does tesco travel insurance cover covid 19

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Tesco Bank reveals new travel insurance product with Covid-19 cover

By Clare Ruel 2021-03-24T07:59:00+00:00

• No comments

The company has partnered with ROCK Insurance Group to manage its new product, while AXA Partners will provide the underwriting 

Tesco Bank has launched a new travel insurance product that includes Covid-19 cover as standard to help protect customers who test positive for the virus and may experience disruption on their trip.

Read more… Tesco Bank to underwrite its motor and home insurance book in house  

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Tesco has partnered with ROCK Insurance Group to manage the scheme, while ROCK has selected AXA Partners to provide the underwriting, claims handling and medical assistance services.

There are three tiers of cover available, which can be tailored with add-ons and optional extras, but all policies come with core features, including cover for medical expenses, trip cancellation or delays, as well as lost or stolen baggage or money.

Two specialist products are available aimed at backpackers and customers aged over 80-years-old.

Mark Airey, Tesco Bank’s commercial director of insurance, said: “We’re proud to expand our award-winning insurance offering to Tesco shoppers with the addition of Tesco Bank travel insurance.

“We appreciate that the immediate outlook for travel remains uncertain, however the need for travel insurance is greater than ever – whether holidaying in the UK or abroad.

”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.”

In January,  Tesco Bank announced its plans to underwrite its own home and motor insurance book.  

Insurers’ duty

Antony Martin, managing director at ROCK Insurance Group, said: “ROCK is providing Tesco Bank’s customers with a wide range of travel insurance products and services that are available online or via a dedicated call centre, meaning that more people will be protected and have the confidence to travel as soon as restrictions have eased.”

Paul Moloney, sales director at AXA Partners, added: “We’re delighted to announce our new partnership with Tesco Bank to provide underwriting and other services for its new travel insurance proposition.

“It is our duty as insurers to safeguard customers’ trust, implementing solutions that provide assurance and protect what matters.

”We very much look forward to providing Tesco Bank customers with quality travel insurance cover both now and when we are free of this pandemic.”

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Tesco Bank launches Travel Insurance

23 March 2021

• Travel added to Tesco Bank’s award-winning insurance range that includes Pet, Home and Car
• Protection against Covid-19 related disruption as standard
• Three levels of Defaqto-rated cover are available, as well as optional extras and add-ons
• Tesco Clubcard points and a discount are available to Tesco Clubcard members

Tesco Bank has expanded its offering to customers with the launch of travel insurance.

Tesco Bank Travel Insurance will include Covid-19 cover as standard, to help protect customers who test positive and experience Covid-19 related disruption, either before or during their trip.

Three tiers of cover are available to suit a range of customer needs, offering different levels of protection for travel and belongings.  All policies come with core features that include cover for medical expenses, trip cancellation or delays, and lost or stolen baggage or money.

Customers can also tailor their policy with a range of helpful optional extras and add-ons, such as gadget protection and Winter Sports Cover.

Two specialist products are available aimed at backpacker travellers and customers aged over 80.

Policyholders will enjoy helpful rewards, including the ability for children under 16 to be covered for free on single and annual multi trip policies and the chance to save money on their travel insurance when they buy Tesco Travel Money first. Tesco Clubcard members who buy direct can save 5% and collect Clubcard points when they provide their Clubcard number.

Mark Airey, Tesco Bank’s Insurance Commercial Director, said:

“We’re proud to expand our award-winning insurance offering to Tesco shoppers with the addition of Tesco Bank Travel Insurance.

“We appreciate that the immediate outlook for travel remains uncertain, however the need for travel insurance is greater than ever – whether holidaying in the UK or abroad.  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.”

Tesco Bank has partnered with ROCK Insurance Group to manage the scheme, while ROCK has selected Axa Partners to provide underwriting, claims handling and medical assistance services.

Antony Martin, Managing Director at Rock Insurance Group said : “We are incredibly excited to be partnering with Tesco Bank to launch travel insurance to its customers. ROCK is providing Tesco Bank’s customers with a wide range of travel insurance products and services that are available online or via a dedicated call centre, meaning that more people will be protected and have the confidence to travel as soon as restrictions have eased.”

