Annual Multi Trip Insurance
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 Specialty Limited (AmTrust).
Why choose Tesco Travel Insurance?
24/7 emergency helpline
Call the helpline if you have a medical emergency while you’re away.
Unlimited medical cover
For medical expenses and repatriation costs. You might need to pay more to cover pre-existing medical conditions or add-ons.
Travel Money boost
Get a higher cash limit with your cover if you buy from Tesco Travel Money.
5-star rated by Fairer Finance
Fairer Finance carry out research on financial products to help people make more informed decisions and get a better deal. Tesco Travel Insurance has a 5-star rating.
Compare cover levels
Monetary limits, excesses and exclusions apply, please see the policy booklet for more information. The maximum limits payable are shown below.
|
Features |
Economy |
Standard |
Premier |
|---|---|---|---|
|
Fairer Finance rating |
|
|
|
|
Excess |
£99 per person |
£75 per person |
No excess |
|
Cancellation or cutting |
£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 |
|
|
|
|
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
|
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
|
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 |
Premier |
|---|---|---|---|
|
Missed port departure |
£500 |
£1,000 |
£1,500 |
|
Missed port of call |
£1,000 £100 per missed port up to £1,000 |
£1,000 £100 per missed port up to £1,000 |
£1,000 £100 per missed port up to £1,000 |
|
Cabin confinement |
£1,000 £100 per missed port up to £1,000 |
£1,000 £100 per missed port up to £1,000 |
£1,000 £100 per missed port up to £1,000 |
|
Low/High water |
£500 £100 per incident up to £500 |
£500 £100 per incident up to £500 |
£500 £100 per incident up to £500 |
|
Shore Excursions cover |
£500 |
£500 |
£500 |
|
Denied boarding cover |
£200 |
£200 |
£200 |
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 |
The power to get holiday cover for less
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 your quote.
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:
- you are diagnosed with a new medical condition;
- you experience new or recurring symptoms or have an undiagnosed condition;
- your doctor or other medical professional make any changes to your prescribed medication including the dosage;
- you receive in-patient medical treatment; or
- you are placed on a waiting list for investigation or medical treatment;
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.
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.
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 Ltd (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 Specialty Limited (AmTrust) to underwrite Tesco Travel Insurance Gadget CoverAmTrust Specialty 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 Specialty 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:
- AWP P&C in the ‘Privacy Notice’ of the Policy Wording document and Allianz Assistance website
- IPA on the AXA Assistance website
- AmTrust website