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.
Tesco Bank Travel Insurance can provide cover for pre-existing medical conditions which have been declared.
If you are in any doubt, you should call to check whether you're covered for your medical condition before you travel. Please call 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 purchased a Tesco Bank Standard or Finest Travel Insurance policy, you could opt to double the normal excess (£60 on Standard and £45 on Finest) in return for a reduced premium.
If you selected this option, your excess for Standard cover will be £120 and your excess for Finest cover will be £90.
This option was 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. Your policy will cover you for the remaining amount up to the limit of your cover.
Claims consultants will tell you the amount of the excess and details can also be found in your policy schedule. The policy excess will be deducted from your claim settlement, or alternatively the appointed specialist or supplier will collect this amount from you.
You should call 0345 293 9475* to discuss your policy and see whether cover can be offered for the new medical condition.
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, the following are automatically covered -
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.
Yes. 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). You may have to contribute to your medical costs and it will not cover all costs, e.g. it will not cover the cost of repatriation to the UK.
It also does not provide for any other risks you may encounter such as cancellation of your trip, travel delays, lost baggage etc.
If you use an EHIC, any medical expenses claim will not have the excess applied.
To apply for an EHIC, visit www.ehic.org.uk or pick up an application form at your local Post Office.
If Britain leaves the EU without a deal, then the EHIC card will no longer be valid. Even if Britain remains in the EU or agrees a deal, the EHIC will not provide the same benefits as travel insurance. In the event of a no deal Brexit, then the excess will be payable on all medical claims as the EHIC cannot be used.
In the event that you need to return home urgently you should contact the Helpline who will be able to assist you on what you need to do.
To call from Europe - 00 44 23 8064 4633*
- To call from USA & Canada - 011 44 23 8064 463*
- To call from anywhere else in the World - +44 23 8064 4633*
(Calls may be recorded. *Different dialling codes may apply from different locations Worldwide)