Annual Multi Trip Insurance

For people who know they'll be off somewhere nice more than once this year.

If you plan on taking two or more trips (each no longer than 31 days) in the next 12 months, Annual Multi Trip cover could offer greater convenience than Single Trip cover.

  • Choose from Economy or our 5 Star Defaqto rated Standard and Premier cover.
  • With Clubcard Prices, Clubcard members get a 10% discount when you buy direct. Discount doesn’t apply to add-ons. Just enter your Clubcard number when you get a quote.
  • Unlimited medical and repatriation cover. An additional premium may be required to cover any pre-existing medical conditions or add-ons.

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by AWP P&C S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust).

      Some little helps to get you on your way

      24/7 helpline available in case of medical emergencies.

      Unlimited cover for medical expenses and repatriation costs. An additional premium may be required to cover any pre-existing medical conditions or add-ons.

      Get an increased cash limit as part of your cover if you buy from Tesco Travel Money.

      Compare cover levels

      Monetary limits, excesses and exclusions apply, please see the policy booklet for more information. The maximum limits payable are shown below.

      Compare our levels of travel insurance cover

      Features

      Economy

      Standard

      Premier

      Defaqto rating

          Defaqto 4 star logo
            Defaqto 5 star logo
              Defaqto 5 star logo

              Excess

                £99 per person

                  £75 per person

                    No excess

                      Cancellation or cutting
                      short your trip

                        £1,000

                          £5,000

                            £10,000

                              Emergency Medical Expenses

                                Unlimited

                                  Unlimited

                                    Unlimited

                                      Emergency dental

                                        £250

                                          £350

                                            £1,000

                                              Inpatient benefit

                                                £500

                                                £20 a day

                                                  £500

                                                  £40 a day

                                                    £1,000

                                                    £50 a day

                                                      Virtual doctor

                                                          Blue tick icon
                                                            Blue tick icon
                                                              Yes

                                                              Missed departure

                                                                £500

                                                                  £1,000

                                                                    £1,500

                                                                      Travel delay

                                                                        £500

                                                                        £20 per day

                                                                          £500

                                                                          £40 per day

                                                                            £1,000

                                                                            £50 per day

                                                                              Baggage

                                                                                £1,000

                                                                                Single article and valuables limits £250

                                                                                  £2,000

                                                                                  Single article and valuables limits £350

                                                                                    £3,000

                                                                                    Single article and valuables limits £500

                                                                                      Baggage delay

                                                                                      If lost in transit during the outward journey and not returned to you within 12 hours (if the loss is permanent this will be deducted from your baggage allowance).

                                                                                        £250

                                                                                          £500

                                                                                            £1,500

                                                                                              Personal money

                                                                                                If you purchase your travel money at a Tesco Travel Money Bureau or online via the Tesco Travel Money website prior to your trip then your Cash limit will be doubled.

                                                                                                  £250

                                                                                                  Cash limit of £100

                                                                                                    £500

                                                                                                    Cash limit of £200

                                                                                                      £750

                                                                                                      Cash limit of £375

                                                                                                        Loss of travel documents

                                                                                                          £250

                                                                                                            £250

                                                                                                              £500

                                                                                                                Legal expenses and assistance

                                                                                                                  £25,000

                                                                                                                    £25,000

                                                                                                                      £25,000

                                                                                                                        Personal liability

                                                                                                                          £2 million

                                                                                                                            £2 million

                                                                                                                              £2 million

                                                                                                                                Personal total disablement or loss of limb / eye

                                                                                                                                  £10,000

                                                                                                                                    £20,000

                                                                                                                                      £30,000

                                                                                                                                        Death

                                                                                                                                          £5,000

                                                                                                                                          If aged 15 or under or 65 and over cover is £2,500

                                                                                                                                            £10,000

                                                                                                                                            If aged 15 or under or 65 and over cover is £2,500

                                                                                                                                              £15,000

                                                                                                                                              If aged 15 or under or 65 and over cover is £2,500

                                                                                                                                                Optional extras and additional covers

                                                                                                                                                You can choose to add the optional extras and additional cover below for an extra cost. Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.

                                                                                                                                                  Winter sports cover

                                                                                                                                                  Winter sports cover table

                                                                                                                                                  Features

                                                                                                                                                  Economy

                                                                                                                                                  Standard

                                                                                                                                                  Premier

                                                                                                                                                  Ski equipment (owned)

                                                                                                                                                    £500

                                                                                                                                                    Single article limit of £500

                                                                                                                                                      £1,000

                                                                                                                                                      Single article limit of £500

                                                                                                                                                        £1,500

                                                                                                                                                        Single article limit of £500

                                                                                                                                                          Ski equipment (hired)

                                                                                                                                                          Cover for loss, theft or damage to ski equipment you have hired.

                                                                                                                                                            £300

                                                                                                                                                              £300

                                                                                                                                                                £300

                                                                                                                                                                  Ski equipment hire

                                                                                                                                                                  If you need to hire equipment if yours is lost, stolen or damaged.

                                                                                                                                                                    £300

                                                                                                                                                                    £25 per day

                                                                                                                                                                      £300

                                                                                                                                                                      £25 per day

                                                                                                                                                                        £300

                                                                                                                                                                        £25 per day

                                                                                                                                                                          Piste closure

                                                                                                                                                                            £300

                                                                                                                                                                            £30 per day

                                                                                                                                                                              £300

                                                                                                                                                                              £30 per day

                                                                                                                                                                                £500

                                                                                                                                                                                £50 per day

                                                                                                                                                                                  Golf cover

                                                                                                                                                                                  Travel insurance golf cover

                                                                                                                                                                                  Features

                                                                                                                                                                                  Economy

                                                                                                                                                                                  Standard

                                                                                                                                                                                  Premier

                                                                                                                                                                                  Golf equipment

                                                                                                                                                                                    £500

                                                                                                                                                                                    Single article limit of £200

                                                                                                                                                                                      £1,500

                                                                                                                                                                                      Single article limit of £300

                                                                                                                                                                                        £3,000

                                                                                                                                                                                        Single article limit of £500

                                                                                                                                                                                          Green fees

                                                                                                                                                                                          If you are unable to play

                                                                                                                                                                                            No cover

                                                                                                                                                                                              £300

                                                                                                                                                                                              £30 per day

                                                                                                                                                                                                £500

                                                                                                                                                                                                £50 per day

                                                                                                                                                                                                  Equipment hire

                                                                                                                                                                                                  If you are unable to play

                                                                                                                                                                                                    No cover

                                                                                                                                                                                                      £300

                                                                                                                                                                                                      £30 per day

                                                                                                                                                                                                        £500

                                                                                                                                                                                                        £50 per day

                                                                                                                                                                                                          Cruise cover

                                                                                                                                                                                                          Features

                                                                                                                                                                                                          Economy, Standard and Premier

                                                                                                                                                                                                          Missed port departure

                                                                                                                                                                                                            £1,000

                                                                                                                                                                                                              Cabin confinement

                                                                                                                                                                                                                £1,000

                                                                                                                                                                                                                £100 per 24 hours up to £1,000

                                                                                                                                                                                                                  Low/High Water

                                                                                                                                                                                                                    £500

                                                                                                                                                                                                                    £100 per incident up to £500

                                                                                                                                                                                                                      Shore excursions cover

                                                                                                                                                                                                                        £500

                                                                                                                                                                                                                          Gadget cover

                                                                                                                                                                                                                          Cover for your gadgets including mobiles, e-readers, tablets and smartwatches if they’re lost, stolen or damaged.

                                                                                                                                                                                                                          Gadgets must be bought new or used from a UK VAT registered company (or, if bought overseas, a company with the equivalent tax registration), bought second hand, or gifted to you. To make a claim you must have valid proof of purchase. A £50 per person excess applies to all claims.

