Travel Insurance

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.

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.

If you want to insure a traveller who is 80 years old or over, you may be able to find cover through the Money and Pensions Scheme (MaPS), which has a directory listing companies that might be able to help you.

We can insure some pre-existing medical conditions. If you have a pre-existing medical condition that we can’t cover, the Money and Pensions Scheme (MaPS) has a directory listing companies that might be able to help you. You can also contact them on 0800 138 7777.

Although our policies cover a broad range of scenarios, we can't cover every eventuality, so please see the list below for some of the things that aren't included:

It’s important that you review the full policy document for your Travel Insurance policy. It contains details of cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.

Data may be obtained from and shared with the wider Tesco Group, credit reference agencies and fraud prevention agencies on an ongoing basis.

We will carry out a soft credit search with TransUnion when generating a quote for you. We do this to assess whether we think you can afford to take the product. If you buy a policy and choose to pay monthly, this search will become visible to other credit providers.

Information on how your data is collected and how your personal data is used (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice.

Tesco Personal Finance Ltd takes the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our privacy notice.

We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase; or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.

We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out financial and insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.

We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.

Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK Residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you on an ongoing basis.

By proceeding with your application you acknowledge we can use your data in this way.

Please see our privacy notice if you would like to know more.

If you are unable to return home as planned due to the conflict and your trip will exceed the maximum trip limit on your policy, we will extend your cover period for free until you can do so. You do not need to contact us to extend the duration of your trip as this will be standard for all customers who have been unable to return home from the affected areas.

If you are in the affected area, please continue to follow the advice of the Foreign, Commonwealth & Development Office (FCDO), local authorities and your airline or tour operator. The FCDO website also allows you to 'Register your Presence' to receive direct updates - Foreign Office travel advice updates - GOV.UK.

If you have not yet travelled and cannot because of this conflict, for example, if your operator/carrier has cancelled your flight, please contact your tour operator or travel provider for a full refund. If your travel company cannot refund your money, you may be able to ask them to rearrange your holiday destination or date.

You have Consumer Protection cover if your travel arrangements were purchased using a credit card and cost £100 or more. You may also request a chargeback from your bank if you purchased your travel arrangements by Debit card. In this instance, contact your bank or credit card issuer as an alternative avenue for a refund.

If you choose to cancel your trip of your own accord, your policy will not cover you for any cancellation costs that you could incur. Please refer to your policy wording document for details of the cover provided.

If you have bought a single trip policy and you would like to travel to another destination or on another date, please contact our Customer Services team on 0345 030 6124 (Monday to Friday – 8.30am to 6pm, Saturday 9am to 5pm) so that the appropriate changes can be made for you. An additional premium may be payable for any increase in trip duration or change in destination country.

Our travel insurance policies contain a general exclusion relating to war and similar events. This exclusion states that the policy does not cover:

"Any consequence of war, invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power."

As a result, where claims arise directly or indirectly from these types of events, cover under the policy may be limited or not available.

This means that if your claim is connected to the ongoing conflict, it is likely that the above exclusion will apply. Any claim not relating to the conflict will be considered based on the specific circumstances in line with the terms and conditions of your policy. If you need to make a claim, please contact our Claims Team who will be happy to help. You can register your claim online here at https://allianz-protection.com (submit online 24 hours a day) or call the team on 0345 641 9751 (call Monday to Friday – 9am to 5pm) As you’d expect we are experiencing unprecedented levels of calls, so answer times might be longer than usual.

If you have not yet purchased Travel Insurance, it is important to note that Tesco Travel Insurance does not provide cover if you are purchasing insurance to travel to a country where the FCDO is advising against all but essential travel. Please see the FCDO website for current advice about the specific country you are travelling to.

If you need help in a medical emergency, you can call our helpline 24/7 on +44 0208 603 9752.