LV= travel insurance in 60 seconds
LV= Travel Insurance at a glance (2026)
Already booked? Buy now, not laterTravel insurance only covers cancellations from the date you take out the policy. Buying within 24 hours of booking gives you the most cancellation protection, see our travel insurance guide.
LV= travel insurance cover and tiers in 2026
LV= travel insurance is arranged by LV= and underwritten by ERV (the UK branch of ERGO Reiseversicherung AG), one of Europe's largest specialist travel insurers. Cover is sold across three named tiers. Single trip covers a single holiday up to 365 days; annual multi-trip covers any number of trips in a year, with each trip capped at 31 days (Essential) or 45 days (Premier and Premier Plus). There is no upper age limit on the standard policy, which makes LV= unusual among large UK insurers.
The LV= travel insurance product range
LV= Essential
Entry-level cover with £5m medical, £3,000 cancellation and £1,500 baggage. Sensible choice for short, low-cost European trips where you don't need premium add-ons.
- Medical to £5m.
- Cancellation to £3,000.
- £100 excess per claim.
LV= Premier
Mid-tier policy with £10m medical, £5,000 cancellation, £2,000 baggage, £1,500 travel disruption and a £75 excess. Good balance of cover and price for most travellers.
- Medical to £10m.
- Cancellation to £5,000.
- Travel disruption included.
LV= Premier Plus
Comprehensive cover with £10m medical, £7,500 cancellation, £3,000 baggage and £3,000 travel disruption. Defaqto 5 Stars. Cruise cover and gadget cover available as add-ons.
- Cancellation to £7,500.
- Higher baggage & single-item limits.
- Defaqto 5 Star policy.
Annual Multi-trip
Unlimited trips for 12 months at any of the three cover levels. Each trip up to 31 days (Essential) or 45 days (Premier and Premier Plus). Best value if you take three or more trips a year.
- Unlimited trips per year.
- Single excess across the year.
- Worth it from 3+ trips.
Winter Sports
Add-on for all three tiers. Covers ski equipment (owned and hired), piste closure, pre-paid ski pass losses and avalanche delay. Off-piste skiing covered with a qualified guide.
- Ski equipment to £1,500.
- Piste closure compensation.
- Off-piste with a guide.
Cruise
Bolt-on for ocean and river cruises: missed port, cabin confinement, formal wear loss and unused excursion cover, plus medical evacuation from ship to shore.
- Missed port cover.
- Cabin confinement benefit.
- Ship-to-shore evacuation.
Essential vs Premier vs Premier Plus: cover limits
| Section | Essential | Premier | Premier Plus |
|---|---|---|---|
| Emergency medical & repatriation | £5m | £10m | £10m |
| Hospital benefit | £200 | £500 | £1,000 |
| Emergency dental | £200 | £350 | £500 |
| Personal liability | £1m | £2m | £2m |
| Cancellation & curtailment | £3,000 | £5,000 | £7,500 |
| Travel disruption | No cover | £1,500 | £3,000 |
| Baggage | £1,500 | £2,000 | £3,000 |
| Single-item limit (baggage) | £250 | £300 | £500 |
| Missed departure | £500 | £1,000 | £1,500 |
| Loss of passport | £300 | £500 | £750 |
| Excess per section | £100 | £75 | £50 |
| Defaqto rating (2026) | 3 Stars | 4 Stars | 5 Stars |
Source: LV= travel insurance Insurance Product Information Documents (IPIDs), 2026.
No upper age limit on the standard policyUnlike most large UK travel insurers, LV= imposes no upper age limit on its standard travel insurance policies. That makes LV= one of the most competitive choices for over-65s, especially when other insurers either refuse cover or load the premium heavily over age 70.
Optional add-ons
- Winter sports: skiing, snowboarding, piste closure and ski equipment cover. Paid add-on on all tiers (around £25–45 per trip).
- Cruise pack: missed port, cabin confinement, formal wear and unused-excursion cover for ocean and river cruises.
