It’s important to remember that this is a Travel insurance policy, not Private Medical Insurance.  Millstream and us design the Policy cover to give emergency medical treatment, not ongoing care.  As a result, the cover is for emergency medical treatment by a state-run facility (on the same basis as A&E in the UK). However, if this is not possible, we will consider private treatment. However, we must agree on this before treatment.   We will then plan to repatriate you as quickly and safely as possible where medically necessary.