Paul Moloney, Sales Director at AXA Partners said : “We’re delighted to announce our new partnership with Tesco Bank to provide underwriting and other services for its new travel insurance proposition.

“It is our duty as insurers to safeguard customers’ trust; implementing solutions that provide assurance and protect what matters. We very much look forward to providing Tesco Bank customers with quality travel insurance cover both now, and when we are free of this pandemic.”

Tesco Bank Travel Insurance can be purchased by visiting https://www.tescobank.com/travel-insurance/  

Notes to editors

• Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.
• Monetary limits, excesses and exclusions apply to cover.
• Covid-19 cover includes cancellation if you fall ill with Covid-19, medical claims whilst travelling, and curtailment (if you need to come home early) due to the illness of a close relative due to COVID-19 We don’t include cover for cancellation where the Foreign, Commonwealth & Development Office and local authorities advise against travel.
• Cover can be purchased on a single trip or annual basis and will be available to individuals, couples, families and groups of up to 12.
• Backpacker insurance is aimed primarily at travellers looking for cover for trips longer than three months or a variety of destinations, while the Later Life policy is designed for customers over 80 years old who may find it difficult to obtain cover due to pre-existing health conditions.

How can travel insurance help with travel disruption and holiday cancellations?

Strikes, delays and staff shortages. A lot of our holidays have been disrupted or affected recently. If you’re worried about your travel plans and what you can do to protect your finances if something goes wrong, we’re here to help.

Why are there strikes and travel disruptions?

As restrictions on travel within and outside the UK have been lifted for the first time since early 2020, demand for travel has picked up and the pressure on the transport industry has increased. From flights to train journeys and ferry trips, we’re seeing large queues, long waits, and cancelled services for travellers.

There are staff shortages across the industry, plus strike action over pay and working conditions. All of this has caused a lot of disruption and made travelling that bit more stressful.

Cancellation, delays and baggage loss – what might be covered?

Here are some tips on what to do if you’re affected by delays, cancellations or baggage loss, including how airlines might compensate you and what you may be entitled to under a travel insurance policy.

Compensation for flight cancellations

If your flight is cancelled for reasons outside of your control and you can’t claim the cost back through your provider, travel insurance might cover some of the cost. Airlines or train companies will often compensate you for cancellations or offer alternative travel options and you should try asking for a refund first. When that’s not possible, take a look at your travel insurance policy to see what you might be covered for. If you’re flying within or to and from the EU, it might be handy to familiarise yourself with your passenger rights .

Travel cancellations and hotel bookings

Travel insurance can also help when a cancelled or delayed flight or journey have an impact on hotel stays. First you should contact your hotel or booked accommodation to ask for a refund. If they refuse to give you one, your travel insurance policy may cover you for the cost of your cancelled stay.

Travel cancellations due to COVID-19

While restrictions have been lifted and holidaymakers are able to enjoy travelling again, we know that there are still situations that might crop up due to COVID-19. Find out what Tesco Bank Travel Insurance could cover before you head away and during your trip in our guide to COVID-19 cover . Monetary limits, excesses and exclusions apply.

Travel delay

Whether the delay hits while you’re sitting on the runway or still in the comfort of the airport, a journey delay can be frustrating. Citizens Advice offer helpful information around what compensation you may be entitled to depending on the distance of your trip and the length of your delay while flying, plus compensation you could claim if you’re affected by train disruption .

If you have flight connections on the same booking that you miss due to delays, your airline should try to provide a solution for you. However, travel insurance could cover the cost of getting you to your destination where your airline can’t, along with compensation for additional costs as a result of your delay.

Baggage delay and baggage loss

Sometimes your luggage doesn’t arrive in the same destination as you. As soon as you notice your bag is missing, you should report it to your airline immediately – and aim to report it and get a lost baggage report (Property Irregularity Report) before you leave the airport. If your luggage is delayed or lost in transit, you may be able to claim compensation from your airline in the first instance. If you can’t get money back from the airline, travel insurance could cover both baggage loss and baggage delay.

