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.
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Our travel insurance cover levels
Emergency medical expenses
| Everyday Value | Standard | Finest |
|---|---|---|
| £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 Value | Standard | Finest |
|---|---|---|
| £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 Value | Standard | Finest |
|---|---|---|
| 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 Value | Standard | Finest |
|---|---|---|
| £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 Value | Standard | Finest |
|---|---|---|
| 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 Value | Standard | Finest |
|---|---|---|
| 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 Value | Standard | Finest |
|---|---|---|
| £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 Value | Standard | Finest |
|---|---|---|
| Up to £1,000 | Up to £5,000 | Up 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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | 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 Value | Standard | Finest |
|---|---|---|
| £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | - | 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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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 Value | Standard | Finest |
|---|---|---|
| - | £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.
- Policy Booklet PDF, 326kb
- About Tesco Bank Travel Insurance pdf, 79kb
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.
Product Information Documents
How we use your data
How we collect and use your personal data
Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group and the insurer who may underwrite your policy take the security of your data seriously. Detailed information on how we and your insurer handle your data and your rights under data protection laws is available in our privacy notice.
We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase a policy.
We will use your data to give you quotes, provide our services to you, perform eligibility checks, decide if we can insure you and on what terms, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to assess insurance risk and to detect crime.
We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.
Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies (FPAs). The FPAs will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected this may be shared with other organisations and you could be refused certain services, finance or employment.
By proceeding with your application you acknowledge we may use your data in this way.
- Privacy Notice pdf, 145kb
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.