Staysure Cruise Travel Insurance
Staysure’s cruise travel insurance policy covers both international and domestic cruises for medical treatment and repatriation, cancellation and curtailment and lost baggage and possession claims. With comprehensive cover, you will also receive legal and personal liability cover. If you want additional cruise cover for missed port departures and cabin confinement you would need to add the ‘Cruise Plus’ add-on to your cruise insurance policy which comes at an additional cost.
What Type Of Travel Insurance Do I Need
The type of travel insurance you need will depend on the trip youre taking. If youre heading on a family holiday, then our Single Trip cover may be best. But if youre heading away more than once this year, Annual cover will be more appropriate. If youre on a gap year, taking a career break or just exploring the world, try our Backpacker cover.
It’s worth noting that if you’re planning on taking a golf or cruise holiday, while we’ll still be able to cover you under the standard sections of our Travel Insurance policy, from 5th May 2020 we will not be able to offer the additional cover previously provided by the Golf and the Cruise optional extra sections. We will also be unable to provide cover while you take part in more risky sports and leisure activities such as kite surfing or rugby.
This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer these additional covers again. Policies purchased before 24th November 2021 aren’t affected and your cover won’t change.
Winter And Extreme Sports Cover
If you are planning an action-packed holiday, make sure the activities you want to try are covered. If they are not, you might not be able to claim if you suffer an injury while taking part.
This type of insurance is also known as:
Gap year travel insurance
Long stay travel insurance
This is a specialist type of travel insurance that can offer cover for trips of up to 18 months, which is much longer than single trip or annual policies.
You can also get cover for several countries under the same policy so you will not have to update your policy or get new cover during your trip.
What The Insurers Are Saying
The Sun has contacted all the major insurers to find out whether they plan to cover travel to amber-list countries.
We will keep updating this section with individual insurer responses when we hear back.
If you’re insured with Aviva, you’ll be covered as long as there is no FCDO advice against traveling to that destination at the time of travel.
Aviva Travel Insurance will not cover customers who decide to travel against FCDO advice unless their travel is essential and legally permitted.
The essential travel exclusion applies to all new policies but will not apply to existing policies unless renewed on or after 17/01/2021).”
A spokesperson said: “Before making a claim or if a travel provider has changed the terms of a booking, customers should first contact their travel or accommodation provider to discuss their options.”
AXA says it would generally provide cover for someone travelling to an amber list country, customers should check FCDO advice as this may restrict cover.
The insurer does not cover related claims where a customer chooses to travel to a destination which the FCDO has advised against either all travel or all but essential travel.”
For single trip policies, Admiral allows customers to buy cover to some amber-listed countries.
A spokesperson said: “Customers can contact us to check if we will provide cover for a country they want to visit.”
On annual multi-trip policies with Admiral, travel to amber listed destination is covered.
Will My Insurer Cover Me If My Airline Goes Out Of Business
Only certain policies will cover you if your airline goes bust. The Air Travel Organisers Licencing which protects most air package holidays sold by travel businesses in the UK, also protects some flight bookings, typically when someone books flights but does not receive their tickets immediately.
The Association of British Travel Agents also provides protection for package holidays to destinations in the European Economic Area and cover for linked travel arrangements the purchase of two or more travel services for one trip.
There are exceptions to what ATOL and ABTA cover so do check their websites before travelling.
Travel Insurance Covers Expenses If You Need To Cancel Your Trip For A Covered Reason
Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.
Insurance companies provide a list of covered reasons for trip cancellation, an overview of typical covered reasons is below.
Covered reasons to cancel your trip:
- Sickness, injury, or death of you, a family member, or a traveling companion
- Hurricane damages your destination or cancels your flight
- Laid off from work or required to work
- Terrorist incident in your destination city
- Bankruptcy of your travel supplier
This is only a partial list, but you can see it covers very common situations for cancelling.
The most common reason is the first onesomeone getting sick or a family member passing away.
Cancel For Any Reason coverage will allow you to call off your trip for any reason, as long as you meet the plan criteria.
Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip for the same list of covered reasons.
If something happens and you are required to return home, insurance will reimburse you for the lost portion of your tripas well as any additional expenses for the last-minute flight home.
What Does Travel Insurance Usually Covertop
But travel insurance isnt only about covering the costs of medical care, it can protect you against a whole host of unplanned events:
Every week, the ABI says that 3,000 Brits need emergency medical treatment while abroad.
A European Health Insurance Card , soon to be replaced by the Global Insurance Health Card , will entitle you to the same treatment as a local in that country but it is not a replacement for travel insurance. And it wont cover you outside of Europe.
