Policy wording help

We offer a 14-day cooling-off period for our policies. During this time, you can review your travel insurance policy and decide if it meets your needs. If you decide to cancel within the 14 days, we will refund your purchase in full.

 

If you have an annual policy, you may be covered for any planned holidays that fall outside the cover period.

Although the trip is outside the period of cover, if the event/incident occurs during the current period of insurance, you can still submit a claim for consideration

However, this is applicable only if your annual policy includes the destinations you are traveling to and also includes cruise cover if you are going on a cruise.

 

On an annual policy, you will have cover until your policy expiration date. To ensure you continue to be covered, it is recommended that you opt-in for auto-renewal through your MyStaysure account.

• For further information about how to opt-in for auto-renewal, Click Here

If your policy expires before your trip and you do not have any other travel insurance, you will not be covered.

 

Our insurance is for leisure purposes only, we cannot cover any type of work trip (paid or unpaid)

 

Yes, if you require an airlift from a cruise ship, you are covered for this service. However, it is important to note that prior authorization from us is necessary. If you need to be airlifted, please get in touch with our emergency team.

If you are transported by air without obtaining prior authorization from us, you may not be eligible for cover.

 

We pay up to the amount shown in the table of benefits, for the level of cover shown on your validation certificate if the intended departure of your first outward or final inward international flight, sea crossing or coach or train journey forms part of a booked trip, is delayed as a direct result of strike or industrial action, adverse weather conditions, failure of air traffic control systems, or mechanical breakdown of aircraft, sea vessel, coach or train.

Alternatively, you can choose to abandon your trip and submit a Cancellation claim under Section 1,
should you experience a delay as specified above, of more than 12 hours beyond the intended
departure time.

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. 

 

If you do not obtain a visa in time for your trip, we will not provide cover. 

The section titled "What is not covered for cancellation," specifies the situations or circumstances that are not included or protected under the cancellation policy, This includes the below:

"any claim resulting from your inability to travel, or continue travelling due to an insured person’s failure to hold, obtain or produce a valid passport or any required visa in time for the booked trip;"

 

Our long-stay policies are ideal for backpackers!

Just let us know your departure and return dates, and we'll take care of adding long-stay coverage to your Single Trip Travel Insurance policy. It's perfect for your global adventures, whether you're backpacking through Europe, interrailing during a gap year, or enjoying an extended stay in one country.

The duration of coverage depends on your age and your travel destination, but we've got you covered for a wide range of timeframes.

Find your age below to see how long you can travel with our long-stay travel insurance:

I’m 65 or under

• You can travel for up to 18 months (550 days) worldwide with our long-stay policy.

I’m 66 to 70

• For European destinations, you can travel up to a whole year (366 days).

If you’re travelling to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean and the United States of America then you can travel up to 6 months (184 days).

If you’re travelling anywhere else, you can travel up to 9 months (276 days).

I’m 71 to 75

• For European destinations, you can travel up to a whole year (366 days).
• If you’re travelling to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean and the United States of America then you can travel up to 4 months (123 days).
• If you’re travelling elsewhere, you can travel for up to 6 months (184 days).

I’m over 75

• If you’re over 75, then you can travel the globe for up to 3 months (104 days) with our standard Single Trip policy.

 

Yes, you can buy an Annual Multi-Trip policy for travelling within the UK only.

Trips solely within the UK are only insured if you have pre-booked at least two consecutive nights’ paid accommodation.

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

 

Yes, 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.

 

Yes. We can insure a baby or infant.

 

Our travel insurance operates on the basis that all travellers are healthy, fit to travel and able to undertake the trip.

The Insurance will not provide cover if any traveller:

• is travelling against medical advice; or
• has the intention of obtaining medical treatment or consultation abroad.

This means that if your trip is to travel abroad for ANY medical treatment including, but not limited to, dental treatment, cosmetic surgery or hair transplants then you would NOT be covered by our Insurance.

