Tesco Instant Travel Insurance (Internet)

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Your policy operates on the basis that you warrant to us that at the time of taking out this insurance and at the time you commence your journey:
1. You are not awaiting nor have received medical treatment in the past three months for an illness or injury as a hospital in-patient.
2. You are not taking medication or had medication prescribed for an existing condition.
3. You are not suffering or have suffered from a heart-related condition.
4. You are not awaiting surgery or any form of medical investigation/treatment or have received medical treatment in the past month as a hospital in-patient.
If any of the above apply you have what is termed an 'Existing Medical Condition' and any claims arising directly or indirectly there from will not be covered. To check that your medical condition is covered you must call us on 0845 300 7700.

The purpose of the Section is to enable you to seek essential emergency medical treatment should you fall ill or be injured in an accident whilst you are abroad, either so that you can continue with your journey or, if medically necessary, so that you can be repatriated to your home in the United Kingdom for further medical treatment.
If you require more than simple out-patient treatment of the sort that you can pay for locally, you should call our Assistance Service on +44 870 024 2796 for help and advice. If you are in the USA or Canada call toll free on 1 866 496 5249, South America or Caribbean call collect (Canada) on 905 816 2586. You should beware of requests for you to pay for excessive treatment charges; if you are in any doubt please call us for advice.
You must inform our Assistance Service immediately if there is any likelihood that you may be admitted to hospital for any reason; many hospitals will not begin treatment until the costs have been guaranteed. Should your condition be serious we will repatriate you to your home in the United Kingdom as soon as our medical experts consider that you are fit enough to travel safely.
Key Medical Conditions.
If your state of health changes significantly during the period of insurance you must advise us before making any new travel arrangements.
Part One - Emergency Medical Expenses Abroad
We will pay up to £2,000,000 for the following expenses necessarily incurred as a result of you becoming physically ill or sustaining personal injury whilst abroad:
1. usual and reasonable emergency expenses for medical, surgical and hospital charges (including emergency dental treatment for the relief of immediate distress only);
2. reasonable additional cost of repatriation to the United Kingdom;
3. reasonable additional bed and breakfast accommodation plus evening meal expenses of up to £15 per day;
4. economy travel and accommodation expenses of one relative or one friend, resident in the United Kingdom, who is required on medical advice to travel to, remain with or escort you if you are severely injured or become seriously ill. Valid receipts must be supplied to us;
5. reasonable additional cost of funeral expenses abroad or additional cost of returning your mortal remains to your residence in the United Kingdom.
Exclusions
We will not pay for any claim arising directly or indirectly from:
- any treatment or aid obtained in the United Kingdom;
- any elective (non-emergency) treatment, tests or surgery and cosmetic surgery, that are not directly related to the illness or injury resulting in your admittance to hospital;
- any surgery or medical treatment which, in the opinion of our medical advisors, is not essential or could wait until your return to the United Kingdom;
- any treatment or aid obtained after you in the opinion of our medical advisors, first became able to return to the United Kingdom;
- any claim arising directly or indirectly from pregnancy within two months prior to the estimated date of delivery, or seven days after delivery;
- the additional cost of single or private room accommodation at a hospital or clinic;
- any expenses for in-patient treatment or repatriation which have not been authorised by us;
- any medication which at the time of departure is known by you to be required or to be continued abroad;
- any dental work involving the use of precious metals;
- any treatment or services provided by a health spa, convalescent, nursing home or any rehabilitation centre .
Conditions
In addition to the General Conditions, the payment of claims under this Section of the Policy is conditional upon you:
1. not travelling contrary to medical advice or specifically to obtain medical treatment;
2. not having received a terminal prognosis prior to the issue of this policy;
3. not awaiting medical treatment as a hospital in-patient prior to any journey being booked unless it has been
4. advising the Assistance Service immediately in the event of a medical emergency, giving full details;
5. accepting our decisions concerning the most suitable, practical and reasonable solutions to any medical emergency.
Excess
You will be required to pay the first £50 of each and every incident giving rise to a claim for out-patient medical treatment under Part One of this Section. (No excess for children under 18)
Claims Guidance
- Observe the instructions in the Section entitled "What to do in the event of a claim" at the end of the document.
- Keep all receipts and accounts reserved for expenses incurred.
- If you receive medical attention for injury or illness, you must obtain receipted accounts together with a Medical Certificate showing the nature of the injury or illness.
- If your journey is extended or curtailed due to injury or illness arising abroad, you are required to obtain a letter from the medical authority concerned confirming that the extension or curtailment is medically necessary.

