All travellers must be aged 74 or under for annual trip policies. If someone in the party is over 74, don’t worry, you can still apply for a single trip policy online or by calling 0345 293 9475*. *This number may be included as part of any inclusive call minutes provided by your phone operator.
For the purpose of Tesco Bank Travel Insurance, the following countries are classed as Europe: ALBANIA ALGERIA ANDORRA ARMENIA AUSTRIA AZERBAIJAN AZORES BELARUS BELGIUM BOSNIA BULGARIA CANARY ISLANDS CHANNEL ISLANDS CROATIA CYPRUS CZECH REPUBLIC DENMARK EGYPT ENGLAND ESTONIA FAROE ISLANDS FINLAND FRANCE GEORGIA GERMANY GIBRALTAR GREECE HUNGARY ICELAND ISLE OF MAN ISRAEL ITALY KOSOVO LATVIA LEBANON LIBYA LIECHTENSTEIN LITHUANIA LUXEMBOURG MACEDONIA MADEIRA MALTA MOLDOVA MONACO MONTENEGRO MOROCCO NETHERLANDS NORTHERN IRELAND NORWAY POLAND PORTUGAL REPUBLIC OF IRELAND ROMANIA RUSSIA (west of Ural Mountains only) SAN MARINO SCOTLAND SERBIA SLOVAKIA SLOVENIA SPAIN SWEDEN SWITZERLAND SYRIA TUNISIA TURKEY UKRAINE VATICAN CITY WALES If you're unsure which area you will need cover for, there is a "Country Search" facility available during the quote and buy process.
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 will either offer you cover for the existing medical condition (for an additional premium), or exclude any claim arising as a result of the existing condition. 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*. *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.
It is important to be aware that travel insurance only covers specific risks. If an event occurs that isn't covered by the policy, you are unlikely to get back all the money you have paid for your trip. For example, if you book a flight and accommodation separately and your flight is cancelled, your airline should refund or rearrange your flight but you may not be able to recover your accommodation costs from the provider. (An excess would also normally apply to any claim amount that is paid to you). Travel insurance does not cover any events that are known about before taking out the policy or booking a trip. For example, if strike action has been announced, the risk to a flight being cancelled is much greater and policies purchased after the announcement would not provide cover if this happened. You can download a copy of your policy booklet on our Travel Insurance website by clicking here.
As soon as you discover it is missing you must report your lost or stolen passport to the local police and to the British Foreign and Commonwealth Office (FCO), Embassy or High Commission of the country you are in. For details of the nearest FCO call +44 20 7008 1500 or visit the FCO website. After reporting the loss or theft to the FCO office, you will need to complete a lost or stolen declaration form LS01 available from the FCO website . You can also obtain the form from the local FCO office. If your passport has been stolen make sure to get a police report as you will need the crime reference details for the completion of the LS01 form. When you have completed the relevant paperwork, the FCO will record the loss of your passport and it will be cancelled to prevent someone else from using it. A new passport will then be issued to you so that you can continue your travels. For more information, visit the HM Passport Office website.