 

There is no requirement for travel insurance and passport details to match. In the event of a claim we will need to establish that the person making the claim is the person insured with us, but the passport is not essential to that process.​​​​​​

 

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.

 

Under Section 4A Missed Departure, if a customer arrives at the airport, port or international coach or rail terminal too late to commence the first part of their pre-booked international trip*, we will cover for any necessary additional travelling and accommodation expenses incurred to reach the overseas destination or to return to their home country by the most direct route.

If necessary, we will make arrangements for overnight hotel accommodation and alternative international travel.

 

*As a result of

a) breakdown of or accident directly involving the vehicle in which you are travelling; or

b) cancellation or curtailment of scheduled public transport due to adverse weather conditions, strike, or industrial action, or mechanical breakdown, or accident.

 

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.

 

We will pay up to £300 for Basic cover or £500 for Comprehensive and Signature cover for additional travel and accommodation expenses you incur abroad to obtain a replacement if your passport is lost, or stolen outside the United Kingdom, Channel Islands or the Isle of Man during your trip.

 

Even though the UK is no longer a member of the EU, it is still a part of Europe. If you require additional details regarding policies for multiple trips, Click here!​​​​​​​

 

You will be covered for any delays within the UK under Home Country Cover.

Please note: This applies to travel within the UK*, Jersey, Isle of Man. 

For home country cover to apply, travelers must have at least 2 nights of consecutive pre-booked accommodation. 

*The UK is defined as England, Scotland, Wales and Northern Ireland.

 

We will pay you up to:

• £500 for Basic cover
• £1,500 for Comprehensive and Signature cover

For reasonable additional travelling and accommodation expenses necessarily incurred to reach your overseas destination or to return to your home country by the most direct route. If you arrive at the airport, port or international coach or rail terminal too late to commence the first part of your pre-booked international trip, as a result of:

• Breakdown of or accident directly involving the vehicle in which you are travelling; or
• Cancellation or curtailment of scheduled public transport due to adverse weather conditions, strike, or industrial action, or mechanical breakdown, or accident.

We will provide assistance by liaising with the carrier and/or tour operator to advise of your late arrival. If necessary, we will make arrangements for overnight hotel accommodation and alternative international travel.

 

We will pay you up to:

• £500 for Basic cover
• £1,500 for Comprehensive and Signature cover

For reasonable additional travelling and accommodation expenses necessarily incurred to reach your overseas destination or to return to your home country by the most direct route. If you arrive at the airport, port or international coach or rail terminal too late to commence the first part of your pre-booked international trip, as a result of:

• Breakdown of or accident directly involving the vehicle in which you are travelling; or
• Cancellation or curtailment of scheduled public transport due to adverse weather conditions, strike, or industrial action, or mechanical breakdown, or accident.

We will provide assistance by liaising with the carrier and/or tour operator to advise of your late arrival. If necessary, we will make arrangements for overnight hotel accommodation and alternative international travel.

 

We offer two types of insurance policies to suit you and your family’s travel plans:

Single Trip Travel Insurance: If you’re going on a stand-alone trip, then our Single Trip cover may be ideal for you. Once your holiday is over, your cover will stop too. For single trips, you can stay for up to 104 days at a time, with no upper age limit.

Annual Travel Insurance is great if you’re planning on going on more than one holiday a year. Annual Multi-Trip Travel Insurance policies cover your travel plans for up to 183 days in total. There is no upper age limit on our Annual Multi-Trip policies.

Your individual trip limits are:

• 50 days per trip for travellers up to and including 70 years old.
• 35 days per trip if your 71 years old or over.
• Neither can exceed 183 days in total per year

All our policies can be tailored to suit your unique travel plans to make sure you’re covered properly.

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.

 

You should be covered to visit most destinations across the globe, as long as the country you’ve chosen is safe to visit.

To check your destination is safe to visit, take a look at the FCDO’s travel advice. The FCDO’s advice may change, so make sure you check it’s safe to travel before you set off as well as while you are away.

