If I could give zero then that is the score I would give Staysure and their travel insurance underwriters. AVOID THEM AT ALL COSTS. Well before the Covid19 pandemic my wife had annual multi-trip travel insurance with them including Disruption Cover that I was told would cover any unexpected events. They charged extra premium for this (£650/year). She had booked a flight to visit family in Vietnam in Mar 2019 with a transit stop in Hong Kong. Vietnam banned flights from all of China in Feb 2019 that would have left my wife stranded in Hong Kong. We had to cancel the flight with the travel agent who charged £150 in administration fees for their and the airlines fees. I tried to claim this on the travel insurance. First of all the telephone numbers to get a claim form were not answered at all and one was even disconnected. Eventually I had to call their new insurances number that was picked up immediately. After getting a form that I submitted immediately it took months for them to reply and told me to approach my credit card company, travel agent, airline to get a refund!!! When I replied that I had tried this and it was futile, they took months to reply requesting why the travel agent charged admin costs. Frustrated I complained to the Financial Ombudsman Service (FOS). The FOS itself took almost 2 years to pursue my case and eventually decided in my favour and forced them to pay my claim! It has taken almost 2 years to get this result!!! Staysure will pleasantly take your money but when it comes to claim FORGET IT!! DON’T TOUCH THEM WITH A BARGEPOLE!!!