Any condition for which you have received treatment, advice, or medication (including repeat medication) within the 12 months prior to purchasing your policy. 

Medical declaration requirements depend on the condition and the current Policy Wording.

Some specified conditions may be covered without medical screening where the applicable requirements are met. Other pre-existing medical conditions must be declared and accepted where required, and an additional premium or special terms may apply.

Always answer the medical questions accurately and complete medical screening where required.

Find out more about Travel Insurance for Pre-existing Medical Conditions.

Cover may be available for a range of pre-existing medical conditions.

Depending on the condition and current Policy Wording, medical screening may be required. Where screening is required, each traveller’s circumstances are considered individually and an additional premium or special terms may apply.

Make sure you provide complete and accurate medical information when required, as failing to do so could affect your cover or a claim.

Read more about Pre-existing Medical Conditions Travel Insurance.

You (or your representative) should call an ambulance using the local equivalent of a 999 number, or alternatively by dialing 112 within the EU, and then contact the Emergency Assistance Team.

Millstream Contact Details

For Policies Underwritten by Millstream / issued on or after 14 October 2021

Emergency Medical Assistance Service for assistance / advice:

+44 (0)330 660 0785

You should request to go to the nearest public or state medical facility. If travelling in a country where your EHIC or GHIC is accepted, you should present your card where appropriate.

IMPORTANT: The policy does not provide cover for private healthcare.

Some hotels may encourage travellers to seek private treatment. However, private facilities vary considerably and may not necessarily be equipped to deal with all emergencies. They may also charge significantly higher fees.

Yes. Maximum age limits vary depending on the type of policy:

• Single Trip Travel Insurance: available to eligible travellers up to age 99.
• Annual Multi-Trip Travel Insurance: available to eligible travellers up to age 85.
• Longstay Travel Insurance: available to eligible travellers aged 64 or under at the time of purchase.

If you are aged 65 or over, our Travel Insurance for Over 65s page explains the Single Trip and Annual Multi-Trip options that may be available to you.

Terms and eligibility requirements apply.

Yes. Being aged 65 or over does not automatically prevent you from getting Covered2Go Travel Insurance.

Single Trip Travel Insurance is available to eligible travellers up to age 99, while Annual Multi-Trip Travel Insurance is available to eligible travellers up to age 85.

Covered2Go Longstay Travel Insurance has a maximum purchase age of 64, so travellers aged 65 or over who are planning one longer holiday may wish to consider Single Trip cover instead.

Visit our Travel Insurance for Over 65s page for more information.

Yes. Covered2Go Annual Multi-Trip Travel Insurance provides cover for multiple eligible holidays during a 12-month policy period.

Each individual trip can last up to 31 days as standard, with optional extensions to 45 or 60 days available for an additional premium.

Annual Multi-Trip cover is available to eligible travellers up to age 85. Terms, conditions and eligibility requirements apply.

Yes. Covered2Go Group Travel Insurance can cover up to 14 adult travellers travelling together.

Group cover can be arranged on either a Single Trip or Longstay policy, subject to the eligibility requirements of the policy selected. The adults travelling together do not need to be related.

If your group contains more than 14 adult travellers, please contact us to discuss your requirements.

Yes. Covered2Go Family Travel Insurance can cover eligible adults and dependent children together on one policy.

Family cover is available on Single Trip, Annual Multi-Trip and Longstay policies, subject to eligibility.

Family cover can include two adults who are spouses or cohabiting partners and unlimited financially dependent children aged under 23 who meet the applicable eligibility requirements. Single-parent family cover is also available.

Yes. Eligible dependent children can be included at no additional cost on Covered2Go Family Travel Insurance, subject to the policy terms and eligibility requirements.

Dependent children must be under 23, financially dependent, living at home and in full-time education.

Yes. All Covered2Go travel insurance policies contain terms, conditions and exclusions.

These vary depending on the policy, cover level and any optional cover selected.

Please read the applicable Covered2Go Policy Wording and your Certificate of Insurance to understand what is and is not covered.

You must select the appropriate Winter Sports activity of your choice from within Sports and Activity Levels 3 or 4.

Covered activities can include:

• Skiing – cross-country/Nordic skiing on marked trails
• Snowblading
• Snowboarding
• Tobogganing
• Ice-skating
• Sleigh riding

Depending on the applicable policy terms, Winter Sports Cover can also provide protection for circumstances including:

• Damage, loss or theft of personal or hired winter sports equipment
• Replacement equipment hire
• Piste closure

Please check the applicable Policy Wording for full cover limits, conditions and exclusions.