If the FCDO, World Health Organisation or local authorities have advised against all or all but essential travel to your destination, it wouldn’t be safe for you to travel.

If you travel against the FCDO’s advice, your policy would become invalid and wouldn’t cover you if you needed to claim. Even if advice changes while you’re on holiday, you won’t be covered if your destination was listed as unsafe when you travelled.

 

 

Tickets that are purchased using Air Miles or other reward programs are not eligible for cover.

This means that if you use your accumulated Air Miles or reward points to pay for your ticket, you will not be able to claim any issues or problems that may arise during your travel.

It's important to keep this in mind when using these types of payment methods for your flight tickets.

Yes, your glasses are included in your cover. This information can be found in the personal baggage section of your policy as shown below:

"We will only pay up to £150 in total for sunglasses or prescription glasses of any kind"

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. 

Yes, in the event you or an insured traveller dies abroad, this travel insurance policy will cover you as stated within the policy wording document.

"We will pay up to the amount shown on the table of benefits for each insured person who suffers sudden and unforeseen bodily injury, or illness, or who dies during a trip outside your home country for the following"

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. 

If you have had personal money stolen (Including Cash, travellers’ and other cheques, travel tickets, event and entertainment tickets, and your personal credit/debit or charge cards) then we will pay you up to the amount shown below for lost, stolen, damaged or destroyed:

• Basic cover costs £300.
• Comprehensive and Signature cover costs £500.
• Cash limit for individuals aged 18 and over: Basic cover £250, Comprehensive and Signature cover £500.
• Cash limit for individuals under 18: Basic and Comprehensive cover £150, Signature cover £200.

Our insurance policies do not provide cover for trip cancellations caused by a war outbreak, unless you have bought a Signature Policy or our Travel Disruption Extension cover.

 

This means that if a war breaks out in your destination country and you need to cancel your trip as a result, you will not be eligible for reimbursement or compensation under our policies. It is important to carefully review the terms and conditions of your insurance policy to understand what situations are covered and what is not.

We may be able to amend your policy if you rebook your trip.

If you rebook a holiday, we can:

• Change your travel dates on your single-trip travel insurance policy. Everyone can move their holiday dates at least 18 months from the date they bought their policy. There may be an additional charge if there are any significant changes, such as changing your destination.
• Also change your holiday destination to any other country that is safe to travel to, as long as there is no increase in cost. If there is an increased premium, you’d need to pay the price difference to change your cover.

If you need to make any modifications or adjustments to your Single Trip Travel Insurance policy, it is important to do so before your original travel date. 

You have the option to make changes to your policy online by using MyStaysure. By accessing MyStaysure you can avoid any administration charges that may apply if you were to call and make amendments over the phone. MyStaysure provides a convenient and cost-effective way to update your policy without incurring any additional fees.

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!

Yes, you can be covered for claims made from the Channel Islands including Jersey and Guernsey) 

• Emergency medical treatment would be provided by the NHS.

Our insurance policies are designed for leisure purposes only.

This means that we are unable to provide cover if you will be studying abroad during your trip.

We recommend looking into specialized insurance options that cater specifically to students studying abroad to ensure you have the necessary cover during your educational journey.

Our polices do not cover for cancellation or cutting short your trip for any claim resulting from your inability to travel, or continue travelling due to an insured person’s failure to hold, obtain or produce a
valid passport or any required visa in time for the booked trip.

You don't have to worry about letting us know every time you go on a trip if you have an annual multi-trip policy! As long as you stay within your trip limits and your destination is covered within your policy region, you're good to go! So go ahead and explore the world without any extra hassle!

Remember to always review your validation certificate and policy wording before traveling to prevent any issues during your trip.

• Having electronic copies of your documents is fine; There's no need for Physical copies.

Our policies do cover for cancellation of your trip if the Foreign, Commonwealth and Development Office issue a directive advising against all, or all but essential travel to your trip destination because of an earthquake, fire, flood, or hurricane.

Terms & Conditions apply. Please see section 1 of your Policy Wording for more details.

