Why Choose Hepburns Bespoke Travel Insurance?
Travel encompasses more than just moving from place to place; it’s an integral part of your lifestyle. This is why Hepburns’ Single trip and bespoke annual travel insurance caters specifically to high-net-worth individuals with distinct travel requirements. Whether it’s luxury getaways or business journeys, this policy perfectly aligns with your needs.
Key Benefits:
Tailored Travel Insurance:
Designed for affluent clients up to 75 years old, providing a range of coverage options.
Student Cover
Ensures dependent children up to age 25 (if in full-time education) are protected, even during travel between home and their educational institution within Europe.
High-Value Baggage Insurance
Coverage for personal belongings up to £1,500. For high-value items, please consult with one of our relationship managers about potential portfolio solutions that may be included in another policy you have.
Winter Sports Coverage
Millstream automatically includes this in your policy.
Golf Club Travel Protection
Optional cover for golf equipment, up to £1,500, catering to golfing holidays and tournament travel.
SmartDelay Plus
Enjoy complimentary access to airport lounges in the event of a registered flight delay, or receive a £25 cash benefit if a lounge is unavailable. Perfect for maintaining comfort and luxury even when plans change unexpectedly.
Bespoke Travel Insurance: What’s Covered?
Our insurance is available as Single Trip or Bespoke Annual Multi-Trip plans, both including essential coverage for emergencies, cancellations, and belongings. Here’s a summary:
| Coverage Feature | Single Trip | Bespoke Annual Multi-Trip |
|---|---|---|
| Trip Cancellation & Curtailment | Up to £5,000 (Option to increase to £7,500) | Up to £15,000 |
| Emergency Medical Expenses | Up to £10 million | Up to £10 million |
| Personal Accident Compensation | Up to £25,000 | Up to £50,000 |
| Golf Equipment Coverage | Optional | Optional |
| Winter Sports & Golf Equipment Coverage | Included | Included |
| Personal Belongings Cover | Up to £2,500* | Up to £3,500* |
| Medical Repatriation | Up to £10 million | Up to £10 million |
| Baggage Delay & Lost Items | Up to £150 per person | Up to £250 per person |
| Missed Departure/Connection | £1,000 | £1,500 |
| Business Travel Coverage | Included | Included |
| SmartDelay Plus | Included | Included |
Unsure which is right for you?
- Single Trip: Ideal for luxury escapes, providing protection for up to 85 years of age.
- Bespoke Annual Multi-Trip: Made for Channel Islands residents who frequently travel on luxury getaways. It covers multiple trips throughout the year and is available for residents up to 75 years old.
*item and category limits apply
Global Medical Coverage, Wherever You Are
Emergency medical support and evacuations are included, ensuring immediate care in emergencies.
Note: This is not a private health insurance policy. Private treatment is only given if public healthcare isn’t available. We may transfer you from private to public facilities if needed. For more medical needs, your relationship manager can suggest other policies that might suit you better.
Business Travel for High Net Worth Individuals
- Automatic Business Coverage: Business travel is included in Millstream’s policies, making them ideal for executives and entrepreneurs.
- Document & Equipment Protection: Covers essential items for your business travel, including documents and electronics.
- Staff Replacement: We arrange for associates to travel if you cannot attend a pre-arranged business event.
Travel Insurance for Your Valuables
Ensure the protection of your valuables, with options to extend coverage for luxury items and personal belongings.
- High-Value Baggage Insurance: Coverage up to £1,500, with potential for additional portfolio solutions through your relationship manager.
- Golf Club Travel Protection: Optional protection for golf clubs and gear, safeguarding them on and off the course.
SmartDelay Plus: Airport Lounge Access During Delays
Enjoy the comfort of airport lounge access if your registered flight is delayed, or receive a £25 benefit if a lounge is unavailable. Flights must be registered 24 hours before departure to activate this benefit.
Student Cover for Dependants
For affluent clients with children in higher education, Student Cover provides peace of mind for dependents traveling between their educational institutions and home within Europe, extending protection while maintaining focus on their safety.
Travel Management for Channel Island Travellers
Millstream’s self-service portal offers seamless policy management for residents of Jersey, Guernsey, and Alderney:
Through Our Portal, You Can:
- Access Your Policy 24/7: View and manage policy details or update them as needed.
- Submit Claims Instantly: File claims and track progress through an easy-to-use online portal.
- Dedicated Support: Contact our Hepburns team for assistance anytime. For emergencies, Millstream’s claims line is available 24/7.
Your World, Under Our Wing
Wherever your travels take you whether on a luxury cruise, a golf holiday, or a business trip, Hepburns offers luxury travel insurance for those who value excellence.