Know your rights

If you find yourself affected by any delays, cancellations or losses, keep your receipts and document everything – it may come in handy down the line for any claims you make, whether that’s with your airline or a travel insurance provider.

As a customer, you may be able to make claims with the travel providers directly, so it’s important to be aware of what your rights are:

• Air passenger rights when travelling within or to and from the EU Air passenger rights when travelling within or to and from the EU
• Flight delay or cancellation compensation Flight delay or cancellation compensation
• Holiday cancellations Holiday cancellations
• Package holiday cancellation and compensation Package holiday cancellation and compensation
• Train delay and cancellation compensation Train delay and cancellation compensation

What Travel Insurance does Tesco Bank offer?

We offer Single Trip , Annual Multi Trip , Backpacker and Later Life Travel Insurance policies that could help you if your transport is cancelled before your trip, as well as cover some unexpected expenses while you’re there.

Depending on your level of cover, Tesco Bank Travel Insurance could cover you for:

• Up to £10,000 cover for cancellation or cutting short your trip Up to £10,000 cover for cancellation or cutting short your trip
• If a flight is cancelled and you have to abandon your trip where no alternative is offered within 12 hours, you may be covered for accommodation or car hire costs. If a flight is cancelled and you have to abandon your trip where no alternative is offered within 12 hours, you may be covered for accommodation or car hire costs.
• Up to £1,500 cover for missed departure. This may include additional flight or accommodation expenses incurred. Up to £1,500 cover for missed departure. This may include additional flight or accommodation expenses incurred.
• £50 per day, up to a maximum of £1,000 cover for travel delay £50 per day, up to a maximum of £1,000 cover for travel delay
• Up to £3,000 cover for baggage, with single article and valuable limits of up to £500 Up to £3,000 cover for baggage, with single article and valuable limits of up to £500
• Up to £100 per 24 hours of delayed baggage, up to a maximum of £1,500 cover. Note, this covers for delayed baggage lost in transit during the outward journey and is not returned to you within 12 hours. If the loss is permanent this will be deducted from your baggage allowance. Up to £100 per 24 hours of delayed baggage, up to a maximum of £1,500 cover. Note, this covers for delayed baggage lost in transit during the outward journey and is not returned to you within 12 hours. If the loss is permanent this will be deducted from your baggage allowance.
• Up to £500 cover for important documents Up to £500 cover for important documents

Monetary limits, excesses and exclusions apply. For full details please see the policy documents online.

Looking for some more information?

Key product information.

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

Important Information

The content on this page aims to offer an informative introduction to the subject matter but does not constitute expert financial advice specific to your own situation. All facts and figures were correct at time of publication and were compiled using a range of sources.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• World Nomads Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

SEE FULL REVIEW »

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

5 Best Travel Insurance Plans for Seniors (Medical & More)

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Best COVID-19 Travel Insurance in June 2024

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Table of Contents

Factors we considered when picking travel insurance that covers COVID

An overview of the best travel insurance for covid , top travel insurance for covid options , additional resources for covid-19 travel insurance shoppers.

No matter how well you prepare, travel plans don’t always go as expected. Some travelers buy travel insurance to protect their investment in prepaid travel costs. Amid the ongoing pandemic, exploring travel insurance with COVID-19 coverage is recommended. With the right policy, you can protect yourself if you need to cancel your trip or end it early due to illness. Many insurers offer travel insurance policies with this kind of coverage. 

This is the shortlist of the best travel insurance for COVID options: 

Berkshire Hathaway Travel Protection . 

John Hancock Insurance Agency, Inc.  

Seven Corners . 

Travelex Insurance Services . 

Travel Insured International . 

WorldTrips . 

We used the following factors to choose insurance providers to highlight in our best travel insurance for COVID list: 

Range of coverage: We looked at how many plans each company offered with COVID-19 coverage, plus the range of available plans. 

