Travel Insurance
Our Travel Insurance Options
Whatever your plans, we’ve got a policy to match – and we consider all medical conditions too.
Single Trip Insurance
Provides cover for a single trip lasting up to 365 days*
Cover for trips of any duration, in the UK or worldwide*
Cover available for all ages up to 79*
Annual Multi-Trip Insurance
Travel as often as you like for a whole year*
Travel longer: up to 60 days per trip (18–64) or 31 days (65–74)*
Cover available for all ages up to 74*
Added Protection, Added Comfort
Here’s what else you get with us: SmartDelay Plus for lounge access during delays, and 360 Assistance for security updates and travel advice - simple extras for peace of mind.
360 Assistance
Our policy includes 360 Assistance, giving you online access to the latest medical, political, and security updates worldwide. From vaccination requirements and consulate contacts to travel disruption alerts on severe weather or industrial action, you’ll have the information you need at your fingertips.
Register at crisis24horizon.com/millstream/login using the activation code in your insurance schedule.
SmartDelay Plus
With SmartDelay Plus, if your registered flight is delayed by 90 minutes or more you’ll receive a QR code for instant lounge access while you wait. If no lounge is available, you’ll get £25 instead.
Flights must be registered at least 24 hours before departure. One benefit per delay.
Travelling with a Pre-existing Medical Condition
With the right cover, you can travel with peace of mind.
At Millstream, we cover most pre-existing medical conditions. Simply get a quote, declare your conditions and any prescribed medication, and we’ll do our best to help. All you need to do is make sure:
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Declare all your conditions.
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Complete the process online, anytime, in just a few steps.
If your condition is more serious and we’re unable to provide cover, you can find specialist providers in the MoneyHelper Travel Insurance Directory 🡺
Frequently asked questions
I want to do some winter sports this year, do I need to take out any additional cover?
Yes! Just make sure you’ve added the optional extra ‘Winter Sports’ to your policy – you’ll see this on your policy schedule. If it’s missing, you won’t be covered should you need to make a claim.
Is Turkey or Egypt included in Europe?
To ensure your cover applies for these destinations, please choose “Worldwide excluding USA, Canada and Caribbean.”
Do I need to declare my medical conditions? I had a couple of problems in the past.
It depends. Please let us know about any medical condition you’ve been treated for within the last 12 months. If you’d like to be certain, you can contact our medical screening team using the details in your policy documents. The team is available from 9am to 5pm, Monday to Friday.
Do I need to do anything before I travel?
Please ensure you’ve updated us about any changes to your health and checked the latest advice for your travel destination - you can do this easily via our 360 Assistance platform. Once that’s done, you can relax and enjoy your holiday.
I would like to make some changes, how can I do this?
At present, it isn’t possible to make changes through your customer account. However, you can contact our customer service team between 9am and 5pm, Monday to Friday, who will be happy to update your policy.