when the policy organiser isn't present.

You can get a quote by clicking here!

There is no maximum age limit for individuals who have purchased either a single trip or annual multi-trip insurance coverage. However, if you have purchased a long stay policy, the coverage will only apply if you are 75 years of age or younger.

No, We don't cover one-way trips.

Please see the full eligibility below:

Eligibility
In order to be eligible for cover under a policy you must also be:

• A resident of the United Kingdom, Channel Islands, or the Isle of Man for six of the last twelve months;
• Registered with a doctor in the United Kingdom, Channel Islands, or the Isle of Man, if you live
  in England, Scotland, Wales or Northern Ireland you must have a National Insurance number
  (if aged 16 or older);
• Travelling from and returning to the United Kingdom, Channel Islands, or the Isle of Man:

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

Eligibility
In order to be eligible for cover under a policy you must also be:

• A resident of the United Kingdom, Channel Islands, or the Isle of Man for six of the last twelve months;
• Registered with a doctor in the United Kingdom, Channel Islands, or the Isle of Man, if you live in England, Scotland, Wales or Northern Ireland you must have a National Insurance number (if aged 16 or older);
• Travelling from and returning to the United Kingdom, Channel Islands, or the Isle of Man:

We have no upper age limit on either of our Single Trip Travel Insurance and Annual Multi-Trip Travel Insurance policies. We don’t believe age should be a barrier to travel.

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

We are unable to give advice on passport validity. Certain countries have specific rules around this.

To find this out you should visit the Foreign, Commonwealth and Development Office and search for the entry requirements for the county or countries you are visiting.

You can choose to pay for your travel insurance upfront via credit or debit card, or with our instalments option if you choose Annual Travel Insurance and it costs more than £80.

You can choose to make the payment online via MyStaysure or by contacting our customer services team.

What is not accepted as a form of payment?

We can only accept credit or debit cards as a form of payment for travel insurance. This means we can’t accept cheque payments, PayPal or business invoices.

Please Note: We do not accept American Express.

Do you store my bank details?

We don’t store your bank details when you buy our travel insurance. While your phone call with our team may be recorded, the recording will stop when you give your bank details.

If you choose to pay for your annual travel insurance monthly, your bank details will be stored safely by PCL to take your monthly payment. PCL’s privacy and security information can be found at:

PCL Privacy
PCI Security Standards

We don’t store your bank details when you buy our travel insurance. While your phone call with our team may be recorded, the recording will stop when you give your bank details.

If you choose to pay for your annual travel insurance monthly, your bank details will be stored safely by PCL to take your monthly payment. PCL’s privacy and security information can be found at:

• PCL Privacy
• PCI Security Standards

 

We can only accept credit or debit card payments.

We don't accept payments made by cheque, PayPal, AMEX, or business invoices.​​​​​​​

 

The easiest way to update your card details if by logging into your My Staysure account. But if you’d rather speak to someone, you can give our customer service team a call. 

 

A partial refund may be available, but this will depend on what your policy covers you for, and when you cancelled the policy. 

If you choose an Annual Multi-Trip policy you’ll have the option to pay in monthly instalments - just as long as your policy comes to £80 or more. Simply pay your initial deposit and split the remaining balance over 11 months.

Credit is not available for Single Trip policies, so you’ll need to pay for your policy by debit or credit card when you take your policy out.

Credit is provided by Premium Credit Limited (PCL).

• If you opt to pay for your travel insurance in installments through PCL, there’s a 19.9% interest added to your payments.

They are a financial institution that offers a convenient option for our customers to make payments through monthly installments. With a customer base of over 2 million and a rich experience spanning over 30 years, they have established themselves as a reliable provider in the finance industry.

Their expertise in the field ensures that our customers can have confidence in their services. By offering flexible payment options, they aim to make financial transactions more accessible and convenient for our customers.

You can contact Premium credit if you are paying via monthly installments by clicking HERE

To pay monthly for your travel insurance, you’ll need to be over 18 years old, and under 100 years old.

APR means Annual Percentage Rate.

It indicates the yearly interest you must pay on borrowed money.

For instance, if you borrow £100 at an APR of 24.9%, you will need to pay back a total of £124.90.

If you miss a payment, a default fee of £25 will be charged. 

APR stands for Annual Percentage Rate. APR is the amount of interest you’ll pay annually if you’ve borrowed money.  

An annual percentage rate of 24.9% will be applied to the total cost of your annual travel insurance policy with a fixed interest rate of 12.55%.