Tesco Bank is a versatile provider, offering a range of insurance products designed to safeguard your assets and travel experiences. Here, we evaluate their travel insurance options.
What types of cover does Tesco Bank offer?
Tesco Bank offers a wide range of travel insurance policies, which is excellent news as it means you are more likely to find an option that works for you.
Annual multi-trip cover
Tesco offers annual multi-trip policies, meaning you only have to buy insurance once to cover all the trips you take over a year. You’ll need to ensure you meet the requirements for each of those trips you make so that it’s suitable for you. For example, each trip has to be under 31 days long, and you have to start each trip from your home in the UK and return to it at the end.
Multi-trip cover can mean you get better value buying cover in this way, as opposed to taking out cover every time you go away. Plus, it’s more convenient too.
Single trip
Sometimes, purchasing a single trip policy makes economic sense after running a price comparison and if you plan to go abroad only once in the next 12 months. You can buy cover for the length of your trip, and you protect yourself against any eligible losses, such as a missed departure, from when you purchase it.
Backpacker
Tesco’s backpacker travel insurance cover option is for if you’re going away on a long trip of up to 18 months. During that period, you can travel to various countries without needing to purchase individual policies for each destination. It’s a good idea if you’re planning a long trip in retirement and off on an exciting adventure. However, it’s unsuitable if you are moving abroad.
The company also offers three levels under these brackets: Economy, Standard and Premier. Each insurance level has different coverage and amounts, with Premier offering the highest protection.
In addition to these cover types, you can buy several optional extras, including:
- Winter sports coverage includes protection for your ski gear, piste closures, and avalanches.
- Golf cover includes extras such as golf equipment and green fees if you are unable to play.
- Cruise cover includes potential reimbursement for a number of problems, such as missed port departures or cabin confinement
- Gadget cover is another optional extra which means you can cover mobiles, e-readers, tablets or smartwatches if they’re lost, stolen or damaged in some way.
Always make sure to read the policy wording of any potential products you purchase to ensure that you will receive reimbursement for any claims you submit.
What medical conditions does Tesco Bank travel insurance cover?
Different insurers cover different pre-existing medical conditions. It’s imperative that you double-check what Tesco covers you for if you have one so that you insure yourself for any medical expenses that arise from unexpected medical treatment whilst on your trip.
Plus, it’s essential that you declare what pre-existing conditions you have. If you don’t, your cover may not be valid. You may also have to declare any test results that you are waiting for.
What are the benefits of Tesco Bank travel insurance?
Despite starting life in the grocery sector, there are many benefits, including:
Defaqto rating
The Standard and Premier cover for single and annual multi-trip policies have a 5-star Defaqto rating.
Kids under 18 go free
Going on holiday with kids (or grandkids) is not cheap. Travel insurance offers can sometimes take the sting out of some of the cost, with this one from Tesco being particularly appealing if you have a family. Up to four kids under 18 can go free on each single or annual multi-trip policy.
Levels of cover
Being able to pick the level of cover you need for the length of trip you require offers great peace of mind and means you are not overpaying or underinsuring yourself at any point. Plus, within those policies, you can choose between other levels of coverage to ensure you are not paying for clauses you don’t need in your policy.
Online doctor
On Tesco’s single trip and annual multi trip policies, if you choose Premier Cover, you can access an English-speaking GP on the phone or via your app. If you buy backpacker or later-life products or policies, you get access to the GP as standard.
Covid Cover
Covid might not be part of our daily lives anymore, but it could still impact your travel. Tesco's Covid coverage includes protection for trip cancellations or curtailments if you get Covid. It also means you can access medical treatment if you catch Covid whilst on holiday or have to fly home earlier than planned if your destination region goes into lockdown while you’re away.
However, Tesco does not offer coverage in cases where trip cancellation is advised by the FCDO (Foreign, Commonwealth & Development Office) or your local authority due to all travel or non-essential travel restrictions.
Purchasing Tesco travel insurance policies
Tesco bank’s policies offer an array of choices, plus all-important optional extras such as gadgets and mobile phone cover, which mean you can get comprehensive cover for various risks or issues.
It’s essential to look at your requirements and see whether the final price means you get good value from Tesco’s travel insurance products. Given the breadth of Tesco’s policies, you’ll likely find a viable option for you.
