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Our Travel Insurance FAQ's

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.

While annual travel insurance lets you take unlimited trips, there’s a cap on the duration of each trip:




  • Plus policies: Trips up to 31 days.

  • Premium and Premium+ policies: Trips up to 45 days.



Good news, our policies also cover UK holidays, provided your trip meets a minimum distance requirement from your home.


Yes, our policies cover trip cancellations for various reasons, such as an unforeseen illness, disease or due to operational reasons when you are a member of the Armed Forces. For more information about our trip cancellation cover, please check the Terms and Conditions.

We will consider all medical conditions including heart conditions, diabetes and cancer as part of our medical screening process. However, in some cases we are unable to provide cover.

Yes, loveit coverit offers travel insurance with gadget cover, allowing you to protect your phone, tablet, or other valuables while you’re away. You can add gadget cover directly to your travel insurance policy for extra peace of mind. Alternatively, you may prefer standalone gadget insurance from loveit coverit, which includes unlimited worldwide cover year-round.

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

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.