Policy Booklet
Tesco Bank
Backpacker
Travel Insurance
Travel Insurance

• Tesco Bank Backpacker Travel Insurance
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Your Travel Insurance Policy

Emergency Medical Assistance Service
you


Claims notication








Making yourself heard



you

your


Financial Services Compensation Scheme (FSCS)
We
You
weour
you




Cancellation period
Youyou
youyouyour

you
• 

• 

youryouus
us
us

We’ll








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 
 
 
 
 
Contents


Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
About your policy wording
About your policy wording
youyouryou
us

youyouryou
Weyouyour
you
• youryou are
you

• you
youryou
you

We

• Pre-existing medical conditions
Pre-existing medical conditionsyou
uswe
• we
• youyou


• trip
your trip
youUK
• tripyou

• trip
cutting short
a tripInsurance period

your

• your
• 
weyou

Introduction
your

insured person



yourwe
your
your

you
youryouus
We


your
bold type





Accident(s)/Accidental



Baggage
you
youtripvaluables
gadgetssports equipmentski equipmentgolf equipment
personal moneyimportant documents
Catastrophe

• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 

• 

youyour
Close relative
Your



Cut short/Cutting short

 you cutting shorttripyouyour home
your home
 youyouyour
homeyour

medical practitioner

your
trip youyour
you
your

insured person
we
insured person
youwe
insured person

you
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
About your policy wording
Excess
you
trip
you

youryou

Gadget

• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
Geographical Areas
Europe means;




















Worldwide (excluding USA, Canada, Caribbean and Mexico)


Worldwide (including USA, Canada, Caribbean and Mexico)

Home
Your homeyour
Home area
UK
your home areaUK

your home area
you
your home
Important Documents


Insurance Period
trip
trips hometrip
tripyour
you
cutting short a trip
you

tripinsurance period
youryour home area

Insured Person/You/Your/Yourself
trip

Medical condition

Medical practitioner


you
you
Personal Money


Pregnancy Complication
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 


Pre-existing medical conditions

 medical conditionsyou

• 
• 
• 


• 


 medical conditionsyou
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
About your policy wording


medical condition
you

medical conditionyouclose relative
travelling companion
Pre-paid charges
youyou



sports equipment
• 
youryou

Public Transport


Redundant/Redundancy

redundancy
youyour travelling
companionyou
redundant
Sports Equipment



you
Terrorist Action








 


 



 



Travelling Companion
you

your
Trip(s)
your home
trip
triptrip

trips home
insurance periodyour
your home area
Your
tripUK
youyou

your
your
you

your trip


Trip(s) Home
you
your homeyour
your


cutting short a trip
youyouryour
homeyouyour
your

UK

Unattended
you
your

Valuables

• 
• 

• 
• 
• Gadget

We/Us/Our

UK

UK




Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
About your insurance contract
About your insurance contract
Youryouus
UK
your
you
we
The insurer


















Financial Services Compensation
Scheme (FSCS)
You
weour
you




Our part of the insurance contract is as follows
Weyour
Cancellation
We
your

 you
 you

 your

 you
our

Duration
tripyour
your
Non-payment of premiums
we
weyou
wewe
weyouyou
you
we
we
you
Cancellation period
Youyou
youyouyour

you
• 

• 

youryouus
us
us

We’ll

Conditions which apply to your policy
you
your
you
weyour
You must prevent loss, theft or damage
your

your
Youyourself



your
Reciprocal Health Agreements
- European Union (not including
the EEA or Switzerland)
you
you

You
you


we
you

weexcess

Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
About your insurance contract
Australia
youyou

Youyou
you



your

you



New Zealand
UK


medical condition
medical practitioner
your trip

Youyour UK
You


Pre-existing medical conditions
You 
your
Youusyour pre-existing medical conditions.
youpre-existing medical conditions
we

medical condition
you

• cutting short a trip
• 

• 




  medical conditionpregnancy complication
youmedical practitioner
you
you
you
 
youyour home
area 
medical conditions


medical conditionyou

medical practitioner
 you

public transport
youryou

we
you
  medical conditionyouclose
relativetravelling companion

 medical conditionyouclose
relative travelling companion


medical conditionyou
a travelling companion

 pre-existing medical conditionyou
us
we
your pre-existing medical condition(s)
Youus
medical condition
triptrip

