Travel insurance

Going on holiday? Take our Defaqto 5 Star rated travel insurance with you*

*Defaqto 5 Star rated Premier policy

Get a travel quoteYour saved travel quote

Have your travel plans been impacted by the recent travel disruption?

 

So, what does our travel insurance cover?

Choose from our essential or premier policies to find the cover for you.

A multi-trip UK-only travel insurance which includes Covid cancellation cover and a reasonable price

Our essential policy includes all of this as standard:

  • A 15% discount when you buy our travel insurance online
  • Up to £10million emergency medical cover
  • Travel insurance with coronavirus cover
    We'll cover your medical and repatriation costs if you fall ill with coronavirus (COVID-19). Find out what's covered with our coronavirus cover
  • Up to £5,000 holiday cancellation cover
    If you have to cancel your holiday, cut it short or cancel any activities/excursions for a reason that wasn't your fault e.g. due to illness
  • No upper age limit on single trips
    We provide cover to travellers over 65 
  • 24-hour helpline if you need us while you’re away
    You can also make a claim 24/7 online 
  • Group and family travel insurance
    We'll insure up to ten people on one policy 
  • All pre-existing medical conditions considered
    Including diabetes and high blood pressure. Just tell us when you take out your policy
  • Cruise cover included as standard
    With our annual policies. Happy sailing!

    If you choose our Defaqto 5 Star rated Premier policy you'll get all of the above plus all of this:
  • Cover for delays and cancellations after 24 hours
    Including bad weather, terrorism, drones, ash clouds or strikes – all the things we can’t control
  • Up to £1,000 if you miss your pre-booked transport
    Like missing your flight because of a delayed train (it happens!)
  • Up to £10,000 cancellation cover
    If you have to cancel your holiday, cut it short or cancel activities/excursions for a reason that wasn't your fault e.g. due to illness

A multi-trip UK-only travel insurance which includes Covid cancellation cover and a reasonable price

Travel insurance with coronavirus cover

Our travel insurance includes some cover for coronavirus as standard..

Some examples of what we'll cover:

  • Medical and repatriation costs if you become unwell with any coronavirus (including COVID-19) or contagious disease
  • If your trip has to be cancelled because you or a travelling companion are diagnosed with any coronavirus (including Covid-19) or contagious disease and are too unwell 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 (including 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.

However you like to holiday, we've got travel insurance policies and a range of cover options to suit you

Single trip travel insurance

This cover is ideal if you're only going away once this year. We’ll cover you for a single trip of up to: 366 days if you’re under 65 years of age, 90 days if you’re between 65 and 79 years old and 31 days if you’re aged 80 or over.

Annual multi trip travel insurance

Fancy a few mini breaks? So do we! This cover is ideal if you're going away twice or more this year. We'll cover you for up to 90 days away at a time and it may even save you time and money. So, grab the calendar and get planning!

Family and group travel insurance

Going in a group or as a family? We'll cover up to ten people per travel policy and we'll even treat you to a 15% online discount. So all you need to do is decide who to invite!

Winter sports and ski cover

Hitting the slopes? If you add our winter sports and ski cover as an optional extra to your travel insurance, you can enjoy skiing, snowboarding, sledging and more! 

Cruise cover

We actually include cruise cover as standard on our annual multi-trip policy, but we can add cruise cover to your single trip policy too if you only need cover for a one off. Sea legs at the ready? All aboard!

Baggage cover

You can relax knowing your baggage, belongings and cash are covered for damage or theft. Off on a golfing holiday? We'll cover your golf clubs or hired equipment too! So, what time's tee off?

Long stay travel insurance

Whether you're off on a round-the-world adventure or spending winter in the sun, long stay travel insurance covers you for up to 12 months.

Staycation insurance

Cover in case your holiday is cancelled, your baggage is stolen or you're too unwell to get home. You'll also be covered for accidental damage or injury to people or property.

Travel insurance with medical conditions

To make sure you get the cover you need, you'll need to let us know about any existing medical condition when you set up your policy.

See how our travel insurance compares

Travel insurance provider LV= Admiral  Post Office Money Direct Line   Staysure
Level of cover used for comparison Premier
Platinum
Premier
 Annual Comprehensive
Defaqto 5-Star rated yes yes
yes  yes yes 
Online discount available 15% Not stated on website

Not stated on website 

 20% Not stated on website
Cancellation limit Up to £10k Up to £5k Up to £5k  Up to £5k Up to £5k
Personal liability excess £0 £50 £50 £0 injury/£50 property
 £65
Lost passport (max sum insured) £500 (when baggage is included) £500 £500  £500 £500

Find out what you’re covered for with our essential and premier travel insurance policies:

Section of cover Essential policy max limit per person Premier policy max limit per person Excess per claim
Cancellation / abandonment after delays
No £10,000 £90
Additional transport and accommodation costs No
£1,000 No
Delay at your departure point (Limit for each 12 hours of delay) No
£250
(£25)
No
Bankruptcy of travel provider No £10,000 No
Activities included
Standard only Adventure and standard N/A 
Maximum trip length on annual multi trip policies (age restrictions apply) 31 days 90 days No
Cancelling your trip before you travel, eg due to illness
£5,000 £10,000 £90
Cancelling excursions or activities while on your trip, eg due to illness £5,000 £10,000 £90
Cutting short/cancelling your trip after you've travelled, eg due to illness  £5,000 £10,000 £90
Emergency medical expenses (excluding UK cover)  £10 million £90
Personal liability £2 million  No
Personal accident £25,000  No
Legal advice & expenses (up to £50,000 per policy) £25,000  No

More about LV= travel insurance

Travel insurance FAQs

How much will travel insurance cost?

Many factors can affect the price you pay.  Remember, sometimes the cheapest travel insurance may not offer the most comprehensive cover. Here's what we take into account: 

  • Where you're travelling to. If you're going abroad, you'll likely need to pay a bit more for your cover than if you're caravanning in Cardiff.
  • How long you're going for. When you go on longer holidays, your travel insurance is likely to be more expensive. 
  • Who you're travelling with. Insurers will consider the age and medical history of everyone in your group.
  • Medical conditions. You're likely to pay less for your insurance if you don't have a medical condition.
  • What activities you'll be doing. It normally costs a bit more to cover certain activities - like skiing and other winter sports.
  • Currency fluctuations. When the pound is weak against foreign currencies, it costs insurers more to settle claims with companies or services based overseas.
  • The rising cost of medical treatments. Medical expenses can cost hundreds of thousands of pounds in other countries. 
  • What's going on in the world. Factors outside your control like COVID-19 (coronavirus) or natural disasters will often impact the price of your travel insurance.
  • Legislative changes. Governmental changes to taxation will also push up the price of your travel insurance.

Travel insurance to cover 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.

awards and recognition

Travel with us and you're in safe hands 

  • Defaqto 5 Star rated Premier policy 

What our jet-setting customers say about our travel insurance cover...

This is the cheapest 'like-for-like Over 80s with Health Issues Travel Insurance that I've had in a long time. It was easy to buy, it was easy to check and it covered all my health issues Whilst abroad. My house insurance is also with LV which gave me a better price. Looking at Motor Insurance next.
This is the cheapest 'like-for-like Over 80s with Health Issues Travel Insurance that I've had in a long time. It was easy to buy, it was easy to check and it covered all my health issues Whilst abroad. My house insurance is also with LV which gave me a better price. Looking at Motor Insurance next.

Now sit back, relax and start your quote

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