tesco travel health insurance

Tesco Bank launches Travel Insurance

23 March 2021

• Travel added to Tesco Bank’s award-winning insurance range that includes Pet, Home and Car
• Protection against Covid-19 related disruption as standard
• Three levels of Defaqto-rated cover are available, as well as optional extras and add-ons
• Tesco Clubcard points and a discount are available to Tesco Clubcard members

Tesco Bank has expanded its offering to customers with the launch of travel insurance.

Tesco Bank Travel Insurance will include Covid-19 cover as standard, to help protect customers who test positive and experience Covid-19 related disruption, either before or during their trip.

Three tiers of cover are available to suit a range of customer needs, offering different levels of protection for travel and belongings.  All policies come with core features that include cover for medical expenses, trip cancellation or delays, and lost or stolen baggage or money.

Customers can also tailor their policy with a range of helpful optional extras and add-ons, such as gadget protection and Winter Sports Cover.

Two specialist products are available aimed at backpacker travellers and customers aged over 80.

Policyholders will enjoy helpful rewards, including the ability for children under 16 to be covered for free on single and annual multi trip policies and the chance to save money on their travel insurance when they buy Tesco Travel Money first. Tesco Clubcard members who buy direct can save 5% and collect Clubcard points when they provide their Clubcard number.

Mark Airey, Tesco Bank’s Insurance Commercial Director, said:

“We’re proud to expand our award-winning insurance offering to Tesco shoppers with the addition of Tesco Bank Travel Insurance.

“We appreciate that the immediate outlook for travel remains uncertain, however the need for travel insurance is greater than ever – whether holidaying in the UK or abroad.  Offering Covid-19 protection as standard helps to give customers peace of mind they are protected should they test positive, and they have to cancel or cut short their trip.

“With a range of cover levels available to Tesco shoppers, we’re confident customers will find a policy that suits them and their holiday once travel at home and abroad is permitted.”

Tesco Bank has partnered with ROCK Insurance Group to manage the scheme, while ROCK has selected Axa Partners to provide underwriting, claims handling and medical assistance services.

Antony Martin, Managing Director at Rock Insurance Group said : “We are incredibly excited to be partnering with Tesco Bank to launch travel insurance to its customers. ROCK is providing Tesco Bank’s customers with a wide range of travel insurance products and services that are available online or via a dedicated call centre, meaning that more people will be protected and have the confidence to travel as soon as restrictions have eased.”

Paul Moloney, Sales Director at AXA Partners said : “We’re delighted to announce our new partnership with Tesco Bank to provide underwriting and other services for its new travel insurance proposition.

“It is our duty as insurers to safeguard customers’ trust; implementing solutions that provide assurance and protect what matters. We very much look forward to providing Tesco Bank customers with quality travel insurance cover both now, and when we are free of this pandemic.”

Tesco Bank Travel Insurance can be purchased by visiting https://www.tescobank.com/travel-insurance/  

Notes to editors

• Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.
• Monetary limits, excesses and exclusions apply to cover.
• Covid-19 cover includes cancellation if you fall ill with Covid-19, medical claims whilst travelling, and curtailment (if you need to come home early) due to the illness of a close relative due to COVID-19 We don’t include cover for cancellation where the Foreign, Commonwealth & Development Office and local authorities advise against travel.
• Cover can be purchased on a single trip or annual basis and will be available to individuals, couples, families and groups of up to 12.
• Backpacker insurance is aimed primarily at travellers looking for cover for trips longer than three months or a variety of destinations, while the Later Life policy is designed for customers over 80 years old who may find it difficult to obtain cover due to pre-existing health conditions.

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Tesco Travel Insurance Review: How do Prices Compare?

• Getting a Tesco Clubcard discount
• Covering end supplier failure and virtual doctor acces (top-tier Premier Plan)
• Good add-on options
• Mobile phone only covered if you get the gadget add-on

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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Tesco travel insurance offers 3 tiers of cover, from a bare bones Economy plan to their top-rated Standard and Premier covers. Here's what you need to know about what they offer.