Important limitations under
cancellation or curtailment


pre-existing medical conditionsyou
trip
close relative
you

• medical
practitioner
• 


• you
trip


Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Sports and other activities
Sports and other activities
Covered as standard without charge

you are

trip
you


You



SPORTS AND ACTIVITIES COVERED AS STANDARD
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 


• 
• 
• 
you


• 
• 
• 
• 
• 
• 
• 

• 
• trip
• trip
• 
• trip
• 
• 
• 
• 
• 
• 

• 
• 
• trip
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 

• 
• 
• 
• 
• 

• 
• 
• 
• 
• 


• 

• 
• 
• 
• trip
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
(List continues on next page)
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Sports and other activities / Important conditions relating to your policy
SPORTS AND ACTIVITIES COVERED AS STANDARD (continued)
• 

• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 

relating to your policy
• 

• trip
trip

Your
youryour home area

• 

• Youryouyou
UKUK medical
practitioner
• 
insurance period
Policy information
youyou
your


 
 






you


How to make a claim under all benets:

 
youwe
your
 

your

youusyour
you
you

your
you


• Your

• 
you
• you
• 

Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Important conditions relating to your policy
Section 1 - Cancelling or cutting short a trip
your
youus
• 
your trip
• 
your

• 

• 


• medical practitioneryou
your travelling companion
• 
you

• youryour travelling
companionredundancy

• your

• public transport

• 


• you
home
• 
Section 2 - Medical emergency and repatriation
expenses
your
youus
• 
your trip
• 

• 


• 

your

• 



• 


• your
you
your
• 
you
• 


Section 3 - Disruption or delay to travel plans
your
youus
• 
your trip
• 

• 
your
• 

• 
your
• public transport

• 

• 


• 

Section 4 – Personal belongings and money
your
youus
• 

you
• 



• 


• 


• 
• 
• 
yourbaggage
• youyour


Section 5a - Legal expenses and assistance
your
youus
• 
your trip
• your

• 
you
Section 5b - Personal liability
your
youus
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Important conditions relating to your policy
• 
your trip
• 
you
• we
your
Section 6 – Personal accident
your
youus
• 
your trip
• your
• 

• 


• 
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Table of benets

Section
Tesco Bank
Backpacker
Tesco Bank
Backpacker Gold
Excess
excesses
£125 per person £50 per person

cutting short your trip  
  

  
  
  
  

  
  
  
  
  

Baggage  

 
Valuables  
baggageyou
your baggage




Personal money  
  
Important documents  

  
  

  
  
excess
youyour
your tripyour
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Exclusions and conditions

yourYou
your

youwe

• your
• youryour

• your
• 

 Providing accurate and complete information
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 Youwe

Youus

We
us
• 

• 


Weyouryou
your

applying to your policy
Youryou

 

 Pre-existing medical conditionsPre-
existing medical conditionswe
you
 youyour
tripyour tripyour

 Your
your trip
 Youryour

trip
 youyou
yourtrip


 

tripyour
your trip
• 
• 
• 
• 

• 
• terrorist action
• 
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Exclusions and conditions
• 
• 


• 
 Your


you


you
cutting shorttrip
cutting
short a tripyoutrip

youyou
you
your


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your
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
• Your
your
• You
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Youyourself
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• 

