Travel Claims

In the unfortunate event of a claim, please follow our claims guide below.

View from an airplane window during flight, showcasing a clear sky with soft gradients of blue, a sea of white clouds below, and a wingtip with a red accent against the horizon, evoking the need for Travel Insurance.

In the unfortunate event of a claim, please follow the Millstream Travel claim link below. Alternatively, please contact us and we will give you guidance on how to proceed.

If you need to make a travel insurance claim, Millstream claims handlers and emergency assistance companies are here to help.

If your property has been stolen, or any other illegal activity has occurred please also contact the local police where you are traveling.

If you have been hurt or injured please seek medical assistance as soon as possible.

If you would like to find out more about Millstream Underwriting Ltd. Click below.

More information


In an emergency situation contact our 24-hour helpline:
0330 6600 758 – Press Option 1

To make a New claim or Manage an existing claim:
Complete a claim form by following the link below. You will need your policy details and details about the claim to proceed:

To contact the local police, fire or ambulance service:
In Europe: 112
In the USA: 911
In Australia: 000

To be prepared for the unexpected, you can register your itinerary for 360 Assistance in your online document wallet to receive live updates about potential situations happening where you are.

Review your policy documents

Your policy documents include full details on exactly what is covered and how we can help. Please ensure you review your policy documents and insurance schedule in detail before making a claim.

Travel Policy Millstream
Product Information Document

What you are covered for

  • Trip Cancellation/Curtailment: We cover prepaid travel and
    accommodation costs.
  • Emergency Medical Expenses: We cover medical costs during your trip.
  • Personal Accident: We pay for illness or injury expenses during your trip
  • Travel Disruption: Compensation for delays and cancellations.
  • Political Unrest/Natural Catastrophe Evacuation: Safe evacuation during crises.
  • Collision Damage Waiver: Covers car rental accident costs.
  • Winter Sports: Protects winter sports equipment and
  • Missed Departure/Connection: Covers missed flights due to
    various reasons.
  • Business Travel: Expenses for staff replacement and more.
  • Uninhabitable Accommodation: Alternative accommodation due to disasters.
  • Personal Liability: Covers damages to third parties or property.
  • Legal Expenses: Handles legal costs and representation.
  • SmartDelay Plus: Lounge access or cash for flight delays.
  • Delayed Baggage: Reimbursement for delayed baggage.
  • Loss of Passport/License Expenses: Compensation for replacements.

Making a Claim

Before making a claim please have details of:

  • Your dates and times of travel
  • The amount you’re claiming for
  • Details of any other insurance policies you have that may cover the same loss
  • Original receipts and accounts for all out of pocket expenses, bills or invoices you’ve had to pay
  • Any other information or documentation that you think is relevant to your claim

Remember, the more details you give us, the quicker we can process your claim.

Travel Claims

When you have reviewed your policy documents and are confident you have a valid claim, please follow this link to submit a new claim or manage an existing claim

You can also call Millstream’s claim handlers to discuss an existing claim – Monday to Friday 9am to 5pm on + 44 (0) 330 660 0758 selecting Option 2.

Request a callback

Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.

Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday - Friday 08:30-16:30 T: (01481) 824 100
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 710 731
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 835 383

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney