Cruise Travel Insurance.
Add Cruise Cover to your Travel Insurance policy for extra cover. From the time you set sail to your voyage at sea.
Clubcard Prices: Only when you buy direct. Clubcard required. Excludes add-ons.
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).
Whether you’re booking a short cruise around the UK or an extended ocean voyage, Tesco Travel Insurance offers an optional cruise cover add-on at an additional cost to your travel insurance policy. This includes cover for:
- Missed port of departure, helping you catch up with your cruise
- Compensation if you’re confined to your cabin because of illness
- Payment if a scheduled port visit is cancelled due to adverse weather or timetable restrictions
- Excursions that are unused due to accident or illness
Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.
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What is cruise travel insurance?
Cruise travel insurance - or Cruise Cover - is a travel insurance add-on for holidays at sea. It covers the kind of things that can happen on a cruise that won’t be covered by your standard travel insurance policy.
You can add Cruise Cover when you apply for Tesco Travel Insurance. It costs extra and means you’ll have extra cruise-related benefits.
What does the Cruise add-on 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 |
Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.
Do I need optional Cruise Cover?
Tesco Travel Insurance provides cover for your cruise holiday as standard. That includes medical cover, lost documents, baggage and missed port of departure.
However, you won’t be covered for other things that can happen on a cruise. For example, cabin confinement or missed port of call. So it could help to have extra cover with cruise-specific features.
Your tour operator might also expect you to have travel insurance for cruises. So it’s worth checking when you book your trip.
What does cruise travel insurance cover?
With our Cruise Cover add-on, you’ll get cruise specific cover alongside your standard holiday cover. That includes:
1. Missed port of call - if the ship doesn’t stop at a scheduled port because of bad weather or timetable restrictions
2. Cabin confinement - if you’re told to stay in your cabin because of illness
3. Shore excursion cover - if you don’t go on an excursion because of accident or illness
The exact amount you’re covered for depends on the level of cover you have - Economy, Standard or Premier.
Monetary limits, excesses and exclusions apply. So it’s best to check the policy booklet for full details.
Please note:
1. Missed port of departure is included as part of your standard cover - helping you to catch up with your cruise.
2. We won't pay for losses caused by the same event under more than one of the following types of cover:
- Low/High WaterLow/High Water
- Missed Port of CallMissed Port of Call
- Travel DelayTravel Delay
What isn’t covered by cruise travel insurance?
Here are some of the things that aren’t covered with our Cruise Cover add-on:
- any claim where you can’t provide evidence about your lossany claim where you can’t provide evidence about your loss
- things you knew about before you bought your cover, or at the time you booked your trip, whichever is laterthings you knew about before you bought your cover, or at the time you booked your trip, whichever is later
- pre-existing medical conditions, unless we’ve agreed to cover thempre-existing medical conditions, unless we’ve agreed to cover them
- any trip taken on board a cargo shipany trip taken on board a cargo ship
- costs paid for using a reward scheme - except for Tesco Clubcard points, which we’ll arrange to replace (subject to any excess)costs paid for using a reward scheme - except for Tesco Clubcard points, which we’ll arrange to replace (subject to any excess)
If you buy Tesco Travel Insurance without adding Cruise Cover, you won’t have cover for any cruise-specific situations. For example, missed port of call or cabin confinement.
For a full list of terms, conditions and exclusions, please see the policy booklet.
If you have a pre-existing medical condition, it’s important to tell us about it when you buy your travel insurance. If you don’t, and you need treatment while you’re away, you might not be covered for it.
If we agree to cover you with a pre-existing condition, we might charge you extra for it.
Important: after you buy your policy, you must tell us if there’s a change in the health of any traveller. You need to do this as soon as possible - before you book any cruise trips or go on a cruise holiday.
You can learn more about travel insurance and medical conditions in our guide:
The cost of Tesco Travel Insurance with Cruise Cover depends on a few things. Including:
- your age
- where you’re travelling to - Europe or worldwide
- the level of cover you choose - Economy, Standard or Premier
- pre existing medical conditions
- whether you’re insuring one person, a couple or a family
- the optional extras you add - you can choose Cruise Cover, Gadget Cover and Winter Sports Cover
Some little helps for your cruise
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24/7 helpline available in case of medical emergencies. -
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Unlimited cover for medical expenses and repatriation costs. An additional premium may be required to cover any pre-existing medical conditions or add-ons. -
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Get an increased cash cover limit if you buy your travel money from Tesco Travel Money.
Choosing your travel insurance policy
Whether you’re only planning on one cruise in the next year, or have a couple on the horizon, you can find the right travel insurance policy for you.
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.
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.
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.