Staysure eligibility rules
The seniors and medical-conditions specialist. Buy before you go, or not at all. Every row below is taken from Staysure's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | UK, 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. | verified |
| No fixed country of residence | No | Strict UK residency test. | verified |
| Buying after you have left home | No | The insured trip must always start from the UK. You cannot buy once you have left. | verified |
| Maximum age | No stated cap | No upper age limit on single trip or annual. Long Stay is capped at 75. | verified |
| One-way and open-ended trips | No | “We don’t cover one-way trips.” | verified |
| Longest trip | 18 months | Single trip 104 days; Long Stay up to 550 days under 65, dropping sharply with age (76+ is single trip only). | verified |
| Pre-existing conditions | Yes | The core strength: full medical screening covering 1,300+ conditions, with a two-year declaration window. Most applicants get cover. | verified |
| Cover in the USA | Yes | Worldwide region options, within age-based duration caps. | verified |
| Schengen visa certificate | Not verified | Not marketed as a Schengen visa product. | low |
| Winter sports | With conditions | Included on Comprehensive and Signature annual policies. | partly |
| Scuba diving | Not verified | Activity pack detail not verified. | low |
| High-altitude trekking | Not verified | Activity pack detail not verified. | low |
| Scooters and motorbikes | Not verified | Motorcycle rules not verified. | low |
| Working abroad | Not verified | Not verified. | low |
| Trip cancellation | Yes | Up to £15,000 on the Signature tier. | verified |
| Families | Yes | Single, couple, family and group options. | verified |
Who underwrites it
TICORP Limited (Gibraltar), administered by Howserv Limited. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Staysure. That is disclosed on every link, and it never changes where they appear or in what order. 5%+ of policy price, excluding medical screening costs and add-ons.
Sources: staysure.co.uk, staysure.co.uk. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.