Here's how we're dealing with coronavirus (COVID-19)

We’re back! You can now get a new travel insurance policy with us! We’ve made some important changes to our cover for new customers and existing customers renewing with us. To find out more, please visit our coronavirus hub. Updated 14/09/2020.

So, why choose LV=?

Whether you're into teeing off or chilling by the pool, we've got your back.

Our travel cover includes...


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 (including 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.


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...

Optional extras

Feel like you've forgotten something? Check out our optional extras.


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

awards and recognition

Travel with us and you're in safe hands 

  • Defaqto 5 Star rated Premier policy 

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 this and other documents from us in Braille, large print or audio by contacting us

Now sit back, relax and start your quote