Backpacker Travel 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).
.jpg)
Get 20% off Travel Insurance - for a limited time
Save more with your Clubcard in our winter sale. Only when you buy direct.
Excludes add-ons. Offer ends 30 January 2026. T&Cs apply.
Why choose Tesco Travel Insurance?
24/7 emergency helpline
Call the helpline if you have a medical emergency while you’re away.
Talk to a doctor remotely
Talk to an English-speaking doctor by phone or video call 24 hours a day.
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 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 |
Backpacker Economy |
Backpacker Premier |
|---|---|---|
|
Fairer Finance rating |
|
|
|
Excess |
£99 per person |
No excess |
|
Cancellation or cutting |
£1,000 |
£10,000 |
|
Emergency Medical Expenses |
£10 million |
£20 million |
|
Emergency dental |
£250 |
£1,000 |
|
Inpatient benefit |
£500 £20 a day |
£1,000 £50 a day |
|
Virtual doctor |
|
|
|
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 Travel Money 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 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 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 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
20% off Travel Insurance offer
- Not to be used in conjunction with any other offer (offer replaces standard Clubcard pricing during the offer period).Not to be used in conjunction with any other offer (offer replaces standard Clubcard pricing during the offer period).
- The Clubcard must be in your name.The Clubcard must be in your name.
- Offer is not available for purchases made through any price comparison website.Offer is not available for purchases made through any price comparison 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.