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).
Use your Clubcard vouchers on Tesco Travel Insurance
Tesco Travel Insurance is a Clubcard Reward Partner. Get £1 towards Travel Insurance for every £1 in Clubcard vouchers.
Exchange your Clubcard vouchers for a Reward Partner code after you get your quote. And then use it to pay, or part-pay, for your travel insurance.
Minimum redemption £5. How it works - T&Cs.
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.
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 |
What is Annual Multi Trip Travel Insurance?
Our Annual Multi Trip Travel Insurance provides cover for any number of trips you’re taking in the next 12 months. By contrast, a Single Trip Travel Insurance policy will only cover you for one trip in the next 12 months.
Tesco Travel Insurance can help to protect you in case the unexpected happens - both before and during your holidays. So you’re not left stranded or out of pocket if something goes wrong.
Bear in mind, your cancellation cover starts from the start date of your policy.
Why buy Annual Multi Trip Travel Insurance?
If you’re taking more than one trip in the next year, an Annual Multi Trip policy might be more convenient. And it could be more cost-effective as well.
- Easier for you. Cover all your trips in the next 12 months with one policy. Easier for you. Cover all your trips in the next 12 months with one policy.
- Better value if you travel more. The more trips you take, the more you could save.Better value if you travel more. The more trips you take, the more you could save.
- Cover for whenever you’re away. Covers short breaks abroad, business trips and family holidays.Cover for whenever you’re away. Covers short breaks abroad, business trips and family holidays.
What does annual travel insurance cover?
Annual Multi Trip Travel Insurance provides the same cover as a Single Trip policy. It covers most types of trip you might take - for example, a short break abroad, a business trip or a big family holiday. And cover includes:
- unlimited medical cover, if you buy direct from Tesco Insuranceunlimited medical cover, if you buy direct from Tesco Insurance
- emergency dental coveremergency dental cover
- lost or stolen travel documentslost or stolen travel documents
- lost luggage or personal belongingslost luggage or personal belongings
- baggage delay, on your outward journey only (minimum delay period 12 hours)baggage delay, on your outward journey only (minimum delay period 12 hours)
- cancelled or delayed flightscancelled or delayed flights
- personal liability (policy terms and conditions apply)personal liability (policy terms and conditions apply)
You can choose from 3 levels of cover - Economy, Standard or Premier. Whichever one you decide on will determine your cover limits and excesses.
You can also customise your cover with optional extras for an additional cost. For example, you can add Gadget Cover to get extra cover for phones, tablets and digital cameras. Or, if you’re going on a specific kind of trip, Winter Sports Cover and Cruise Cover.
To find out exactly what you’re covered for, it’s always best to check the policy booklet.
How much does annual travel insurance cost?
The cost of Annual Multi Trip Travel Insurance depends on a few things. For example:
- your ageyour age
- where you’re travelling to - Europe or worldwidewhere you’re travelling to - Europe or worldwide
- the level of cover you choose - Economy, Standard or Premierthe level of cover you choose - Economy, Standard or Premier
- pre existing medical conditionspre existing medical conditions
- whether you’re insuring one person, a couple or a familywhether you’re insuring one person, a couple or a family
- whether you want to add any optional extras - like Gadget Cover, Winter Sports Cover or Cruise Coverwhether you want to add any optional extras - like Gadget Cover, Winter Sports Cover or Cruise Cover
The simplest way to see the price is to get a quick quote online. And don’t forget, you can save money on Tesco Travel Insurance with your Clubcard.*
*Only when you buy direct. Excludes add-ons.
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 |
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.
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
Important information
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.
- Please make sure that the information you provide is accurate for each traveller. If the information you provide isn’t accurate, we may reduce or reject your claim, or cancel your policy without a refund.
- We'll search our records for your Tesco Clubcard number, and we may access and use information (including transactional information, name and address) from your Tesco Clubcard account. This will help us and your insurer to assess your premium and will only be used to make a positive impact on your premium.
Please make sure all of the following statements are true before continuing with the quote:
- You are a resident of and are registered with a doctor in the UK, Channel Islands or Isle of Man.
- Your trip starts and ends in the UK, Channel Islands or Isle of Man.
- You have not spent more than 183 days abroad during the 12 months before this policy was issued or your trip was booked (whichever is later).
- You are buying this policy before you leave the UK, Channel Islands or Isle of Man for your trip.
- You are not travelling with the intention of receiving medical treatment.
- You are not travelling against the advice of a doctor.
- Everyone covered on this policy is under the age of 80.
- You have not already purchased a policy to cover you for this duration, and you intend to travel with this policy still active.
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:
- Pre-existing medical conditions unless declared and cover accepted.
- Travelling against medical advice or with the intention of obtaining medical treatment abroad.
- Certain hazardous sports and activities may not be covered under this policy – see policy wording for details.
- Circumstances you were aware of before your policy was issued or journey was booked (whichever is the later) that might result in a claim.
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.