- Hazardous activities: covers a long list of activities normally excluded as standard (scuba diving to 30 m, bungee jumping, paragliding and more).
- Excess waiver: removes the per-section excess on Essential and Premier policies.
- Gadget cover: up to £1,500 for laptops, phones, cameras and tablets, with single-item limit up to £750.
- Wedding cover: protects wedding rings, attire, gifts and unused reception costs on destination weddings.
Heads-up on adventure sportsLV='s standard sports list covers hiking up to 3,000 m, off-piste skiing only with a qualified guide, and scuba diving up to 30 m with a qualification. Above those limits you need the Hazardous Activities pack; always check before you go.
LV= travel insurance prices in 2026
Travel insurance premiums are based on age, destination, trip length and any pre-existing medical conditions. LV= prices are broadly upper-mid-market in 2026: you'll typically pay around 8–15% more than the cheapest aggregator quote, but you get a Defaqto 5 Star policy and one of the highest-rated claims teams in the UK. Indicative annual multi-trip quotes for a 35-year-old with no medical conditions, Europe-only cover:
| Policy | UK average | LV= Premier quote | LV= Premier Plus quote |
|---|---|---|---|
| Annual Essential, Europe | £42 | £46 | £52 |
| Annual Premier, Europe | £78 | £82 | £96 |
| Annual Premier Plus, Worldwide ex USA/Canada | £128 | £135 | £148 |
| Single-trip Premier, 2 weeks USA | £72 | £81 | £94 |
| Single-trip Premier, 70-year-old, Europe | £58 | £62 | £71 |
Source: ABI Travel Insurance Premium Tracker Q1 2026 + Selectra quote tests on lv.com, May 2026. Personal quotes will vary with age and medical history.
If you have an LV= car or home policy, LV= applies a 5% multi-product discount on travel insurance bought through the same My LV= account. The discount appears at quote stage automatically when you are logged in.
LV= travel insurance cancellation policy
LV= refunds the full premium if all of the following apply:
- You cancel within 14 days of receiving your policy documents.
- You have not made, and do not intend to make, a claim.
- No incident has occurred that may lead to a claim.
- You have not started travelling.
After the 14-day cooling-off period, you can still cancel the policy but you will not receive any refund. Cancellation must be confirmed in writing or by phone on 0800 756 8881.
LV= travel insurance customer service
LV= uses different phone lines depending on what you need. The emergency assistance number is the one to programme into your phone before you fly, it is the only line that operates 24/7 worldwide.
Contact LV= by phone
Emergency assistance abroad
Medical & repatriation, 24/7
+44 (0)1444 442 200
24/7 worldwide
Top lineTravel insurance quotes
New policy enquiries
0800 756 8881
Mon–Fri 08:00–20:00, Sat 08:30–17:00
Existing policy changes
Amend dates, names, cover
0800 756 8881
Mon–Fri 08:00–20:00
Top lineMake a claim (post-trip)
Baggage, cancellation, expenses
01444 442 107
Mon–Fri 09:00–17:00
Medical screening
Pre-existing conditions
0345 230 1094
Mon–Fri 09:00–17:00
Cancel policy
Within 14-day cooling-off
0800 756 8881
Mon–Fri 08:00–20:00
Login & document help
My LV= support team
0800 022 4321
Mon–Fri 09:00–17:30
Complaints
Customer relations team
0800 032 6003
Mon–Fri 09:00–17:00
Information to have ready before you call
- Your full name, policy number and the date the incident occurred.
- A copy of your policy schedule (available in My LV=) and the IPID for your tier.
- For medical claims: name and contact details of the treating hospital and any local doctor.
- For baggage or theft claims: a police report or property irregularity report (PIR) from the airline.
- For cancellation: written proof of why you cannot travel (doctor's note, employer's letter, FCDO advice page).
