What is Covered


Staycationplan holiday insurance has been specially designed for holidays/’Staycations’ in the UK. Staycationplan offers you all the things you’d expect from a great travel insurance policy as well as a number of key benefits designed specifically to take care of you on your holiday/’Staycations’ in the UK.

Summary of Cover, Limits and Excesses

The table below provides a summary of cover offered by Staycationplan. Full terms & conditions and excesses are shown in the Insurance Policy.

Coronavirus – COVID-19

Staycationplan provides cover if you or a member of your party travelling with you have to cancel due to having been taken ill with COVID-19.


  • Summary of Cover
  • 1. Loss of deposit, Cancellation or Curtailment
  • 2. Medical repatriation/transportation of deceased
  • Emergency accommodation
  • Visit by close relative
  • Hospital inconvenience benefit
  • 3. Accidental death & disability benefit
  • 4. Personal liability
  • 5. Personal possessions
  • Personal Money
  • 6. Travel disruption
  • 7. Unexpected events
  • Travel delay (over 6 hours)
  • Polluted beaches
  • Natural disaster cover
  • 8. Vehicle breakdown
  • (a) Labour charges
  • OR
  • (b) 1. Towing
  • 2. Vehicle hire; OR
  • Alternative driver; OR
  • Rail or coach fares
  • 3. Hotel costs
  • 4. Vehicle recovery
  • Note: Cover is only provided
  • (a) up to £200 per vehicle OR
  • (b) up to £3,000 per vehicle
  • Limit per person (up to)
    (unless otherwise shown)
  • cost of the holiday
    (max. £4,000) per party
  • £25,000
  • £500
  • £500
  • £25 per 24hrs/£500 total
  • £15,000*
  • £2,000,000
  • £1,500
  • £250
  • £300
  • £30 first 6 hours
    £15 each additional 6 hours
    £90 in total
  • £30 per 24 hrs
    £150 in total
  • £1,000
  • £200 per vehicle
  • Overall cost per vehicle
  • £75 per 24hrs (£750 in total per vehicle)
  • £75 per 24 hrs (£750 in total per vehicle)
  • Overall cost per vehicle
  • £50 per 24 hrs
  • Overall cost per vehicle
  • Excess per person
    (unless otherwise shown)
  • £40
    (£15 loss of deposit per party)
  • £40
  • Nil
  • Nil
  • Nil
  • Nil
  • Nil
    (£100 damage to accommodation per party)
  • £40
  • £40
  • Nil
  • Nil
  • Nil

* Death £10,000 in total

Excess Waiver

For £8.80 you can delete the standard excess. This will mean that in the event of a claim, the excess is reduced to Nil.

Medical Conditions

Staycationplan does not cover claims where at the time of booking your journey, taking out insurance or paying any further balance or instalments:

1. The insured person:

  • is aware of any set of circumstances which could reasonably have been expected to give rise to a claim; or
  • has suffered from a chronic or recurring medical condition during the previous twelve months UNLESS permission is obtained from the treating doctor of fitness to travel at the time of booking; or
  • is travelling against the advice of a doctor or medical professional such as a dentist or where they would have been if they had sought their advice before beginning the journey; or
  • knows that they will need treatment or consultation at any medical facility during the journey; or
  • is travelling for the purpose of obtaining and/or receiving any elective surgery, procedure or hospital treatment.

2. The person whose condition gives rise to a claim:

  • is receiving, or on a waiting list for treatment in a hospital or nursing home; or
  • is awaiting the results of any tests or investigations; or
  • has been given a terminal prognosis.

If the insured person has an existing medical condition for which consultation or treatment has been received during the 6 months prior to the date of issue of the policy, the excesses under Cancellation/Curtailment and Medical repatriation & other expenses are increased from £40 to £80.

Please see page 3 of the Policy Wording ‘Important – Medical Conditions’ for full details.