Travel Insurance

We can cover most pre-existing medical conditions – because something you live with day to day shouldn’t stop you seeing the world.

Medical emergencies abroad can be really expensive. Discover more in our guide to the top ten most expensive countries to be hospitalised in.
That’s why your pre-existing medical conditions need to be outlined on your medical cover, including common conditions such as high blood pressure, diabetes or cancer. If anything changes between taking out your policy and going on holiday, you must let us know. You can do this online by logging into your My Staysure account.

You should take out a policy as soon as you book your trip to make sure you’re covered for unforeseen events that might mean you have to cancel. You might be able to buy a single trip policy from us up to 24 months before you travel – depending on your age.

For Single Trip insurance, cancellation cover kicks in as soon as you take out your policy.

The excess is the amount of money you have agreed to pay should you make a claim. The excess amounts are shown in the policy wording. Discover more in our guide to travel insurance excess and waivers.

If your flight has been cancelled, don’t worry! First thing’s first, contact your airline or travel company and ask them to rearrange your flight or give you a refund. But if they can’t, you can try doing a chargeback with your credit card company if you used one to book the flight. And if that doesn’t work out, that’s when your travel insurance can help.

Just remember – once you’ve rearranged your flights, you’ll need to update your insurance policy with your new travel dates. If you’re a Staysure customer, you can do this by logging into My Staysure.

As long as the strike action was not common knowledge at the time of booking your trip, or taking out your policy, your travel insurance should cover you for strikes. You’ll be able to make a claim if you have to pay for emergency accommodation or travel expenses, or if your trip is delayed by more than 12 hours. Read more in our guide to Strikes: am I covered by my travel insurance?

The Global Health Insurance Card (GHIC) is the replacement for the European Health Insurance Card (EHIC). While a GHIC gives you access to emergency healthcare, travel insurance can help protect you from other costs, like rescue or repatriation. Read more in GHIC is the new EHIC: what you need to know. It’s a condition of our insurance that when you travel to Europe you take a GHIC (or, if it’s still valid, an EHIC) with you.

You should be covered in most destinations if the country you’re going to is safe to visit. To check if your destination is safe to visit, take a look at the FCDO’s travel advice. The FCDO’s (Foreign, Commonwealth & Development Office) advice can change at any time, so make sure you check it’s safe to travel before you set off. If the FCDO, World Health Organisation or local authorities have advised against ‘all’ or ‘all but essential’ travel to your destination, then it won’t be safe for you to travel there. If you travel against FCDO advice, your policy will become invalid and won’t cover you if you need 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.

To be covered for COVID on our policies, you need to have had all doses of the COVID vaccine you’ve been offered, including any booster jabs. You can also be covered if you can’t have the vaccine due to a medical exemption. If you’ve refused any doses of the COVID vaccine, you won’t be covered for COVID related claims. Find out more about our Travel Insurance with COVID cover.

We understand how important it is for your travel insurance to offer the right level of cover so you can travel with confidence. We cover most pre-existing conditions, but occasionally, we might not be able to help.

If that’s the case, we recommend checking out BIBA’s medical directory or calling them on 0370 950 1790. They can provide a full list of specialist medical travel insurance providers who might be able to help.

Off on a cruise holiday? Cruise Plus Cover protects you against things like not being able to dock at a scheduled port due to bad weather, and cabin confinement. It’s available on Comprehensive and Signature policies. Find out more about our different levels of Cruise cover.

If you’re going to be taking expensive tech away with you, like a laptop, smartwatch or smartphone, Gadget Cover can protect an unlimited number of your devices for up to £2,000. This cover includes protection against accidental loss or theft, damage from accidents or malicious intent, liquid damage, and unauthorised call, text or data usage. It’s available on Comprehensive policies as an add-on, but included on Signature policies as standard. Learn more about Gadget Cover.

This add-on can help if you have a medical emergency while taking part in winter sports activities. Available on Comprehensive and Signature policies, it can also help cover the costs should you lose or damage your own winter sports equipment as well as cover the costs of unused ski passes, piste closures and avalanches.

Winter sports cover is already included as standard when you choose a Comprehensive or Signature Annual policy and covers you for two trips, up to a total of 28 days. Find out more about Winter Sports cover.

If you need to make a claim, having an excess waiver means you won’t have to pay out from your own pocket. This can’t be added retrospectively and does not apply to Terrorism Cancellation, Car Hire Excess Waiver or Gadget cover. It’s available on Comprehensive policies as an add-on, but included on Signature policies as standard.

Golf insurance covers your golf equipment hire and non-refundable golfing fees. You’ll have hole-in-one cover too – meaning we’ll pay you £300 if you score a hole-in-one during your trip, as long as you’re a member of a recognised golf club affiliated to a national golfing union, you have your scorecard signed by your playing partner and you’re playing at a golf affiliated golf course too. It’s available on Comprehensive and Signature policies when playing non-professionally only.

Cover for cancelling or cutting your holiday short if the FCDO (Foreign, Commonwealth & Development Office) advises against all, or all but essential travel to your destination because of an unforeseen incident such as an earthquake, fire, flood or hurricane. Find out more about our Travel Disruption cover. It can be added to any policy.