Travel insurance
15% Guaranteed discount for Clubcard customers who buy online
The guaranteed discount is made up of an online and Clubcard discount. Discounts do not apply to options you can add to your policy. Online and Clubcard discounts are subject to a minimum premium.
Just enter your Clubcard number online to get the guaranteed discount.
Tesco Travel Insurance is provided by Ageas Insurance Limited.

Key benefits
Look at what you get
- Online discount
- Exclusive Clubcard discount
- Choose from 3 levels of cover
- UK-based call centre
- 24-hour emergency helpline
Paying with Clubcard vouchers
Use your Clubcard vouchers to help pay for your Tesco Travel Insurance by following the steps below.
- Get a quote. Select that you wish to pay for your insurance with Clubcard vouchers on the payment screen.
- Payment for the policy will then be taken from your chosen account.
- After the 14 day cooling off period, you will receive a form to return with your Clubcard vouchers. You can redeem any value of Clubcard vouchers up to the policy premium.
- You will then receive a refund to the value of your Clubcard vouchers back into your paying account.
Terms and Conditions
- The maximum amount of Clubcard vouchers you redeem cannot exceed the premium stated on your redemption form.
- They must be valid, in date and not damaged, defaced, copied or altered.
- The Clubcard holder must live at the same address as the policyholder.
- Tesco Travel Insurance accepts no responsibility for Clubcard vouchers that are not received.
- Any change from your Clubcard vouchers will be credited to your Clubcard account and be advised to you in your next Clubcard statement.
- Every £1 voucher will be redeemed as £1 of payment for your insurance premium.
What's covered?
What's included
| Cover Level | ![]() | ![]() | ![]() |
|---|---|---|---|
| Emergency medical expenses | £10,000,000 | £5,000,000 | £2,000,000 |
| Hospital benefit | £50 per day up to max of £2,000 | £25 per day up to max of £1,000 | £15 per day up to max of £600 |
| Cancellation of your trip | £10,000 | £5,000 | £1,000 |
| Cutting your trip short | £10,000 | £5,000 | £1,000 |
| Delayed Departure | £30 per 12 hours to max of £600 | £20 per 12 hours to max of £400 | £10 per 12 hours to max of £200 |
| Personal Belongings | £2,000 | £1,500 | £1,000 1 |
| Valuables - single item limit | £500 | £300 | £200 1 |
| Money and documents | £500 | £400 | £300 1 |
| Missed departure (extra travel and accommodation expenses) | £1,500 | £750 | N/A |
| Death benefit (age 18-65) | £35,000 | £15,000 | N/A |
| Travel Legal Guard | £75,000 | £25,000 | N/A |
| Catastrophe cover | £2,000 | £1,000 | N/A |
| Loss of passport | £400 | £250 | N/A |
| Financial Failure Cover | £1,500 | N/A | N/A |
| Excess (different policy benefits may have different excess levels) | £45 2 | £60 2 | £75 |
| Optional winter sports, golf cover or wedding cover | Available 3 | Available 3 | N/A |
Please not that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the Policy documents for full information.
1 Personal belongings, valuables and money & document cover is available on Value policies for an additional premium.
2 You can choose to double your excess on Standard or Finest for a reduction in premium.
3 Winter sports, golf and wedding cover are available on Standard and Finest policies for an additional premium. Refer to the Winter Sports, Golf & Wedding cover section for full information.
Winter Sports, Golf & Wedding cover
Winter sports cover
| Cover Levels | Value Cover | Standard Cover | Finest Cover |
|---|---|---|---|
| Winter sports equipment (owned or hired) | N/A | £500 | £750 |
| Winter sports equipment hire | N/A | £30 per day up to max of £300 | £40 per day up to max of £400 |
| Ski pack | N/A | £250 | £350 |
| Piste closure | N/A | £30 per day up to max of £300 | £40 per day up to max of £400 |
| Avalanche cover | N/A | £35 per day up to max of £350 | £50 per day up to max of £500 |
Golf cover
| Cover Levels | Value Cover | Standard Cover | Finest Cover |
|---|---|---|---|
| Golf equipment | N/A | £1,000 | £1,000 |
| Golf equipment hire | N/A | £20 per day up to max of £200 | £20 per day up to max of £200 |
| Green fees | N/A | £75 per day up to max of £300 | £75 per day up to max of £300 |
Wedding cover
| Cover Levels | Value Cover | Standard Cover | Finest Cover |
|---|---|---|---|
| Wedding attire | N/A | £1,500 per couple | £3,000 per couple |
| Wedding gifts | N/A | £1,000 per couple | £2,000 per couple |
| Wedding rings | N/A | £500 per ring | £1,000 per ring |
Please note that excesses, terms and conditions apply - you should refer to the policy documents for full information.
Annual multi-trip cover
One policy for many trips
- It provides cover for an unlimited number of trips of up to 31 days over a 12-month period. Trip length can be extended to 45 or 60 days for an additional premium.
- Annual multi-trip cover is available on Finest, Standard and Value cover.
- Remember, annual multi-trip cover applies to individuals, couples, families and groups.
- Taking out annual multi-trip cover could even save you money compared with buying single-trip policies.
- Don't forget: You receive the same 15% discount on annual multi-trip cover if you are a Clubcard customer and you buy online. The discount is made up of an online and Clubcard discount. Discounts do not apply to options you can add to your policy. Online and Clubcard discounts are subject to a minimum premium. Just enter your Clubcard number online to get the discount.
Countries covered by the European single trip and annual trip

Medical conditions
What if I have an existing medical condition?
If you or anyone to be covered by the policy has an existing medical condition, you can still obtain a quote online. Just complete the online medical screening questions during the 'Get a quote' process, we'll let you know if cover can be provided.
If you'd rather talk to someone, then our UK-based call centre staff are here to help. They are understanding and professional and will help you get the cover you need, quickly and easily. Call them on 0845 293 9475.

What we're often asked
- What is a travel insurance policy excess?
- Does Tesco Travel Insurance cover my existing medical conditions?
- What countries are covered by the European single trip and annual trip policies?
- Can I buy Tesco Travel Insurance in my local Tesco store?
- Do you cover mobile phones?
- Can I look at my policy booklet online to check what I am covered for?




