Trips fall apart in unexpected ways: lost bags, cancelled flights, sudden illness. A Staysure policy takes the sting out of those problems with cover for medical emergencies, pre-existing conditions, cancellations, baggage, and delays. Policies are tailored for English-speaking residents in Spain, France or Portugal who want the security of knowing they’re covered properly. Whether you need a basic safety net or unlimited medical cover, there’s a plan that fits.
Why you don’t want to roll the dice
Booking holidays is the fun part. Sorting out what happens if things go wrong? Not so much. But ignoring it can be expensive. A hospital bill abroad can rival the price of a new car. A missed connection can snowball into extra hotels and replacement flights. Even a lost passport can eat days of your trip. That’s where insurance comes in. It isn’t there to make things perfect, but it makes sure setbacks don’t turn into disasters. Staysure has carved out a reputation by covering travellers that other insurers often pass on people with health conditions, older travellers, and expats living abroad. Instead of leaving you to figure it out alone, it steps in when things don’t go to plan.
The essentials to look out for when buying a policy
- Medical emergencies and repatriation: Basic policies cover up to €5 million, while comprehensive plans offer unlimited cover. That’s the kind of backup you want if you land in hospital overseas.
- Cancellation and curtailment: If you have to cancel or cut a trip short, basic policies cover up to €3,000 and comprehensive up to €5,000. No one wants to lose money on hotels and flights they can’t use.
- Baggage and cash cover: Bags vanish, wallets get lifted. Basic pays up to €300 for baggage and €250 for cash, comprehensive stretches that to €2,500 for baggage and €500 for cash.
- Personal liability: Only included with comprehensive, up to €2 million. Not glamorous, but essential if you accidentally cause damage or injury abroad.
- Excess: €129 on basic, €99 on comprehensive. Lower excess means you keep more of your money if you need to claim.
- Optional extras: You can tailor the policy to your trip. Cruises, winter sports, golf, or gadgets if your holiday is more adventurous than average, these extras fill in the gaps.
Who can actually buy a policy
There are a few important conditions to know before you get covered:
- You must be an English-speaking resident of Spain, France, or Portugal, and have lived there for at least six of the last twelve months.
- You must have spent more than six months in your home (non-native) country in the last year.
- You need to be in that country at the time of buying the policy.
- You must be registered with a medical practitioner in the country where you live.
- You need to be travelling from and returning to the country you live in.
- You should confirm you don’t already have suitable cover with another provider.
- Your trip must follow advice from the Foreign, Commonwealth and Development Office (FCDO).
These aren’t hoops for the sake of it. They’re there to make sure the policy can actually protect you properly, wherever you go.
Why the fine print matters
Insurance only works if you understand what you’re buying. The coverage levels make a big difference. A weekend away in Italy might only need basic protection. A round-the-world trip, or a cruise, is better suited to comprehensive cover with extras. Tailoring the policy up front avoids nasty surprises later.
And declaring health conditions is key. It can nudge the price higher, but skipping it risks invalidating your entire policy. Transparency at the start equals peace of mind later.
Real travel freedom
Picture a retired couple in their seventies heading to the Mediterranean for a cruise. One has diabetes, the other mild asthma. With no insurance, they’d spend the trip holding their breath, hoping nothing flares up. With comprehensive cover, they can enjoy each stop without worry.
Or think about the solo traveller with a backpack full of camera gear. If a bag goes missing, basic cover would soften the blow, but comprehensive plus gadget add-on makes sure the loss doesn’t wreck the trip.
That’s what travel insurance buys: not perfection, but the freedom to enjoy the holiday without fear of the “what ifs.”
Why Staysure stands out
Plenty of insurers will happily take your money, but few are this clear about who they serve and how much they cover. Staysure focuses on expats, on older travellers, and on people with health conditions. It’s not a generic, one-size-fits-all policy. It’s a product built around the realities of travellers who want to see the world with confidence, not hesitation.
When you know your medical bills are unlimited, your baggage is covered, and your bases are properly ticked, you travel differently. You relax, you explore, and you enjoy. That’s the point of a holiday and the point of getting insurance right.
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