Millstream Travel Insurance Review

Millstream Travel Insurance Review

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With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of Millstream Underwriting Ltd and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Millstream Travel Insurance

Review of Millstream Travel Insurance updated 29th March 2021: by Jonathan Upton

Millstream underwriting formed in 1999 specialise in underwriting accident and health products. As well as developing wholesale products for other companies, they have launched their own travel insurance scheme available direct to the general public.

They offer packages tailored to the regular traveller or backpacker and for one off trips.

How to Buy Travel Insurance from Millstream Underwriting Ltd

Click on the website link to go directly to the insurance providers website. Visit Millstream Underwriting Ltd's Website and Get a Quotation direct

How Millstream Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Millstream Underwriting Ltd.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Millstream Travel Insurance. They are - Single Trip. We have rated these as follows:-

Rating for Single Trip Single Trip:

Millstream Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Millstream Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from Millstream Travel Insurance. They are - Annual. We have rated these as follows:-

Rating for Annual Annual:

Millstream Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Millstream Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about Millstream Underwriting Ltd's policy wording

1. What is the age/classification of a child on the policy?

In this instance, children are classed as those persons financially dependent on you, under the age of 23 and in full time education.

2. What are the policy age limits?

Single Trip policies have an age limit of up to 79 years.

Annual Multi trip policies have an age limit of up to 74 years.

3. What are the policy Trip Duration limits?

A single trip policy may be taken out for up to 365 days, provided you are under the age of 40. A single trip policy may be taken out for up to 120, provided you are under the age of 70. A single trip policy may be taken out for up to 31 days provided you are under the age of 80.

Annual travel policies restrict the maximum number of days per individual trip to 31 days up to the age of 74 and a maximum of 60 days up to the age of 64.

4. What is classed as a family and how many people can be quoted for?

A Millstream policy can be taken out by a single person, a couple or a single or two parent family and up to four children. (If you have more than four children, you will need to contact the company direct for terms).

5. What are the options for Gadget Cover?

Under the baggage section of the policy valuables do include items such as mobile phones, laptops, tablet devices etc, however the maximum overall limits for valuables is low at a maximum of £500 and there is unfortunately no option to increase this cover.

6. What are the options for Cruise Cover?

There is no specific option to include cover for cruises, however the standard policy does provide cover for additional travel expenses you may incur for you to reach the next port or reach the final destination of your cruise, following temporary illness, or injury requiring hospital treatment on dry land.

7. What are the options for Winter Sports cover?

Winter Sports is available as an optional extra, on both the single trip policy (for the duration of the trip) and the multi trip policy (up to 17 days). However rather than tick a specific box to include winter sports, instead you are required to add the Level 3 or Level 4 Sports and Activities package, depending on the winter sports activities you plan on doing whilst abroad.

For example level 3 covers you for skiing and snowboarding on or off-piste within the resort boundaries, but if you wanted to ski or snowboard in the back country or outside the resort boundaries, or take part in alpine ski touring, you would need to add the Level 4 package.

We strongly recommend thinking carefully about the types of activities you plan on taking part in and make sure you have the right level of cover to match and that you take not of specific terms, conditions and requirements of the policy.

8. What is covered under Sports and Activities on the policy?

Sports and Activities are split into four levels. Level 1 is automatically included under the policy. It covers over 110 different past times including but not limited to White water rafting up to grade 3, Swimming, snorkelling and scuba diving down to 30 metres (provided you are not diving solo and you are qualified down to this depth).

Levels 2, 3 & 4 are paid options. They include activities such as Water Skiing (level 2), Mountain Biking (level 3) and hiking up to 6,000 metres on recognised routes (level 4).

We recommend you think carefully about the types of activities you are planning to make sure you are accurately covered and that you have complied with any additional terms and conditions that may be required.

9. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Single trip policies automatically cover business travel and non manual work abroad, such as clerical or administrative work, working as a classroom teacher, or assistant, au pair, nanny, or retail or bar and hospitality work, involving light duties only. If you require an annual policy, this can be included as a paid option.

If you wish to carry out manual work, this can also be included as a paid option under both types of policies.

