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.
You can call for a full refund within 14 days of purchase as long as you haven't started your trip, made or are likely to make a claim. For single trip policies, we will only refund your premium if the period from the date we issued the policy until your sechduled return date home is greater than 28 days. If you wish to discuss your cancellation options, please call us 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
Unexpected medical costs will be covered under the policy, provided that there are no pre existing conditions medical conditions relating to your pregnancy, and you aren't travelling against medical advice. You must also travel within the health requirements stipulated by the carrier, their handling agents or any other public transport provider.
You must not travel against medical advice.
If the medical condition appears to be serious, you should contact the Emergency Medical Helpline as soon as you can for advice and assistance.
For any other medical treatment, you should pay any bills yourself and keep the receipts as this will help Tesco Bank Travel Insurance deal with your claim. Please note that your excess will not apply if your claim has been reduced by using a European Health Insurance Card (EHIC).
- To call from Europe - 00 44 23 8064 4633
- To call from USA & Canada - 011 44 23 8064 4633
- 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 and calls may be recorded)
The Finest travel insurance policy provides Financial Failure cover. This covers each person insured on the policy for up to £1,500 if the end supplier (scheduled airlines, hotels, train Operators including Eurostar, car ferries, villas abroad and cottages in the United Kingdom, coach operators, car hire companies, caravan sites, campsites, mobile homes, camper rentals, safaris; excursions; Eurotunnel; theme Parks such as Disneyland Paris) becomes insolvent and you are unable to recover any amount paid from another source. The Financial Failure Cover is provided and administered by International Passenger Protection Limited and underwritten by certain underwriters at Lloyds.
Please note that this does not cover the financial failure of a travel agent, booking agent, consolidator, tour operator or tour organiser. When booking travel arrangements, you should check that the agent/tour operator is a member of ABTA or ATOL as this offers additional protection in the case of financial failure.
Excesses and exclusions apply. Please see the Policy Booklet for full details of cover and the insurer that provides this cover.
To find out more about ABTA and ATOL schemes, you can visit the websites below -
You can call from home or abroad at any time to receive assistance in the event of a medical emergency. The phone line is open 24 hours a day, 365 days a year.
In the case of a medical emergency, you can call Assistance International - the Medical Emergency helpline. This is a 24 hour worldwide service for real medical emergencies and can be contacted on +44 23 8064 4633*.
To call from Europe - 00 44 23 8064 4633* To call from USA & Canada - 011 44 23 8064 4633*
(Calls may be recorded. *Different dialling codes may apply from different locations Worldwide)
It is helpful if you keep receipts, guarantees, instruction manuals, valuations or photographs of your belongings as these may help to support your claim. We may also ask you to provide us with estimates or invoices for claims involving replacement of items or medical expenses. If the claim involves theft or criminal damage, you should inform the police within 24 hours and keep a copy of the police reports.
Our claims consultants are fully trained and have an excellent knowledge of the policy cover you have arranged with us. Wherever possible, we will let you know during your first call to us whether your claim is covered by your policy.
Claims are open 24/7 and can be contacted on 0345 677 7555*.
Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
You should report any damage or temporary loss to your carrier (for example the airline or ferry company) and obtain a 'Property Irregularity Report' (commonly known as a 'PIR') from them. Please keep any damaged items for inspection. If your belongings have been temporarily lost and you need to purchase any replacement items, please keep all your receipts as this will help us to deal with your claim. Please refer to the Policy Booklet for full terms and conditions.