In This Review

Tesco holiday insurance key points, is tesco travel insurance any good.

• Tesco Cruise Insurance

Tesco Holiday Insurance Price Comparison

Tesco holiday insurance types - economy, standard premier, tesco travel insurance vs admiral travel insurance, tesco travel insurance vs saga travel insurance, tesco travel insurance vs direct line travel insurance, tesco travel insurance phone number, tesco holiday insurance.

Tesco offers three levels of Annual and Single Trip travel insurance—Economy, Standard and Premier, which are underwritten by Inter Partner Assistance (par of the AXA group).

Trip cancellation is included on all policies, in addition to emergency medical expenses and travel delay.

The higher tiers include higher coverage limits and the top tier include access to a virtual doctor and end supplier failure, which can be a valuable feature.

Here are some key points:

• 3 levels of cover (Economy, Standard and Premier)
• Multi-trip cover for any number of trips up to 31 days each
• Single-trip cover for trips up to 365 days
• 10% Tesco Clubcard discount when you buy direct (enter your Clubcard number when you get your quote)
• Top-tier Premier policy includes end supplier failure and access to a virtual doctor
• Optional extras: winter sports, golf, gadgets, cruise and car hire excess insurance cover
• Covid cover includes : if you have to cancel or cut short your trip as a result of contracting COVID-19; medical treatment if you contract COVID-19 abroad; if you’ve got to return home early because the region you’re in goes into lockdown.

Does Tesco Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Tesco Annual Multi-Trip policies, so long as you pre-booked at least 2 consecutive nights of pre-booked accommodation or pre-booked transport at least 50 miles from home.

Pre-Existing Conditions: Tesco may be able to offer cover for some pre-existing medical conditions, for an added cost in most cases. If Tesco is not able to offer cover for your pre-existing conditions, then claims arising as a result of those existing conditions would not be covered. As part of the quote process you will be asked a number of questions about the health of you and your travelling companions.

Over 65s: The policy booklet states that the age limit for single and annual multi trip policies is 79 years old, with a max of 65 years for the winter sports add on. However, those 80 or older can call 0345 030 6127 to discuss a quote over the phone.

Tesco prices seem competitive relative to others in the market, considering the features. While their claims figures for 2021 left us with some questions, figures for 2022 look more promising. , has lower claims acceptance rates. The latest data from the Financial Conduct Authority shows that their underwriter, Inter Partner Assistance SA, accepted 70-75% of claims made on annual European policies in January to December 2022, just a touch below the industry average of 76.15%. In terms of worldwide policies, it accepted 80-85% of claims (much better than the 60-65% the previous year), just on target with the industry average of 81.56%.

Does Tesco Travel Insurance Cover Cruises?**

Cruise cover is available with Economy, Standard and Premier Tesco travel insurance policies as an optional add-on for an additional cost. Over 80s who buy Later Life travel insurance get cruise cover included as standard for no additional cost.

We gathered Tesco travel insurance quotes for a solo 30-year-old traveller, for single trip cover (2 week trip) and annual, multi-trip cover, across a range of geographical locations, and found prices starting from under £40 for a 2-week trip.

Oddly, we found that annual, multi-trip cover was in some cases cheaper than single trip cover, so if you think you can save money buying single trip cover be sure to check annual prices as well!

For example , single trip cover for a 2-week trip to France was quoted at £39.94, but an annual policy cover Europe was only £27.65, clearly the better deal there.

According to our research, prices of Tesco's provide good value according to the average cost of travel insurance .

Unsurprisingly, Tesco's Premier travel insurance is noticeably more expensive—Premier policies not only include higher levels of cover for baggage, trip cancellation, etc. but also include end supplier failure and virtual doctor access.

Not reflected in these prices is a 10% discount for Tesco Clubcard holders. You need your Tesco Clubcard membership number on hand when applying online to get the discount.

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this data for general educational purposes only; your quotes may reflect a large degree of variation.

You can learn more about average costs for these locations in our other research on UK travel insurance costs for Europe and America .

