The UK travel insurance market for over-50s and pre-existing conditions is moderately concentrated, with a handful of specialists - Staysure, AllClear, Free Spirit, and Insurancewith - competing alongside the broader travel insurance arms of major insurers and comparison platforms. Staysure occupies a recognisable brand position in this segment, with strong organic search presence and direct-to-consumer acquisition supplemented by paid search and affiliate channels (such as voucher-code partnerships). Average policy values in the specialist over-50s segment are typically higher than mainstream travel insurance, reflecting longer trips and greater medical risk loading; industry benchmarks suggest annual multi-trip premiums in this category can range from roughly £80 to several hundred pounds depending on medical history and destinations covered. Purchase behaviour is largely repeat and seasonal, with buying spikes in January-March as consumers plan summer holidays. Competition on price is meaningful but not the sole driver - trust, breadth of conditions covered, and ease of claims handling all feature in purchase decisions.

About Staysure

Staysure occupies a specific and genuinely useful corner of the travel insurance market: cover for older travellers and people with pre-existing medical conditions. That positioning matters. Most mainstream insurers either decline cover outright for complex medical histories or bury the conditions in small print until claims time. Staysure built its model around actually taking those customers on - which is either admirable or just commercially shrewd, depending on your level of cynicism. Probably both.

In practice, buying a policy works exactly as you'd expect from any online insurer. You work through a quote builder on the website, declaring destinations, trip duration, and medical history. The medical screening process is more thorough than you'll get from a comparison site and takes longer to complete - budget ten minutes rather than two. That's the price of covering pre-existing conditions properly rather than waving them through and hoping nothing happens.

The policy range covers single trip, annual multi-trip, and cruise-specific insurance, with the annual multi-trip option being the most frequently discounted. Cruise cover is worth highlighting separately: cruise-specific policies typically include cabin confinement, missed port departure, and itinerary changes - protections that standard travel insurance quietly omits. If you're sailing rather than flying, paying attention to that distinction could save significant grief later.

On the positive side, Staysure has built a reasonable reputation for covering conditions that competitors would decline, and the quote process gives fairly clear breakdowns of what is and isn't included. The website is functional rather than beautiful, but it doesn't get in the way. Customer service operates by phone as well as online, which matters for the demographic they're largely serving - older travellers who'd rather speak to someone before committing to a policy.

The less flattering side: premiums for people with serious pre-existing conditions can be meaningfully higher than a clean-bill-of-health policy from a cheaper rival. That's not unique to Staysure - it's inherent to the risk model - but it means discounts matter more here than they might elsewhere. A 20% reduction on a policy that costs twice what a younger, healthier traveller pays brings things back towards reasonable. There are currently 33 active voucher codes and 21 deals listed on this page, with discounts running from 5% to 20% off. The 20% codes are the most common, so it's worth grabbing one before the next clear-out - 31 codes are expiring within the week.

The main competitors are AllClear, Insurancewith, and Free Spirit, all of which target similar customers with similar propositions. Staysure tends to perform well on brand recognition and ease of use; the others occasionally price more aggressively for specific conditions. If you have a complex history, it's worth getting quotes from two or three before committing - the difference can be material.

There's no loyalty programme or subscription scheme to speak of. This is a transactional relationship: buy a policy, use it if you need to, renew next year. Staysure does tend to send renewal reminders with promotional pricing, which is worth watching out for if you're an existing customer.

Bottom line: if you're over 50, travelling with a pre-existing condition, or planning a cruise, Staysure is a logical first stop. If you're 28 with no medical history, you'll almost certainly find cheaper cover elsewhere - and you should look there first.

How to use a Staysure discount code

Start your quote at staysure.co.uk by selecting your policy type - single trip, annual multi-trip, or cruise - and work through the quote builder until you reach the summary or payment screen.
Look for a promo code or discount code field on the payment or quote summary page. It's typically labelled clearly, but if you don't see it immediately, check near the policy total rather than the top of the page.
Copy your code from this page - don't retype it manually, as a single wrong character will invalidate it - and paste it into the field.
Click the 'Apply' button. Don't skip this step: the discount won't register until you actively apply it, regardless of whether the code is showing in the box.
Confirm the revised total updates before entering payment details. If the price hasn't changed, the code hasn't applied - double-check for typos, expiry dates, or policy-type restrictions (some codes apply to annual multi-trip only).
Complete payment once the discount is confirmed. The code cannot usually be applied retrospectively after purchase, so don't rush past this check.

Staysure shopping tips

Act on expiring codes now. Of the 33 active codes currently listed, 31 are expiring within the week. That's not a manufactured urgency - it's the calendar. If you're planning travel soon, it's worth checking codes today rather than next weekend.
Go for 20% if you can. Discounts range from 5% to 20% off, and 20% is actually the most common threshold in the current batch. Skip the lower-value codes unless none of the 20% ones apply to your policy type.
Annual multi-trip codes appear frequently. Several of the current offers are specifically tied to annual multi-trip policies. If you're likely to travel more than twice in twelve months, that policy often works out cheaper per trip anyway - and the discounts push the maths further in its favour.
Check whether the code is policy-type specific. Some codes apply only to annual multi-trip, others to all policy types. Read the terms before you start a quote - you can't always switch policy type partway through without starting again.
Compare before you commit if you have a complex medical history. Staysure is strong in this space, but AllClear and Free Spirit are legitimate alternatives. Running parallel quotes takes fifteen minutes and can surface meaningful price differences for specific conditions.
Watch your renewal email. Staysure typically contacts existing customers before renewal, sometimes with promotional rates. Don't auto-renew without checking whether a new-quote code from this page beats what's in your inbox.
Cruise insurance deserves separate attention. If you're covering a cruise, make sure you're buying the cruise-specific policy, not standard travel insurance. The protections differ substantially, and a standard policy won't cover missed ports or cabin confinement in the way cruise-specific cover does.

