Travel Insurance

Tesco travel insurance review

Did you know that you can get more from your weekly shop from Tesco? Tesco travel insurance is one of many financial services the brand offers and could give you peace of mind on your next trip.

 - 5 Min Read
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Tesco travel insurance review
  • Tesco Bank offers a wide range of policy types and cover levels.
  • It has many optional extras you can add to tailor your policy to you.
  • With some policies, it offers an online GP for you to access should you need it whilst away.
  • Clubcard holders can often access deals to lower the price of their policies.

FAQs: Tesco Travel Insurance

  • Does Tesco Bank offer car insurance?

    Yes, Tesco Bank offers a wide range of car insurance policies - with more common policy wording for drivers aged 21 and over, those driving electric cars, or those aged 50 and over. They also offer car key cover, which can be exceptionally useful for those with forgetful drivers in the household! Tesco also offers a range of home insurance policies.

  • Who is Tesco Bank authorised by?

    Tesco Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.

  • Do I get a Clubcard discount on Tesco Bank travel insurance?

    At the time of writing (August 2023), Clubcard members can get a 10% discount when they buy travel insurance directly from Tesco Bank using their Clubcard number. However, the discount does not apply to Later Life Cover or add-ons, even if you have a Tesco Clubcard. You also get a 10% discount if you buy your foreign currency with Tesco Travel Money.

  • Does Tesco Bank offer pet insurance?

    Yes. The bank offers dog, cat, multi-pet, and lifetime pet insurance options. It’s essential to read the specific policy documents for each policy before you buy one so that any insurance claims you need to make are more likely to be accepted.

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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. 

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

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. 


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.

Image Credit: nappy at Pexels

The content on is provided for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, you should consult a financial adviser that is registered with the Financial Conduct Authority. Any references to products, offers, rates, and services from third parties or those advertised are served by those third parties and are subject to change. We may have financial relationships with some of the companies mentioned on this website. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. We are not regulated by the Financial Conduct Authority to provide advice, to act as an authorised introducer, or to otherwise sell any financial services or products. However, we endeavour to only link to and highlight brands that are authorised and regulated by the Financial Conduct Authority and/or the Prudential Regulation Authority, and where your money will be protected by the Financial Services Compensation Scheme should you choose to buy a product or service from that particular brand.
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