tesco travel insurance cancelled flight

Help for existing Travel Insurance customers

Travel insurance claim.

We're here to help if you have any issues while you're away, need to update your policy, make a claim or renew.

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If you need help in a medical emergency, you can call our emergency helpline which is open 24 hours a day, 7 days a week.

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Making a claim on our Travel Insurance

Gadget cover claim.

Our claims team are here to help you make a new claim or talk about an existing one.

If you purchased or renewed your policy on or after 13 December 2023, your appointed claims administrator is Taurus.

If you purchased your policy before 13 December 2023, your appointed claims administrator is Citymain.

Travel Insurance claim

You can make a claim online or give us a call. Please check your policy documents to find out what’s covered.

Car Hire Excess Insurance claim

Give us a call to make a claim on your Car Hire Excess additional cover. Lines are open Monday - Friday, 9am to 5pm.

Quick answers to common questions

Getting set up

Just applied for Travel Insurance? Here's what you might need to get started.

Managing your policy

Some of our commonly asked questions about Travel Insurance.

Something's not right

Not sure about something on your policy? We're here to help.

See a doctor virtually wherever you are

If you have a Single or Annual Multi Trip policy with Premier cover, a Backpacker or Later Life policy, you have access to the 'Doctor Please!' app to book online consultations. This service is provided by AXA (IPA). You'll find your access code in your welcome email or SMS. Alternatively you can call the team on the number below 24 hours a day, 7 days a week to book a consultation call.

What type of cover do you have?

How did you buy your policy.

It’s important that you review the full policy document for your Travel Insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.

The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.

Policy Wording Documents

If you purchased or renewed your policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your policy before 13 December 2023, your policy document is below.

Product Information Documents

So we can help you find your documents, please give us a call.

0345 030 6124

Product Information Document

Important information.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of our additional cover.

Gadget cover is not available if you purchased from moneysupermarket.com

Gadget Cover Documents

Car hire document, how we collect and use your personal data.

Tesco Personal Finance PLC (trading as Tesco Bank) acts as an intermediary for this policy. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust). You can find out more about how ROCK will process and share your data in their Privacy Notice.

ROCK will share some of your information with Tesco Bank as set out in their privacy notice and you can find out more about how Tesco Bank will then process that data in our Privacy Policy .

ROCK will also share data with IPA UK so that they can underwrite your policy and if you make a claim. You can find out more about how IPA UK will process your data in the ‘Data Protection Notice and Fraud’ section of the Policy Wording document and by visiting the AXA Assistance website and AmTrust Europe website.

Top Travel Insurance FAQs

This is the part of the claim that you agree to pay per person. This is limited to two excess amounts per trip, even if more than two insured persons are claiming.

Excess amounts are detailed in your quote and in your policy booklet. You should check and be aware of these before you purchase.

All limits are per insured person.

Single Trip : The maximum duration of any one trip is 365 days.

Annual Multi Trip : 31 days per trip.

Backpacker Insurance : The maximum trip duration for any one trip is 550 days, you are covered for 3 return trips to the UK with a maximum duration of 31 days per trip.

Later Life : The maximum duration of any one trip is 15 days per policy. There is a 15-day maximum trip length for Winter Sports trips (if purchased).

If single trip cover is selected, you are only covered for trips which last up to or less than your maximum trip duration you selected (confirmed on your policy certificate).

Tesco Bank Travel Insurance doesn't cover mobile phones.

Optional Gadget Cover may be available to purchase at an additional cost.

Monetary limits, excesses and exclusions apply, for full details and eligibility please refer to your policy booklet.

You should also check if you have cover elsewhere, such as Home insurance or packaged bank accounts.

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust).

Yes, for all loss, theft or attempted theft claims you will be asked to provide a Police report including crime reference number or incident report, from the local Police in the country where the incident occurred.

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How to Use Travel Insurance to Cancel a Flight

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Table of Contents

Basic process for travel insurance flight cancellation

Additional tips for travel insurance flight cancellation, if you need to cancel a flight with travel insurance.

Travel insurance can reimburse you for the nonrefundable portion of your flight expenses when you have to cancel a trip due to serious illness, a death in the immediate family, natural disaster or other reason specifically covered by your policy. But to make sure your claim is processed, you need to cancel your flight and file your claim the right way.

If you’ve been wondering how to cancel a flight with travel insurance — here's what you need to do.

The steps necessary to cancel a flight with travel insurance vary by travel insurance company, but many have the same basic process for submitting a claim.