                                                                                                                                                                                                                          Features

                                                                                                                                                                                                                          Economy, Standard and Premier

                                                                                                                                                                                                                          Gadgets

                                                                                                                                                                                                                            £3,000

                                                                                                                                                                                                                              Collision Damage Waiver (CDW) Excess cover

                                                                                                                                                                                                                              Cover the excess you’d pay if your hire car is damaged or stolen up to £10,000 per incident or in total over the duration of your policy.

                                                                                                                                                                                                                              Adding this will cover the excess you’re liable for if you make a claim on the car hire excess waiver insurance provided by your car rental company. Limits apply, please see the table below for further details of cover available.

                                                                                                                                                                                                                              Features

                                                                                                                                                                                                                              Economy, Standard and Premier

                                                                                                                                                                                                                              Excess or Deposit reimbursement

                                                                                                                                                                                                                                Up to max £10,000 per claim

                                                                                                                                                                                                                                  Lock out

                                                                                                                                                                                                                                    Up to a maximum of £100 per claim

                                                                                                                                                                                                                                      Vehicle hire key cover

                                                                                                                                                                                                                                        Up to a maximum of £500 per claim

                                                                                                                                                                                                                                          Misfuelling

                                                                                                                                                                                                                                            Up to a maximum value of £500 per claim

                                                                                                                                                                                                                                              Travel Insurance frequently asked questions

                                                                                                                                                                                                                                              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.

                                                                                                                                                                                                                                                    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 *.

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

                                                                                                                                                                                                                                                        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 AWP P&C S.A.

                                                                                                                                                                                                                                                          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: 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.

                                                                                                                                                                                                                                                            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.

                                                                                                                                                                                                                                                                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.

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

                                                                                                                                                                                                                                                                  If you have a Tesco Travel Insurance policy you will be automatically covered for accidental loss, theft or damage to your Personal Belongings and money including valuables.

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

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

                                                                                                                                                                                                                                                                    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.

                                                                                                                                                                                                                                                                      You should contact the Emergency Medical Helpline as soon as you can for any advice and to arrange assistance.

                                                                                                                                                                                                                                                                      If minor treatment, you should pay any bills yourself and keep the receipts as this will be required as evidence if a claim is submitted.

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

                                                                                                                                                                                                                                                                      Emergency Medical Assistance: 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.

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

                                                                                                                                                                                                                                                                          Need a different type of cover for your trip?

                                                                                                                                                                                                                                                                          We also have Single Trip cover and cover designed for Backpackers.

                                                                                                                                                                                                                                                                              Policy and additional cover documents

                                                                                                                                                                                                                                                                              View and download policy-related documents and other important cover information.

                                                                                                                                                                                                                                                                                How we collect and use your personal data

                                                                                                                                                                                                                                                                                Tesco Personal Finance PLC (trading as Tesco Insurance) acts as an intermediary for this policy and partner with Rock Insurance Services Limited (ROCK) to arrange and administer Tesco Travel Insurance. ROCK partner with:

                                                                                                                                                                                                                                                                                • AWP P&C S.A (AWP P&C) to underwrite Tesco Travel Insurance policies purchased on or after 4 September 2024AWP P&C S.A (AWP P&C) to underwrite Tesco Travel Insurance policies purchased on or after 4 September 2024
                                                                                                                                                                                                                                                                                • Inter Partner Assistance S.A. (IPA) to underwrite Tesco Travel Insurance policies purchased prior to 4 September 2024Inter Partner Assistance S.A. (IPA) to underwrite Tesco Travel Insurance policies purchased prior to 4 September 2024
                                                                                                                                                                                                                                                                                • AmTrust Europe Limited (AmTrust) to underwrite Tesco Travel Insurance Gadget CoverAmTrust Europe Limited (AmTrust) to underwrite Tesco Travel Insurance Gadget Cover

                                                                                                                                                                                                                                                                                Tesco Insurance will receive data from ROCK. ROCK will process and share data with AWP P&C, IPA & AmTrust Europe Limited (where applicable) to underwrite your policy and process claims. You can find out more about how these firms process and share your data via: