Tesco top travel tips

With the summer holiday season upon us, many holidaymakers are already counting the days until they pack their bags and head for the sun.

Unfortunately holidays do not always go according to plan; in 2007 the top three claims received by Tesco Travel Insurance were for baggage loss (40%); medical treatment (30%) and cancellations (20%).

One way to ensure you can relax on your break is being prepared for any unexpected mishaps. Here are the most common questions our travel insurance customers have asked us:

If my flight, ferry or train is delayed, what should I do?

At the time the delay occurs, make sure you obtain written confirmation from the airline, train or ferry company, giving exact details of the reason for and length of the delay, and pass on these details to your insurer. Check with the carrier as sometimes travellers are given vouchers entitling them to free refreshments.

While I'm away from home, what should I do in the event of loss or theft of my possessions?

Most importantly you should report any loss or theft to the police within 24 hours. If you are unable to contact the police, you should call either your tour representative or accommodation provider or carrier - for example, the airline or ferry company you travelled with.

What if I need medical attention while abroad?

If the medical condition appears to be serious, you should call our Emergency Helpline 0044 870 024 2796 (001 866 496 5249 for USA) as soon as you can for advice and assistance. Tesco Travel Insurance has treated customers for blood poisoning in Turkey, heart attacks in Mexico and road traffic accidents in the USA. For minor medical treatment, you should pay any bills yourself and keep the receipts as this will help us to deal with your claim.

Does Tesco Travel Insurance cover existing medical conditions?

Tesco Travel Insurance does not cover claims relating to existing medical conditions. This includes common conditions such as asthma and diabetes. If any of the following apply to you don't worry, you can still call us for a great value tailored quote on 0845 300 8800.

Here is a list of the medical conditions we do not cover:

- You are awaiting surgery or any form of medical investigation/treatment, either as a hospital inpatient or outpatient.

- You have received medical treatment in the last 3 months for an illness or injury or have received medical treatment in the past month as a hospital in-patient.

-You are taking medication or have had medication prescribed for an existing condition.

- You are suffering from or have suffered from cancer or a heart-related condition.

What is a travel insurance policy excess?

This is the part of the claim that you agree to pay - we cover you for the remaining amount up to the limit of your cover. Our claims consultants will tell you the amount of the excess and details can also be found in your policy schedule. We will deduct the amount of the policy excess from the settlement of your claim, or alternatively our appointed specialist or supplier will collect this amount from you on our behalf.

"At this time of year, when people are looking forward to their hard earned break, it's more important than ever to reduce the chances of an unforeseen event spoiling your holiday. Ensuring you have adequate travel insurance is the first step, and knowing what to do in the event of a mishap is essential too. We hope that, armed with the answers to these frequently asked questions, travellers will be able to relax and enjoy their holidays," says Jim Bruce, head of Tesco Travel Insurance.

Customers buying Tesco Travel Insurance online will receive 10% discount until 25th June.

For more information go to tescofinance.com.