What Does Uk Travel Insurance Cover
To be covered at all, your trip must first fit your insurer’s definition of a UK holiday and this not as straightforward as it sounds.
Generally, you’ll only be covered if your trip involves spending at least two consecutive nights in pre-booked accommodation.
This means that very short breaks, road trips and some camping holidays won’t usually be covered. A few insurers also stipulate you must be more than 25 miles away from home.
But each insurer has their own definition, so check the policy wording carefully to make sure your trip is covered. If you’re not sure, it’s best to ask the insurer directly before buying the policy.
What Is Uk Travel Insurance
The aim of travel insurance is to cover the cost of the unforeseen, such as illness and injury or theft of your personal possessions while you’re on holiday. It’s also designed to cover you if you have to cancel your trip before you go, or if you need to return early due to an emergency.
UK travel insurance is not a special type of policy it’s just normal travel insurance that happens to apply to domestic trips. When buying a single-trip policy, you can normally specify that you’ll be travelling within the UK. With annual multi-trip policies, the UK is normally included if you say you’ll be travelling in Europe or worldwide so you may already have cover if you have an existing annual policy.
Either way, the idea’s the same: UK travel insurance is supposed to provide extra protection for your staycation. However, while it covers many of the same things as overseas travel insurance, not everything’s the same…
Check You’re Covered For The Countries You’re Travelling To And Remember You’re Not Covered For Cancellation If The Foreign Office Warns Against Travel
Insurers will classify your trip as ‘European’ or ‘worldwide’. Worldwide is often further broken down to include or exclude the US, Canada, the Caribbean or Mexico. Selecting the option to include these countries increases the premium due to the high cost of medical treatment particularly in the US and possible repatriation.
European annual travel cover isn’t just for Europe If you’re travelling just outside Europe, you don’t always have to select worldwide cover. Many insurers actually allow you to use their European cover in a handful of non-European countries too.
If you’re visiting Egypt, Morocco, Turkey or Tunisia, it’s worth getting a quotation for European cover first and then checking the policy’s geographical area definition to see if the country you’re going to is included. The following insurers Allianz*, Insure and Go and Coverwise* all class Egypt, Morocco, Turkey and Tunisia as Europe.
It’s also worth noting that not all insurers automatically include Spain in their European cover you may have to pay extra to include Spain if you plan to travel there.
Check if the Foreign Office is advising against travel to your destination The Foreign, Commonwealth & Development Office has a list of countries which it feels are unsafe for travel. Usually, this covers areas where there’s war, terrorism or other reasons not to travel eg natural disasters. Currently, the list is rather longer than usual due to the pandemic.
Amber List Travel Insurance: Am I Covered Rights Explained
WITH coronavirus restrictions easing, many of us are booking trips abroad – but you still need to make sure your insurance is valid.
Soon, double-jabbed Brits will be able to add amber-list countries to the list of destinations they can visit without quarantining, the Sun has revealed.
Read ourcoronavirus live blogfor the latest updates
This makes it far easier to holiday in 147 countries including Spain, Italy, the USA, Madagascar and Mauritius.
But just because a country is on the green or amber list, that doesn’t mean your insurance will cover you for your holiday.
Before you rush out to book a trip, here’s everything you need to know about making sure you’re insured:
What Types Of Travel Insurance Are There
While policies can differ a lot in terms of cover, they will generally fall into one of the following categories:
- Single trip covers you for a one-off trip for a set period of time.
- Annual/multi-trip covers you for as many trips as you take within a whole year. Typically more cost-effective than the single trip option if youre taking more than two holidays within that period.
- Backpacker/gap year provides cover for multiple destinations over an extended period. You might need to add cover for the kinds of activities you plan on doing, such as adventure sports, work or volunteering.
- Winter sports specialist cover if youre going skiing, snowboarding or other winter sports. These are considered by insurers to be high-risk activities and so are excluded from most standard policies.
- Worldwide there are usually two types of worldwide policy those that cover the US and those that dont.
- European not always clear cut, as some policies cover areas that arent technically in Europe.
- Family covers two adults plus up to four children travelling together. Suitable if your children are 18 or younger and live full-time with you.
Travel Insurance For The Isle Of Man & Channel Islands
While travelling in the UK youll be eligible for NHS treatment for medical emergencies. Reciprocal Healthcare Agreements are in place between the UK and the Channel Islands and Isle of Man.
This means that if you need emergency medical treatment while youre on holiday in these destinations, you will receive similar treatment to that provided by the NHS. You can, however, submit a claim on your AllClear policy for emergency medical expenses that are not covered under the reciprocal arrangements.
