Last updated: August 2026
Staysure reviews are worth taking seriously on scale alone: 546,344 ratings on Trustpilot, more than any other UK travel insurer by a wide margin. It sells travel insurance built for older travellers and people with a health condition to declare, with no upper age limit on its policies. This guide checks that review evidence, whether you’re genuinely protected if anything goes wrong, and the one quirk of the quote tool worth knowing before you buy.
| What you get | The detail |
|---|---|
| Specialism | Pre-existing medical conditions and older travellers |
| If it goes wrong | You’re protected |
| Trustpilot | 4.7/5 from 546,344 reviews |
| Getting a quote | Needs an email and phone number |
Staysure reviews: the short answer
Staysure’s review scores are strong on scale and consistent everywhere they’re published. Its main Trustpilot profile rates 4.7 out of 5 from 546,344 write-ups, the largest sample of any UK travel insurer, with 62,029 left in the last year alone. Reviews.io shows 4.6 out of 5 from 5,083 responses, and Smart Money People’s travel insurance page shows 4.63 out of 5 from 3,482. The lower-star ones on Smart Money People point to a real pattern: several mention slow handling once a claim reaches Davies Group, Staysure’s claims administrator, and one describes a disputed cancellation.
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Staysure’s core specialism is medical and pre-existing-condition cover. The company states it considers more than 1,300 individual conditions during screening, with a 97% acceptance rate among applicants who disclose, though that specific figure comes from Staysure itself rather than an independently audited source. Annual multi-trip policies for over-70s allow individual trips of up to 35 days, with a 183-day total annual limit, a wide allowance compared with insurers that cap annual cover at 31 days per trip once you pass 65 or 70.
“The 1,300-plus conditions Staysure screens for are why we point readers with something to declare here first. Don’t expect an instant price, though: you’ll need to hand over your phone number before the tool shows you one.”
Kate Acaster, Chief Editor, Flight Tribe
Is your money protected if Staysure goes bust?
Yes. Staysure sells the policy, but the actual risk sits with a UK-regulated insurer called Great Lakes Insurance UK Limited, the same company that underwrites Staysure’s sister brand, Avanti. Because Great Lakes is UK-regulated, your policy is covered by the Financial Services Compensation Scheme. In plain terms: if Great Lakes ever went under, you’d still get back 90% of a valid claim, with no upper limit.
Staysure’s policy tiers, compared
| Tier | Medical cover | Cancellation | Baggage | Excess |
|---|---|---|---|---|
| Basic | £5,000,000 | £500 | £300 | £129 |
| Mid tier | Unlimited | £5,000 | £2,500 | £99 |
| Signature | Unlimited | £10,000 | £5,000 | Nil |
Cover for COVID-19-related costs sits inside the standard cancellation, curtailment and emergency medical sections rather than being blanket-excluded, which is more generous than some rivals. Travel to a destination the FCDO advises against is excluded under the standard policy, though an optional Travel Disruption Extension covers cancellation triggered by a post-booking FCDO advisory. Winter sports cover is an optional add-on on every tier except Basic.
The one thing to know before you get a quote
Avanti and Goodtogoinsurance both let you get a full price without handing over any contact details. Staysure doesn’t. Its quote tool walks you through destination, traveller details and a full medical screening, then stops and asks for an email address and phone number before it will show a premium. That’s a deliberate difference from most of its rivals, not a technical fault, so budget extra time for a follow-up call if you’re the kind of shopper who likes to compare prices anonymously first.
Is Staysure the same company as Avanti?
Yes, and it’s worth knowing before you compare the two as if they were independent options. Avanti was founded separately in Essex in 2009, then bought by the Staysure Group in 2017. Both brands are owned by the same group and underwritten by the same insurer, Great Lakes Insurance UK Limited.
They aren’t identical products with different names stuck on them, though. Avanti carries a cruise-cover specialism, with extras like cabin confinement that the standard policy doesn’t offer. Its sister brand carries the wider name recognition and the larger review base instead. Choosing between them comes down to whether cruise extras matter for your trip, not which one is “better”.
Should you buy Staysure travel insurance?
Staysure earns its position as the default choice for anyone over 50 or with a health condition to declare, on the strength of its review base and the breadth of its medical screening. You’re genuinely covered if the worst happens, too, thanks to the FSCS safety net sitting behind the policy. The one real friction point is the quote tool itself: budget for a follow-up phone call rather than expecting an instant, anonymous price. To check current cover and get a quote, visit Staysure directly.
Frequently asked questions
Is Staysure travel insurance any good?
Yes, on the strength of its review evidence. Staysure rates 4.7 out of 5 from 546,344 Trustpilot reviews, 4.6 from 5,083 on Reviews.io, and 4.63 from 3,482 on Smart Money People’s travel insurance page.
Does Staysure cover pre-existing medical conditions?
Yes, this is Staysure’s core specialism. It states it screens for more than 1,300 individual conditions, with a 97% acceptance rate among applicants who disclose them.
Is Staysure the same company as Avanti?
They’re part of the same group and share an underwriter, Great Lakes Insurance UK Limited. Avanti was founded separately in 2009 and acquired by Staysure Group in 2017, and now specialises in cruise cover rather than duplicating Staysure’s offer.
Can I get a Staysure quote without giving my phone number?
No. Staysure’s online tool requires an email address and phone number before it will show a premium, unlike Avanti and Goodtogoinsurance, which both quote anonymously.
What does Staysure’s FSCS protection actually cover?
If Staysure’s insurer ever went under, the FSCS would pay out 90% of a valid claim, with no upper limit. It’s 90% rather than 100% because travel insurance isn’t one of the compulsory classes of cover the scheme protects in full.
Is there an age limit for Staysure travel insurance?
No upper age limit applies. Annual multi-trip policies for over-70s allow individual trips of up to 35 days, with a 183-day total annual limit.
Does Staysure cover cruises?
Staysure’s standard policy doesn’t include cruise-specific extras such as cabin confinement or missed-port cover. For a cruise-focused policy from the same group, Avanti carries that specialism instead.
More on travel insurance and your trip
For the cruise-specific alternative from the same group, see our Avanti reviews. Deciding whether to buy an airline’s own bundled cover instead? See our guides on whether Ryanair’s travel insurance, easyJet’s travel insurance, TUI’s travel insurance or Virgin Atlantic’s travel insurance is worth it. For the wider picture on package holidays, including what protection you get if a company collapses, see our guide to package holidays.
Kate Acaster is Chief Editor at Flight Tribe. She writes about practical travel planning, budget airlines, baggage rules, city breaks, beach holidays and good hotels that do not cost daft money.
Kate has travelled through Europe, South America and beyond, usually with a notebook, a half-formed plan and a strong opinion on airport snacks. At Flight Tribe, her work focuses on helping UK travellers understand what is included, what costs extra, and whether a trip is worth booking at the price shown.
How Kate works
Kate checks the details that can change the value of a trip, including cabin-bag rules, airline fees, hotel location, seasonality, travel dates and booking conditions. She is especially interested in offers that look useful on the surface but need a proper reader-first check before they are worth recommending.
Editorial standards
Flight Tribe covers deals and travel advice for readers first. Affiliate links do not decide whether an offer is worth writing about.
