Please be aware that under Section 10 (Missed Departure) and Section 9 (Travel Disruption), there is no coverage for trips arranged or insurance taken out less than 48 hours before the intended outward journey.
Our Travel Insurance Products
We offer a wide range of travel insurance policies, through our partner Millstream, so we’ve got you covered no matter where you are in the world.
Please note we now only provide travel insurance online. Once your quote and payment are complete, you will conveniently receive your paperwork and important information via email and private portal.
Wherever you travel, we’ve got you covered
Our comprehensive annual European travel insurance for families starts from as little as £155 and includes great features as standard.
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
arrangements. - 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.
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.
Can I spread the cost by paying monthly instalments?
We offer a Premium Instalment Plan which is a credit agreement that allows you to pay your insurance policy over time. This isn’t a direct debit; rather, it’s a structured finance option, giving you the flexibility to spread payments in a way that best suits you.
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.
If my Doctor says I’m fit to travel, do I still need to tell Millstream my medical conditions?
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.
What if my flight’s delayed? How can SmartDelay Plus help me?
If your flight is delayed by more than 90 minutes, you can relax in an airport lounge. If a lounge isn’t available, you may get £25 instead.