1. Cancel your flight with the airline

Contact the airline to cancel your flight. For most airlines, this can be done online, through its app or by calling customer service. The airline isn't concerned about whether or not you have travel insurance protections.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

2. Determine the amount of your claim

When you cancel a plane ticket, you may be entitled to a refund of some or all of your ticket price. Travel insurance reimburses you for the nonrefundable portions of your affected travel plans; your claim amount is the price of your nonrefundable travel plans minus refunds that you have received, up to your eligible limits.

3. Start your claim

Claims can be started online or over the telephone with most travel insurance providers. Some allow you to submit your claim through their mobile app. To get started, have your policy information and travel details handy.

» Learn more: The majority of Americans plan to travel in 2022

4. Review the claim documentation checklist

Travel insurance companies often provide a checklist of documents you’ll need to process your claim. Gather all of the documents required by the insurance company, even if you don't understand why it is asking for them.

5. Submit your supporting documents

Once you have the documents, submit them to the travel insurance company for its review. It's best to submit all of the information at once, rather than piecemeal, so that the claims adjuster can quickly make a decision.

6. Respond to additional requests right away

If the insurance company requests additional documents or information, respond as quickly as possible. If too much time passes, your claim could be denied.

» Learn more: The best credit cards for travel insurance benefits

Here are tips for dealing with a trip cancellation to make the process as smooth as possible.

Determine if you're canceling for a covered reason. A common question travelers have when they need to cancel a trip is: Can I cancel my flight with travel insurance? Depending on your policy, the answer may be yes. With many trip insurance policies, you can expect to get reimbursed only if you cancel for a covered reason, like serious illness, terrorist attack or death in the immediate family. Review your policy to determine what reasons are eligible for coverage.

Document everything and save all receipts. Save all of your receipts, emails and other items related to the trip. Keep a journal of all communications with the airlines, your doctor (if applicable), the insurance agency and anyone else related to your claim. Consider scanning and backing up your documents in case they are lost.

Call your doctor if you’re sick. You may not be feeling well, but can you prove you are sick enough that a reasonable person would need to cancel the flight? A doctor’s advice that you cancel your trip can help prove that your travel insurance claim is valid.

Contact your travel insurance company right away. You should start your travel insurance claim as quickly as possible. If you don't submit your claim and supporting documentation within the required timeframe, your claim will be denied.

Consider rescheduling your flight. After the pandemic struck, many airlines dropped the fees for changing flights . If you are planning to make this trip in the near future, contact the airline to ask about rescheduling your flight. This could be quicker and easier than trying to get reimbursed through insurance.

Remember that travel companions might be covered, too. Review your travel policy to see if it covers travel companions as well.

Buy the right insurance coverage from the get-go. The most flexible types of plans are Cancel For Any Reason, or CFAR plans; you can avoid a lot of phone calls and proof-of-coverage demands by purchasing CFAR policies.

Travel insurance offers protection in case you need to cancel a flight. Follow the steps carefully and document everything to prevent the insurance company from denying your claim.

Before canceling, discuss your situation with the airline to see if you can cancel or reschedule your flight without incurring a fee. This may be quicker and easier than submitting a claim through your travel insurance provider.

To file a trip cancellation claim on travel insurance, contact your insurance provider online, through its app or by phone. They will provide detailed instructions on how to submit your claim, including what documentation they'll need based on your reason for filing a claim.

In many cases, yes, you can cancel your flight and be reimbursed if you have an eligible reason for canceling. You may not cancel the flight because you've changed your mind. You must have a valid reason that is detailed in your travel insurance policy.

Travel insurance reimburses the cost of nonrefundable travel plans if you need to cancel your flight for a covered reason. To receive reimbursement, you must file a claim and submit supporting documentation that validates your eligibility to receive reimbursement.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

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

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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.

June 1, 2020

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Flight Cancellation Insurance: Your Questions Answered

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Missed flight cover: when can you claim if you miss your plane?

Bad weather, traffic jams, breaking down or not having a valid passport could all mean you can’t get as far as the airport – we look at whether your travel insurance will pay up

• Look After My Bills Newsletter Newsletter

What is missed flight cover?

What can you expect from your policy, how to claim.

Your flight might be leaving but if you’re stuck in a traffic jam, broken down on the motorway, or bad weather means you can’t reach the airport - it’s worth knowing whether you’ll be out of pocket or can make a claim on your travel policy.

Reading the small print of your  travel policy  may not seem like a fun task, but it’s always worth checking what you’re covered for and ensuring any payouts are sufficient to cover your potential losses.

Some travel policies will include what’s known as missed flight cover or missed departure cover. Depending on the policy terms, this may pay out if you miss your plane, train or even the start of a cruise for certain reasons beyond your control.  

