Tesco Travel Insurance Review

Tesco  Travel Insurance Review

Tesco Travel Insurance Review

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Tesco Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Our review of Tesco will highlight:
  • Who are Tesco and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Tesco rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Tesco policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Tesco and who underwrites their policies?

Tesco’s probably the UK’s best known Grocers, needs no real introduction. This company has seen massive expansion over the years into all sorts of areas, such as Banking, Finance and Insurance. Tesco bank offers a range of insurance policies, one of which is travel insurance. Tesco’s Travel Insurance is provided by Ageas Insurance Ltd.

Up to the 28th February 2018, Tesco clubcard members can enjoy up to 25% off annual multi-trip travel insurance and take advantage of their four star rated finest policy.

Tesco Travel Insurance Policies are Underwritten By Ageas Insurance

How Tesco have been ranked using our star rating formula. Tesco  Star Ratings

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Tesco Travel Insurance.

Single Trip Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Finest, Standard, Everyday Value, we have rated these as follows:-

Thats Insurance Rating for Finest:

Thats Insurance Rating for Standard:

Thats Insurance Rating for Everyday Value:

Single Trip Travel Insurance Guide here
Tesco Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
Tesco Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 3 Annual Policies, they are Everyday Value, Standard, Finest, we have rated these as follows:-

Thats Insurance Rating for Everyday Value:

Thats Insurance Rating for Standard:

Thats Insurance Rating for Finest:

Tesco Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Tesco Travel Insurance Review

Tesco 's 'User Friendly' Rating

That's Insurance have reviewed 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

16 Key Points you need to know about Tesco Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Children are classified as anyone under the age of 18, dependent and living with the insured adults.

2

What are the policy age limits?

Single trip and Annual Travel Insurance - you must be aged 74 or under to qualify

3

What are the policy Trip Duration limits?

Tesco single policies can be taken out for up to 90 days.

Tesco annual multi trip policies allow for unlimited trips throughout the year, provided each trip is no longer than 31 days. This can be extended to 45 or 60 days, provided you are under the age of 65.

4

What does the policy offer for Winter Sports cover?

Winter sports can be included in single trip policies for the duration (if required) and in annual travel policies for a maximum of 17 days.

Winter sports includes cover for On-piste snowboarding, on-piste skiing, mono-skiing, ice-skating, curling, tobogganing and snow-mobiling, cross-country skiing on locally recognised tracks, off-piste skiing with a qualified instructor and off-piste snowboarding with a qualified instructor. 

5

What is classed as a family and how many people can be quoted for?

Tesco policies can be for a single person, couples (two adults under 75 living at the same address) and families consisting of either one or two adults and up to seven children.

Groups of up to nine individuals can also insure themselves under the same policy, although there is not premium discount for doing so.

Children insured under a tesco annual policy, may travel without the insured adults, only if they are travelling with and being supervised the whole time by an adult who is responsible for their care.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

A European Health Insurance Card is recommended when you travel to another European Country. If use of the card results in a reduction of a medical expenses claim, tesco will waive the excess.

7

What is covered under Sports and Activities on the policy?

Tesco's cover a wide range of 91 sporting and leisure activities as standard, including things like water skiing, windsurfing, sail boarding, scuba diving down to 30 metres and Hot Air Ballooning.

If there is a particular activity that you would like covered, but is not on the list, we recommend contacting them direct, to see if it can be included.

Some of the included activities excluded personal liability cover, so we recommend checking carefully to make sure you are adequately covered.

8

What are the policy Alcohol Exclusion terms?

The policy excludes the effect of alcohol and you being under the influence of alcohol.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

The Finest policy automatically provides cover against financial failure.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Whilst pre-existing medical conditions are excludes, the policy allows for full underwriting of conditions by completing the medical screening questions, during the quotation process.

11

What are the policy rules on travelling when pregnant?

Pregnancy is not mentioned in the policy. We would recommend contacting the Insurer to confirm the situation if you are pregnant and planning to travel abroad.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual work is excluded. Any work that involves height work of more than 2 metres, the use of physical labour, including construction, installation, assembly, building work, and any work involving the use of heavy machinery or specialist equipment.

Both types of policies will however cover you for business trips that are managerial or clerical in nature or other non manual work.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

You are required to send receipts, proof of ownership or bills for any item lost, stolen or damaged.

14

What does the policy cover in the event of war, terrorism or cyber attack?

Acts of Terrorism, and war are excluded with the exception of Section 2 Medical and other expenses.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Catastrophe automatically covered under the standard and finest policies

16

Do I have to be a UK resident to be covered under this policy?

You must have been resident in the UK for at least six months and registered with a GP in the UK, to be eligible for Tesco's travel insurance.

Pro's and Con's for Tesco

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Tesco Travel Insurance.

  • Clubcard members can save 25% on annual travel insurance
  • Tesco Finest one of the top four star rated policies
  • The Finest policy automatically covers Financial Failure
  • Complete online medical screening of pre existing medical conditions available
  • Finest policy includes Golf cover as standard

No Con's

What Cover do Tesco policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Tesco Travel Insurance and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Finest

    Single Trip

    Standard

    Single Trip

    Everyday Value

    Single Trip

    Everyday Value

    Annual

    Standard

    Annual

    Finest

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    45

    60

    75

    75

    60

    45

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    2,000,000

    2,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    10,000

    5,000

    1,000

    1,000

    5,000

    10,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    75,000

    25,000

    0

    0

    25,000

    75,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    1,000

    1,500

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    300

    200

    200

    300

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    300

    200

    200

    300

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    400

    300

    300

    400

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    75,000

    25,000

    0

    0

    25,000

    75,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    1,000

    600

    600

    1,000

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    300

    300

    300

    300

    300

    300

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    150

    100

    100

    150

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    600

    400

    200

    200

    400

    600

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    750

    0

    0

    750

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    750

    250

    0

    0

    250

    750

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,500

    750

    0

    0

    750

    1,500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    0

    0

    0

    0

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    2,000

    1,000

    0

    0

    1,000

    2,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

Sample Quotes from Tesco .

Listed below are some Sample Quotes offered by Tesco Travel Insurance (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Individual

Age: 60 - 64

Trip Days: 14

Tesco  Travel Insurance Review
That's Insurance Rating

Customer Rating

Finest

45

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 600

Baggage 2,000

Personal Accident 75,000

Personal Liability 2,000,000

Legal Expenses 75,000

Single Trip

Worldwide

Individual

Age: 50 - 59

Trip Days: 7

Tesco  Travel Insurance Review
That's Insurance Rating

Customer Rating

Finest

45

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 600

Baggage 2,000

Personal Accident 75,000

Personal Liability 2,000,000

Legal Expenses 75,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 14

Tesco  Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

60

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 400

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 40 - 49

Trip Days: 365

Tesco  Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

60

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 400

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 18 - 29

Trip Days: 365

Tesco  Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

60

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 400

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 18 - 29

Trip Days: 365

Tesco  Travel Insurance Review
That's Insurance Rating

Customer Rating

Everyday Value

75

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 200

Baggage 1,000

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

How to Buy Travel Insurance from Tesco Travel Insurance

Visit Tesco Travel Insurance's Website and Get a Quotation direct

Current Discount Codes for Tesco - No Current Discount Codes

Customer Reviews of Tesco Travel Insurance

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