Travel insurance

The single trip policy has no upper age limit. Our annual policy is only available to travellers who are aged 79 and under. You can also choose from two different levels of cover - Essential or Premier.

The maximum trip length under an annual multi-trip Premier policy is 90 days or 31 days under an Essential annual multi-trip policy.

On a single trip if you're between 65 and 79, the maximum trip length is 90 days or 31 days if you're 80 or over.

> Read our over 50's travel guide

> Read our over 65's travel guide

> Read our over 70's travel guide

> Read our over 75's travel guide

> Read our over 80's travel guide

Your European Health Insurance Card (EHIC) is still valid after 31 December 2020 until your card expires, so remember to take it with you if you travel. If you don’t have one, you can now apply for a Global Health Insurance Card (GHIC). From the 1 January 2021 the GHIC and EHIC is accepted in all EU countries but not Norway, Iceland, Switzerland or Liechtenstein. The EHIC or GHIC entitles you to reduced cost or free state healthcare in the countries you visit.

However, not all medical costs are covered by these health agreements, so your travel insurance will cover you for all other medical expenses, including bringing you home if you're too unwell to complete your trip.

An LV= travel insurance policy provides up to £10 million emergency medical cover outside the UK as well as things like:

• Lost costs if you need to cancel or cut a trip short due to illness
• Transport costs to get you home if you can't use your original scheduled transport arrangements due to illness
• The costs for someone to arrange for someone to travel to you if it's medically necessary

For more updates on Brexit and your travel insurance policy, check our dedicated Brexit page.

You should consider cover buying travel insurance to cover the unexpected.

Travel insurance will cover you for:

• Cancellation if you or your travelling companion becomes ill or injured and can’t travel
• Transport costs to get you home or transferred by ambulance to a hospital near your home should you fall ill whilst away
• Baggage claims – if you selected this cover 

If, after travelling to your destination, the FCDO advice is to leave the area you're staying in, then you're covered to cut your trip short.

If this situation arises, please contact our 24 hour assistance helpline on +44 1243 621 537 (01243 621 537 from the UK).

If the FCDO advice is simply against travelling to the destination you are already in, there is no cover to cut your trip short; however, you can call the 24 hour helpline if you need any help or advice.

If you run out of prescription medication because you were unable to return home as planned we can cover the costs of additional medication.

If you've taken out optional baggage cover and you lose your medication, we'll cover the cost of replacing it.

Full details can be found on Your Document of Travel Insurance.

If your baggage is delayed or lost in transit, you should tell the company that is transporting your baggage within 24 hours of discovery and ask them to complete a Property Irregularity Report or provide you with a baggage loss receipt.

If you have chosen to add our baggage cover to your policy and your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover for the purchase of necessary items: up to £250 on our Essential policy and up to £500 on our Premier policy.

If you have cruise cover, the cover limits include the cost of couriering your baggage to your cruise vessel if it has already left the port.

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and obtain a written report. You can claim up to £2,000 on our Essential policy and up to £3,000 on our Premier policy for stolen or lost items. There is a single item limit and total valuables limit of £300 on Essential and £500 on Premier.

If your baggage is lost, you should report the loss to an appropriate person depending on where the loss occurs; for instance, if you lost a ring while in a restaurant, you'd report that to the manager of the restaurant, if you lost a ring while in your accommodation you'd report that to the manager or owner of the accommodation. You must obtain written evidence that you have reported the loss.

To make a claim on your LV= travel insurance, visit our travel claims hub or call us on 0800 707 6967

We've temporarily changed our opening hours. Lines open:

9am - 6pm Monday to Friday 

Calls will be recorded. For Text Phone first dial 18001

If you need emergency assistance call our 24/7 helpline on 01243 621 537
From outside the UK: +44 1243 621 537

Depending on what section of your policy you're claiming under, you may need to give us certain types of information or evidence; for example, your original trip booking invoice and travel documents showing the dates and times of travel, evidence that losses or thefts have been reported, or evidence of ownership and value of goods .

Please see the relevant section of your policy for more information on what documents you may need.