Missing the start of your trip because you discover your passport is out of date, because you forgot to check or renew it, means it’s unlikely you can make a claim on your travel policy.  

And with passport workers expected to go on strike from next month, which could cause passport delays it’s worth getting organised early, as failing to have a valid passport due to strikes may also mean you’ll be out of pocket on your trip.   

If you miss your flight because you don’t have the appropriate visa or relevant travel documents, then once again it’s unlikely your travel insurer will pay up. This is why it’s always worth checking the entry requirements of any country you visit, well ahead of your trip.  You can find a complete country list on the government website .

And when it comes to weather-related disruptions, Ceri McMillan, travel insurance spokesperson for Go.Compare said: “S ome travel insurance policies include cover for a range of natural disasters and extreme weather”.

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“However, it’s important to note that you won’t be able to claim for any weather-related disruptions if the bad weather had been forecasted before you took out your policy”.

Missed flight cover, which can also be known as missed departure cover is the section of your travel policy you can claim under if you miss your departure, due to events beyond your control. 

Depending on the policy terms and conditions, it could include flights, trains and boats, but cover usually only kicks in due to specific circumstances.  

This usually includes adverse weather conditions – like heavy snow, along with breakdowns or if you’re delayed due to being involved in a major traffic jam or road accident.

Check your level of cover because limits can vary by policy and insurer.  In some cases, with long-haul trips, policies may not even cover the cost of your original flight ticket.

And in the event you miss your flight and need to rebook your ticket at short notice, you may find flight prices are a lot higher than any original deal you booked.   

We’ve taken a look at the level of cover provided by policies from several major providers.

Sainsbury's bank: from £300 - £500

Missed departure cover is included as standard with its silver, gold and platinum travel policies.  

Cover includes the cost of a replacement airline ticket plus any accommodation expenses if you miss your flight as a result of adverse weather conditions, strikes or industrial action, or if your car breaks down or you are involved in an accident.   

But, its cheaper silver policy only pays a maximum of £300, which may not cover the cost of a replacement ticket if you’re travelling long haul, say to the USA or Dubai. 

The cover is up to £500 at the platinum level.

Nationwide: up to £1000 per person

Its FlexPlus travel policy is included with its fee-paying FlexPlus current account and covers missed, delayed or abandoned departure cover as standard.  

This covers travel and accommodation expenses up to £1,000 for each insured person, if you’re unable to make your departure due to adverse weather conditions, travelling by public transport or having a car accident, breakdown or being caught in heavy traffic due to bad weather.

Co-op bank: up to £1000 per person

Its silver, gold and platinum travel policies all include missed departure cover.

Policy terms include claims made due to poor weather conditions, like ice and snow as well as delays on public transport or major traffic jams.  

The cover is from £500 per person with the silver cover up to a maximum of £1,000 per person with the gold cover.

Admiral insurance: up to £1000

Missed departure cover is standard across all levels of Admiral’s travel insurance. 

This covers the cost of onward travel and accommodation with limits between £500 to £1,000 depending on your policy. 

With Admiral the maximum limit is £500, £750 with Gold and £1,000 with its Platinum cover.

But there are some exclusions. In the event you buy a travel policy after a severe weather warning has been publicised, you won’t then be covered for claims relating to adverse weather.

Tesco bank: up to £1500

An economy travel policy with Tesco Bank pays up to £500 for missed outbound flights.

But with its Premier policy, you can claim up to £1,500 for both outbound and inbound flights, should you need to.

Aviva insurance: up to £5000

Travel disruption cover is an optional extra with Aviva and not included as standard.

Aviva says this section would cover you for ‘unrecoverable expenses’ if you have to cancel your trip because certain circumstances, including severe snowfall, prevent you from leaving home to travel on your scheduled departure date.

If you need to make a claim for missed departure, contact your insurer as soon as possible, as there may be time limits in place.

Depending on the reason for your claim, your insurer may want to see evidence to support your claim, for example, if you break down in bad weather and call your breakdown provider, they may want to see details of the breakdown report.

Worth knowing that missed departure cover doesn’t extend to oversleeping and missing your trip for any reason other than those listed in your policy terms and conditions.

• Flight cancellations: what are your refund rights?  
• What is travel insurance and why do you need it  
• 8 mistakes that could invalidate your travel insurance  
• Holiday refunds: how to get your money back if your holiday or flight is cancelled?  

Sue Hayward is a personal finance and consumer journalist, broadcaster and author who regularly chats on TV and Radio on ways to get more power for your pound.  Sue’s written for a wide range of publications including the Guardian, i Paper, Good Housekeeping, Lovemoney and My Weekly. Cats, cheese and travel are Sue’s passions away from her desk!

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