Cover for a family of 4 is basically 2X the cost of cover for a solo traveller, because kids go free!

Tesco offers three tiers of travel insurance—Economy, Standard and Premier.

Optional extras that you can add on to all three tiers include winter sports, golf, cruise, gadget and car hire excess insurance cover.

Tesco Single Trip travel insurance covers trips up to 365 days abroad. Tesco Annual Multi-Trip policies cover any number of trips a policy year, up to 31 days each. Those under age 65 can extend the maximum trip duration to 45 or 60 days for an extra charge. There is a 15-day maximum trip length for Winter Sports trips, if that option is purchased.

Tesco Economy

Economy is Tesco's entry-level travel insurance plan. Emergency Medical expenses and Travel Delay are included, plus you get £1,000 per person for Trip Cancellation.

However, there's no cover for end supplier failure, no cover for missed inbound departures, no access to a virtual doctor and lower limits for most coverage categories across the board.

The excess is £99 per person.

Tesco Standard

As Tesco's solid mid-tier offering, Standard policies have similar features to the Economy plan, but offer cover for missed inbound departures and higher limits across most coverage categories.

The excess is £75 per person.

Tesco Premier

Tesco Premier is the top-tier travel insurance plan with the highest levels of cover across nearly all categories. Additional cover includes end supplier failure and access to a virtual doctor.

Another perk is that there is no excess with Premier plans if you have a successful claim.

Cover Limits (Single & Annual Multi-Trip) per Insured Traveller

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

Tesco Travel Insurance Reviews

To better understand the value of Tesco travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Admiral travel insurance offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection.

Those looking for cover for catastrophes (e.g., volcanic ash cloud and storms) should consider one of Admiral's top two tiers—Gold or Platinum.

If your plans include a cruise in the next year, then Admiral offers comprehensive Cruise cover for an added cost (included on Platinum), which includes Missed Port Departure, Cabin Confinement, Unused Excursions and Cruise Interruption. Insolvency is not covered on Admiral plans, however.

Bottom Line: If your travel plans include a cruise, then Admiral might provide more comprehensive travel insurance for you—but you can buy cruise cover as an add on with Tesco.

Saga travel insurance if offered as one, simple travel insurance plan to those over 50 years of age—with no upper age limit.

We like that Saga includes cover for Catastrophe and a higher level of Personal Belongings/Baggage cover on all policies, plus Golf.

Another perk is that travellers whose international flight is delayed more than 2 hours can benefit from access to a LoungeKey airport lounge, as part of Trip Delay cover.

While travellers can be covered of any age, prices do rise steadily for older customers.

Bottom Line: If you are an older traveller, especially in your 70s or 80s, Saga may be a more viable travel insurance option for you, as they specialize in "mature" travellers.

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure.

While prices are a bit higher than average, according to our analysis, you are getting these extra cover features.

One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard—BUT once purchased, your mobile phone will be covered as part of Personal Belongings/Baggage.

Bottom Line: If you really want cover for your mobile phone when you travel, you can get cover through Direct Line's optional Baggage cover.

• Tesco travel insurance online claim form
• Tesco Travel Insurance Policy Wording

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Tesco Bank launches travel insurance with Covid cover

The british retail bank has teamed up with rock insurance group to administer the scheme, with axa partners providing the underwriting, claims handling and medical assistance services.

Tesco is getting in on the travel insurance market action with its latest Covid-related travel insurance offering available across its standard policy, its backpacker policy and its later life policy.

All of the policies provide travellers with cover for medical expenses, trip cancellation or delays, and lost or stolen baggage or money. In addition, travellers can also tailor their policy (which can be purchased on either a single- or annual-trip basis) with a range of add-ons, including gadget protection and winter sports cover.

