1. Understand Your Travel Needs
Before diving into the specifics of travel insurance policies, take a moment to assess your travel needs. Are you planning a one-off beach holiday, a city break, or multiple trips throughout the year? Do you have any pre-existing medical conditions? Are you traveling within the UK, Europe, or further afield? These factors significantly influence the type of coverage you’ll need. For example, Staysure offers both single-trip and annual multi-trip insurance policies, allowing flexibility depending on your travel frequency. Their medical travel insurance is especially tailored to older travelers or those with health concerns, offering peace of mind during your journey. It’s essential to match the policy to your itinerary, so you’re covered in all the right ways—without paying for extras you don’t need. Knowing your travel profile helps you navigate options more clearly and avoid underinsurance or unnecessary costs.
2. Compare Policy Types and Coverage Options
Staysure offers a variety of policy types, each with different levels of coverage. You can choose between Basic, Comprehensive, and optional extras like cruise cover or winter sports insurance. Comprehensive policies typically include higher levels of protection for medical emergencies, cancellations, lost luggage, and personal liability. It’s worth taking the time to compare what’s included in each tier. For instance, if you’re traveling with expensive electronics, make sure your belongings are sufficiently insured. If you’re cruising, standard policies may not include missed port departures or cabin confinement, which cruise cover addresses. Keep an eye on excess fees and claim limits as well—these can vary significantly. Staysure’s clear online comparison tools make it easy to understand what you’re getting. Don’t just default to the cheapest policy—think about value, reliability, and coverage depth.
3. Disclose Medical Conditions Honestly
One of the standout features of Staysure is their specialist focus on travel insurance for people with pre-existing medical conditions. However, it’s crucial to disclose all health issues honestly and thoroughly when applying. Failing to do so can invalidate your policy if you need to make a claim later. Staysure offers a quick and confidential medical screening process that helps tailor your policy to your unique needs. This includes conditions like high blood pressure, diabetes, heart problems, and more. Being upfront allows you to receive comprehensive cover, ensuring that if something does go wrong while you’re abroad, you’re protected. Don’t worry—this doesn’t necessarily mean your premium will skyrocket. Staysure is known for offering fair prices even when covering complex medical histories. Accuracy and transparency here could make all the difference in an emergency situation.
4. Consider Optional Extras for Full Protection
While base-level travel insurance might cover standard mishaps, optional extras from Staysure provide additional peace of mind. These add-ons include things like gadget cover, COVID-19 protection, travel disruption extension, and even cover for natural disasters. If you’re traveling with high-value tech or planning a trip during hurricane season, these extras could be worthwhile. Cruise lovers will benefit from specific coverage for itinerary changes, missed ports, or illness onboard. Winter sports enthusiasts can also upgrade to cover ski equipment and piste closures. Don’t forget to factor in the cost of cancellation—some upgrades provide a higher refund amount if your plans change unexpectedly. Taking time to customise your policy ensures it suits your travel style and risk level. Think of it like tailoring a suit—it should fit your journey perfectly, not someone else’s.
