Visas · head to headStaysure vs InsureandGo
Staysure vs InsureandGo
Compared on eligibility rather than price: who each will actually accept. The seniors and medical-conditions specialist. Buy before you go, or not at all. No upper age limit and it will consider any condition you declare. UK residents, before departure.
The rules side by side
| Rule | StaysureSingle trip / Annual / Long Stay | InsureandGoSingle trip / Annual / Backpacker |
|---|---|---|
| Who can buy it | Set list of countriesUK, Channel Islands or Isle of Man only, and you must have lived there for six of the last twelve months, with a local doctor and an NI number if you are 16 or over. | Set list of countriesUK residents only. |
| Buy after you have left home | NoThe insured trip must always start from the UK. You cannot buy once you have left. | No“InsureandGo is not able to cover you if you have already left the UK.” |
| Maximum age | No capNo upper age limit on single trip or annual. Long Stay is capped at 75. | No capNo upper age limit, with dedicated over-65, 70, 75, 80 and 85 products. |
| One-way or open-ended trips | No“We don’t cover one-way trips.” | Not verifiedNot verified. |
| Longest trip | 18 monthsSingle trip 104 days; Long Stay up to 550 days under 65, dropping sharply with age (76+ is single trip only). | 18 monthsBackpacker up to 18 months; annual per-trip limits run 31 to 55 days by tier. |
| Pre-existing conditions | YesThe core strength: full medical screening covering 1,300+ conditions, with a two-year declaration window. Most applicants get cover. | YesFull screening: they will consider any pre-existing condition provided you declare it before buying. |
| Cover in the USA | YesWorldwide region options, within age-based duration caps. | YesWorldwide options available. |
| Schengen visa certificate | Not verifiedNot marketed as a Schengen visa product. | Not verifiedNot marketed. |
| Winter sports | With conditionsIncluded on Comprehensive and Signature annual policies. | With conditionsActivity packs exist; detail not verified (their site blocks automated checking). |
| Scuba diving | Not verifiedActivity pack detail not verified. | Not verifiedNot verified. |
| High-altitude trekking | Not verifiedActivity pack detail not verified. | Not verifiedNot verified. |
| Scooters and motorbikes | Not verifiedMotorcycle rules not verified. | Not verifiedNot verified. |
| Working abroad | Not verifiedNot verified. | Not verifiedNot verified. |
| Trip cancellation | YesUp to £15,000 on the Signature tier. | YesIncluded, tier-based. |
| Families | YesSingle, couple, family and group options. | YesIndividual, couple, family and group. |
| No fixed country of residence | NoStrict UK residency test. | NoUK residency required. |
Both columns are generated from the same rule database the checker uses. Sources: Staysure and InsureandGo, checked 2026-08-03.
Who each one suits
- Staysure makes sense when age is the constraint that usually blocks you.
- InsureandGo makes sense when age is the constraint that usually blocks you.
Both columns come from the same rule database the checker uses. Sources: Staysure and InsureandGo, checked 2026-08-03.