Covid cover

In terms of Covid cover, the policies offer cover for:

• Trip cancellation should the traveller contract Covid before departure, be contacted by the NHS Track and Trace service and be unable to travel, be denied boarding a plane due to having Covid symptoms (including a temperature caught in routine screening of travellers), or need to cancel due to receiving host family members needing to self-isolate.
• Medical treatment, costs for quarantining and return transportation expenses should the travellers fall ill with Covid while overseas.
• Payout should a traveller need to return early because their destination enters lockdown or because a close relative has fallen ill.

Tesco Bank notes that it won’t cover travellers for cancellation of their trip if the Foreign, Commonwealth and Development Office or local authorities advise against all travel or all but essential travel; if official advice changes while you are away; or if they decide to cancel their trip due to no longer wanting to travel.

Mark Airey, insurance commercial director at Tesco Bank, commented: “We appreciate that the immediate outlook for travel remains uncertain, however the need for travel insurance is greater than ever – whether holidaying in the UK or abroad. Offering Covid-19 protection as standard helps to give customers peace of mind that they are protected should they test positive, and they have to cancel or cut short their trip.”

Incentivising travel insurance

In addition, Tesco Clubcard members will receive loyalty points when purchasing a policy, picking up one point for every £1 spent on insurance – an extra incentive for travellers to take out travel insurance, which is what we here at ITIJ like to see!

Tesco is clearly of the opinion that UK citizens are keen to travel ( and it’s not wrong ), and its partnership with ROCK (which recently launched an underwriting agency ) and AXA Partners – both active players in helping shape the face of travel insurance in response to the pandemic – further strengthens its offering.

What’s more, having big customer-facing retail organisations such as Tesco offering travel insurance to its shoppers, and with incentives to boot, should actively improve consumer access to insurance, and so improve insurance take-up rates.

Insurance agent referral in Moscow , Moscow

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The one question asked about insurance, obviously at this moment in time I haven't done my travel insurance so i said no. Part of me worries that by saying no, they may reject my application? Does anybody know?

Also, Our flight arrives fairly late (9:45pm) on the evening and we land at domodedovo, but have to get to the holiday inn suschevsky. Will it be easier to get a private hire, or will traffic still be a nightmare?

Hope you can help!

> Part of me worries that by saying no, they may reject my application? Does anybody know?

As far as I know (not an expert though) the insurance is not a requirement for UK visitors.

> Will it be easier to get a private hire

Easier than what?

> or will traffic still be a nightmare?

Ah sorry, should have been more specific, will a private hire be easier than the subway.

Well reading terms and conditions of the hotel through expedia.. "room reserved until midnight"

Thanks for help on the other question.

> will a private hire be easier than the subway

Of course it will - any place, any time, that's why it costs more. And in your case (5 people), not even that much more than 5 Aeroexpress tickets, even considering that you'll need a mini-van to carry 5 people.

If it's paid for then you're safe - you might want to write to them and tell them you might arrive late though.

insurance is not mandatory for UK passport holders

This topic has been closed to new posts due to inactivity.

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Annual Multi Trip Insurance

For people who know they'll be off somewhere nice more than once this year.

If you plan on taking two or more trips (each no longer than 31 days) in the next 12 months, Annual Multi Trip cover could offer greater convenience than Single Trip cover.

• With our Spring offer, get 20% off new Annual Multi Trip policies when you buy direct from us. Offer ends 30/04/24. Excludes Later Life cover and add-ons . See additional info below
• Choose from Economy or our 5 Star Defaqto rated Standard and Premier cover.
• With Clubcard Prices, Clubcard members get a 10% discount when you buy direct. Discount doesn’t apply to Later Life cover or add-ons. Just enter your Clubcard number when you get a quote. If you buy an Annual Multi Trip policy with our Spring offer, your Clubcard member discount will be applied after the 20% discount is applied.

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust).

COVID-19 cover includes

• If you have to cancel or cut short your trip as a result of contracting COVID-19.
• Medical treatment if you contract COVID-19 abroad.
• If you’ve got to return home early because the region you’re in goes into lockdown.

