Tesco Bank travel insurance with Covid-19 cover

  • Protection if you test positive for Covid-19 and need to cancel
  • Economy, Standard and Premier policies available for your holiday (abroad or UK)
  • Cover for single trips, multiple trips, backpackers & pre-existing medical conditions

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Tesco Bank travel insurance

In March 2021, it was announced that Tesco Bank now has a new travel insurance policy that covers policyholders against certain situations relating to Covid-19.

Here, we review Tesco’s new insurance product, explaining what it does and doesn’t cover you for.

Important: Remember, if you intend on travelling (either abroad or in the UK), you must be sure to check the latest advice and guidelines regarding travel and restrictions from the Foreign, Commonwealth and Development Office (FDCO) and with local authorities in your intended destination. If you go against any advice, your travel insurance policy is likely to be void.

According to Tesco’s website, ‘The earliest start date for Single Trip and Backpacker policies is 17th May 2021’.

Does Tesco Bank do travel insurance?

Yes. After stopping to offer travel cover and ending its partnership with Ageas in December 2018, Tesco Bank is now offering a new travel insurance policy that covers Coronavirus-related situations and travel disruptions.

Tesco’s new holiday insurance policies will be underwritten by AXA Partners and they have a new partnership with ROCK Insurance Group who will work closely with Tesco to manage the newly released insurance product.

Covid-19 protection as standard

Anyone purchasing travel cover with Tesco can feel reassured knowing that wherever they are planning on travelling, whether abroad or in the UK, they will be covered for situations relating to Covid-19, offering financial protection for policyholders who may experience some sort of disruption while on their trip as a result of the virus and those who might test positive for Covid-19 before travelling or while abroad (more details below).

The commercial director of insurance for Tesco, Mark Airey, has stated: “Offering Covid-19 protection as standard helps to give customers peace of mind; they are protected should they test positive and they have to cancel or cut short their trip. With a range of cover levels available to Tesco shoppers, we’re confident customers will find a policy that suits them and their holiday once travel at home and abroad is permitted.”

Visit Tesco online to get a travel insurance quote and to learn more about the optional extras available.

What types of travel does Tesco offer?

Tesco Bank offers 3 main levels of cover (ranging from lowest to highest level of protection):

  • Economy
  • Standard
  • Premier

Both their Standard and Premier levels have a 5-star Defaqto rating and offer the most cover compared to their Economy policies. 

As with most insurance policies, there are limits, excesses and exclusions, so always be sure to check the terms and conditions of your policy and ensure you know exactly what you will and won’t be covered for before purchasing.

They also offer different types of cover depending on the nature of your trip.

Travel insurance for single trip

Tesco Bank offers travel cover for people wanting to plan just the one trip in the next 12 months. All you need to do is purchase a policy that covers you for the duration of your holiday and from the moment you make the purchase, you will be covered against cancellation.

Multiple trips (annual multi-trip cover)

If, within the next year, you are planning on having more than one holiday, a multi-trip policy would benefit you more than purchasing a single trip policy for each holiday - multi cover often works out much cheaper.

With both single trip and multiple trip policies, children can be added to the policy for free, provided they are under 16. 

You also get access to an English-speaking doctor either via an app or on the phone - you must purchase the Premier level of cover to have this benefit, however.

Travel insurance for backpackers

Planning on backpacking around Europe or Asia? Tesco Bank has policies designed for tips that often last much longer than standard holidays (up to 18 months) and that involves visiting more than one country.

This type of travel insurance policy is great for people who are planning to take a gap year or have a break mid-career.

Travel insurance for pre-existing medical conditions UK

Tesco is able to help travellers who may have pre existing medical conditions, but you will need to inform them when applying for a policy if this applies to you or anyone you’re travelling with and who will also be covered on the same policy. 

This may incur an extra cost due to the extra risk you potentially pose, as there is a slightly higher risk of you making a claim on your policy compared to someone who does not have any pre-existing conditions.

It is important that you do not lie about any existing or pre-existing medical conditions, as doing so is more than likely going to end up in a rejected claim if you need to make one.

Additionally, you must not travel if a doctor, other medical practitioner or public transport provider has told you not to - if you do, this will invalidate your policy and you will not be able to make a claim if something goes wrong.

Covid-19 travel cover with Tesco - What you are/aren’t covered for

Wherever you plan on going for your holiday, you need to, of course, be prepared for potential disruptions as a result of the Covid-19 pandemic.

Luckily, Tesco’s travel cover policy will protect you against the following situations:

Before travelling

During your holiday

You have tested positive for Covid-19, meaning you are unable to travel. You experience a medical emergency due to Covid-19.
The NHS Test and Trace service has contacted you, so you’re unable to go on holiday. You have been told that you must self-isolate/quarantine and so you are unable to travel back home.
You’re not permitted onto an aeroplane because you are showing signs of Covid-19 symptoms. You need to come back home earlier than planned due an unexpected lockdown taking place in your holiday destination.
A family member you were supposed to stay with while on your travels has been told to self-isolate, so you can’t go. Medical costs and getting back home - as long as you have travelled as per FCDO or local authority instructions and you haven’t gone against any medical advice provided to you.

Tesco’s travel insurance DOES NOT cover you for the following situations:

  • Advice from official organisations (FCDO, etc) changes during your trip
  • You change your mind about travelling and want to cancel
  • Your trip is cancelled due to being advised against ‘all but essential travel’ by the FCDO or other local authorities.

For more information about Tesco’s travel policies, be sure to check out their website and policy documents.

Does my Tesco credit card cover travel insurance?

If you have a Tesco premium credit card, you will be rewarded with a host of benefits, and one of those is travel insurance that offers cover for an unlimited number of holidays (provided you are under 70).

The cover you get with your Tesco credit card includes protection for medical expenses, cancelled trips and your personal items.

There are exclusions and limits, however, so if you have a Tesco credit card or are thinking of getting one, be sure to read the terms and conditions so you know exactly what you are/aren’t covered for. If you’re not sure about anything, such as whether your cover protects you against incidents relating to Covid-19, contact Tesco directly.

Benefits for Clubcard members

If you are a Tesco Clubcard member looking to buy travel insurance with Tesco Bank, you can expect to receive some benefits when buying travel cover, such as:

  • Save 5% on your policy when purchasing directly with Tesco (not on comparison sites, for example). You will need to type in your Clubcard number in order to receive the discount on your policy.
  • You’ll receive 1 point on your Clubcard for every £1 you spend when purchasing travel insurance - as long as you include your Clubcard number when applying!

Tesco insurance reviews

Unfortunately, Tesco Bank doesn’t have the best reviews on Trustpilot, with 21% of people reviewing it as ‘Excellent’ or ‘Good’, and a larger 74% rating it as ‘Bad’. 

It’s worth bearing in mind, however, that in total, there are only 239 reviews, so it doesn’t seem like a fair judgement as there are always going to be negative reviews with anything you’re looking to purchase online.

Also, there are currently no specific reviews regarding their new travel insurance policy as they have not been used yet due to the Coronavirus pandemic, so only time will tell whether or not Tesco offers the best travel insurance for covid-19 coverage.

It’s also worth noting that Tesco is in partnership with ROCK Insurance Group and AXA. The former recently had an Excellent 5-star review (7/4/2021) where the customer wrote “No problems. Transferred to rebooked holiday with ease.” AXA also has a TrustScore of 4.2.

As with any type of financial product, it’s always worth doing your research beforehand to ensure you’re getting exactly what you need at the best price for your budget.

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