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LV travel insurance review

Read Which?'s expert review of LV's travel insurance. Find out how we rate LV's policy and how it compares with dozens of other travel insurance providers.

In this article
LV travel insurance overview How good is LV travel insurance? Should you buy LV travel insurance?
Is LV travel insurance coronavirus proof? LV travel insurance: how can I claim? Get top money-saving tips from Which?

LV travel insurance overview

LV is a mutual organisation and is currently the third-largest insurer in the UK.

The company was initially set up in 1843 to help with funeral expenses, but now offers a range of insurance, retirement and investment products, including car insurance, home insurance and pet insurance.

LV's travel insurance policy is underwritten by Liverpool Victoria Insurance Company Limited.

How good is LV travel insurance?

Policy name Policy type Max trip length Max age Policy score

Covid rating

 

(What's this?)

How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best).

LV Essential Annual and single trip 31 days (annual) / 365 days (single) 79 years old (annual) / No age limit Logged out score Superior
LV Premier Annual and single trip 90 days (annual) / 365 days (single) 79 years old (annual) / No age limit Logged out score Superior

 

How we analyse travel insurance

 

We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.

Inititally, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score. 

Should you buy LV travel insurance?

We've rated hundreds of policy details to come up with a combined expert policy score.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of LV's travel insurance rated

   

Essential

Premier

Weighting Policy element Details Rating Details Rating
Most important Medical expenses - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock
Most important Medical repatriation - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock
Most important Private healthcare covered in an emergency (if no alternative)? Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Dental treatment - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock
Other GHIC excess waiver Logged out detail Logged out padlock Logged out detail Logged out padlock

Table last updated in June 2021. Next update in June 2022.

To see how LV's travel insurance compares to other policies check out our guide on the best and worst travel insurance.

Is LV travel insurance coronavirus proof?

We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.

Specifically we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad; having to cancel because of a positive test; having to cancel because of self-isolation; or having to cancel because of government advice.

We've rated insurers' coronavirus cover, and explained what they offer, including any relevant exclusions.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

LV travel insurance: how can I claim?

For medical emergencies abroad call +44 (0)1243 621 537.

To make a claim, call 0800 707 6967.

Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

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