• 
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
• Your
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

youryou are

you

you







you
you

you

you



Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 1 - Cancelling or cutting short a trip

cutting short a trip
Introduction
youyou
cut short your trip

your

youryou
your
we
You
youryou


your
youryour

European Union (EU) Regulation


youyour

 you


 your
 your

 Baggageyourbaggage

 Accidentyou
your
 youyou
 your

What is covered
Weyou
youryour
pre-
paid chargesyoucut short your trip


Cover to cancel or cut short
your trip for the following
events:





accident
pregnancy complicationyou
your travel companion your close relative.
b
b
you
your homeyour
your
b b
Youyour travel companion(s)



b b
Youyour travel companion
redundant
b b
Youyour travel companion





b b



you

you
your trip

you
trip
your
b b
Catastrophe
b b


c b
your
your
youyour
home areayour tripyou
your trip
b b
Cover to cancel your trip if
it is abandoned as a result of
one of the following events:





public transport


your public transportyou



b b
Special conditions relating to claims

you
your
 You

homecut short your trip

 you

youtrip
we

 You
your

What is not covered
 excess
 

 you
your
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 1 - Cancelling or cutting short a trip
 youyouyour
trip

cutting shorttrip
 youryou
weyouhomecutting
short your tripyou
we
youhome
weyou
your home
 

 Pre-existing medical conditions
Pre-existing medical conditions
 redundancy
We

 
weyour




youyour

your
unattended
your homeyour trip you
cut short your trip
your

your
your
important documents
public transport

pregnancy
complication pregnancy complication
youyour
your trip


accident


you



your trip


public
transport
 


Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 2 - Medical emergency and repatriation expenses


Introduction
youyou
trip
you
you

What is covered
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home area
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medical practitioneryou are
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 
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travelling companion
close relativeyouyou
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insured person
Special conditions relating to claims
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you
your
 You

accidentyour

your
 youaccident
weyou
your
UKtripWe

usmedical
practitioneryou
your home area

 


your
your home areaOur
we
your home area
youour
we

• cutting short a trip
• 

• accident
Weyou
youryour home area

your trip
What is not covered
 excess
 you
your
 Your
your trip
 

you
 Pre-existing medical conditions
pre-existing medical conditionswe
you
 pregnancy
complication


accidents

 youryou
weyouhomecutting
short your tripyour trip
youwe

youhomewe
youyour home
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 2 - Medical emergency and repatriation expenses
 
 

accident
your
 
youraccident

 

us
medical practitioner
youryour home area
 
youyou

your trip
your medical practitioner
you

 

 

home

 you
you

 you
your home area
 UK
 
 
your

 


 
you


 we
you
youryou

 


YouPre-existing medical
conditions
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 3 - Disruption or delay to travel plans

delay to travel plans
Introduction
youyou
youryou

your

you
yourwe
You
your
you

your


European Union (EU) Regulation


youyour

 you


 your
 your

 Baggageyourbaggage

 Accidentyou
your
 youyou
your

What is covered
Missed Departure
you
public transportyou

• public transport
• 
you
• 


• 
weyou

public transport
youyour trip


Delayed Arrival
youyour
public transport weyou
you


Travel Disruption
Weyou
your
public transport
youryouyour
tripyour trip
• a catastrophe
• public transportyou


• you

Special conditions relating to claims

you
your
 You
youryour
your


 You
your
What is not covered
 excess

 you
your
 

 
youyour
trip




 
public transport


 public
transport
 
• you



• you
youryou
your

• 
youyour

 your
public transport
Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 3 - Disruption or delay to travel plans / Section 4 - Personal belongings and money
your

 Your

public transport
youyour public
transport





Introduction
you
your
sports equipmentyour
personal moneywe
your
What is covered
 Weyou

your trip
 Baggage
 Valuables
 Sports equipment.
 