Remember to check the latest Foreign, Commonwealth & Development Office (FCDO) and local authorities travel advice before you go. We don't include cover for cancellation where the FCDO or local authorities advise against travel. For full details of the COVID-19 cover provided on our policies take a look at the policy booklet . Monetary limits, excesses and exclusions apply.

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 Bank Travel Money.

Compare cover levels

Monetary limits, excesses and exclusions apply, please see the policy booklet for more information. The maximum limits payable are shown below.

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

Cruise cover, 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.

Car Hire Excess Insurance cover

Cover the excess you’d pay if your hire car is damaged or stolen up to £10,000 per incident or in total over the duration of your policy.

Adding this will cover the excess you’re liable for if you make a claim on the car hire excess waiver insurance provided by your car rental company. Limits apply, please see the table below for further details of cover available.

Need a different type of cover for your trip?

We also have Single Trip cover and cover designed for Backpackers .

Important information

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.

If you purchased or renewed your Travel Insurance policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your Travel Insurance policy before 13 December 2023, your policy document is below.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of cover.

The Insurance Product Information documents summarise the key features, benefits and exclusions of our additional cover.

Gadget Cover Documents

If you purchased or renewed your policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your policy before 13 December 2023, your policy document is below.

Car Hire Document

How we collect and use your personal data.

Tesco Personal Finance PLC (trading as Tesco Bank) acts as an intermediary for this policy. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust). You can find out more about how ROCK will process and share your data in their Privacy Notice.

ROCK will share some of your information with Tesco Bank as set out in their privacy notice and you can find out more about how Tesco Bank will then process that data in our Privacy Policy .

ROCK will also share data with IPA UK and AmTrust so that they can underwrite your policy and if you make a claim. You can find out more about how IPA UK will process your data in the ‘Data Protection Notice and Fraud’ section of the Policy Wording document and by visiting the  AXA Assistance website and AmTrust Europe website .

Discount does not apply if you purchase through a price comparison website.

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Yahoo Finance

Tesco (lon:tsco) is paying out a larger dividend than last year.

Tesco PLC ( LON:TSCO ) will increase its dividend from last year's comparable payment on the 28th of June to £0.0825. Based on this payment, the dividend yield for the company will be 4.2%, which is fairly typical for the industry.

View our latest analysis for Tesco

Tesco's Dividend Is Well Covered By Earnings

Unless the payments are sustainable, the dividend yield doesn't mean too much. The last dividend was quite easily covered by Tesco's earnings. This indicates that a lot of the earnings are being reinvested into the business, with the aim of fueling growth.

Over the next year, EPS is forecast to expand by 14.4%. If the dividend continues along recent trends, we estimate the payout ratio will be 42%, which is in the range that makes us comfortable with the sustainability of the dividend.

Dividend Volatility

The company has a long dividend track record, but it doesn't look great with cuts in the past. The annual payment during the last 10 years was £0.187 in 2014, and the most recent fiscal year payment was £0.121. The dividend has shrunk at around 4.3% a year during that period. Generally, we don't like to see a dividend that has been declining over time as this can degrade shareholders' returns and indicate that the company may be running into problems.

We Could See Tesco's Dividend Growing

With a relatively unstable dividend, it's even more important to evaluate if earnings per share is growing, which could point to a growing dividend in the future. Tesco has seen EPS rising for the last five years, at 8.7% per annum. Since earnings per share is growing at an acceptable rate, and the payout policy is balanced, we think the company is positioning itself well to grow earnings and dividends in the future.

Tesco Looks Like A Great Dividend Stock

Overall, we think this could be an attractive income stock, and it is only getting better by paying a higher dividend this year. Earnings are easily covering distributions, and the company is generating plenty of cash. Taking this all into consideration, this looks like it could be a good dividend opportunity.

Investors generally tend to favour companies with a consistent, stable dividend policy as opposed to those operating an irregular one. Meanwhile, despite the importance of dividend payments, they are not the only factors our readers should know when assessing a company. For instance, we've picked out 1 warning sign for Tesco that investors should take into consideration. If you are a dividend investor, you might also want to look at our curated list of high yield dividend stocks.

Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.