For the purpose of Tesco Bank Travel Insurance, the following countries are classed as Europe:
ISLE OF MAN
REPUBLIC OF IRELAND
RUSSIA (west of Ural Mountains only)
If you're unsure which area you will need cover for, there is a "Country Search" facility available during the quote and buy process.
Yes, cruises are covered under the normal policy terms and conditions. You should ensure that you have cover for all the destinations that you will visit on the cruise. When doing quotes online, please enter 'cruise' under the question 'which country will you be travelling to?'. This then brings up a list of different cruise types.
It depends on the nature of the medical condition.
When applying for Tesco Bank Travel Insurance, you will be asked questions about your health and the health of anyone travelling with you who is insured under the same policy, to find out whether full cover can be provided and if so, the terms and conditions that will apply.
We may be able to cover your existing medical conditions for an additional premium. You cannot choose to not pay the additional premium and exclude your declared existing medical conditions from cover. We will not be able to provide you with a quote if we are unable to cover your existing medical conditions.
Please note that there are also conditions and exclusions that apply in respect of the health of anyone that could affect your trip even if they are not travelling with you e.g. a business partner or close relative.
If you are in any doubt you should call us to check whether you're covered for your medical condition on 0345 293 9475*.
Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
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 pay out. You should refer to the Policy Booklet for full details of what excess you need to pay under each section.
This is the part of the claim that you agree to pay - we cover you for the remaining amount up to the limit of your cover. Our claims consultants will tell you the amount of the excess and details can also be found in your policy schedule. We will deduct the amount of the policy excess from the settlement of your claim, or alternatively our appointed specialist or supplier will collect this amount from you on our behalf.
You should call us to discuss your policy and see whether we can offer cover for the new medical condition on 0345 293 9475*.
Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator
It depends on the activity you want to take part in. You are not covered for claims caused by you taking part in winter sports (unless you have paid to add Winter Sports Cover to your policy), manual work, mountaineering, potholing, riding or driving in any kind of race, flying (except as a passenger in a fully-licensed passenger carrying aircraft) or doing any other dangerous activity.
However, we do automatically cover the following -
Abseiling – professionally organized and supervised
Archery – properly supervised
Camel riding – not racing
Canoeing/rafting – excluding white water rafting up to category 2
Catamaran sailing – up to 12 miles from coast only
Clay-pigeon shooting – organized event
Cycling – transport only – excludes mountain biking and BMX
Deep sea fishing – game fishing *
Dinghy sailing – up to 12 miles from coast only
Dry slope skiing
Fell walking – no picks or ropes
Football – not professional, semi-professional or major competition or tournament
Gliding – not piloting and subject to flying with qualified pilot
Go-karting – up to 20cc
Hiking/walking/trekking – no ropes or equipment and on recognised routes
Horse riding – excluding jumping, hunting and competition
Hot air ballooning – licensed operation only, not piloting
Marathon running – not professional
Paint balling/war games
Paragliding/parascending – over water only when attached to a speedboat*
Quad biking – only if wearing a helmet and protective clothing and in a controlled environment and not participating in any race or competition, and the quad bike is not more than 125cc
Safaris without guns – professionally organised tours only
Suba diving to 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive)
Winter Sports covers:
Skiing off-piste with a qualified instructor
Snowboarding off-piste with a qualified instructor
To view full the terms and conditions, you can download a copy of the policy booklet on our Travel Insurance website.
* Under Personal Liability cover, you will not be covered for liability caused directly or indirectly by you owning or using any aircraft, motorised vehicle, boat or any form of motorised leisure equipment.
For annual multi trip policies, each trip must be no longer than 31 days unless you opted to increase the maximum trip length to either 45 or 60 days when you took out the policy. To increase the maximum trip length beyond 31 days, you must be aged under 65. If you buy an annual multi trip policy, there is no limit to the number of trips that you can take during the term of the policy.
Single trip policies will be for the duration that you have stated when you purchased the policy and can be up to 90 days if you are under 65. If you are 65 or over, the maximum trip length is 31 days.
For annual multi trip policies, where you have selected to include Winter Sports you will be covered for up to 17 days' Winter Sports Cover in a year.
Yes. Although the European Health Insurance Card (EHIC) entitles you to reduced cost, sometimes free, medical treatment when you're travelling in the European Economic Area (countries within the EU plus Iceland, Liechtenstein and Norway), it may not always provide sufficient cover e.g. it will not cover the cost of repatriation.
It also does not provide for any other pitfalls you may encounter such as cancellation of your trip, travel delays, lost baggage etc.
If we agree to a claim for medical expenses which has been reduced because you use an EHIC card, we will not apply the excess.
To apply for an EHIC, visit www.ehic.org.uk or pick up an application form at your local Post Office.