Are you ready to make a claim? You can submit a claim by using our online claims form​​​​​​​

Yes, our policies do cover mobile phones.

We will only pay up to £100 for mobile telephones under section 6 (Personal Baggage) of the Policy Wording.

We also offer an additional cover option known as Gadget Cover. This feature provides extended coverage for your mobile phone and is included in our Signature policies at no extra cost. With Gadget Cover, you can have peace of mind knowing that your mobile phone is protected against various risks and damages.

Our Gadget Cover has got you covered. You can find more information about Gadget Cover and its benefits by visiting our Gadget Cover page.

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.

Our policies cover you for earthquakes, fires, floods and hurricanes in certain aspects of the policy.

You can chose to extend this to include explosions, tsunamis, landslides, avalanches, volcanic eruptions, snow and storms by opting to include the Travel Disruption Extension to qualifying policies.

 

For full details please see our policy wording by clicking the link below:

Policy wording

All you have to do is tell us when you’re leaving and when you’re coming back and we’ll automatically add on your long stay cover to your Single Trip Travel Insurance policy. Ideal if you’re travelling the world, whether you’re backpacking across Europe, interrailing during a gap year, or spending a few months in one country.

The amount of time we can cover you for varies depending on how old you are and where you’re travelling to.

Find your age below to see how long you can travel with our long stay travel insurance:

I’m 65 or under

• You can travel for up to 18 months (550 days) worldwide with our long stay policy.

I’m 66 to 70

• For European destinations, you can travel up to a whole year (366 days).

If you’re travelling to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean and the United States of America then you can travel up to 6 months (184 days).

If you’re travelling anywhere else, you can travel up to 9 months (276 days).

I’m 71 to 75

• For European destinations, you can travel up to a whole year (366 days).
• If you’re travelling to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean and the United States of America then you can travel up to 4 months (123 days).
• If you’re travelling elsewhere, you can travel up to 6 months (184 days).

I’m over 75

• If you’re over 75, then you can travel the globe for up to 3 months (104 days) with our standard Single Trip policy.

 

We will pay up to an overall maximum of £300 for Basic cover, £2,500 for Comprehensive cover, or £5,000 for Signature cover, if your personal baggage is damaged, stolen, destroyed, or lost (and not recovered) during the course of a trip.

Personal baggage: Baggage, clothing, personal effects (excluding golf equipment, winter sports equipment, ski pass, and valuables) and other articles which belong to you (or for which you are legally responsible) that are worn, used or carried by you during a trip, excluding any vehicle, caravan or trailer.

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.

 

If you live in Northern Ireland and travel by car to Dublin airport to get the 1st flight of your journey, you do not have to enter ‘Ireland’ onto your destination list.

For example: If you live in Belfast, and then fly from Dublin, going to Spain – You would only need to put ‘Spain’ on your destination list, not Ireland.

 

Questions you may have…

• Does this include if the customer is going to Dublin to catch a ferry? – No this is only applicable to Dublin airport (As long as it was going on to an overseas (non-UK) destination.
• Does this include if the customer is going to Dublin for a holiday? – No
• Does this apply to any other airports in Ireland? – No, this is for Dublin Airport only
• Does this apply if you live in Dublin and travel to Northern Ireland? – No, this is Northern Ireland to Dublin ONLY

 

 

This section of cover is only included in Comprehensive and Signature Cover policies.

Cover may also be provided in Basic Cover policies subject to payment of the required additional premium, as shown on the Validation Certificate.

No cover is provided for trips taken solely within the United Kingdom, Channel Islands or the Isle of Man.

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.

There is no requirement for travel insurance and passport details to match. In the event of a claim we will need to establish that the person making the claim is the person insured with us, but the passport is not essential to that process.

 

There is no reciprocal healthcare agreement between the UK and Guernsey, which means any emergency medical treatment would need to be paid for by you.

If you’re travelling to Guernsey our holiday travel insurance covers you for medical expenses up to an unlimited amount, depending on the policy you choose.

 

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

Your Staysure policy could cover you for:

Cancellation or cutting your trip short
Travel insurance should cover you if you are forced to cancel or cut your trip short, also known as curtailing.

Pre-existing medical conditions
If you live with any medical conditions, you should look for a policy that can cover them. You’ll need to tell your insurer about all of the medical conditions you live with. You may not be covered if you forget to include any conditions that affect you.

Medical expenses
When you’re outside the UK, you may need to pay for emergency medical bills if you’re injured or fall ill on holiday. Our travel insurance policy is there to help cover the unexpected cost of your medical bills if you need them.

Repatriation (when you fall ill or get injured abroad)
If you fall ill or are injured when you’re abroad, sometimes you might need to be sent home (repatriated). If needed, private jets might be used along with a crew of health professionals to escort you to a UK hospital for further treatment. Repatriation can also cover the costs of getting you and others on your policy back home if you’ve been treated abroad and missed your booked flights home.

Baggage and personal items
If your baggage or personal items are lost, damaged, or stolen, your travel insurance should be able to help cover the costs to replace or repair them up to your cover limits.

Missed departure
If you miss your flight or port departure due to reasons out of your control, your travel insurance should be able to cover the costs for additional arrangements (including travel and accommodation) to get you to your destination.

Sports and activities
If you’re looking to take part in sports and activities when abroad, you’ll need to check that your travel insurance policy covers you. Sports and activities will differ between insurers, so it’s best to shop around

COVID-19
Cover for COVID should include medical expenses, cancellations, cutting your trip short, and any extras if you need to self-isolate abroad.

You also have the choice of adding extra cover to your policy for the following:

Gadget cover, Cruise Cover, Winter Sports Cover, Golf Cover and more.

Find out more about what travel insurance covers in our blog post. Full policy details can be found in our policy wording.

 

There are a number of differences between basic, comprehensive and signature policies such as increased cancellation and baggage cover and the excess amount.

You can view all the differences in our Table of Benefits in our policy documents.

If you wish to see further detail in differences between our policies then you'll need to check the relevant policy wording.

 

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 90 days before the start date you choose. 

Before buying travel insurance, we recommend keeping up to date with the latest government travel advice.

 

 

Our insurance policies do not provide cover for any claims related to pushchairs, prams, or buggies.

This means that if any damage or loss occurs to these items, we will not be able to reimburse you for the costs associated with repairing or replacing them.

Every adult customer who has an annual Policy is allowed to travel on their own.

Important information for minors: The insurance cover will only be valid if the minor is accompanied by an adult throughout their entire trip, including the journey to and from the UK.

 

Our annual multi-trip policy protects you for 12 months of travel, up to a total of 183 days.

So, no matter how many trips you’ve got booked we’ll cover you just as long as you’re away for no more than 50 days at a time (or 35 days if you’re 71 or over).

If you’re 70 and under, you can also extend your 50-day limit to up to 100 days for one trip with our optional 100-Day Upgrade add-on.

You don't need to tell us about each trip you are taking, so long as you do not travel beyond your agreed trip limits.

You can start your policy straight away, or choose a start date up to 90 days in advance.

Our Annual Multi-Trip Travel Insurance policies cover:

• All ages, with no upper age limit
• Pre-existing medical conditions, with up to unlimited medical expenses
• Cancellations and cutting your holiday short
• Europe to Worldwide travel insurance – you choose the region you’re travelling to rather than specific locations
• Winter sports cover included with Comprehensive(21 days) & Signature policies(28 days)
• Medical emergencies – 24-hour worldwide support
• Cruises for an additional fee

Wondering how many people you can have on a policy? Take a look at our 'How many people can I have on one policy?' article.

 

Whether you can get a refund for the months you haven’t used will depend on what non-refundable your policy may have, and when the policy is cancelled.
 

If you ask us to cancel your policy in writing or by telephone, such cancellation shall take effect
on the date the notice is received or on the date specified in the notice, whichever is later.