Telephone Number for Section L: +44 (0) 870 240 0287
Part One - Legal Advice
During the period of insurance or on returning home you may call our Legal Advice line for practical United Kingdom legal advice on any legal problem in connection with your journey.
Part Two - Personal Injury
We will pay a maximum of £15,000 under this policy in respect of legal costs to negotiate your legal rights in pursuing a civil action for compensation and to help you in appealing or defending an appeal following you sustaining bodily injury or death during your journey caused by the fault of another.
Part Three - Detention Abroad
If you are arrested or detained during your journey we will pay for the cost of an initial consultation by a local lawyer. We will not pay more than £250 under this section.
Part Four - Holiday Contractual Dispute
We will negotiate your legal rights following any contractual dispute arising out of an agreement you have for your journey during the period of insurance.
Exclusions to Part Two We will not pay for:
1. Any event occurring within the United Kingdom or your home country unless in connection with the journey
2. Any incident occurring as a result of you participating in hazardous activities or manual work.
Exclusions to Parts Two, Three and Four We will not pay:
1. For any action by you:
a) other than in your private capacity;
b) to pursue or defend a claim against another insured person or travelling companion;
c) against us or any of our agents.
2. To initiate or continue with legal proceedings where in our opinion, there are no reasonable prospects for recovery, or where the estimated recovery is less than £75.
3. For any legal costs incurred before we accept a claim under this policy.
4. In excess of £30,000 where the same original cause or event gives rise to claims by more than two of you.
5. Legal costs for any event or matter you were aware of prior to the inception of this policy.
6. Legal costs for any action taken in more than one country.
Conditions
1. You must notify us within 2 months after the date you should have known of the event giving rise to the claim.
2. An Appointed lawyer will be appointed by us and represent you according to our standard terms of appointment. The Appointed lawyer must co-operate fully with us at all times.
3. If we agree to start legal proceedings or if there is a conflict of interest you can choose an Appointed lawyer by sending us the lawyers name and address. We may choose not to accept this choice of Appointed lawyer but only in exceptional circumstances.
4. You must co-operate fully with the appointed lawyer and us.
5. We can take over and conduct in your name any claim or legal proceeding at any time before an Appointed lawyer is appointed. We can negotiate any claim on your behalf.
6. If an Appointed lawyer refuses to continue acting for you the cover provided will end at once unless we agree to appoint another Appointed lawyer.
7. You must tell us immediately if anyone offers to settle the claim.
8. If you do not accept a reasonable offer to settle a claim we may refuse to pay further Legal Costs.
9. You must not negotiate or agree to settle a claim without our approval.
10. We may decide to pay you the amount of damages you are claiming instead of starting or continuing legal proceedings.
11. If you stop a claim without our agreement or do not give suitable instructions to an Appointed lawyer the cover provided will end at once.
12. If we ask, you must tell the Appointed lawyer to have legal costs taxed, assessed or audited.
13. You must take every step to recover legal costs that we have to pay and you must pay us any legal costs that are recovered.

If during a journey you lose your passport we will pay you up to £200 for reasonable additional travel and accommodation costs necessarily incurred abroad to obtain a replacement.
Exclusions.
We will not pay for:
- any claim where the loss of the passport is not reported to the Police or a British Consular Representative within 24 hours of discovery .
Excess.
You will be required to pay the first £50 for each and every incident giving rise to a claim under this section. Excesses do not apply to children when travelling with an insured adult.

For each item of your personal possessions that is lost or damaged during your journey, we will, at our option;
a) pay the cost of replacing the item or part of a set as new, or
b) replace the item or part of a set as new, or
c) pay the cost of repairing the item or part of a set, or
d) make a cash payment, but not pay the cost of replacing any companion pieces which form part of a set.
Wear and Tear
A deduction will be made for any wear and tear or betterment in any claim settled for:
a) clothing (including sports clothing);
b) any item or part which is not replaced or repaired
c) winter sports equipment.

The purpose of the Section is to cover your baggage against loss, theft, breakage or damage while you are away from home. It is subject to limits which may be inadequate for expensive items such as jewellery and photographic or video equipment; these items can usually be insured separately under your Household Insurance.
We will pay you up to £1,250 (limited to £625 for children under 18) in respect of your personal possessions if they are partially damaged, lost, stolen or destroyed while on your journey, subject to the following limits:
- Single article for personal possessions - £200 (£100 for children under 18).
- Overall valuables limit - £200 (£100 for children under 18).
Exclusions
We will not pay for loss, theft, breakage or damage to:
- valuables carried in suitcases or other items of luggage unless, at all times, they are attended by you
- valuables, unless at all times they are either attended by you or left in your locked personal accommodation or in a locked safety deposit box where available
- personal possessions left unattended unless in your locked personal accommodation or in a secure area of a motor vehicle, provided also that there is evidence of force and violence having been used to gain entry to the accommodation or vehicle
- films, tape, cassettes, cartridges or discs other than for their value as unused material unless purchased pre-recorded when we will pay up to the maker's latest list price
- perishable goods, bottles or cartons and their contents or any damage caused by such items
- property more specifically insured elsewhere
- contact or corneal lenses, dentures or hearing aids
- personal possessions due to wear and tear, depreciation, deterioration or damage by moth, vermin or by process of cleaning, repairing or restoring
- sports equipment while in use
- household goods and anything shipped as freight winter sports equipment.
We will not pay for cracking, scratching or breakage of glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles .
Conditions
In addition to the General Conditions, the payment of claims under this Section of the Policy is conditional upon you:
1. retaining your tickets and luggage tags and giving notice within 24 hours, to the Police of any loss or theft or to carriers when the loss or damage has occurred in transit. Either a Police report form or a carriers' property irregularity report form must be obtained within 7 days;
2. complying with carriers' conditions of carriage; 3. not abandoning any property to us; Claim Settlement
For each item of your personal possessions that is lost or damaged during your journey, we will, at our option;
a) pay the cost of replacing the item or part of a set as new, or
b) replace the item or part of a set as new, or
c) pay the cost of repairing the item or part of a set, or
d) make a cash payment, but not pay the cost of replacing any companion pieces which form part of a set.
Excess
You will be required to pay the first £50 of each and every incident giving rise to a claim under this Section. (No excess for children under 18).
Wear and Tear
A deduction will be made for any wear and tear or betterment in any claim settled for:
a) clothing (including sports clothing);
b) any item or part which is not replaced or repaired c) winter sports equipment.
Claims Guidance
For all losses, report the matter to the Police as soon as possible, but within 24 hours of discovery, and obtain a written report from them. You should also report it to your courier or hotel/apartment manager as appropriate.
For all damage claims obtain a written estimate for repairs.
In all circumstances, receipts or vouchers for items lost or damaged should be retained as these will help you substantiate your claim.

We will pay you reasonable costs up to £100 for the purchase of essential replacement items if your checked-in personal possessions are temporarily lost by the carrier en-route to your destination and not restored to you within 12 hours.
Conditions
Any amount paid by us will be deducted from the final claim settlement should the items be permanently lost and a claim made under Section 2 of the policy. Receipts for replacement items should be retained and forwarded to us.
Claims Guidance
- For all losses or damage in transit claims, including delayed personal possessions, retain your tickets and luggage tags and report to the airline, railway, coach or shipping company or their handling agent.
- Obtain a written confirmation of the number of hours delay.

