Cedar Tree Travel Insurance Review

Ronny Lavie By

  • Three levels of cover to choose from

  • Up to £15m medical expenses cover

  • 100 sports and activities covered as standard

  • Specialist cover available

Find out if Cedar Tree Insurance made it into our list of the 10 best travel insurance companies.

Or, read on to learn more about:

What types of Travel Insurance does Cedar Tree offer?

Cedar Tree offers three levels of travel insurance to choose from. All policies can be purchased for a single trip or annual multi trip cover.

Platinum £15m cover for medical expenses, £7,500 for cancellation or curtailment, £3,000 for baggage (£500 single item limit), £750 gadget cover, £2m for personal liability, £30,000 for legal expenses, £10,000 for personal accident, £400 personal money cover, £1,000 for missed departure and £500 for passport and documents.

Gold £15m cover for medical expenses, £5,000 for cancellation or curtailment, £2,000 for baggage (£300 single item limit), £500 gadget cover, £2m for personal liability, £20,000 for legal expenses, £10,000 for personal accident, £300 personal money cover, £500 for missed departure and £300 for passport and documents.

Silver £15m cover for medical expenses, £3,000 for cancellation or curtailment, £2,000 for baggage (£150 single item limit), £200 gadget cover, £2m for personal liability, £5,000 for legal expenses, £1,000 for personal accident, £300 personal money cover, £150 for delayed departure, £250 for missed departure and £100 for passport and documents.

All policies are underwritten by Axa.

An excess of £50 applies to the Silver and Gold policies, customers have the option to remove that for an extra premium. The platinum policy carries no excess fees.

Many travel insurance companies exclude gadgets so Cedar Tree's gadget limits set it apart from rivals. It also has a gadget extension policy that can be bought as an add-on, the most expensive option gives up to £3,000 of cover with a £1,000 single item limit.

Cedar Tree describes itself as a premium insurer and its cover appears to back that up. It may mean that prices are higher than other insurers with lower cover limits.

Cover for travel disruption, winter sports, natural catastrophe, golf, wedding, cruise and business is available for an extra premium.

See how Cedar Tree compares to other providers in our list of the Best Travel Insurance Providers.

Are there restrictions with Cedar Tree travel insurance?

Yes. Customers must be UK residents aged between 18 and 75.

Cover cannot be provided for a trip that has already started or a trip that goes through one of the countries the Foreign and Commonwealth Office has advised against all but essential travel to.

How much does Cedar Tree Travel Insurance cost?

The cost of travel insurance varies widely depending on the age and medical conditions of the person travelling, the duration of the trip and the destination. However, to give you an indication of costs, we’ve obtained the following example quotes from Cedar Tree’s website in July 2017:

  • A woman in her 30s, travelling to Europe for a week: Platinum - £29.25 single trip / £65 annual cover; Gold - £19 single trip / £45 annual cover; Silver - £14.25 single trip / £35 annual cover

  • A couple in their 50s on a worldwide annual policy (including the US, Canada and the Caribbean): Platinum - £178.75 / Gold - £116.75 / Silver - £90.75

Does Cedar Tree cover medical conditions?

Yes, Cedar Tree has dedicated Medical Travel Insurance and covers most medical conditions. All travellers who get a quote from Cedar Tree must go through a medical screening during the quote process (available online and over the phone).

Those with pre-existing conditions receive a quote based on their medical needs.

Does Cedar Tree travel insurance cover over 65s, 70s and 80s?

Insurance is offered with no age-related limitations to eligible travellers up until the age of 75. There are no policies currently available from Cedar Tree to people older than that age limit.

Are discounts available for Cedar Tree travel insurance?

At the time of writing this article, we were not able to find any discounts for Cedar Tree Travel Insurance.

Cedar Tree Travel Insurance customer reviews

On Feefo, Cedar Tree had received 4.6 out of 5 stars as of July 2017, with 611 out of the 901 customers who left reviews in the past year awarding the service 5 stars.

Expert reviews of Cedar Tree Travel Insurance

Independent financial researcher Defaqto rated Cedar Tree’s Platinum policy as 5 Star and the company’s Gold and Silver policies as 4 star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features and a 4 Star rated policy “has a good level of features and benefits”.

How to make a claim

Airline/End Supplier Failure (IPP):

+44 20 8776 3752 (Mon-Fri 9am-5pm)

info@ipplondon.co.uk

Gadget Claims (Taurus):

+44 330 880 1756 (Mon-Fri 9am-5pm)

cedartree@taurus.gi

Medical Emergency or Repatriation:

+44 2920 474 139

Global Assistance - 24 hours, 365 days a year

(This number is for use only in the case of medical emergency and in all cases involving repatriation while travelling)

All other claims:

+44 20 8667 2465

Scheme Code: A00806

Rightpath Claims (Mon-Fri 9am-5pm)

www.rpclaims.com

If you need any assistance, you can call Cedar Tree’s customer helpline on 0203 137 7922 (open Mon-Fri 9am-5pm)

Other services available from Cedar Tree

Cedar Tree only offers travel insurance. However, as well as their standard policies, specialist cover for winter sports, natural catastrophe, golf, wedding, cruise, gadget and business is available for an extra premium.
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