You have the right to cancel your policy within 14 days of the date of issue or receipt of your
documents, whichever is later. We will only refund to you any premium you have paid, less any fees
and charges if you have not travelled, or have made, or intend to make a claim.

If the notice of cancellation is received outside the 14-day cooling-off period no premium will be
refunded, however, discretion may be exercised in exceptional circumstances such as bereavement or a change to the policy resulting in us declining to cover your medical conditions.

If you would prefer you can contact our customer services team

 

Before you buy a policy, you’ll be asked about the countries you’re planning to visit. You can choose from five levels of cover:

1. UK only: England, Scotland, Wales, Northern Ireland, Channel Islands and Isle of Man
2. Europe: All countries listed in “UK Only” plus Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, the Czech Republic, Denmark, Estonia, the Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal (including Azores and Madeira), Republic of Ireland, Romania, the Russian Federation, San Marino, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Ukraine and the Vatican City. (Excluding: Cyprus, Egypt, Greece (including the Greek Islands), Malta, Morocco, Spain (including the Balearic Islands and the Canary Islands), Turkey and Tunisia
3. Europe: Including Cyprus, Egypt, Greece (including the Greek Islands), Malta, Morocco, Spain (including the Balearic Islands and the Canary Islands), Turkey and Tunisia – All countries listed in “Europe Excluding” plus Cyprus, Egypt, Greece (including the Greek Islands), Malta, Morocco, Spain (including the Balearic Islands and the Canary Islands), Turkey and Tunisia.
4. Worldwide: Excluding Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean, and the United States of America.
5. Worldwide: All countries

You will only be covered to travel if the FCDO says it’s safe to travel to your destination(s).

When it comes to cruise travel insurance, you must ensure all the countries/destinations you’re calling to are listed on your policy.

Is the destination not listed? Contact our friendly customer services team or speak with us via webchat for further assistance.

 

 

Yes, 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.

Please note: Cover would only apply if the minor is under adult supervision at all times during their trip. (This also includes to and from the point of leaving the UK)

Not answered your question? Take a look at our help center for what you need to know before buying a policy. 

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.

If you have several trips planned in the space of a year, you may find that an annual policy offers you better value for money compared to buying multiple individual policies.

 

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

If you haven't travelled, Then you can make this amendment online by accessing your MyStaysure Account.

If you have travelled please contact our customer services team in this situation as every case is handled on a case by case basis and it is not guaranteed once travelled. This is due to the different possibilities and risks involved regarding why an extension is needed.

No, it is not necessary to inform us every time you go on a trip with an AMT policy. The only instance where you might need to notify us is if you require an upgrade in your level of cover for that particular trip.

Always make sure to check your destination is included in the cover.

Find out more information by clicking HERE. By doing so, you will be able to determine whether or not your destination is within the covered area.

It is important to check this information beforehand to avoid any inconvenience or surprises during your travel.

If your destination is not included in the policy region options, there is no need to worry. You have the option to upgrade your policy region. This means that you can choose a different region that covers your desired destination. To find out more about how to upgrade your policy region, please click HERE​​​​​​​

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.

Annual Multi-Trip Travel Insurance policies can cover all trips in a year, as long as the total time on all 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.

Cover may be extended up to a maximum duration of 550 days with our Long Stay policies.

Even if you have a group or family policy, travel insurance limits and excess are on a per person, per claim basis.

This includes medical cover, cancellation cover and baggage cover per person, as well excess costs which can be avoided with our Excess Waiver optional extra (Unless you have purchased a signature policy in which no excess will apply)

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. 

 

When travelling within the United Kingdom, Channel Islands and the Isle of Man:
Where you are travelling solely within the United Kingdom, Channel Islands or the Isle of Man during your trip of 2 or more consecutive nights in pre-booked accommodation we will pay up to £10,000.

Please note: No cover is provided under personal liability for trips taken solely within the United Kingdom, Channel Islands or the Isle of Man.

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.