Why Choose Millstream's Travel Insurance?
When you live in the Channel Islands, travel is part of everyday life. Millstream has travel insurance to match how you travel, from short city breaks to long family holidays.
Made for Islanders
Built around how people in Jersey, Guernsey, and Alderney actually travel.
Choice of Cover
Pick a one-off policy or get year-round protection.
Trusted Provider
Policies come from Millstream, backed by global insurer Allianz.
What’s Included
What’s Not Covered
What’s Covered and Which Option’s Right for You
Millstream offers two types of cover:
- Single Trip – for one-off holidays or longer adventures
- Annual Multi-Trip – for anyone who travels several times a year
Here’s what both options include and what makes them different:
| What’s Covered | Single Trip | Annual Multi-Trip |
|---|---|---|
| Trip Cancellation & Curtailment | Up to £5,000 (Option to increase to £7,500) | Up to £5,000 (Option to increase to £7,500) |
| Emergency Medical Expenses (Including repatriation) | Up to £10 million | Up to £10 million |
| Personal Accident Compensation | Up to £25,000 | Up to £25,000 |
| Golf Equipment Coverage | Optional | Optional |
| Personal Belongings Cover | Up to £2,500 total (Item and category limits apply) | Up to £2,500 total (Item and category limits apply) |
| Baggage Delay | Up to £150 per person | Up to £150 per person |
| Winter Sports Cover | Included | Included |
| Business Travel Coverage | Included | Included |
| SmartDelay Plus (Lounge Access) | Included if outbound flight is delayed 1.5 hours | Included if outbound flight is delayed 1.5 hours |
| Max Length per Trip | Up to 180 days | Up to 90 days per trip |
| Age Limit | Up to 85 | Up to 75 |
Which one’s right for you?
Single Trip: Ideal for one-off holidays or longer breaks (up to 180 days). Available up to age 85.
Annual Multi-Trip: Best for frequent travellers (trips up to 90 days). Available up to age 75.
Want the full details?
You can download the policy documents here and refer to them at any time.
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
FAQs
Have a question about our travel insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
How can I contact Millstream?
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.
How does Millstream determine eligibility for SmartDelay Plus?
To qualify for SmartDelay Plus, you must register your flight on Millstream’s portal in time. They track delays live to make sure you get the right benefits when needed.
What doesn’t SmartDelay Plus cover?
SmartDelay Plus doesn’t cover everything. The best way to know what’s included is to check Millstream’s terms and conditions. Click this link to find out more
Will a disclosure in the initial health screening affect my insurance cost?
Yes, it might. If you disclose a health condition during the screening, Millstream will review it in more detail. This could affect the cost of your insurance.
What about the medical conditions of someone not insured by this policy?
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.
What documents will I receive when I purchase my policy?
After buying your policy, you’ll need to register on Millstream’s portal. They’ll send you an email with steps to complete your registration.
Once logged in, you’ll find these documents:
- Policy Schedule
- Medical Endorsement (if required) – this lists your declared medical conditions and the answers you provided.
- Policy Wording
- Insurance Product Information Document (IPID)
Make sure all details in your Medical Endorsement are correct. If anything is wrong, or if you need help, contact the Travel Customer Service Team:
- Telephone: 0330 660 0563 (Monday-Friday, 9 AM – 5 PM)
- Email: admin@mstream.co.uk
What sports and activities are included?
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.
Where am I allowed to travel to?
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.
Will this policy cover private healthcare?
This policy is travel insurance, not private medical insurance. It covers emergency medical treatment, not ongoing care.
Treatment is usually given at a state-run facility, like A&E in the UK. But if that’s not possible, private treatment may be covered – if Millstream approves it first.
If needed, Millstream will arrange to bring you home as soon as it’s safe.