As there is no Reciprocal Healthcare Agreement between the UK and Guernsey, if youre travelling to Guernsey, well cover your emergency medical expenses up to £15 Million.
How Much Does Single
The cost of travel insurance varies depending on where you are travelling to, the length of your trip and additional cover. Single-trip travel insurance can cost as little as a few pounds however opting for the cheapest insurance isnt always the best option. The cost depends on:
- Where you are travelling to
- Whether you opt for single, joint or family cover
- Your age
Does Staysure Travel Insurance Cover Pre
Staysure prides itself when it comes to covering most pre-existing medical conditions and it has no upper age limits on its single and annual policies which makes it as inclusive as possible to older travellers. Staysure says it can cover most pre-existing medical conditions and an example of some of the conditions it often covers are listed below:
Insurance For Temporary And Permanent Residents Overseas
For temporary residents overseas, long-stay travel insurance may be available to cover extended periods of continuous travel. You should carefully check the maximum duration allowed under any policy you consider buying to ensure that it meets your needs.
You should also make sure that the entire policy meets your needs, including specific activities and employment that you may undertake during your stay. See contacts above for further advice and details of specialist providers.
Travel insurance is not intended for permanent residence overseas. If youre living overseas permanently, or planning to move to a different country, you should consider your insurance needs carefully. Private medical insurance for UK expatriates is available. There may also be requirements under local law to have medical insurance.
You can also buy insurance from local providers overseas. In all cases you should check policies carefully, including consideration of whether medical cover can be transferred in the event that you re-locate to other countries in future. See contacts at the end of this guidance for further advice and details of specialist providers.
Details of how the FCDO can provide support to British nationals when things go wrong abroad are outlined in the publication Support for British Nationals Abroad. Note that the FCDO does not pay medical bills or fund medical repatriation to the UK.
Staysure Long Stay Travel Insurance
Longstay travel insurance provides cover for a longer trip and is usually ideal for holidays where you will be away for a period of around 3-18 months, so it is ideal if you are backpacking or going away to a warmer climate over the winter. There are limits on how long you can be covered on a Long Stay Staysure policy and we highlight these limits below:
Undeclared Medical Conditions Or Treatment
If you fall ill during your trip and have not declared a pre-existing medical condition to your insurer, even if seemingly unrelated, you may not be covered. Make sure you answer all questions about your medical history in full when you take out a policy, and tell your insurer about any changes in your health before you travel.
This may still apply if youre receiving or waiting for medical tests or treatment for an undiagnosed condition or set of symptoms when you travel. Check your policy wording carefully and contact your insurer before you travel if youre unsure.
Some policies may exclude cover for treatment related to a mental health condition. See foreign travel advice for people with mental health issues for more guidance on mental health and travel.
If The Country Youve Travelled To Is Moved To The Amber Or Red List
You may have to cut short your trip because the country youve travelled to has been moved to the amber or red list while youre there. As long as the Government had not placed the country on the green watch list, or announced before you departed that the country was moving to the amber or red list, youre still covered.
You should first speak to your travel provider.
Coverage For Trip Interruption
Trip interruption is whats known as a post-departure benefit because it would happen after youve started your trip. Commonly covered reasons include injury, illness or death of the traveler or traveling companion, terrorist events, severe weather or a family emergency at home.
Your policys benefits will cover the costs associated with last-minute flights, transportation, and any unused and prepaid deposits you will lose if you abandon the trip early.
Staysure Winter Sports Travel Insurance
Staysure’s winter sports travel insurance policy specialises in cover for your winter holiday. Winter sports cover is automatically included if you buy a comprehensive Staysure policy and will cover you for two trips up to a combined total of 21 days. You can expect the following cover with a Winter Sports comprehensive policy:
|Up to £500|
How Our Claims Process Works
At home or abroad, were here when you need us online and over the phone.
You can only claim for an unexpected event. Our travel insurance doesnt cover you for any event, incident or circumstances that you knew about or could reasonably be expected to know about when taking out your policy. That could be something thats already happened, or is going to happen, and is likely to affect your travel plans.
Your travel policy provides cover for unrecoverable costs. If you need to make a claim for travel, accommodation or related costs which you or any insured person has paid, we will consider claims for your costs which are unrecoverable from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL .
Always Declare Medical Conditions Including Coronavirus Or Your Claim May Be Rejected
The thought of having to declare medical conditions can be daunting but travelling without making your insurer aware of any issues can result in any claim you make being rejected. Just let the insurer know, even if you don’t deem it particularly important, especially as each insurer will have its own list of conditions it deems as more serious. Make sure you give a full and frank rundown of all the health problems you have, or have had including any coronavirus-related health issues usually in the last five years. Plus you’ll need to tell the insurer if you’re pregnant too.