Cancellation
Start and end date of cover. Cover commences on the date you purchase the policy and ends on the day that you leave on that journey providing that both the departure date and return date fall within the period of insurance.
We will pay you up to £2,500 in the event of the loss of personal accommodation or transport charges and additional travel expenses paid or contracted to be paid by or for you (including up to £150 per person for the loss of excursion charges pre-paid in the United Kingdom) following necessary cancellation after the date of booking the journey and in the period of insurance as a result of any of the following:
a) your death or serious injury or illness or that of:
- a companion upon whom your travel depends;
- a member of your immediate family;
- a business partner resident in the United Kingdom;
- a person abroad in whose home you are intending to stay;
b) you or a companion upon whom your travel depends being required:
- in the United Kingdom for Jury Service or as a witness in a Court of Law during the journey, or
- to stay home following a serious burglary, fire, storm or flood damage to your home or usual place of business in the United Kingdom occurring within 7 days prior to the commencement of the journey;
c) you being made unemployed;
d) you being required as a member of the armed forces or the police, ambulance, fire or nursing service for unexpected emergency duty or posted overseas during the intended journey period;
e) the Foreign and Commonwealth Office advising against "all travel" to your intended destination during the period of your journey.
We will also pay cancellation costs as above, if, after purchasing this insurance, you discover that you are pregnant and the date of your return home will be within two months prior to your estimated date of delivery.
In the event of your flight being booked with Air Miles we wilt pay the cost of an equivalent flight to be taken within 3 months from the date of the loss.
We will pay only those cancellation charges that would have applied at the time you first became aware of the need to cancel, if a valid claim exists.
Exclusions
We will not pay for any event which is the result of:
1. your failure to obtain the required passport and/or visa.
2. default of any transport or accommodation provider or their agent or any person acting as your agent or your conference organiser;
3. your disinclination to travel or your loss of enjoyment of the journey;
4. unemployment of which you were aware prior to the booking of the journey .
Conditions
In the addition to the General Conditions, the payment of claims under this section of the Policy is conditional upon:
1. anyone upon whom the journey depends not having received a terminal prognosis from a registered medical practitioner prior to the journey being booked;
2. you not awaiting medical treatment as a hospital in-patient prior to any journey being booked unless it has been accepted in writing by us;
3. you at no time booking a journey if you know of any reason why it may be cancelled;
4. if unemployed you being registered for work with the employment service.
5. you providing us with a cancellation invoice or your unused tickets and proof of purchase.
Excess
You will be required to pay the first £50 (reduced to £10 for loss of a holiday deposit only) for each and every incident giving rise to a claim under this section. Excesses do not apply to children when travelling with an Insured adult.
Curtailment of a Journey
The purpose of this Section is to cover any additional expenses that you may incur as a result of you having to curtail your journey because of hospitalisation or for compassionate or other reasons.
If you need to curtail your journey or expect to have to extend your stay because of illness or injury you must inform the Assistance Service immediately and before arrangements are made.
We will pay you up to £2,500 for loss of personal accommodation and transport charges or travel expenses (including up to f150 for the loss of excursion charges, pre-paid in the United Kingdom due to the necessary curtailment (the cutting short) of your journey as a result of:
a. your death, serious injury or illness or that of:
- a companion upon whom your travel depends
- a member of your immediate family
- a business partner resident in the United Kingdom;
- a person resident abroad in whose home you are intending to stay, or
b. you, or a companion upon whom your travel depends being required:
- by the Police following a serious burglary, fire, storm or flood damage to your home or usual place of business in the United Kingdom, or
- to attend a United Kingdom Court of Law as a witness or for Jury Service when postponement of the Jury Service has been denied by a Court Official.
Exclusions
We will not pay for any event that is the result of:
- your disinclination to travel or your loss of enjoyment of the journey
- weather conditions
- any claim arising directly or indirectly from pregnancy within two months prior to the estimated date of delivery or within seven days of delivery
- any additional or unused travel or accommodation costs to your journey destination or home following curtailment
- any travel or accommodation expenses incurred without the consent of the Assistance Service
- any event relating to you which is a result of your failure to obtain a Medical Certificate from the treating Medical Practitioner in the locality where you are staying stating the necessity for your early return to the United Kingdom.
Conditions
In addition to the General Conditions, the payment of claims under this Section of the Policy is conditional upon you:
- not travelling contrary to medical advice or specifically to obtain medical treatment
- or anyone upon whom the journey depends not having received a terminal prognosis from a Registered Medical Practitioner prior to the journey being booked
- at no time booking a journey if you know of any reason why it may be curtailed
- while on a journey, immediately advising Our Assistance Service of any event which might result in the curtailment of your journey, giving full details
- accepting our decision concerning the most suitable, practical and reasonable solution to the problem.
Excess
You will be required to pay the first £50 for each and every incident giving rise to a claim under this section. Excesses do not apply to children when travelling with an Insured adult.

