staysure.co.uk Features

Staysure.co.uk offers a robust set of features designed to make travel insurance accessible, comprehensive, and tailored to a wide range of travellers’ needs. These features position them as a strong contender in the market, focusing on flexibility, extensive coverage, and user convenience.

Diverse Travel Insurance Products

Staysure provides a variety of travel insurance products to cater to different travel patterns and durations:

• Single Trip Travel Insurance: Ideal for those planning a single holiday, offering coverage for the duration of that specific trip. This is highlighted as having “no upper age limit.”
• Annual Travel Insurance (Multi-trip cover): Designed for frequent travellers, providing year-round peace of mind. The data suggests “1 in 3 people choose an annual policy,” indicating its popularity. This option also allows for “spreading the cost if your policy is £80 or over.”
• Medical Travel Insurance: A cornerstone of Staysure’s offering, specifically aimed at covering individuals with pre-existing medical conditions. They proudly state, “We can cover 97% of people, even if you have medical conditions.” This is crucial, given the potential for huge treatment costs abroad.
• Specialised Coverages: To meet diverse needs, they offer specific policies for:
  • Coronavirus Travel Insurance
  • Worldwide Travel Insurance
  • Europe Travel Insurance
  • UK Travel Insurance
  • Long Stay Travel Insurance
  • Cruise Travel Insurance
  • Winter Sports Travel Insurance
  • Over 50s Travel Insurance (though their general medical coverage would also apply here).

Flexible Cover Levels

Staysure provides three distinct levels of cover to suit different budgets and protection requirements:

• Basic: Offers fundamental coverage, including up to £5 million for medical emergency & repatriation, £500 for cancellation, £300 for baggage, and a £129 excess. This is the entry-level option for essential protection.
• Comprehensive: A mid-tier option providing enhanced coverage, such as unlimited medical emergency & repatriation, £5k for cancellation, £2.5k for baggage, and a £99 excess. It allows for “optional extras like cruise cover and winter sports cover.”
• Signature: The highest tier, offering the most extensive protection, including unlimited medical emergency & repatriation, £10k for cancellation, £5k for baggage, and a significant “zero excess included.” This level also boasts “helpful extras like gadget cover.”

These tiered options allow customers to tailor their policy to their specific needs, ensuring they don’t pay for unnecessary features while still getting adequate protection.

Comprehensive Coverage Elements

Beyond the standard medical and cancellation, Staysure’s policies include several critical components:

• Emergency Medical Expenses: Unlimited cover for Comprehensive and Signature policies, and up to £5 million for Basic, addressing a major concern for international travellers.
• Trip Cancellation Cover: Up to £10k for Signature policies, enabling rebooking if needed. Staysure also emphasises that “Cancellation cover starts immediately when you buy your cover,” aligning with expert advice to “buy as soon as you book your trip!”
• Natural Disasters: If the Foreign Office advises against travel due to events like earthquakes or wildfires, customers can “cancel your holiday without worry.”
• Flight Delays: Assistance is provided if “you’ve waited more than 12 hours,” helping to ensure travellers “are not out of pocket.”
• Lost or Delayed Baggage: Covers “up to £500 towards the essentials” if luggage doesn’t arrive.
• Cutting Your Holiday Short: Covers expenses up to £10k for Signature and £5k for Comprehensive.
• Money & Passport: Protection up to £500 across all tiers for lost money and passports.

Customer Management Tools and Support

Staysure prioritises user convenience through various channels: staysure.co.uk Travel Insurance Reviews

• My Staysure Portal: An online account portal where customers can “View your policy, make changes and renew online,” and crucially, “make changes without additional charge.” This encourages self-service and saves customers the £15 phone admin fee.
• Claims Process: A dedicated “Make a claim” section, allowing users to “Start a new claim or manage an existing claim.” The homepage data shows their efficiency, having paid “over £128 million on more than 68,000 claims” in the last 18 months.
• Multi-channel Customer Service: Offers telephone support for Sales and Customer Service, with clearly stated opening hours. A “Chat Now” feature provides a “quicker response.”
• Help Centre: A dedicated “Ask a question” link leads to an online help centre (help.staysure.co.uk) for self-resolution of queries.

Payment Options and Ethical Consideration

Staysure offers the ability to spread the cost of annual policies, particularly those valued at £80 or more. This is facilitated by “Premium Credit Ltd (PLC),” an external credit provider. While this feature provides financial flexibility for many, it involves interest, as detailed by the “Annual Percentage Rate of 19.9%” and a “fixed interest rate of 10.2%.” This inclusion of interest makes the financial structure problematic for those who adhere to ethical financial principles, as it falls under the category of Riba. Consequently, while the feature is operationally convenient, it poses an ethical dilemma for a significant segment of the population.