For much more, including tips, tricks and how to find the cheapest deals, see our Pre-Existing Conditions Travel Insurance guide.
When Can I Be Covered For Covid Related Claims
To be covered by your travel insurance, youll need to be travelling to a place that the FCDO have not advised against travel to. Your policy will only be valid if its safe for you to go.
If you need to travel to Europe when the FCDO advises against all but essential travel, you can add our FCDO Travel Advice Extension to your policy to be covered on your trip.
Below, you can find out more about our COVID-19 cover in more detail:
What Protection Does Cover For Covid
Protection for Covid-19-related risks covers the cost of your medical treatment and repatriation as a minimum. Some policies will additionally costs incurred if you needed to cancel your holiday due to Covid. The specific reasons insurers will accept for a Covid-related claim do vary, so be sure to check your policy for the details.
What About Any Government Travel Restrictions For The Uk
No travel insurance policies are currently offering cancellation cover as a result of changes to government advice due to Covid-19.
Therefore, you should consider booking your staycation with a provider that offers flexible cancellation terms and conditions, such as free cancellation up until 24 hours before arrival, or a guarantee that the holiday can be moved at no extra cost if the trip cant go ahead due to Government restrictions.
What Does Worldwide Travel Insurance Cover
While individual travel insurance policies will vary, a comprehensive worldwide policy should cover you for:
- Medical expenses if you fall ill, have a medical emergency, or an accident while youre away.
- Repatriation to get you back to the UK.
- Cancellation, curtailment and missed departure.
- Travel delays your insurer is likely to stipulate a certain length of time after which this will apply.
- Personal belongings, baggage and money if they are lost, stolen or destroyed.
- Personal liability to cover you if you accidentally injure someone or damage their property.
You should pay attention to the financial limits in each area of a policy, making sure they are adequate for your needs. For worldwide medical expenses, its wise to look for cover of at least £5 million.
If you are not travelling as part of an ATOL-protected package holiday, consider looking for a policy that includes end supplier failure cover too. This will protect you financially should one of your travel companies cease to trade. Alternatively, scheduled airline failure covers the collapse of airlines. Both may be offered as an extra that you could add on to a policy.
What Is Covid Cover
Many insurers now include cover for Covid-related risks as part of their travel insurance.
This includes cover for medical expenses and the costs of travel if you fall ill with the virus while away and need to come home early.
Many insurers also provide more comprehensive Covid-19 cover which allows you to make cancellation claims in relation to the virus. For example, if you or one of your party falls ill with Covid prior to departure or is required to enter quarantine before the departure date.
Make sure to check your policy details before going away, as the exceptions and limitations on the circumstances in which you can claim vary between providers.
Do I Already Have Cover With Other Insurance Policies
If you only need cover for your luggage and possessions, you might be covered by your home insurance.
Check whether your home contents insurance policy includes cover for personal possessions away from home. You usually have to pay for it as an optional extra.
You should also check which possessions you have cover for and that the limit is high enough for everything youre taking with you.
If you have a breakdown policy, that might cover you for getting home or to your destination if youre driving there. You need to make sure your policy has national cover and includes onward travel.
Home insurance and breakdown cover can be useful if something goes wrong with your UK travel, but neither of them will cover as many eventualities as a travel insurance policy.
What Should You Look For In A Good Travel Insurance Policy
TRAVEL insurance policies can vary a great deal, but here are some “must have
- Medical expenses – A good policy will give cover of £1million or more for travel in Europe and £2million or more for the USA
- Repatriation service – The costs of getting you back to the UK for medical reasons should be covered automatically by your policy
- Cancellation and curtailment – A good policy will cover you for £2,000 or more if you have to cancel or shorten your holiday
- Missed departure – Covers additional accommodation costs and travel expenses up to £500 or more if you miss your flight due to circumstances out of your control
- Delay – You’ll usually be covered for £250 or more if your travel plans are delayed due to circumstances out of your control
- Baggage cover – Covers you if your baggage is lost, damaged or stolen. Look for policies that have cover of £1,500 or more.
What Happens If I Have To Cancel My Trip Due To Ill Health
All our policies come with cancellation cover including if you needed to call off your trip due to ill-health.
Your policy covers you against any unforeseen circumstances beyond reasonable control. If you need to cancel your trip the authorisation must come from your GP or consultant.
Conditions do vary from policy to policy, as well as situation to situation – so for a better understanding of what we will cover, please refer to your policy wording or if you have opted for one of our more specified policies.