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Travel insurance

Name: Travel insurance
Brand: loveit coverit
SKU: Travel
Rating: 4.6 (5040 reviews)

Comprehensive Travel insurance at great prices.

Dr Please!

24/7 Doctor Access

24/7 Helpline

While you are abroad

30-Year

Trust Legacy

Excellent

Trustpilot score

Authorised by the Financial Conduct Authority

Travel insurance

Comprehensive Travel insurance at great prices.

Dr Please!

24/7 Doctor Access

24/7 Helpline

While you are abroad

Authorised by the Financial Conduct Authority

Travel Insurance for all Your Needs

Fancy a change in scenery? In need of some sunshine or a break from the norm? Whether last minute or planned well in advance, there’s one vital thing you’ll need to organise before jetting away – your travel insurance.

With so many things to remember before escaping to sunnier climes, from booking your annual leave to packing your suitcase, and Googling the weather to arranging Fluffy’s pet care. Sorting your travel insurance can easily fall to the bottom of the pile, but what if something goes wrong?

loveit coverit travel insurance will protect you, the ones you’re travelling with, and your belongings, no matter where you’re going.

loveit coverit is excited to announce the introduction of Dr Please!, a free app available to all our customers with travel insurance products for overseas trips. Developed in partnership with our insurer, AXA, this innovative service provides access to qualified doctors from anywhere in the world, offering peace of mind during your travels.

How much does travel insurance cost?

There are different levels of cover, each with varying costs. The Essential cover will cost less but cover less while the Premium Cover will have significantly higher levels of cover and will include things like Travel Disruption Cover and Pet Care Cover. Moreover, the Plus and Premium Policies have a lower standard excess than the Essential Cover.

How much you spend will also differ depending on the factors such as your health, where you intend to travel, whether the cover is just for you or your whole family, and whether you require single trip or annual cover.

Don’t let the idea of saving a few pounds make you skimp on your policy as you could end up loads more out of pocket if something happens.

What are the Different Cover Levels?

	Essential	Plus	Premium
Medical Emergency & Repatriation	£10 Million	£10 Million	£15 Million
Cancellation or Cutting short your trip	£1,000	£2,500	£5,000
Travel Disruption	£0	£2,500	£5,000
Personal Baggage	£1,500	£2,000	£2,500
Delayed Departure	£100	£250	£500
Missed Departure	£300	£1,000	£1,500
Delayed Baggage	£300	£400	£400
Personal Money	£250	£500	£750
Pet Care	£0	£200	£500
Personal Accident	£5,000	£10,000	£15,000
Personal Liability	£1 Million	£1.5 Million	£2 Million
Legal Expenses	£20,000	£20,000	£20,000
Hospital Benefit	£1,000	£1,500	£2,000
Important Documents	£250	£300	£500
Emergency Dental	£500	£750	£1,000

Please check the Policy Documents for further information on cover levels.

Is Travel Insurance worth getting?

We don’t want to rain on your parade but the likes of illness, flight cancellations, lost luggage and natural disasters CAN happen. Travel insurance can be easy to overlook but for those of us who’ve experienced something unexpected on holiday, we know that it’s a good idea.

If there’s anything that helps you relax when miles away from home, it’s peace of mind, and travel insurance provides exactly that. So, for everything you need to know on travel cover, keep reading.

48% of travellers don’t realise that without travel insurance, they are held solely responsible for medical expenses when abroad. This alone is reason to get cover as who knows when injury or disaster may strike. For the factors you can’t control, there’s travel insurance. If you’d like to know more, take a look at our blog article, Is travel insurance worth it? Don’t just take our word for it though, Money Saving Expert Martin Lewis also has some words of wisdom.

Does travel insurance cover cancelled flights?

Yes, travel insurance often covers cancelled flights. However, the extent of coverage can vary between policies, so it’s essential to review the terms and conditions carefully. Generally, travel insurance offers reimbursement for non-refundable expenses if your flight is cancelled due to covered reasons such as severe weather conditions, natural disasters, or airline strikes. Be sure to read the policy’s fine print and understand any exclusions or limitations that may apply.

How to get travel insurance?

Getting travel insurance is a straightforward process. You can purchase travel insurance online through various insurance providers. Start by comparing different policies and providers to find the coverage that best meets your needs. Once you’ve identified the ideal policy, you can usually complete the application process online by providing your trip details, personal information, and making the payment. Afterward, you’ll receive your policy documents via email, ready for your upcoming adventure.

Why choose loveit coverit travel insurance?

Cancellation cover up to £5000 per person

Cancellation Cover is one of the main components of our travel insurance. There is nothing worse than having to cancel your trip due to unexpected circumstances. If you have to cancel your trip, we will reimburse the cost of your holiday for up to £5000 per person so you don’t have to worry about anything. We will cover the transportation costs, pre-booked accommodation and other expenses within the cover limit.

UK-based Customer Service team

Here at loveit coverit, customer service is paramount to us. It’s very important that our customers are treated with respect and all of their questions are answered in a swift and clear manner. Our UK-based Customer Service team has received numerous awards and has been very highly rated by our existing customers, so you are in good hands.

