Existing Customers

You can contact Millstream at:

• Claims and Assistance Helpline:+44 (0)330 660 0758
• Travel Customer Services: +44 (0)330 660 0758
• Medical Screening Service: +44 (0)330 660 0758

For more details, log in to your portal.

To get SmartDelay Plus benefits, register your flight on Millstream’s portal before you travel.

If you disclose medical conditions when getting a new quote, the cost will be included in your total premium when you buy the policy.

If your health changes later, you might need to pay an extra premium.

Yes, you may still need to tell Millstream about your medical conditions.

Millstream has a set of questions to determine whether you need to declare your conditions. Some conditions are automatically covered at no extra cost, and you can find the full list in the Medical Conditions section of the policy wording.

Keep in mind that Millstream only covers conditions that have been fully diagnosed by a medical professional.

This policy does not cover claims under Cancellation (Section 1) or Curtailment (Section 2) if they relate to a pre-existing medical condition of:

• A travel companion who is not insured under this policy.
• An immediate relative who is not traveling and not insured under this policy.
• A close business associate.
• Someone you plan to stay with during your trip.

If you knew about their medical condition when you booked your trip or took out this policy, any related claims won’t be covered.

Millstream covers a wide range of sports and activities. Some are included for free (Levels 1-3), while others (Level 4) require an extra fee.

For a full list of covered sports, check the Millstream Policy Wording. Click here to find out more.

Your cover applies to the areas you selected when getting your quote. You can find these details in your Policy Schedule.

However, there’s no cover if you travel to a destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all or non-essential travel. If you’re unsure, check www.gov.uk/fcdo before you go.

The policy will pay reasonable additional travelling expenses if you must shorten your holiday because of the following:

• An accident, severe illness, death of a travelling companion, an immediate relative or close business associate.
• Your home or place of business being made uninhabitable or where Police have asked your attendance following a theft.

Please remember to inform Milstream of any reasons your trip can be cut short.

Yes, valuables like jewellery, watches, glasses, cameras, and laptops are covered under baggage and personal effects on Prestige and Single Trip policies.

Millstream offers different cover limits for total valuables and single items, so make sure to choose the right level when getting your quote.

Remember, you must take care of your belongings. Cover won’t apply if valuables are left unattended unless they’re in a locked safe or safety deposit box.

No, Millstream’s policies don’t cover airline or tour operator financial failure. This type of cover isn’t included in their policies.

Yes, you can cancel your policy within 14 days of receiving it for a refund.

However, if you travel, make a claim, or plan to make a claim during this period, Millstream may deduct any costs for services you’ve used.

If you cancel after 14 days, you won’t get a refund.