Staysure Discount Codes July 2025

StaySure Travel Insurance: What’s Actually Covered?

Travel insurance is one of those things - you don’t think you need it until you really, really do. And if you have pre-existing conditions, finding a plan that won’t treat you like a liability can be tricky. That’s where StaySure comes in, or at least that’s the pitch. Designed for travellers who might need more than just the usual lost baggage and trip cancellation perks, StaySure markets itself as the go-to insurer for over-50s and those managing medical conditions abroad.

Fair enough. But does it hold up under scrutiny?

The Sales Pitch: Comprehensive Cover, Apparently

StaySure’s policies come with the usual promises: medical cover up to £10 million, cancellation protection, and emergency repatriation. For those with pre-existing conditions, there’s an emphasis on coverage for complications, including hospital stays if things go south. Given how costly medical emergencies can be abroad, that sounds reassuring.

Then there’s the COVID-19 angle. The insurance explicitly includes COVID-related disruptions - medical expenses, evacuation, and getting you back home should you test positive. Sounds practical, but with pandemic-related claims becoming a legal minefield in recent years, reading the fine print is advisable. Insurers, after all, have a knack for finding loopholes when the bills start stacking up.

Over-50s: A Target Market with Specific Needs

There’s a clear focus on older travellers here. The company positions itself as an insurance provider that won’t hike your premiums just because you’re past a certain birthday. Customisation is a selling point, allowing travellers to tweak their plans with add-ons like winter sports cover or gadget protection. Given how some insurers conveniently exclude key medical conditions from policies tailored to older customers, this flexibility might actually be useful.

What StaySure doesn’t advertise quite as loudly is how pricing compares to competitors. "StaySure is certainly targeting an underserved market," says insurance analyst Mark Taylor. "But like all policies, the real test is in the exclusions and the claims process. It’s rarely as smooth as the marketing suggests."

The "Cancel for Any Reason" Loophole

Cancellation coverage is another area StaySure touts. Standard policies will reimburse only the non-refundable portion of your trip cost, typically around 50%. If you want more freedom to cancel and recoup most of your money, you’ll need one of the elusive "Cancel for Any Reason" policies - though these tend to be riddled with conditions. Expect to provide evidence (think receipts, official cancellations) before your payout is even considered.

"Cancellation clauses often trip people up," warns travel insurance expert Fiona Jennings. "Always check the fine print, because some insurers require very specific circumstances before they’ll actually refund anything." Translation: "Cancel for Any Reason" doesn't always mean what you think it does.

Coupons, Because Discounts Make Everything Better

StaySure likes a good promo code. Right now, REST03, MR22, SPLASH20, and STA20 all offer 20% off (with MR22 bumping that up to 22%). There’s also CODE5, which - you guessed it - saves you 5%. SPLASH20 is valid until 31 December 2026, but the rest? No expiry dates listed, meaning they could disappear at any time. Maybe it’s clever marketing. Maybe it’s just oversight. Either way, if you’re going to take the plunge, might as well shave a bit off the cost.

The Verdict: Useful, but Not a One-Size-Fits-All Solution

StaySure seems to understand its audience - older travellers, especially those with pre-existing conditions, who just want reliable medical cover without jumping through hoops. On paper, it checks the right boxes: extensive medical coverage, flexible options, and clear COVID-19 support.

But, as with all insurance, the devil is in the details. What’s covered is one thing; how easy it is to make a successful claim is quite another. "It’s not just about buying a policy," Taylor says. "It’s about how well they handle claims when things go wrong. That’s what separates good insurers from those that simply look good."

So, is StaySure worth it? Possibly. Just be sure to read - really read - what you're signing up for. And maybe keep that EHIC card in your back pocket, just in case.

Past & Current Coupon Codes

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