COVID-19 and travel disruption
If your travel plans are turned upside down because of COVID-19, check out what our Travel Insurance could cover.
Keep up to date
Before you buy travel insurance or pay for flights, remember to check the latest government advice from the Foreign, Commonwealth and Development Office (FCDO) and the travel guidance for England, Scotland, Wales, Northern Ireland.
See the countries list for specific information about your destination, like any entry requirements.
For full details of the COVID-19 cover we provide, take a look at our policy booklets. Monetary limits, excesses and exclusions apply.
What we cover
We offer Single Trip, Annual Multi Trip, Backpacker and Later Life travel insurance, which all have COVID-19 cover for before your trip and while you’re away should the following happen.
Monetary limits, excesses and exclusions apply.
Before you travel
- You’ve tested positive for COVID-19 and can't travel
- You can't travel because you've been contacted by the NHS Test and Trace service
- You’ve been stopped from boarding a plane in the UK because you have COVID-19 symptoms
- You were planning to stay with a family member on your trip who has been told they have to self-isolate
If any of the above happens, we’ll cover the costs of having to cancel.
While you're away
- You have a medical emergency as a result of COVID-19
- You've got to return home early due to FCDO advice changing during your trip
If any of the above happens, we’ll cover you for medical costs, accommodation and/or getting you home providing you haven't travelled against FCDO or local authority guidance and have followed medical advice.
What we don't cover
You won’t be able to claim under your policy in the following circumstances.
- Cancellation of your trip if the FCDO or your local authority advised against all travel or all but essential travel
- If you decide to cancel your trip because you no longer want to travel
- Where you are legally entitled to a refund such as from your travel provider
Pre-existing medical conditions
With our COVID-19 cover you can claim if you get sick with the virus before or during your trip.
We can’t cover pre-existing medical conditions unless you’ve contacted us, and we’ve accepted this in writing. This includes any medical condition for which you’ve received prescription medication or had check-ups in the past two years and certain conditions which you have had treatment or tests for in the last 5 years.
It’s really important that you tell us about any pre-existing medical conditions when you set up your policy. Failing to declare an illness means you may not be able to make a claim under your travel insurance policy, even if it’s unrelated to your condition.
Airline disruption and cancellation
We can cover some airline disruption or cancellation outside of your control that leaves you out of pocket. However, we won’t cover if the airline or tour operator is responsible for providing compensation, or if you can reclaim through your credit card provider.
We also can’t offer cover for airline disruption or cancellation if you booked your travel against the advice of the FCDO or a local authority.
What you need to know
Check the government advice around travelling abroad for non-essential journeys, and make sure you check the latest guidance before you pay for any travel or travel insurance. Some countries may have restrictions in place where you can’t enter or leave unless it’s for a valid reason, such as needing to travel for work.
Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.
Help for existing customers
If you're an existing customer you can find more information, ways to get in touch and how to start a claim here.
Policy documents
What type of cover do you have?
How did you buy your policy?
It’s important that you review the full policy document for your Travel Insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
Policy Wording 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.
It’s important that you review the full policy document for your Travel Insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
It’s important that you review the full policy document for your Travel Insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
Policy Wording 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.
So we can help you find your documents, please give us a call.
How did you buy your policy?
It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
Policy Wording 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.
It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
Policy Wording 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.
So we can help you find your documents, please give us a call.
How did you buy your policy?
It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
Policy Wording 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.
It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
Policy Wording 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.
So we can help you find your documents, please give us a call.
It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.
The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.
Policy Wording 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.
So we can help you find your documents, please give us a call.
Important information
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 Documents
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 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.