Travel insurance
Going away? Take our Defaqto 5 Star rated travel insurance with youDefaqto 5 Star rated Premier policy
Your saved travel quoteImportant Update on Single-Trip Travel Insurance
We’ve temporarily limited the activation of single-trip travel insurance policies to a maximum of 30-days in advance. This is due to planned product updates and the ongoing travel uncertainty in the Middle East. We aim to restore a longer advance activation period again as soon as possible. Annual multi-trip policies are unaffected.
We apologise for any inconvenience caused.
So, why choose LV=?
Whether you're into teeing off or chilling by the pool, we've got your back.
- Up to £10,000 cover if you have to cancel your trip, e.g. because of illness
- 24-hour helpline if you need us while you're away
- Members get 24% discount when buying your travel insurance online
COVER FEATURES
We'll deal with what could go wrong. All you need to do is remember your passport.
(And a good book, obviously.)
- We provide cover to travellers over 65 (life begins at 60, after all)
- Going in a group? No worries, we can insure up to ten people on one policy
- We offer up to £10million of emergency medical cover for foreign travel
What's not covered...
- Destinations we’ve not agreed to cover
- Claims relating to a pandemic (such as COVID-19), except where cover has been expressly stated. Find out more.
- Cancellation due to you not wishing to travel
- Pre-existing medical conditions unless we’ve agreed to cover
- Delay (Essential), or delay under 12 hours (Premier)
- Holiday cancellation due to delays (Essential)
- Refreshment costs for delays under 12 hours (Essential and Premier)
Cover Options
Big summer holiday or a multitude of mini breaks? However you travel, we've got it covered.
- Single trip: We’ll cover you for a single trip of up to 366 days if you’re under 65 years of age, or 90 days if you’re between 65 and 79 years old, or 31 days if you’re aged 80 or over
- Annual multi trip: Got a few adventures lined up? We can insure you for up to 90 days at a time
COVER LEVELS - ESSENTIAL
We offer two levels of insurance. Here's what you'll get with our Essential cover
- Up to £10 million of emergency medical cover, if you need it
- Up to £5,000 if you have to cancel your trip, cut it short, or cancel activities / excursions for a reason that wasn't your fault
- And cruise cover is included all aboard our annual policies. Happy sailing!
Cover levels - premier
Our Premier cover includes everything you get with Essential, plus...
- Cover for delays and cancellations after 24hours caused by for example, bad weather, ash clouds or strikes - the things we can’t control
- Up to £1,000 if you miss your pre-booked transport e.g. if you miss your flight because of a delayed train (it happens).
- Your cancellation cover is also boosted to £10,000
Optional extras
Feel like you've forgotten something? Check out our optional extras.
Baggage
We cover your all-important personal items. From baggage to belongings, and even your cash. You'll get...
- £3,000 (including a £500 single item limit and total valuables limit) with the Premier policy
- £2,000 (including a £300 single item limit and total valuables limit) with the Essential policy
- And finally, £500 for money, including £300 cash (on Premier and Essential policies)
Winter sports cover
Before you take off down a slope, make sure you're well protected if you land with a bump! We'll cover...
- Emergency medical expenses
- Personal accident
- Personal liability
Travel insurance with coronavirus cover
We’ve made some important changes to our cover for new customers and existing customers renewing with us.
Some examples of what we'll cover:
- Medical and repatriation costs if you become unwell with any coronavirus (such as COVID-19) or contagious disease
- If your trip or holiday has to be cancelled because you or a travelling companion are diagnosed with any coronavirus (such as COVID-19) or contagious disease and are unable to travel
- Emergency repatriation costs to bring you home if the Foreign, Commonwealth and Development Office (FCDO) impose travel restrictions (while you're at your destination), either in the UK or at your destination, and has requested you to return to the UK
Some examples of what we don't cover:
- Costs because you decided to cancel your trip or holiday if you don’t want to travel due to any coronavirus (such as COVID-19) or contagious disease
- Costs because the FCDO or public authorities have imposed travel restrictions or a lockdown
- Additional transport or accommodation costs after you left home because the FCDO imposed travel restrictions or lockdown either in the UK or at your destination.
Are you struggling to find the cover you need because of an existing medical condition?
If we can't cover your medical condition, or the premium is higher than you expected, help is still available…
The Financial Conduct Authority (FCA) have worked with firms to create a Medical Cover Firm Directory. The directory lists all the firms that may be able to provide a policy to cover your medical conditions.
You can find this directory on the Money Advice Service's website, or give them a call on 0800 138 7777. Open hours Mon - Fri 8am to 6pm.
policy documents
A little extra info never hurt anyone, have a read of our policy documents
You can get these and other documents from us in braille, large print or audio format by sending us an email at [email protected] .
Visit our accessibility page for more options.