Manual work is however defined as general work not involving the use of mechanical or industrial machinery (other than handheld power tools), at a height not exceeding 2 metres. Millstream will not cover offshore work, ski or diving instructors, trekking guides, where ropes or other specialist climbing equipment is involved, work with dangerous animals or work involving hazardous activities.

10. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The policy states that if travelling to a country in the European Union you should obtain a European Health Insurance Card. If you are travelling to Australia and require medical treatment, you must enrol in medicare.

11. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Apart from a few minor ailments (listed in the policy wording) if you have suffered or received treatment, advice or medication for any chronic, ongoing or recurring illness or condition in the last twelve months, you are waiting for results or test/investigations or awaiting referral for an existing medical condition, you are required to declare the condition.

The good news is that any medical condition can be declared and quoted for at the same time as you obtain quotes for travel insurance, without the need to phone up any medical screening centre.

12. What are the policy rules on travelling when pregnant?

Treatment for the normal costs related to pregnancy are not covered under the policy. However if complications arise with your pregnancy due to accidental bodily injury or illness, which occurs whilst you are on your trip, then the policy will provide cover. Note that any costs incurred 12 weeks prior and 12 weeks after the estimated date of delivery are not covered.

13. What are the policy Alcohol Exclusion terms?

Claims that arise as a result of alcohol are excluded, but the policy does give guidance. They don't expect you to avoid alcohol but you shouldn't drink so much that your judgement and faculties become impaired or are seriously affected causing you to make a claim.

14. Does the policy cover Scheduled Airline Failure or Financial Failure?

The policy provides automatic cover against Financial Failure (including scheduled airlines)

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

The policy covers reasonable costs and expenses incurred to move the insured to the nearest place of safety, caused by a natural catastrophe, or political unrest.

16. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

You must be able to provide an original receipt, valuation or some other proof of ownership, for any item you are claiming for over the value of £50. If you are unable to provide satisfactory proof, the item will not be covered under the policy.

17. What does the policy cover in the event of war, terrorism or cyber attack?

The policy excludes claims caused by terrorist activities with the exception of emergency medical expenses and personal accident claims.

18. Do I have to be a UK resident to be covered under this policy?

Cover is only available to persons resident in the United Kingdom

19. What about the Policy Wording?

The Millstream policy is 41 pages long. Whilst at first glance it appears a bit wordy, in fact the layout is straightforward. The index page, table of benefits, emergency contact numbers are all where they should be. The explanations of each section of cover are clearly labelled and fairly easy to understand.

20. Are they on Comparison sites such as Confused.com or CompareTheMarket.com?

Millstream Travel Insurance is not available on any comparison website. You need to visit the Millstream website direct.

21. Overall Summary

We have given this policy a four star rating because some of the sums insured and the standard excess are not quite on a par with the 5 star policies.

However we would still rate this as an excellent policy with many additional benefits, including the 360 assistance and stranded passenger as well as Financial Failure Protection.

If there is one negative it's the lack of helpful information on the website, unless you jump right in to get a quote. There are no frequently asked questions or information on the policy itself, or the benefits of taking out their cover.

Millstream Underwriting Ltd's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on millstream-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Millstream compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Millstream Policies

We've highlighted Pro's and Cons for Millstream, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Millstream Underwriting Ltd.

  • Persons under the age of 23 in full time education are classed as children under a family policy
  • Financial Failure Protection as standard
  • Natural Catastrophe and Civil unrest covered as standard
  • The benefit of 360 Assistance and Standard Passenger
  • Cancellation Limit can be extended to £10,000
  • Lack of helpful information on the website

What Cover do Millstream policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Single Trip

    Single Trip

    Annual

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    5,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    750

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    5,000

    5,000

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    300

    300

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    50,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    750

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,000

    1,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    100

    100

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    5,000

    5,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    5,000

    5,000

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    50,000

    50,000

  • Mugging
    Mugging Explanation
    Cover Type Icon

    1,000

    1,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    300

    300

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    Y

    Y

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

Sample Quotes from Millstream Underwriting Ltd.

We are currently Awaiting Details of quotes for this provider.

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