Travel insurance

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

*Defaqto 5 Start rated Premier Policy

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What is travel insurance?

Travel insurance is there if something doesn’t go to plan. Like having to cancel your holiday, a medical emergency abroad, or losing your luggage.

Emergency medical treatment in another country can prove incredibly costly and having travel insurance means you can relax on your holiday with the peace of mind that you’re covered even if the worst should happen.
And, before your holiday’s even started, if you find you can’t travel and have to cancel your trip, at least you’ll be covered for the cost of cancellation. 

An important thing to remember is to take out insurance ASAB – as soon as you book – to get the full benefit of cover.
Getting the right cover to suit your needs is essential so it’s worth considering additional benefits, often available as optional extras, such as:
Baggage cover for lost or stolen bags including personal items of value
Cover for uncommon activities such as scuba diving, wakeboarding and other water sports
Cover for delay or missed departure
Specific cover relating to winter sports or cruises

Why is travel insurance important? 

One important reason for having travel insurance is to cover you for the potentially very high cost of treatment if you fall ill while you’re away. 
Most countries don’t have the same sort of medical provision we enjoy in the UK (free treatment at the point of need) and having to receive treatment in a foreign country can quickly become very expensive, especially in countries like the USA where even a short stay in hospital can land you a bill running into tens of thousands of pounds.

If you’re visiting EU countries or Switzerland, the UK has reciprocal health care agreements which can be accessed using your Global Health Insurance Card (GHIC) or European Health Insurance Card (if still valid) but not all treatment’s covered and your GHIC won’t cover the cost of your travel if you need to return to the UK sooner than planned.

Another reason travel insurance is important is it can cover the cost of your holiday if you’re unable to travel due to certain circumstances, for example if you or a close relative (or someone you were planning to stay with) fell ill unexpectedly. 
 
Some policies also cover reasons like jury service, armed forces and NHS call up, or damage to your home that means you can’t leave, e.g. fire.

So, what does our travel insurance cover?

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

Our Essential policy includes the following:
  • A 10% 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
  • 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!
     

    Our Defaqto 5 Star rated Premier policy includes 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

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 10% 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! 

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?

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! 

Long stay travel insurance

Whether you're off on a round-the-world backpacking 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.

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

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Travel with us and you're in safe hands

  • Defaqto 5 Star rated premier policy 
  • LV= travel insurance rated 4.7 out of 5 based on 1,246 customer reviews independently verified by Feefo
    Correct as of 13 September 2024

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