Depth of coverage: We compared the maximum caps for trip cancellation and trip interruption claims between carriers and plans.

Medical benefits: We examined whether plans included emergency medical benefits for COVID-19 reasons and whether plans included medical evacuation and repatriation benefits. 

Cost: We determined an average cost for shoppers to benchmark plan prices by looking at the basic coverage costs for plans with COVID-19 benefits across multiple companies.

We looked at quotes from various companies for a six-night trip in May 2023 to Croatia. The traveler was 30 years old, from Texas and planned to spend $1,500 on the trip, including airfare.

On average, the price of each company’s most basic coverage plan with COVID-19 coverage was $47.22. The prices listed below are for the most basic COVID-19 travel insurance coverage. All insurers offer multiple COVID-19 policies with greater coverage coming at a higher cost. 

Let's take a closer look at our eight recommendations for travel insurance with COVID coverage: 

Berkshire Hathaway Travel Protection

What makes Berkshire Hathaway Travel Protection great:

Several plans allow policyholders to cancel for COVID-19 sickness as part of trip cancellation and trip interruption insurance benefits. 

Several plans include COVID-19 medical coverage benefits.

Medical evacuation benefits are included in these plans. 

Plans include limited sports and activities coverage and sports equipment loss benefits. 

Basic Berkshire Hathaway Travel Protection will run you $50 for an ExactCare Value policy, the company’s most basic COVID-19 travel insurance coverage option.

What makes IMG great:

Many plans include COVID-19 cancellation benefits.

Most of these plans also include COVID-19 medical benefits (the Travel Essentials plan doesn’t include this). 

Medical evacuation coverage is available on select plans. 

Coverage for adventure travel is available for an extra cost. 

IMG is a good option for the budget-minded: Its Travel Essential plans cost more than $10 less than average based on our comparison. 

John Hancock Insurance Agency, Inc. 

What makes John Hancock Insurance Agency great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancellation coverage. 

These plans offer COVID-19 medical benefits.

Medical evacuation coverage is included in all COVID-19 coverage plans. 

The John Hancock Insurance Agency, Inc. basic plan (Bronze) costs $56. 

Seven Corners

What makes Seven Corners great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans include COVID-19 medical benefits and evacuation and repatriation benefits.

There is no medical deductible. 

Seven Corners’ basic coverage plan (RoundTrip Basic) for our trip to Croatia costs $44.

Travelex Insurance Services

What makes Travelex Insurance Services great:

Multiple plans include Covid-19 sickness coverage, which reimburses prepaid and nonrefundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus.

These plans also include COVID-19 medical benefits.

Medical evacuation and repatriation benefits are included. 

Basic coverage (Travel Basic) from Travelex Insurance Services costs $44 for our sample trip, which is slightly cheaper than average. 

Travel Insured International

What makes Travel Insured International great:

Multiple plans cover COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans also include COVID-19 medical benefits, including medical evacuation. 

Limited sports and activities coverage is included in plans with COVID-19 coverage. 

Travel Insured International's basic coverage (Worldwide Trip Protector Edge) begins at $55 — only a few dollars more than the average basic policy price. 

What makes Tin Leg great:

A wide range of plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

All of these plans also include COVID-19 medical benefits. 

All of these include medical evacuation benefits. 

An adventure travel policy is available. 

Another plus: Tin Leg’s basic coverage plan (Basic) for our trip to Croatia costs $48.85 — making it right around the average price for the policies we covered. 

WorldTrips 

What makes WorldTrips great:

Several plans include medical coverage for COVID-19. 

Sports and activities and sports equipment loss are included. 

Coverage can be extended for up to thirty days, including for medical quarantine purposes. 

WorldTrips’ most affordable plan with COVID-19 coverage (Atlas Journey Economy) starts at $44, making it a low-cost option. 

Do you want to learn more about travel insurance before you spend money on a policy? Take a look at these resources: 

What is travel insurance?  

What does travel insurance cover? 

The best travel insurance companies 

How to find the right travel insurance for you

10 credit cards that provide travel insurance

How to maximize your rewards

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Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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