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Living abroad brings freedom, flexibility and new opportunities to explore the world, but travel still comes with risks that need careful planning. Staysure expat travel insurance is designed specifically for English speaking expats living in Spain, France or Portugal, offering protection that reflects the realities of life overseas. Whether planning a short getaway or multiple trips throughout the year, the cover is built to provide reassurance before and during travel.
Flexible Travel Cover for Life Abroad
Expats often travel differently from standard holidaymakers. Visits back home, spontaneous European breaks and longer international adventures are all part of the lifestyle. Staysure offers two main options to reflect this flexibility. Single trip travel insurance provides protection for one specific holiday. It includes cover for cancellation, emergency medical expenses, baggage loss and other common travel disruptions. Depending on the policy chosen, travellers can be covered for trips lasting up to 104 days, giving plenty of scope for extended stays. Annual multi trip travel insurance is ideal for those who travel frequently. One policy covers multiple trips within a 12 month period, offering the same core benefits each time. Annual cover allows up to 183 days abroad in total across the year, helping expats travel with convenience and continuity.
Both options are structured to support people who split their time between countries, offering peace of mind whether travelling within Europe or further afield.
Medical Protection Designed Around Real Health Needs
Healthcare abroad is one of the biggest concerns for travellers, particularly for those with existing medical conditions. Staysure covers most pre existing medical conditions, including asthma, diabetes, heart conditions and high blood pressure. Older travellers and those with complex health histories can also find suitable protection.
When requesting a quote, travellers complete a short medical questionnaire. This allows the policy to be tailored accurately, ensuring that cover reflects individual health needs. Medical and repatriation protection is included as standard, providing support for emergency treatment and, if necessary, transport back home.
A 24 hour medical emergency helpline operates wherever travellers are in the world. In many cases, direct billing arrangements can be made with hospitals, reducing the need for large upfront payments. Even for those who hold a GHIC or EHIC card, travel insurance remains essential, as these schemes only provide limited access to state healthcare and do not cover private treatment or repatriation.
Protection from the Moment You Book
Buying expat travel insurance as soon as a trip is booked ensures protection starts immediately for key areas. This early cover can make a significant difference if plans change unexpectedly.
Policyholders are protected for trip cancellation or curtailment, meaning prepaid costs can be recovered if illness or other unforeseen circumstances prevent travel. Emergency medical care is included with round the clock assistance. Cover also extends to travel delays, disruption, lost or damaged baggage and stolen or lost cash.
This early protection transforms insurance from a last minute purchase into an active safeguard from the moment a holiday is planned.
Tailoring Your Policy with Optional Extras
Travel plans vary widely, and Staysure allows expats to customise their policies with optional extras that reflect the type of holiday they are taking.
• Cruise cover provides protection for medical emergencies at sea or in port, evacuation, medical expenses and baggage and personal possessions.
• Winter sports cover includes protection for unexpected medical costs, lost or damaged ski equipment, unused passes, piste closures and avalanches, available for single trip travellers aged 70 and under and included with Comprehensive annual policies subject to limits.
• Excess waiver removes the standard policy excess so nothing is paid towards approved claims, but must be added at the time of purchase.
• Single item cover increases protection for high value belongings up to €1,000 per listed item instead of the standard €450.
• The 100 day upgrade extends a standard 50 day trip to 100 days for one holiday on Comprehensive policies for travellers aged 70 and under.
These options allow travellers to align their protection closely with their itinerary, activities and valuables.
What Is Not Covered
While expat travel insurance offers extensive protection, certain situations are excluded and it is important to understand them before purchasing. Cover does not apply to undeclared medical conditions, so full disclosure of health history is essential for a valid policy. Travelling against medical advice may invalidate the insurance. Planned or expected medical treatment abroad, including cosmetic procedures, is not covered, as the policy is designed for unexpected emergencies only. Claims related to alcohol or drug use are excluded if they contribute to illness, injury or incidents. Trips that began before the policy was purchased are not covered, which is why buying before leaving home is crucial. Extreme sports or activities not listed in the policy wording are excluded unless appropriate cover has been added. Travel to destinations under an active government warning advising against all travel is also not covered unless specifically included in the policy wording.
Full details of exclusions and limitations are outlined in the Policy Document and Key Facts, which should always be reviewed before buying.
Buying Expat Travel Insurance Online
Arranging cover is straightforward and can be completed online in just a few steps. Travellers provide details about where they live, their destination and travel dates. Next, they select the level of cover that matches their needs, from essential protection to more comprehensive options.
Optional extras can be added during the purchase process, allowing the policy to be customised fully. Once payment is made, single trip cover starts immediately, while annual cover begins on the chosen start date. Policy documents are sent instantly by email, making the process quick and convenient. For expats living in Spain, France or Portugal, travel is often part of everyday life. Having reliable, flexible and medically comprehensive insurance in place allows journeys to begin with confidence. From medical emergencies and cancellations to tailored extras for cruises or winter sports, Staysure expat travel insurance provides structured, practical protection.
By understanding both what is covered and what is not, and by tailoring policies to individual needs, expats can explore freely while knowing they have support in place if the unexpected happens.