 Personal money
 
 important documents
weyou


youweyou

we
baggagevaluables
youyour

your tripyour
 Weyou
your important
documents
your home areayou
homeyour trip


You
you
yourtrip
Special conditions relating to claims

you
your
 You


 You



 
you


Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 4 - Personal belongings and money / Section 5 - Legal and liability
What is not covered
 excess

 gadgets
 you
your
 sports equipment
you

 valuablesimportant
documentspersonal moneyunattended


 baggagesports
equipmentunattended
baggage




 
 

 
you
 

 
 
 

 



Introduction


youyou
you
you
you


Section 5a - Legal expenses and assistance
Introduction
you
you



Lawyer

youYou
you

 
your
 

What is covered
We

you
accident
insured persons
we


Prospects of success
Weyour
you
you


weyour
weyou
you


your
you

Special conditions relating to claims
 We
we
ouryour
your
 Youour


Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 5 - Legal and liability
 Youus
you
our
 Weour

 Weouryour

You
usweyou
us
What is not covered
 excess
 
usour
youyou
insured person
 our

 


 

 

 

 
 youyour

your
Section 5b - Personal liability
What is covered
Weyou

you

accidental
 
yourclose relative
you
 

youclose relative
your
you
Special conditions relating to claims
 Youus

 Youus
you

 You
our

 Weyour

We

you
us
we
 youyour


What is not covered
 excess

 you
your
 

 you


 

 



 

 Your

 
UK
 


Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Section 6 - Personal accident

Introduction
you
you

accidentyour trip
you



Loss of limb



Permanent Total Disablement


your
medical practitioner
our
you

Loss of sight


 your


 

you

What is covered
We
youaccident


 your
 
 
Special conditions relating to claims
 Our medical practitioneryou
you

What is not covered
 you
your
 you
 

 


 you
accident
 insured person

 
 
 
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Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Data protection notice and fraud

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youUK
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ouryour

us







Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Complaints procedure

You
we
youyou
we

If your complaint is about the sale of your policy;
 






 
 
If your complaint is about a claim on your policy
 





 
youus

• Your
• Your
• Your
you
• your


If you are still not happy
your
youyour
You
youryou

you

youyour

ouryour



You







Travel Insurance Policy: Tesco Bank MSM PW20118-v20 
Covid-19 enhanced cover

Weyou


youweincluded cover
• you
• 


your tripour policies include
• 
you

• you
close relative

you

We have created several scenarios to try and make
it clear what we do and do not cover:
Cancellation due to COVID-19
Your policy will cover you, 
your trip
 Youclose relativeyou

 UK
you are
UK


 you

Your policy does not cover:
 you

 you
your

Trip curtailment due to COVID-19
Your policy will cover you, 
your trip
 
your trip
you

 Youyour UK


 close relative
you
Your policy does not cover:
 you
your

Emergency Medical cover due to COVID-19
Your policy will cover you, 

 
youyou
 you
you
Your policy does not cover:
 you

Travel Insurance Policy: Tesco Bank MSM PW20118-v20 








About Tesco Bank Travel Insurance








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Trip Cover Optional Sections




Specic requirements when buying a Tesco Bank
Travel Insurance policy




Making changes to your Tesco Bank Travel
Insurance policy




How your money will be held prior to transmission
to the Underwriter








Terms of Business Agreement
Important telephone numbers*



From anywhere in the world

From the United Kingdom
If you have diculties with your hearing or
speech, contact us by Typetalk by adding 18001
to the start of any of the numbers above.
For your protection, telephone calls will be recorded and monitored to help detect and prevent crime, including fraud. Calls may also be monitored for training and
quality purposes.
*Telephone numbers may be included as part of any inclusive call minutes provided by your phone operator.
This policy is underwritten by Inter Partner Assistance UK Branch, with a registered office at 106-118 Station Road, Redhill, RH1 1PR which is a branch of Inter Partner
Assistance Societe Anonyme (`Inter Partner Assistance S.A.’). Inter Partner Assistance S.A. is a Belgian firm authorised by the National Bank of Belgium under number
0487, with a registered head office at Louizalaan 166, 1050 Brussels, Company number 0415.591.055. Deemed authorised by the Prudential Regulation Authority.
Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime,
which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Inter
Partner Assistance S.A. is part of the AXA Group. Inter Partner Assistance S.A. has a share capital of EUR 130,702,613.
TBPB-D-BP-MSM-1-1220
For further information: 