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Travel insurance policies vary in terms of what they cover and limits within the policy for sections such as cancellation, medical expenses, and personal belongings. 

Bruce Stevenson has partnered with travel specialists Millstream Underwriting to provide our clients with a leading combination of high levels of cover, flexible policies protecting against Covid-19 related holiday disruption and innovative features to help you relax on your journey. 

This comes in the form of the ‘Premiere’ and ‘Elite’ policies, offering 2 levels of cover to suit your needs.


• What is Included?

• Get a Quote 

• Frequently Asked Questions

• Policy Documents Download

• Related Articles


What is Included? 


Along with cover for medical emergencies, flight delay or cancellation, and lost and stolen luggage, you will also enjoy:

360 Assistance


360 Assistance Service provides online access to the latest medical, political and security situations in most countries.

Stranded Passenger


Gives access to a global network of more than 1,500 executive airport lounges should you be delayed by two hours or more. 

Mobile Documents


Immediate access to all of your travel policy documents and key telephone numbers in the easy to use mobile-friendly vault.


Further benefits include:

►  Help if you happen to lose your passport.
►  Automatic inclusion for many minor medical conditions. Including an online health screening facility with access to medically trained nurses.
►  Cover in the event of the financial failure of your chosen airline, hotel or travel company.
►  Cover in the event of your accommodation being uninhabitable.
►  Many sports are automatically included with the option to include winter sports and high-risk activities.
►  The option to include business travel, working abroad and hire car collision damage waiver.
►  We recognise that all clients have different requirements, so we offer two levels of cover, Premier and Elite. Before you obtain a quote, please read the Summary of Cover to decide which product suits you best.


We have not undertaken an assessment of your personal requirements so you will need to satisfy yourself that this policy meets your demands and needs. The Money and Pensions Service (MaPS) has launched a travel insurance directory for people with serious pre-existing medical conditions. Click here to learn more.

Frequently Asked Questions


When is the best time to buy travel insurance?     +

You should buy travel insurance as soon as you have booked your trip.

Cancellation cover starts from when you booked your trip on an Annual Multi-Trip Policy or at the date of purchasing the policy on a Single Trip Policy. To be fully covered you may need to buy the policy before booking your trip. Please read the wording and the Health Declaration before buying a policy


Can I still get cover with a pre-existing medical condition?     + 

The travel insurance policy will automatically provide cover for many minor medical conditions. These are clearly listed when you get a quotation.

If your condition is a little more severe you can self-screen by answering a few questions which will inform you straight away if you can be covered or not. In the event your condition cannot be covered, you may book a time slot for a Millstream nurse to call you to discuss your condition in more detail. There may be an extra premium to pay. However, the nurse will advise you of this and add it to your quotation premium. In the event the extra premium is over £100 or your pre-existing medical condition cannot be covered then you have the option to find a more suitable insurer who may be able to offer you cover, click this link for further information on who may be able to assist you. 


How do I make a claim?     +

The claims helpline numbers are clearly detailed in the policy document.

If you need emergency medical assistance you should call your insurer’s helpline number as soon as possible for advice and authorisation. The helpline number is usually shown on your Policy Schedule or at the front of the Policy Wording. It's vital that you keep all receipts for any treatment or medication. On your return to the UK, you will need to submit these to your insurer with a completed claim form. If something is lost or stolen you need to contact the local authorities within 24 hours and get a crime number. The crime number will be needed when you return to the UK and submit your claim. All policies have excesses and contain limits on what you can claim for so it is very important that you read the Insurance Product Information Document, Schedule and Wording before you travel. 


Policy Document Download


Bruce Stevenson Travel Insurance Product Summary breakdown of two different types of travel insurance cover


Related Articles


Things to Consider When Booking a Holiday


Staycation Insurance for Domestic Holidays


How to Get the Most Out of Your Travel Insurance


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