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Travel Insurance cover levels and optional add-ons

We have three cover levels to choose from; Everyday Value, Standard and Finest.

Use the tables below to compare cover levels and to get a good idea of the cover we can give you.

Don't forget though, that this is just a summary of the cover we provide; you'll find the full detail in the policy documents. Please make sure you read them in full.

Our travel insurance cover levels

Emergency medical expenses

Everyday ValueStandardFinest
£2,000,000£5,000,000£10,000,000

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Cancelling/cutting your trip short

Everyday ValueStandardFinest
£1,000£5,000£10,000

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Personal belongings

Everyday ValueStandardFinest
Add Personal Belongings optional extra for £1,000 of cover£1,500£2,000

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Travel delay

Everyday ValueStandardFinest
£10 per 12 hours(up to £200)£20 per 12 hours(up to £400)£30 per 12 hours(up to £600)

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Money and documents

Everyday ValueStandardFinest
Add Personal Belongings optional extra for £300 of cover£400£500

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Delayed baggage

Everyday ValueStandardFinest
Add Personal Belongings optional extra to cover £50 per 12 hours(up to £100)£50 per 12 hours(up to £150)£100 per 12 hours(up to £300)

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Hospital benefit*

Everyday ValueStandardFinest
£15 per day(up to £600)£25 per day(up to £1,000)£50 per day(up to £2,000)

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Holiday abandonment

Cancellation charges after 12 hour delay

Everyday ValueStandardFinest
Up to £1,000Up to £5,000Up to £10,000

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Missed departure

Transport and accommodation expenses

Everyday ValueStandardFinest
-£750£1,500

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Loss of passport

Everyday ValueStandardFinest
-£250£400

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Mugging

*Additional hospital benefits

Everyday ValueStandardFinest
-Additional £50 per 24hrs(up to £750)Additional £100 per 24 hrs(up to £1,500)

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Personal liability

Everyday ValueStandardFinest
£2,000,000£2,000,000£2,000,000

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Travel legal guard

Everyday ValueStandardFinest
-£25,000£75,000

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Financial failure cover

Everyday ValueStandardFinest
--£1,500

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Catastrophe cover

Transport and accommodation expenses

Everyday ValueStandardFinest
-£1,000£2,000

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Kennel/cattery fees

If return travel delayed

Everyday ValueStandardFinest
-£250£750

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Hijack cover

Everyday ValueStandardFinest
-£50 per 24 hrs(up to £750)£100 per 24 hrs(up to £1,500)

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Golf equipment

Everyday ValueStandardFinest
--Up to £1,000 (replacement cost), up to £200 (equipment hire), up to £300 (green fees)

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Optional Winter Sports cover

Winter sports equipment (owned or hired)

Everyday ValueStandardFinest
-£500£750

Optional Winter Sports cover can be purchased on our Standard and Finest policies, and is available on our annual multi-trip policies for a total of 17 days in a year.

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Winter Sports equipment hire

Everyday ValueStandardFinest
-£30 per dayup to max of £300£40 per dayup to max of £400

Optional Winter Sports cover can be purchased on our Standard and Finest policies, and is available on our annual multi-trip policies for a total of 17 days in a year.

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Ski pack

Everyday ValueStandardFinest
-£250£350

Optional Winter Sports cover can be purchased on our Standard and Finest policies, and is available on our annual multi-trip policies for a total of 17 days in a year.

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Piste closure

Everyday ValueStandardFinest
-£30 per dayup to max of £300£40 per dayup to max of £400

Optional Winter Sports cover can be purchased on our Standard and Finest policies, and is available on our annual multi-trip policies for a total of 17 days in a year.

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

Avalanche cover

Everyday ValueStandardFinest
-£35 per dayup to max of £350£50 per dayup to max of £500

Optional Winter Sports cover can be purchased on our Standard and Finest policies, and is available on our annual multi-trip policies for a total of 17 days in a year.

Please note that excesses, terms, exclusions and conditions apply. This is a summary of cover and you should refer to the policy documents for full information.Check policy documents

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Important information

Key terms and conditions

Personal belongings, valuables and money and document cover

You’ll be covered for as standard if you opt for our Standard or Finest policies. If you’re going for our Everyday Value policy, you can add personal belongings cover on for an extra cost.

Excess on Standard or Finest policies

If you choose our Standard or Finest policies you can reduce the cost of your travel insurance by opting to double your excess. Read our relevant FAQ below if you’d like to know more.

Policy documents

Please note that excesses, terms and conditions apply - you should refer to the policy documents for full information.

If purchased on or before 24/08/16, or renewed on or before 30/09/16

If purchased on or after 25/08/16, or renewed on or before 01/10/16

Tesco Bank Travel Insurance is provided by Ageas Insurance Ltd.

Travel Legal Guard cover is underwritten by DAS Legal Expenses Insurance Company Limited and Financial Failure cover is provided and administered by International Passenger Protection Limited and underwritten by certain underwriters at Lloyd's.

What is double excess?

What is a double excess?

When you purchase a Tesco Bank Standard or Finest Travel Insurance policy, you can opt to double the normal excess (£60 on Standard and £45 on Finest) in return for a reduced premium.

If you select this option, your excess for Standard cover will be £120 and your excess for Finest cover will be £90.

This option is not available for Tesco Bank Everyday Value Travel Insurance policies.

The excess is the amount of money you pay on each claim you make under certain sections of the insurance policy before Tesco Bank Travel Insurance pays out. You should refer to the policy booklet for full details of what excess you need to pay under each section.