Backpacker Travel Insurance

When dreams of exploring continents, not just countries, become reality.

Designed for a longer single trip up to 18 months, often to multiple countries. You may find this type of cover is right for you if you’re planning a gap year or career break if you’re under the age of 50.

  • Choose from Economy or our 5 Star Defaqto rated Premier cover. Monetary limits, excesses and exclusions apply.
  • 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 your quote.
  • Access an English-speaking doctor virtually or by telephone appointment should you need it

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

      • Clubcard
        24/7 helpline available in case of medical emergencies.
      • Money
        Get an increased cash limit as part of your cover if you buy from Tesco Travel Money.
      • Face icon
        Access an English-speaking doctor virtually or by telephone.

      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

      Backpacker Economy

      Backpacker Premier

      Defaqto rating

          Defaqto 4 star logo

            Defaqto 5 star logo

            Excess

              £99 per person

                No excess

                  Cancellation or cutting
                  short your trip

                    £1,000

                      £10,000

                        Emergency Medical Expenses

                          Unlimited

                            Unlimited

                              Emergency dental

                                £250

                                  £1,000

                                    Inpatient benefit

                                      £500

                                      £20 a day

                                        £1,000

                                        £50 a day

                                          Virtual doctor

                                              Yes
                                                Yes

                                                Missed departure

                                                  £500 outbound

                                                    £1,500

                                                      Travel delay

                                                        £500

                                                        £20 per day

                                                          £1,000

                                                          £50 per day

                                                            Baggage

                                                              £1,000

                                                              Single article limits of £250

                                                                £3,000

                                                                Single article limits of £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

                                                                    £50 per 24 hours

                                                                      £1,500

                                                                        Personal money

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

                                                                          £250

                                                                          Cash limit of £100

                                                                            £750

                                                                            Cash limit of £375

                                                                              Loss of travel documents

                                                                                £250

                                                                                  £500

                                                                                    Legal expenses and assistance

                                                                                      £25,000

                                                                                        £25,000

                                                                                          Personal liability

                                                                                            £2 million

                                                                                              £2 million

                                                                                                Personal total disablement or loss of limb / eye

                                                                                                  £10,000

                                                                                                    £30,000

                                                                                                      Death

                                                                                                        £5,000

                                                                                                          £15,000

                                                                                                            Additional cover

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

                                                                                                            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

                                                                                                            Backpacker Economy and Backpacker Premier

                                                                                                            Gadgets

                                                                                                              £3,000

                                                                                                                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 as well as Annual Multi Trip cover for multiple trips in a year.

                                                                                                                                                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: