Travel Insurance FAQs

Tesco Travel Insurance provides cover for your pre-existing medical conditions – after you have purchased your policy, you must contact our medical screening helpline on 0345 030 6124 if:

When you call, we will ask you specific questions about your medical condition(s).

After you complete your declaration, you may need to pay an additional premium to allow cover to continue for your pre-existing medical conditions and associated conditions. There is also a chance that we will not be able to provide you with cover for these conditions, in which case we will cancel your policy and refund you a portion of the amount you have currently paid unless you have not made a claim and do not intend to make a claim.

Tesco Travel Insurance can provide cover for pre-existing medical conditions - when you purchase the insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. If you do not tell us about any pre-existing medical conditions, this may impact any claim you make. Please note there may be an additional charge to cover some medical conditions.

The policy will be void if you travel against the advice of a medical practitioner or your public transport provider.

If you are in any doubt, you should call to check whether you're covered for your medical condition before you travel. Please call 0345 030 6124*.

If you purchased or renewed your travel insurance policy on or after 4th September 2024:

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by AWP P&C S.A.

If you purchased or renewed your travel insurance policy before 4th September 2024:

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

A wide range of sports and activities are covered as standard on all of the policies at no additional cost as long as you are participating on a recreational and non-professional basis during any trip and you are following local laws and regulations and using any recommended safety equipment.

A full list of sports covered as standard and any exclusions can be found in the policy booklets under SPORTS AND OTHER ACTIVITIES. You should check this list to ensure you are covered before participating.

Optional Golf Cover and Winter Sports Cover may be available to purchase at extra cost to provide more cover for those specific sports trips.

Monetary limits, excesses and exclusions apply, for full details please refer to your policy booklet.

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.

Yes, cruise holidays are covered under the normal policy terms and conditions. You should ensure that you have cover for all the destinations that you will visit on the cruise.

Optional cruise cover is also available at an additional cost on some policies and covers missed port of departure, cabin confinement, itinerary change and unused excursions. If you have a Later Life policy this cover is automatically included in your policy.

Monetary limits, excesses and exclusions apply, for full details please refer to your policy booklet.

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.

Single Trip: The maximum duration of any one trip is 365 days.

Annual Multi Trip: 31 days per trip.

Backpacker Insurance: The maximum trip duration for any one trip is 550 days, you are covered for 3 return trips to the UK with a maximum combined duration of 31 days.

Later Life: The maximum duration of any one trip is 15 days per policy.

There is a 15-day maximum trip length for Winter Sports trips (if purchased).

If single trip cover is selected, you are only covered for trips which last up to or less than your maximum trip duration you selected (confirmed on your policy certificate).

All limits are per insured person.

If you have a Tesco Travel Insurance policy you will be automatically covered for accidental loss, theft or damage to your Baggage including High Value Items and Personal Money

When travelling you must keep all your personal valuables with you. You are not covered if you leave valuables or money and documents unattended.

For all loss, theft or attempted theft you will be asked to provide a Police report including crime reference number or incident report, from the local Police in the country where the incident occurred. The incident must be reported within 24 hours.

Monetary limits, excesses and exclusions apply, for full details please refer to your policy booklet.

Tesco Travel Insurance DOES NOT cover mobile phones.

Optional Gadget Cover may be available to purchase at an additional cost.

Monetary limits, excesses and exclusions apply, for full details and eligibility please refer to your policy booklet.

You should also check if you have cover elsewhere, such as Home insurance or packaged bank accounts.

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by AWP P&C S.A.

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust).

Europe
Akrotiri, Aland, Albania, Andorra, Armenia, Austria, Balearic Islands, Baltic Islands, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Channel Islands, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Fuerteventura, Georgia, Germany, Gibraltar, Gozo, Gran Canarias, Greece, Greek Islands, Guernsey, Hungary, Ibiza, Iceland, Israel, Italy (including San Marino, Sardinia, Sicily and Vatican City), Jersey, Jordan, Jordan River, Kos (Greek Island), Lanzarote, Latvia, Lebanon, Libya, Libyan Arab Jamahiriya, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Mallorca, Malta, Menorca, Minorca, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Republic Of Ireland, Rhodes (Greek Island), Romania, Russia West of Urals, San Marino, Sardinia, Serbia, Sicily, Slovakia, Slovenia, Spain (excluding Balearic Islands and Canary Islands), Svalbard Islands, Sweden, Switzerland, Syria, Syrian Arab Republic, Tenerife, Turkey, Ukraine, Vatican City State.

Worldwide (excluding USA, Canada, Caribbean and Mexico) Anywhere in the world except the United States of America, Canada, the Caribbean and Mexico.

Worldwide (including USA, Canada, Caribbean and Mexico) Anywhere in the world.

In the event that you need to return home urgently you should contact the Helpline who will be able to assist you on what you need to do.

Travel claims:

(submit online 24 hours a day)

https://allianz-protection.com

(call Monday to Friday – 8am to 6pm)

0345 641 9751

Emergency Medical Assistance: +44 (0) 208 603 9752*

Travel claims: 0345 303 8373*

Emergency Medical Assistance: +44 345 303 8373* from anywhere in the world or 0345 303 8373* from the United Kingdom..

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

This is the part of the claim that you agree to pay per person. This is limited to two excess amounts per trip, even if more than two insured persons are claiming.

With the exception of Gadget cover, the excess does not apply to Premier cover, or to insured persons for whom the Excess waiver upgrade has been purchased.

Excess amounts are detailed in your quote and in your policy booklet. You should check and be aware of these before you purchase.

Full details of your policy and level of cover will be available in your Policy Booklet and Certificate - please refer to these documents.

Our claims consultants are fully trained and have an excellent knowledge of the policy cover you have arranged. Wherever possible, they will let you know when you speak to them whether you have a valid reason to claim.

Travel claims:
(submit online 24 hours a day)
https://allianz-protection.com
(call Monday to Friday – 8am to 6pm)
0345 641 9751

Emergency Medical Assistance: +44 (0) 208 603 9752*

Travel claims: 0345 303 8373*

Emergency Medical Assistance: +44 345 303 8373* from anywhere in the world or 0345 303 8373+44 345 303 8373* from the United Kingdom.

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

For all claims you may be asked to provide certain documentation, for example:

Please refer to each section in your policy wording for a more comprehensive list.

Travel insurance provides benefits over and above the medical treatment costs that are covered by the European Health Insurance Card (EHIC) or the new replacement Global Health Insurance Card (GHIC).

EU, EEA or Switzerland
If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland you are strongly advised to obtain either a EHIC or GHIC. This will entitle you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland.

If you have Tesco Travel Insurance and we agree to pay for a medical expense claim which has been reduced because you have used either a EHIC, GHIC or private health insurance, we will not deduct the excess under Section 2 of the policy booklets Medical emergency and repatriation expenses.

We also recommend you check FCDO travel advice on GOV.UK for the country you're visiting.