Staysure promotions FAQs

Yes, Staysure does offer discount codes, and they're available regularly through voucher sites including this one. There are currently 33 active codes and 21 deals listed on this page, with discounts running from 5% to 20% off. The most common discount in the current batch is 20% off. Many codes are policy-type specific — particularly for annual multi-trip insurance — so check the terms before you start your quote. With 31 codes expiring within the week, it's worth acting sooner rather than later if you're planning to buy.

Staysure doesn't publicly advertise a dedicated NHS or key worker discount programme on its website at the time of writing. That could change, so it's worth checking their promotions page directly or contacting their customer service team if you're an NHS worker hoping for specific concessions. In the meantime, the general discount codes currently listed on this page are open to everyone and offer up to 20% off, which is a meaningful saving regardless of employment sector. Don't assume a sector discount exists — always verify directly with the retailer before purchase.

Staysure is primarily aimed at older travellers and people with pre-existing medical conditions, so a student discount isn't part of their standard offering and isn't publicly listed on their site. Students requiring travel insurance are generally better served by mainstream insurers or comparison sites, where premiums for younger, healthier travellers tend to be considerably lower. If you're a student with a pre-existing condition, Staysure might still be competitive on cover breadth — but for a straightforward student trip, check comparison platforms first.

Travel insurance is a digital product, so the concept of delivery doesn't really apply. Your policy documents are issued electronically after purchase, typically by email, and you can usually access them through your online account or request a paper copy if preferred. There are no delivery fees, no thresholds to hit, and no next-day dispatch to worry about. Once payment is confirmed and your code has applied correctly, your cover documentation should arrive in your inbox fairly promptly — within minutes in most cases.

Get a quote on staysure.co.uk and work through the quote builder until you reach the payment or policy summary screen. There's a promo code field on that page — look near the total rather than at the top. Paste your code in (don't retype it manually) and click Apply. The discount should update the total immediately. If the price doesn't change, the code hasn't applied — check for typos, confirm it hasn't expired, and verify it covers your policy type. Some codes are annual multi-trip specific. Don't proceed to payment until you've confirmed the revised total.

A few things can cause this. First, check the expiry date — 31 of the current codes on this page are expiring within the week, so a code that worked yesterday may no longer be valid. Second, some codes apply only to specific policy types, most commonly annual multi-trip; if you're buying a single-trip policy, those codes won't apply. Third, make sure you're pasting rather than retyping, as a single character error will invalidate the code. Finally, some offers may be for new customers only. If none of those explanations fit, try a different code from the list — there are 33 active options currently.

Generally, no. Like most insurers, Staysure's promotional structure allows only one discount code per purchase. The quote builder will accept a single code in the promo field, and attempting to apply a second typically overrides or ignores the first. Your best approach is to identify the highest-value code that matches your policy type — currently the most common discount is 20% off — and use that one. There's no mechanism to combine multiple percentage discounts, and trying to do so is more likely to cause confusion at checkout than to produce a better price.

Staysure periodically offers discounts aimed at new customers, though they don't always label them explicitly as first-order offers. The current codes on this page include several that offer up to 20% off, some of which may carry new-customer eligibility terms. Check the individual code details before applying. If you're a returning customer looking to renew, Staysure typically contacts policyholders before renewal with their own promotional pricing — worth comparing that against the codes listed here, since a fresh quote with a voucher code sometimes beats the renewal offer.

For annual multi-trip cover, January to March tends to be peak buying season as people plan summer travel, and promotional activity from insurers typically reflects that demand. For single-trip insurance, the sensible rule is to buy as soon as you've booked your trip, since cancellation cover only applies from the policy start date. In terms of code availability, this page currently lists 33 active codes with 31 expiring within the week — so if you're ready to buy, the current window is more useful than waiting for a theoretical better deal that may not arrive.

Staysure doesn't run the kind of flash sales associated with retail — no Black Friday homepage countdown, no January clearance. Instead, promotional discounts tend to appear as percentage-off codes distributed through affiliate and voucher channels throughout the year, with volume picking up around peak booking seasons. The current 33 active codes suggest a fairly active promotional period right now. There's no reliable evidence of a single annual 'best sale' moment, so buying when you need cover with a current code is more sensible than timing the market.

Staysure covers single trip, annual multi-trip, and cruise-specific travel insurance. The cruise policies are worth attention if you're sailing — standard travel insurance typically doesn't include protections like missed port departure, cabin confinement, or itinerary changes, which cruise-specific cover does. All policies are designed to accommodate pre-existing medical conditions, which is where Staysure differentiates itself most clearly from mainstream providers. The medical screening is more detailed than a comparison site quote, but that's a feature rather than a flaw if you need cover that actually stands up at claim time.

Staysure's entire model is built around covering pre-existing conditions, which is precisely why the medical screening during the quote process is more involved than a standard insurer. You'll be asked to declare conditions, and the system assesses whether they can be covered and at what premium. This transparency is genuinely useful — you know going in what's included rather than discovering exclusions at claims stage. Premiums will naturally be higher for complex histories, which makes using a discount code more valuable here than it might be on a cleaner, cheaper policy elsewhere.

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