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

24/7 helpline available in case of medical emergencies.
Get an increased cash limit as part of your cover if you buy from Tesco Travel Money.
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
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
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

See all features

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

I already have a Tesco Travel Insurance policy but have been diagnosed with a new medical condition. What should I do?

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.

Does Tesco Travel Insurance cover my existing medical conditions?

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.

Do you cover activities and sports that I may want to do on holiday?

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.

With Tesco Travel Insurance, do you cover cruise holidays?

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 Inter Partner Assistance S.A. UK Branch.

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.

View documents

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:

Tesco Insurance Privacy Notice

ROCK Privacy Notice (294kb, PDF)

AWP P&C in the ‘Privacy Notice’ of the Policy Wording document and Allianz Assistance website
IPA on the AXA Assistance website
AmTrust website