LV= travel insurance reviews and ratings
Industry bodies rate LV= travel insurance highly on cover, with the Premier Plus tier holding a Defaqto 5 Star rating and Fairer Finance placing LV= in the upper quartile for transparency. Customer reviews on Trustpilot and Feefo skew positive, especially on the speed of medical assistance overseas.
| Source | Essential | Premier | Premier Plus |
|---|---|---|---|
| Defaqto 2026 | 3 Stars | 4 Stars | 5 Stars |
| Fairer Finance 2026 | 3 Stars | 4 Stars | 5 Stars |
| Which? 2025 survey | 4/5 overall, Recommended Provider | ||
| Trustpilot all LV= products | 4.7/5 (200,000+ reviews) | ||
Sources: Defaqto and Fairer Finance public ratings 2026, Which? consumer survey 2025, Trustpilot May 2026.
What customers like
- Defaqto and Fairer Finance 5 Stars for Premier Plus, generous medical and cancellation limits.
- No upper age limit on the standard policy, a rarity among large UK travel insurers.
- Free children on family policies (up to age 18) and a 5% multi-product discount for LV= customers.
- Emergency assistance at +44 (0)1444 442 200 gets consistently good reviews for medical response speed.
Common criticism
- Essential tier is mid-pack on features for the small price gap; Premier is usually a better buy.
- Pre-existing medical loading: declared conditions can dramatically increase the price; the dedicated medical screening line is essential.
- Single-item limits: £250–£500 won't cover a high-end laptop or camera; you need the gadget cover add-on or a specialist gadget insurer alongside.
- Slightly above market average: LV= rarely wins the absolute cheapest aggregator quote, especially on the Premier Plus tier.
Selectra's verdict on LV= travel insurance in 2026
Strengths: highly rated Premier and Premier Plus tiers (5 Stars on Defaqto and Fairer Finance), no upper age limit on standard policies, free children's cover on family policies and a UK-based assistance team with a strong track record.
Weaknesses: Essential tier is borderline mid-pack value, pre-existing medical surcharges and a price that is rarely the cheapest on aggregators. Cruise and gadget cover are paid add-ons rather than standard.
If you are over 65, take frequent trips a year, or already hold an LV= car or home policy, LV= Premier is one of the best-value travel insurance policies on the UK market in 2026. Otherwise, the price is upper-mid-pack and worth checking against the AA, Aviva and Admiral in our UK insurance providers guide.
LV= travel insurance FAQ
LV= travel insurance is arranged by LV= and underwritten by ERV (the UK branch of ERGO Reiseversicherung AG), one of Europe's largest specialist travel insurers. Both companies are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Claims are handled by ERV's UK operation in Burgess Hill; emergency assistance abroad runs through LV='s in-house 24/7 desk.
No. LV='s standard travel insurance has no upper age limit, which makes it one of the most competitive choices for over-65s. Travellers with serious pre-existing conditions still need to declare them and may be referred to LV='s dedicated medical screening line on 0345 230 1094, where a separate underwriter quotes the medical loading.
Yes. All three tiers cover emergency medical treatment overseas, repatriation costs and accommodation if you test positive for Covid-19 abroad. Cancellation cover includes positive Covid tests within 14 days of departure, but does not cover changes in FCDO travel advice or government restrictions, the standard market position since 2023.
Call +44 (0)1444 442 200, available 24/7 from anywhere in the world. The team can authorise hospital treatment, arrange repatriation, find replacement passports and liaise with airlines on flight changes. Save the number in your phone before you fly.
Yes. Winter sports, cruise and gadget cover are all sold as paid add-ons on every LV= travel tier. Winter sports costs around £25–45 per trip and covers up to 17 days of skiing or snowboarding per year, ski equipment, piste closure and pre-paid ski pass losses. Gadget cover provides up to £1,500 for laptops, phones, cameras and tablets, with single-item limit up to £750.
Call 0800 756 8881 within the 14-day cooling-off period for a full refund, provided you have not travelled and have not made a claim. After 14 days, you can still cancel but you will not receive any refund. Annual multi-trip policies cannot be cancelled mid-year after the cooling-off period, the cover continues until the renewal date.