Comprehensive Covid-19 Cover Included

In these uncertain times it is necessary to have that extra protection. We will reimburse you if you or anyone on the policy falls ill with Covid-19 and is unable to travel or in the unfortunate event if you or anyone else on the policy contracting covid-19 during the trip and needing hospitalisation. Please check our COVID-19 Cover page and your Policy Documents for the full cover description.

Medical Cover up to £15 million

Seeking medical help in case of an emergency abroad can be very expensive and stressful. With our Medical Cover you don’t have to worry about anything. If something happens to you or someone on the policy, we will take care of everything. Moreover, we cover many pre-existing medical conditions so if you need to seek medical advice relating to your condition while abroad, we will cover that as well.

24/7 Helpline (whilst you're on holiday)

You never know when you might need some help or advice. That’s why our lines work 24/7. Should you have questions about your policy or would like to make a claim – we are here to help. Please remember that in the case of an emergency, please contact the local emergency services first. If you are abroad and need urgent assistance, please contact the Emergency Medical Service on +44 0203 0931749.

Online Policy Management

It’s important that all your details are up to date on your travel policy. That’s why we’ve created a customer portal where you can easily view and edit your details online, hassle-free, without having to call or email us. This saves you time which can be used for planning your trip. Keep in mind that some changes made (adding a medical condition, for example) might impact your policies premium.

Over 50 Sports Activities Covered

If you don’t just want to lay on the beach for your entire holiday and are planning to do some sportier activities, you’ll be pleased to know that we cover over 50 activities within our travel policies. So, whether you’re going snowboarding, surfing or snorkelling – We’ve got you covered (unless it is the main purpose of your trip, please read the policy wording before taking out the cover).

Easy to Make a Claim Online

It’s stressful enough if something goes wrong during your holiday so we wanted to make sure that making a claim is as easy and hassle-free as possible. You don’t have to fill in any paper forms, you can easily make a claim through our customer portal and upload all necessary documents there. We will take over from that point so you don’t have to worry about anything else!

Established and Trusted Insurer in the UK

We are one of the highest rated insurers in the UK market with the rating of 4.7/5 on TrustPilot. We have partnered with the leading global insurance brand AXA which allows us to offer you the highest quality cover.

Why Choose loveit coverit Travel Insurance?

Cancellation cover up to £5000 per person

Cancellation worries? With our travel insurance, you’re covered up to £5000 per person. From transportation costs to pre-booked accommodation, we’ve got you sorted for unexpected trip cancellations.

UK-based Customer Service team

Experience top-notch support with our award-winning, UK-based Customer Service team. Swift, clear, and respectful answers to all your queries, ensuring you’re always in good hands.

Comprehensive Covid-19 Cover Included

Travel with peace of mind in these uncertain times. Our Covid-19 cover includes reimbursement for illness-related cancellations or hospitalisation. Check our policy for full details.

Medical Cover up to £15 million

Abroad and need medical help? Our cover includes up to £15 million, handling emergencies and many pre-existing conditions. Travel stress-free, knowing we’ve got your medical concerns covered.

24/7 Helpline (whilst you’re on holiday)

Help is just a call away, any time. Our 24/7 helpline (+44 0203 0931749) is ready for your policy queries or claims, with emergency assistance available abroad. Remember, local emergency services should be your first contact.

Online Policy Management

Manage your travel policy effortlessly online. Update details, make changes, and save time for trip planning. Note: changes like adding medical conditions may affect your premium.

Over 50 Sports Activities Covered

Active holiday? We cover over 50 sports activities, including snowboarding and snorkelling. Just remember, if it’s the main purpose of your trip, check our policy wording first.

Easy to Make a Claim Online

Claiming made easy. No paperwork, just use our online portal to submit your claim and documents. We handle the rest, so you can relax and recover.

Established and Trusted Insurer in the UK

“With a 4.7/5 TrustPilot rating and partnership with AXA, we’re a leading, reliable UK insurer. Trust us for high-quality coverage and peace of mind.

Do I need travel insurance?

While travel insurance is not mandatory, it is highly recommended for any trip, whether domestic or international. The reality is that unforeseen events can occur at any time, and without travel insurance, you may find yourself responsible for hefty expenses. From canceled flights and lost luggage to medical emergencies abroad, having the right travel insurance policy can save you from significant financial burdens and provide much-needed support during difficult times.

Single or Annual Trip Insurance. Which one is the best for me?

There are two types of travel insurance – single trip and annual multi trip. If you are not planning to travel a lot and don’t usually have more than 2 holidays or trips a year, single trip insurance might be a better option for you. It will work for the duration of your trip, from departure until arrival back in the UK.

However, if you are a more frequent traveller and plan to have over 2 trips a year, annual multi trip travel insurance is the choice for you. If you don’t plan your trips well in advance or happen to make an unplanned trip, annual multi-trip will be the best choice for you as well. You won’t have to sort out insurance for each separate trip, they all will be covered under one policy. More often than not the annual multi trip travel insurance policy works out to be a more cost-effective option as buying several single-trip policies a year might cost more than one annual multi-trip policy.

What are the different types of cover?

loveit coverit travel insurance has three different cover levels – Essential, Plus and Premium. On the Essential Cover, which is the least comprehensive cover option, you’ll get cover for things such as overseas medical expenses, cancellation or cutting short of your trip, repatriation, missed or delayed departure and baggage cover up to a set limit. For the full cover description, please click here or read your policy wording. loveit coverit also includes things like Dental Cover, Legal Expenses Cover and Personal Money Cover in the Essential Policy.

With more comprehensive options, like our Plus and Premium Policies, you’ll get cover for all of the above but to a greater value, as well as things like Pet Care Cover and Travel Disruption Cover (for situations if your flight is overbooked or you are stranded abroad or your journey is affected by tsunamis, volcanic eruptions and/or volcanic ash clouds, earthquakes, explosions, avalanches and hurricanes, please see your policy documents).

How do I know which cover is the right cover?

Before you start shopping around, think about all the details of your trip, this includes whether you’re travelling alone, as a couple, a group, or a family, whether you want single or annual (link to ‘annual’ cover page) cover, whether you’ll be renting a car, what activities you’ll be doing, how much your luggage is worth, and how much your trip costs (in case you need to recoup costs). Considering these factors will help you to pick a policy that gives you the cover you need.

What’s not covered?

Sadly not even the crème de la crème of travel insurance policies cover everything. For example, if you’re intoxicated, you don’t keep an eye on your belongings or you don’t disclose your pre-existing medical condition, you are not going to be covered.

What are the different types of cover?

loveit coverit travel insurance has three different cover levels – Essential, Plus and Premium. On the Essential Cover, which is the least comprehensive cover option, you’ll get cover for things such as overseas medical expenses, cancellation or cutting short of your trip, repatriation, missed or delayed departure and baggage cover up to a set limit. For the full cover description, please click here or read your policy wording. loveit coverit also includes things like Dental Cover, Legal Expenses Cover and Personal Money Cover in the Essential Policy.With more comprehensive options, like our Plus and Premium Policies, you’ll get cover for all of the above but to a greater value, as well as things like Pet Care Cover and Travel Disruption Cover (for situations if your flight is overbooked or you are stranded abroad or your journey is affected by tsunamis, volcanic eruptions and/or volcanic ash clouds, earthquakes, explosions, avalanches and hurricanes, please see your policy documents).

How do I know which cover is the right cover?

Before you start shopping around, think about all the details of your trip, this includes whether you’re travelling alone, as a couple, a group, or a family, whether you want single or annual (link to ‘annual’ cover page) cover, whether you’ll be renting a car, what activities you’ll be doing, how much your luggage is worth, and how much your trip costs (in case you need to recoup costs). Considering these factors will help you to pick a policy that gives you the cover you need.

What’s not covered?

Sadly not even the crème de la crème of travel insurance policies cover everything. For example, if you’re intoxicated, you don’t keep an eye on your belongings or you don’t disclose your pre-existing medical condition, you are not going to be covered.

Travel Destination Guides

Our Travel Insurance FAQ's

You can get a travel insurance quote here.

Single trip policy will cover you for one trip of a specified duration while an annual multi-trip policy will cover you for an unlimited number of trips within the policy period.

If you or another traveller on your policy falls ill while abroad, you can schedule a remote appointment with a doctor via the Doctor Please! app. After the consultation, you’ll have access to the doctor’s notes and any prescriptions needed for medication at a local pharmacy.

When you purchase a loveit coverit Travel Insurance policy, we provide a medical advice access code with your policy documents. Download the free Doctor Please! app from the Apple Store or Google Play Store, and use your access code to log in and book a consultation.

Alternatively, you can contact the AXA Assistance team on 0203 0931749 and request a callback from a registered doctor. If calling from abroad, please dial +44 203 0931749.

Currently, you do not need to take out an additional cover for travelling to Europe. If this changes, we will notify you.

Yes, our insurance policies cover travel in the UK as well as international travel.

We provide cover for most countries. When getting a quote for your travel insurance, you’ll be able to choose your destination or a region, if you’re buying a Multi-Trip Policy.

Please note that there is specific guidance on FCDO restrictions due to COVID-19, please click here to see the information.

If you choose to travel against FCDO advice (that is to a country, specific area, or event when the FCDO, or other regulatory authority in a country to/from which you are travelling, has advised against all but essential travel), your policy may be impacted.

For example, should you travel against FCDO advice that is in place due to COVID-19, your policy will not provide cover if you suffer with COVID-19 when abroad, but would provide cover for claims that are not directly or indirectly linked to Covid-19 for instance, if you broke your leg.
However, you would not be covered for cutting your trip short if the FCDO (or other regulatory authority) recommended evacuation from a country or a specific areas you have travelled to, when there was a warning against all or all but essential travel in place when you departed on your trip, and you continued to travel anyway.

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