Where agreed in writing we will pay up to £2,000,000 in total under this policy in respect of all sums plus costs that are legally liable to be paid relating to an event caused by you during the period of insurance and which results in:
- bodily injury of any person
- accidental loss or damage to property that does not belong to you nor is in your charge nor under the control of you or any member of your family
- accidental loss or damage to your temporary journey accommodation that does not belong to you or any member of your family.
Exclusions
We will not pay for:
1. Any liability for loss or damage to property, or death or bodily injury arising from:
- your deliberate act or omission
- the employment, business or profession of you or a member of your family
- your ownership, care, custody or control of any animal
- an agreement unless the liability would have existed otherwise
- your family or an employee of you or your family
- your leadership of a group participating in any activity
- the occupation of land or buildings by you other than your temporary journey accommodation
- ownership or use of any aircraft, horse-drawn, waterborne, motorised, mechanically propelled or towed vehicle or of any firearm .
Excess
You will be required to pay the first f100 for each and every incident other than bodily injury giving rise to a claim under this section
Claims Guidance
- Full details of the circumstances giving rise to the claim, plus any supporting evidence will be required
- Never admit liability or take any action without our prior agreement
- Inform us immediately of all developments of the claim and pass all related correspondence to us without delay.

Travel Advice and Assistance
For information call the following numbers:
USA or Canada - call toll free:  1 866 496 5249
South America or Caribbean 905 816 2586
- call collect: (Canada)
Anywhere else in the world: +44 870 024 2796
Legal Advice Line call:  +44 (0)870 240 0287
These help lines are open 24 hours, every day of the year.

Our Emergency Assistance Service is operated by AAI and Intergroup Assistance, both organisations specialise in emergency assistance services. This service is available to all travellers insured under this policy and operates 24 hours a day, every day of the year.
To obtain emergency medical assistance in North or South America and the Caribbean.
This service is provided by AAI:
USA or Canada - call toll free: 1 866 496 5249
South America or Caribbean 905 816 2586
- call collect: (Canada)
Fax (Canada): 905 791 5807
To obtain emergency medical assistance anywhere else in the world.
This service is provided by Intergroup Assistance:
Phone: +44 870 024 2796
Fax: +44 1420 566121
Please quote your Policy reference number which can be found on your Policy pack.

The payment of claims under this Policy is conditional on each insured person not participating in any activity or pursuit that is not specified in the Insured Pursuits Section of the Policy or manual work.
Insured Pursuits
You are automatically covered to try the following non-contact sports arranged by your hotel, holiday organiser or a recognised provider of the service;
Aerobics Parascending (towed by boat)
Archery Swimming (in pool or *)
Badminton Roller Skating
Basketball Ice-skating (rink only)
Beach Games Skateboarding
Bowls Cricket Snooker/Pool/Billiards
Fishing
Rafting/Canoeing/Kayaking (including white water up to grade 3)
Snorkelling Horse Riding (excluding jumping)
Squash Cycling (excluding BMX and Mountain)
Surfing Fell Walking/Rambling/Trekking
Table Tennis Water-skiing
Tennis Windsurfing
Volleyball Yachting/Boating/Sailing/Rowing
*Only on inland or coastal waters within a 12 mile limit.
Conditions
a) The activities must be conducted in a safe and professional manner and where appropriate supervised by a qualified person or arranged through a recognised provider of the service.
b) you must not act in an irresponsible manner or expose yourself to needless danger.
Exclusions
We will not pay for any event that is the result of:
a) your participation in an Insured Pursuit in any professional capacity
b) your participation in any Insured Pursuit against local warning or advice
If you are taking part in any other sport or activity not listed above, or if the main purpose of your holiday is to pursue any particular activity, please contact 0845 300 7700 .

