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Travel Insurance from LV=

Get a 15% discount on our travel insurance when you buy a new policy online

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Why choose LV= Travel Insurance?

Our Travel Product offers two policies, Essential and Premier - both offer the following key benefits for UK, European or Worldwide travel:

  • Up to £10m cover for emergency medical expenses
  • Up to £5,000 if you need to cancel your trip before you travel due to unexpected illness
  • No upper age limit on single trip policies & cover up to 79 years of age for annual multi-trip policies
  • Cover for pre-existing medical conditions may be provided
  • Ability to add up to 10 people on the same policy even if you don’t all live at the same address – ideal for families and groups of friends
  • Cover for one person to stay or travel with you if medically necessary when on a trip

With Premier cover you get the extra reassurance of:

  • Cover if the actual provider of your transport, accommodation or excursion goes bust before or during your trip
  • Cover to get you to your destination if you miss your departure for example because your pre-booked transport doesn't run to time or snow prevents transport running
  • If your transport is delayed for more than 24 hours or cancelled and no alternative can be found you can choose to either cancel your trip or can claim for additional travel and accommodation costs to get you to your destination

The table below shows some of the limits of cover in our Essential and Premier policies:

 

Essential
(max limit)

Premier
(max limit)

Cancelling your trip before you travel

£5,000

£5,000

Cancellation / abandonment after delays

X

£5,000

Additional transport & accommodation costs

X

£1,000

Delay at your departure point

X

£250

Bankruptcy of travel provider

X

£5,000

Maximum trip length on annual multi trip policies

31 days

90 days

Emergency medical expenses

£10m

£10m

Cancelling excursions or activities while on your trip

£5,000

£5,000

Cutting short/cancelling your trip after you've travelled

£5,000

£5,000

Personal liability

£2m

£2m

Personal accident

£25,000

£25,000

Legal advice & expenses (up to £50,000 per cover)

£25,000

£25,000

Activities included

Standard only

Adventure & standard


Optional extra cover available:

Winter Sports

Winter sport optional cover
More information and optional winter sports cover

Baggage/personal belongings & money

Loss of travel money or personal possessions optional extra cover
More information about optional cover for personal possessions and money

Frequently asked questions

What is the maximum age you insure?


Our annual multi-trip policy is available for purchase by anyone who is over 16 years and under 80 years of age. Our single trip policy is available for purchase by anyone over 16 years of age - there is no upper age limit on our single trip policy.

If you're under 65 years of age, our single trip policy can cover you for up to 366 days. If you're 65 years of age or over, our single trip policy can cover you for up to 90 days.

These age limits and policy restrictions apply to both Essential and Premier levels of cover.


Do you cover pre-existing medical conditions?


Cover for pre-existing medical conditions isn't automatic but can be selected. If cover is needed, all medical conditions for everyone named on the policy must be disclosed. If we’re unable to provide cover for anyone’s specific conditions these will be shown as removed from cover in the endorsement sections of your policy schedule.

We may charge you for providing cover for pre-existing conditions. To remove any confusion at the point of claim, we’ll either be able to provide cover for all of a person’s pre-existing conditions or none of them. This means we won’t cover some conditions and not others. For this reason it is very important that we're told of all conditions (for everyone on the policy), including symptoms and any investigations. If we're unable to cover a person’s pre-existing conditions the premium will reflect that this cover has been removed.


How do I know if my pre-existing conditions have been covered?


Your policy schedule will show the medical information that you've declared about your pre-existing conditions. If we're unable to provide cover for these conditions it will be shown as endorsements that will explain that there is no cover in any way related to the pre-existing conditions or symptoms.


Ask your your own travel insurance related question with our interactive FAQs

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