Staysure – trading name of Avanti Group Solutions, administered by Howserv Europe, S.L. (Agencia de Seguros Exclusiva), exclusive agent of ERGO Seguros De Viaje Europäische Reiseversicherung AG
Staysure
Staysure is a travel insurance for the Ireland market with online purchase and 24/7 assistance.
Direct payment
Where you have a valid claim and your medical expenses exceed €350 we will look to settle the bill directly with the medical provider where possible.
Geographic scope
Selectable geographical areas: Ireland Only; Europe Excluding (Cyprus, Egypt, Greece, Malta, Morocco, Spain, Turkey, Tunisia); Europe Including those countries; Worldwide Excluding USA, Canada, Caribbean, Bermuda, Mexico, Thailand, China and Hong Kong; and Worldwide.
Cover applies only to the specific country/countries or geographical area shown on the Validation certificate; travel outside that area is not covered. No cover applies to trips to countries or areas where the Department of Foreign Affairs and Trade has advised against all, or all but essential, travel.
Unique selling points
- Comprehensive policies provide unlimited emergency medical and repatriation expenses cover abroad, compared with a €5,000,000 limit on Basic cover.
- No excess is deducted when a valid European Health Insurance Card (EHIC) is used to reduce a medical bill at a public medical facility.
- An optional Excess Waiver can be purchased at the time of buying the policy to reduce the standard claims excess to nil.
- Pre-existing medical conditions can be covered up to age 85 on Single Trip and Annual Multi-Trip policies, subject to declaration and written acceptance.
- Comprehensive cover includes Personal Assistance Services such as emergency fund transfers of up to €500 and message relay in a medical emergency.
Coverage limits
Emergency Medical & Repatriation Expenses
Covered
Basic cover pays up to €5,000,000 for emergency medical treatment abroad; Comprehensive cover is unlimited. Costs above €350 must be pre-authorised by Staysure Assistance except in genuine emergencies.
Emergency Medical Treatment
Covered
Medical expenses for the immediate needs of an unforeseen medical emergency, when deemed necessary by a doctor and agreed by Staysure's medical officer: up to €5,000,000 Basic / unlimited Comprehensive.
Hospital Daily Benefit
€1,000
Only in Comprehensive
Comprehensive cover only: €50 for each complete 24-hour period as an in-patient abroad, up to €1,000, if treated under a reciprocal health agreement such as EHIC. No cover is available under Basic cover.
Outpatient Treatment
Covered
Outpatient treatment is covered within the overall Emergency Medical & Repatriation Expenses limit (€5,000,000 Basic / unlimited Comprehensive). Outpatient treatment likely to cost more than €350 must be authorised in advance by Staysure Assistance.
Emergency Dental Treatment
€250 – €400
Emergency dental treatment for immediate relief of pain, or emergency repairs to dentures/orthodontic appliances: up to €250 Basic / €400 Comprehensive. Replacement/repair of false teeth or dental work using precious metal is excluded.
Medical Transport
Covered
Transportation to the nearest suitable hospital for an unforeseen medical emergency is included within the Section 3a Emergency Medical & Repatriation Expenses limit (€5,000,000 Basic / unlimited Comprehensive).
Medical Evacuation / Repatriation
Covered
Additional travelling costs to repatriate the insured person home when recommended by Staysure's medical officer, including the cost of a medical escort, are covered within the Section 3a limit (€5,000,000 Basic / unlimited Comprehensive).
Repatriation of Remains / Funeral Costs
€5,000
Up to €5,000 for the usual and customary burial or cremation of a deceased insured person abroad, or the cost of returning the insured person's body or ashes to Ireland; funeral costs must be authorised in advance by Staysure Assistance.
Search and Rescue
Excluded
The policy explicitly excludes any search and rescue costs (General Exclusion 24).
COVID-19 Cover
—
Where the Department of Foreign Affairs has not advised against travel, Section 13 extends Emergency Medical & Repatriation cover (same limits as Section 3a: €5,000,000 Basic / unlimited Comprehensive) to insured persons who test positive for COVID-19, plus a self-isolation benefit of €20 per 24-hour period up to €300, and extends Cancellation/Cutting Short Your Trip cover up to the Table of Benefits limits.
Pre-Existing Medical Conditions
Conditional
Pre-existing medical conditions are not covered unless declared in full at purchase or renewal and accepted by Staysure in writing; conditions that are undiagnosed, awaiting tests/surgery, or have received a terminal prognosis can never be covered.
Optional Winter Sports Cover
Optional
Only in Comprehensive
Comprehensive policies only, for travellers aged 70 or under. Sub-limits: Winter Sport Equipment up to €500 (single article €300); Ski Pass up to €250; Equipment Hire €20/day up to €300; Ski Pack up to €250; Equipment Delay €20/day up to €300; Piste Closure €20/day up to €200; Avalanche/Landslide €20/day up to €160. Standard/included on Annual Multi-Trip Comprehensive policies (up to 2 trips, 21 days combined, under age 71); available as a paid add-on on Single Trip and Long Stay Comprehensive policies.