When you buy a policy, we will send you an email confirming your purchase of cover. Some email providers may place automated confirmation emails in Spam or Junk folders, so please check these if you cannot see your confirmation.

You can also view your documents within the Customer Hub section of our website.

Alternatively, please contact us and we can look into this for you.

Please email enquiries@covered2go.co.uk with full details of the changes required. It is our aim to respond within 48 hours.

You can upgrade your existing policy using the Customer Hub, or by contacting a member of our Customer Care Centre.

Email: enquiries@covered2go.co.uk

Telephone: 0333 400 7745

Our team is available Monday to Friday, 9am–5.30pm.

It may be possible to extend an existing Covered2Go policy if your travel plans change while you are abroad.

Any extension is subject to the circumstances, policy eligibility and approval by our underwriters.

Please contact our After Sales Team on 0333 400 7745 before your existing policy expires to discuss whether an extension is available.

For policies underwritten by Millstream / issued on or after 14 October 2021:

The quickest and easiest way to make a claim on your Covered2Go Travel Insurance is online.

You can submit a claim online, upload supporting documents and save your progress to complete your claim later.

Make a Claim Online

Alternatively, you can contact the Claims Service:

Email: claims@mstream.co.uk
Telephone: 0330 660 0785

If you need to send additional details or supporting documents, please contact the Claims Team:

Email: claims@mstream.co.uk
Telephone: 0330 660 0785

Cover may be available where the Personal Money section is included under your policy.

There is a sub-limit within the Personal Money section for cash. Please refer to the Policy Wording for the applicable cover limits, terms and exclusions.

Travel insurance is not always mandatory, although some destinations may require evidence of appropriate insurance for entry.

Even where it is not compulsory, travel insurance can help protect you financially against certain unexpected events before or during your trip, subject to the terms and conditions of your policy.

Covered2Go can provide travel insurance for a wide range of destinations, provided you select the appropriate geographical area of cover and your destination meets the policy requirements.

You should always check the latest UK Foreign Travel Advice before travelling, as cover may be affected where official advice is issued against travel to your destination.

Yes. A GHIC or EHIC is not a replacement for travel insurance.

A valid GHIC or EHIC may provide access to medically necessary state healthcare in certain countries on the same basis as a resident of that country, but it does not provide the same protection as travel insurance.

For example, a GHIC or EHIC does not provide cover for things such as cancellation, lost or stolen belongings or medically necessary repatriation to the UK.

It can therefore be important to travel with both appropriate travel insurance and a valid GHIC or EHIC where applicable.

Find out more in our EHIC and GHIC information guide.

Yes. Our policies provide cover for irrecoverable sums paid prior to the Financial Failure of your transport, accommodation or holiday provider, subject to the applicable policy terms and conditions.

Cover can also be provided for additional pro-rata costs to replace travel arrangements in the event of Financial Failure after your departure.

Please check the applicable Policy Wording for full details.

As is consistent with the treatment of medical conditions under the policy, the policy does not intend to cover the normal costs or financial losses otherwise associated with pregnancy, including multiple pregnancy, or childbirth.

This includes, but is not limited to, delivery by caesarean section or another medically or surgically assisted delivery which does not cause medical complications.

The policy does, however, provide cover where complications arise with your pregnancy due to accidental bodily injury or unexpected illness occurring while on your trip, excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery.

Please refer to the Policy Wording for the full terms, conditions and exclusions.

Cover is available for strikes under the Travel Disruption and Missed Departure sections of our policies, subject to the applicable policy terms and conditions.

Travel Disruption: Cover may apply where an unexpected strike leads to your arrival at your destination or return journey being delayed for more than 12 hours, or where you choose to abandon your trip if your travel carrier cannot get you to your destination within 24 hours.

Missed Departure: Cover may apply for reasonable additional accommodation and public transport expenses incurred in reaching your destination if you fail to arrive at your departure point in time to board your public transport due to strikes.

Please check your Policy Wording for the full terms, limits and exclusions.

Your Insurance Certificate contains important details about your policy, including emergency contact information that you may need while abroad.

You should also check the entry requirements for the country you intend to visit, as additional documentation may be required.

Check the latest requirements using the UK Foreign Travel Advice.