Applicable to all sections
A. We will not pay for any financial loss or deterioration of or loss of or damage to property, or any legal liability, injury, illness, death or expense caused by, contributed to by or arising from:
1) war, invasion, terrorism, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, military or usurped power, or travel to a destination where the Foreign and Commonwealth Office has advised against "all travel".
2) delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or any Government Officials or Authorities of any country;
3) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
4) your suicide or wilfully self-inflicted injury or illness, sexually transmitted diseases, alcohol related incidents or the use of drugs, solvent abuse, the effects of alcohol or self-exposure to needless peril;
5) operational duties of a member of the Armed Forces;
6) your own unlawful action;
7) you travelling in an aircraft (other than as a fare paying passenger in a fully licensed passenger carrying aircraft and for no other purpose);
B. We will not pay for:
1) any consequential loss unless specified in the Policy;
2) any loss due to currency exchanges of any and every description;
3) the expense of supplying all certificates, information and evidence which we may require. However, when a claim for bodily injury or illness occurs, we may request, and will pay for, any insured person to be medically examined on our behalf. We may also request, and will pay for, a post-mortem examination if any insured person dies.

Applicable to all sections
A. The payment of claims under this Policy is conditional on each insured person:
1) being a resident of the United Kingdom;
2) taking ordinary and reasonable care to safeguard against accident, injury, loss or damage as if the Policy was not in force;
3) notifying the police or the carrier, as appropriate, as soon as reasonably possible and within 24 hours for losses under Sections A, C and K giving full details of any incident which may result in a claim under the Policy;
4) notifying us of any claim within 2 months of the event;
5) forwarding to us immediately upon receipt every writ, summons, legal process or other communication in connection with a claim;
6) giving all the necessary information, documentation and assistance that we may require at your expense, including, where necessary, medical certification and details of your Household Insurance and any other insurance which may cover a claim under this Policy;
7) not admitting liability or making an offer or promise of payment without our written consent;
8) travelling only to the Geographical Regions identified on your Policy;
9) not participating in hazardous activities or manual work. 10) being aged 64 or less at the date of issue of the policy.
B. We reserve the right to:
1) decline any claim which is in any way connected with an existing medical condition suffered by you or a travelling companion which was not disclosed to and accepted in writing by us at the date of issue of this Policy;
2) decline any claim which is in any way fraudulent and cancel the Policy;
3) take over and deal with in your name the defence or settlement of any claim made under this Policy;
4) take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under the Policy (in legal terms known as 'subrogation');
5) cancel all benefits provided by the Policy for a journey when a payment is made under Section 5 or Section 6 for that journey;
6) not refund the premium unless you return the Policy to us within 14 days of issue provided no claims have been made and we receive it prior to the departure date of your journey;
7) cancel the cover in the event of the non-payment of the premium;
8) apply an additional premium or special conditions or exclude cover for a medical condition if your health changes significantly during the period of insurance;
9) exclude cover for a medical condition if your health changes significantly during the period of insurance. Please call our helpline on 0845 300 7700 if anyone covered on the policy has a change in health and we'll advise if cover still applies or try to arrange another Tesco Insurance quote;
10) Have the benefit and use of any unused travel tickets in the event of your repatriation.

Excess You
will be required to pay the first £50 of each and every incident giving rise to a claim for out-patient medical treatment under Part One of this section. (No excess for children under 18)