Sports & Activities Cover
Conditional
Many sports and activities (e.g. golf, cycling, scuba diving to stated depths, jet skiing) are covered as standard on a non-professional, non-competitive basis. Activities marked with an asterisk exclude Personal Accident and Personal Liability cover. A list of high-risk activities (e.g. bungee jumping, big game hunting, mountaineering, skydiving, base jumping) is entirely excluded.
Complications of Pregnancy and Childbirth
—
Only specifically defined complications (e.g. toxaemia, ectopic pregnancy, placental abruption, hyperemesis gravidarum, medically necessary emergency Caesarean section) are covered under the Emergency Medical & Repatriation limit (€5,000,000 Basic / unlimited Comprehensive); normal pregnancy and childbirth without complications is not covered.
Personal Liability
€2,000,000
€2,000,000 cover is included as standard on Comprehensive policies; on Basic cover it is available only as an optional extra subject to an additional premium being paid and shown on the Validation certificate. No cover applies for trips taken solely within Ireland, and no liability cover applies if the insured uses any mechanically propelled vehicle.
Legal Assistance
No limit stated
No standalone legal expenses/legal assistance benefit is described in the policy wording or IPIDs; Section 8 Personal Liability only covers legal costs incurred in defending or contesting a liability claim, not general legal assistance.
24/7 Medical Emergency Assistance
Covered
A 24-hour medical emergency assistance helpline (Staysure Assistance, operated via Euro-Center) is available every day of the year for medical emergencies abroad.
Key conditions
Assistance call deadline
You must obtain Staysure Assistance's prior authorisation before incurring medical expenses over €350, except in genuine emergencies; if outpatient treatment is likely to cost more than €350 or you are admitted to hospital abroad, you or someone on your behalf must call the 24-hour medical emergency helpline as soon as possible.
Unauthorized treatment
Failure to contact Staysure Assistance before incurring costs above €350, or before cutting short a trip, may mean cover is refused or the amount paid for medical treatment or additional travel expenses is reduced.
Purchase while abroad
Cover cannot start after you have left Ireland; each trip must begin and end in Ireland and a return ticket must have been booked prior to departure.
Chronic conditions
Any heart, circulatory or respiratory condition (e.g. angina, high/low blood pressure, raised cholesterol, stroke, COPD, chronic asthma) for which advice, treatment or medication was received is excluded as a pre-existing condition unless declared and accepted by Staysure in writing.
Pregnancy
Normal pregnancy and childbirth are not covered; only specifically listed complications of pregnancy and childbirth (e.g. pre-eclampsia, ectopic pregnancy, placental abruption) are covered, and cancellation or curtailment for pregnancy must be certified by a doctor as necessary due to such complications.
Pre-existing condition exclusions
All pre-existing medical conditions of the insured person and of close relatives, travelling companions, or persons on whom the trip depends must be declared at purchase or renewal and accepted by Staysure in writing; undeclared conditions are not covered and may invalidate related claims.
Coverage duration limit
Single Trip cover: maximum 104 days. Annual Multi-Trip: maximum 50 days per trip (100 days with an additional premium) if aged 0-70, or 35 days if aged 71-85, with a maximum of 183 days travelling in total per year. Long Stay: up to 366 days depending on age and destination region.
Where to buy
Policy specifics
Cruise Plus Cover
Optional coverage for medical emergencies at sea or in port, medical expenses, emergency evacuation, and baggage and personal possessions during cruise trips
SourceIncreased Single Article Limit
Optional upgrade to increase protection for individual valuable items from standard limit to €1,000 per item
SourceExcess Waiver
Optional coverage to remove the standard policy excess so policyholder pays nothing towards approved claims
Source100-Day Upgrade
Optional extension to extend a Comprehensive Single Trip policy from 50 days to 100 days
SourceTravel Disruption Extension
Optional coverage for government travel directives against all or all but essential travel not due to earthquake, fire, flood or hurricane
SourceMedical Assistance Contact Requirement
Policyholder must contact Staysure medical assistance before attending a medical facility (except pharmacy) if medical treatment is needed
SourceEuropean Health Insurance Card (EHIC) Requirement
Policy condition requiring obtainment and carrying of valid EHIC (with IE initials) when travelling to European Union countries
SourcePre-Existing Medical Condition Declaration
All pre-existing medical conditions must be declared during medical questionnaire at quote stage; doctor confirmation of fitness to travel does not guarantee coverage
SourcePrivate Medical Insurance (PMI) Notification
If policyholder has existing PMI, must notify relevant PMI assistance company and contact PMI in first instance for medical emergencies
SourceDepartment of Foreign Affairs Travel Advice Restriction
No cover provided if travelling to country or region where Department of Foreign Affairs and Trade has advised against all travel or all but essential travel
SourcePolicy Purchase Timing Requirement
Policy must be purchased before trip commences; cover cannot start after policyholder has left Ireland
SourceCooling-Off Period for Single Trip Policies
Standard 14-day cancellation right may not apply to Single Trip travel policies
Source