Enhanced Travel Insurance now with COVID-19 cover

A greater level of protection

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Islands Millstream Travel Insurance policy now includes Covid-19 cover to help you stay protected. As this situation is ongoing it is vital that you have a policy that will respond to any Covid-19 disruption to your future travel plans.

Cover is now available for:

  • Cancelling your trip: You will be covered up to the policy limits for irrecoverable cost if you have to cancel your trip because you or your travel companions become ill with Covid-19 or if you are specifically asked to quarantine, for example through the track and trace system.
  • Your trip being interrupted: You will be covered up to the policy limits if your holiday is disrupted because you or your travel companions fall ill with Covid or you are specifically asked to quarantine.
  • Emergency medical help: You and your travel companions will be covered for emergency medical assistance if you fall ill with Covid.

What is not covered

There is no cover for your trip being interrupted or for emergency medical help if you travel against the advice of the Foreign, Commonwealth & Development Office (FCDO), unless it is pre-agreed as essential by insurers.

There will be no cover for cancellation or cutting your trip short if general quarantine restrictions are put in place, for example, if your town or city is locked down or the Government or local authority are asking the general public to self-isolate when returning from a high-risk country.


If you would like a quote on the above, or to discuss the benefits of our superior Bespoke travel insurance in confidence, please do not hesitate to give our experienced professional team a call.

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Have a question about our Travel insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

I wish to book a new trip, will my policy cover me?

Your policy excludes cover if at the time of scheduled departure the FCDO advises against all but essential travel to the country to which you are travelling. On 17/03/2020, the FCDO issued advice against all but essential international travel, which remained in place until 04/07/2020, when certain countries were exempted. For a list of these countries – which is subject to change at short notice – please consult the FCDO website

I am being asked to pay the final instalments of my holiday but I am uncertain my holiday will proceed due to COVID 19.

If you have not yet made the final payment for your booked trip and your travel provider is asking you to make your payment, we suggest you proceed as follows:

  • Contact your provider to see if the date of final payment can be amended in light of the current circumstances
  • If this is not possible and you expect the trip to go ahead, then we recommend that you make your final payment as required. Your trip will still be insured.
  • If your travel provider subsequently cancels your trip, they must offer you a full refund.
  • Please be aware that your policy only covers unrecoverable If you accept an offer of credit or a voucher, this will be considered as a cash equivalent. If you require a cash refund you should insist on one from your travel provider.

We may consider cancellation claims for unrecoverable costs if the FCDO advises against all travel to your destination and:

  • You booked your trip prior to the 13/03/2020 and the FCDO directive is in force at the point of your departure.
  • You booked your trip after the 4/07/2020 to a destination that the FCDO allowed international travel and the FCDO subsequently changes it advise to restrict travel to that destination.

What if I’ve been left stranded abroad due to COVID 19?

If you travel to a country to which international travel is permitted by the FCDO, and the UK Government subsequently issues advice to return to the UK, we may consider claims for reasonable additional, unrecoverable, travel expenses for the curtailment or extension of your trip. We recommend that you:

  • Continue to liaise with your travel provider to see what options may be available
  • Continue to refer to FCDO and other websites offering advice on the potential repatriation of stranded UK nationals overseas
  • Minimise any additional costs that you incur
  • Keep receipts for your additional costs

Will I be covered if I catch Covid-19 whilst on holiday?

Yes we will provide emergency medical treatment if you should contract Covid-19 whilst on holiday. It is important that you contact the assistance team to help you get the best help for look after your medical treatment.

Will you cover me if I have had Covid-19?

We will be able to cover you if you have had Covid-19 and can meet the following criteria; have fully recovered from COVID-19 for two months or longer and; have no residual complications and; have had a period of 2 months or more from testing positive and/or the latest test is negative. If you can meet this criteria please ensure you declare this condition and answer all the questions. If you cannot meet this criteria in full, we are not able to offer cover, please return to us when you can.

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

Guernsey / Alderney / Sark