Cedar Tree Travel Insurance Review: The Cover You Need?

Cedar Tree Travel Insurance Review: The Cover You Need?

Good prices and optional Gadget cover to protect devices like your mobile phone and tablet.

Good for

  • Attractive prices
  • Can buy Direct or from Comparison Site
  • Emergency Medical, Cancellation, Baggage, Personal Liability on all plans
  • Optional £1,000, £2,000 or £3,000 Gadget Extension

Bad for

  • No catastrophe cover when buying from comparison site

Editor's Rating

4.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Coronavirus update (February 2021): Subject to the terms, all Cedar Tree policies cover medical claim due to Coronavirus, as well as cancellation if you fall ill with Coronavirus or need to self isolate and provide medical certification/positive test results. Read their Coronavirus FAQs here.

Compare Cheap Travel Insurance for Your Travels

Quick quotes from up to 100 insurers including Cedar Tree.

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Cedar Tree offers competitive pricing on travel insurance plans underwritten by market giant AXA. You can buy their three cheaper plans via a comparison site like Compare Cover or their three higher-coverage plans direct from their website. All plans include medical, cancellation & curtailment, baggage and personal accident & liability. Depending on which plan and options you choose, Cedar Tree can also cover gadgets and financial failure.

In This Review

Read our review to learn about features and prices of Cedar Tree travel insurance—plus we'll explain the main differences between buying direct direct from the Cedar Tree website versus buying through a comparison site like Compare Cover, to help you decide where to buy. Choosing the best travel insurance for you will depend on factors like price points and features that you desire. Please use the information in this review to decide if Cedar Tree is right for you.

Cedar Tree Travel Insurance Review: What You Need to Know

Cedar Tree offers travel insurance from a reliable underwriter (AXA) at a good price. Those seeking a cheap travel insurance plan for trips costing less than £5,000 should be able to find good deals for Cedar Tree's Lite, Classic or Premium plans at Compare Cover. Those with more valuable trips, or who want higher cover levels for other features like Baggage, may find a more suitable plan direct from their website—but expect to pay more for the direct plans (Silver, Gold and Platinum).

All policies include some level of cover for Trip Cancellation, Emergency Medical, Legal Assistance, Personal Accident and Baggage. Those seeking catastrophe cover to protect against natural disasters like hurricanes and earthquakes will need to buy direct and pay a bit extra for Travel Disruption cover, as shown in the table below. Travel Disruption is not available on the discounted comparison site plans.

Cost of Cedar Tree Travel Disruption

Additional PremiumSilverGoldPlatinum
Single Trip Plans£2.25£2.50£3.00
Annual, Multi-trip Plans£3.75£4.50£6.00

Are Gadgets (e.g., Mobile Phones) Covered? Gadgets including mobile phones are covered up to £250 on direct plans. Anyone wanting more cover can pay extra for the Gadget Extension, which is an option on all plans. If you travel with multiple gadgets or more expensive gadgets, you might want to consider adding this optional gadget cover to your Cedar Tree policy. You have your choice of coverage levels—£1,000, £2,000 or £3,000—and you can add the Gadget Extension to your policy when you buy direct and when you buy from a comparison site.

Optional Extended Gadget CoverExtended Cover 1Extended Cover 2Extended Cover 3
Accidental Damage£1,000 £2,000 £3,000
Malicious Damage£1,000 £2,000 £3,000
Theft£1,000 £2,000 £3,000
Loss£1,000 £2,000 £3,000
Unauthorised Calls/Data£1,000 £1,000 £1,000
Single article limit£500£750£1,000
Approximate Cost of Optional Gadget Cover:
Single Trip Plans£8.25 - £10.50£11 - £13.75£13.25 - £16.75
Annual, Multi-trip Plans£14.75 - £34.25£22.25 - £51.75£29.75 - £65

To see a list of other companies that offer a gadget travel insurance add on please see our article, Travel Insurance Companies with Optional Gadget Cover.

Cedar Tree Discounts: As part of the buying process, you'll be asked if you'd like to auto renew your policy. By doing so, you can secure a discount between 10% and 20% on your renewal. Cedar Tree will contact you with details of your renewal 21 days in advance of the renewal.

Coronavirus Cover

Policies sold via the Cedar Tree website come with a decent amount of coronavirus protection. All Cedar Tree policies provide their basic COVID cover subject to the terms and conditions. Provided you do not travel against medical/regulatory authority advice, they will essentially cover:

  • Any medical claim due to Coronavirus^ while travelling so long as you are travelling to an area where no FCDO or other regulatory authority advice against travel exists.
  • Cancellation due to you falling ill with Coronavirus^ and being unable to travel or being required to self isolate, subject to medical certification or an official test result.
  • Curtailment due to the death of a close relative due to Coronavirus^.

However, any new policy will not cover any cancellation due to government or other regulatory authority restriction on travel due to Coronavirus^ or any future pandemic.

^Where "coronavirus" means Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.

Cedar Tree Customer Reviews

Cedar Tree Ratings & Customer Reviews
Trustpilot customer service rating4.7 out of 5
DefaqtoGold5 stars
Platinum
Premium (comparison site)
Silver4 stars
Classic (comparison site)
Lite (comparison site)3 stars

Is Cedar Tree Insurance any good? Cedar Tree travel insurance gets 5 out of 5 stars from Defaqto for many of their products. However their lowest tier from comparison sites ("Lite") achieves only 3 stars. The products available direct from their website are all rated either 4 stars ("Silver") or 5 stars ("Platinum" and "Gold"). While we agree that Cedar Tree travel insurance rates well for features, how do their customer reviews compare? We've read through hundreds of reviews to see what real customers have to say about prices and the claims experience. Here's what we found:

Cedar Tree Insurance Trustpilot

Tesco Bank has only earned 4.7 stars out of 5 at Trustpilot, with 3 out of 4 customers giving Cedar Tree a 5-star rating indicating an "Excellent" experience. Here is a sample of the more common complaints and comments:

"I have used Cedar Tree many times before and needed to make a claim once, which was a smooth process. I feel confident using them for travel during Covid times and the latest policy I have taken out has met all my requirements."

"Had to claim for cancelled trip due to Covid19. I recieved excellent advice from Cedar tree customer service to enable my claim to be processed without any delay."

"I previously gave this company a very good review as they processed my claim quickly and efficiently however, my renewal this year has increased by 96% and they are simply offering no valid explanation as to why. I made an extremely minor change to one of my medical answers..."

"I have been with Cedar Tree for around 3 years now, not having to claim until half a year ago when my trip to Mexico was cancelled because of COVID by the airline. The airline only gave an option of a voucher which wasn’t a choice for me as wouldn’t know if I can travel soon... Cedar Tree made a point there that I should take the voucher... Before Cedar Tree even starts considering your claim, you need to seek refunds yourself with other sources like your credit card, Pay Pal or directly with the company."

Regarding the last complaint, we'd like to point out that this it is quite common for policyholders to be asked to accept an airline voucher as the first recourse in event of cancellation like this, with a travel insurance claim kicking in if you aren't offered anything by the airline.

Cedar Tree Price Comparison

According to our pricing research, Cedar Tree travel insurance prices were especially competitive for Annual, Multi-trip plans and when buying Lite, Classic and Premium plans, which are available through a comparison site and sported prices lower than the average cost of travel insurance.

Cedar Tree Annual, Multi-trip Prices

PlanEuropeWorldwide, ex USA/Can/Mex/CaribWorldwide
Comparison SiteLite£16£21£30
Classic£23£35£43
Premium£32£42£65
DirectSilver£35£45£65
Gold£55£65£78
Platinum£60£80£92
Market Average£42£61£67
chart showing Admiral multi-trip travel insurance prices compared to market averages

As for single trip travel insurance plans, all but Cedar Tree's top-tier Gold and Platinum plans cost less than average, offering solid value for holidaymakers across a range of destinations.

Cedar Tree Single Trip Prices

PlanEuropeWorldwide, ex USA/Can/Mex/CaribWorldwide
Comparison SiteLite£5£7£10
Classic£10£14£20
Premium£14£20£32
DirectSilver£12£15£26
Gold£24£29£38
Platinum£32£44£55
Market Average£17£32£38
chart showing Admiral single-trip travel insurance prices compared to market averages

Buying Direct vs Using a Comparison Site

There are a number of notable differences between obtaining a Cedar Tree policy from a comparison site and buying directly from their website. The most obvious difference is price. As you can see in the price comparison charts above, the comparison site plans (Lite, Classic and Premium) typically cost less than the direct plans (Silver, Gold and Platinum).

Cedar Tree is able to offer discounted prices on comparison sites by structuring policies with lower limits and/or less coverage. Take a look at the coverage and limits in the next section to see which plan is most suitable for your travel needs.

Another way in which comparison site plans differ is a higher excess. Should you ever need to claim on your policy, you'll typically pay a higher excess when you buy through a comparison site—this enables them to offer better pricing deals.

Cedar Tree PlanExcess
Comparison SiteLite£150
Classic£95
Premium£50
Direct from Cedar TreeSilver£50
Gold£50
Platinum£0

Cedar Tree Travel Insurance Features and Limits

With Cedar Tree, you get the same level of Emergency Medical cover on all plans—£15 million. Other than that, plans vary in the amount of cover you get for features like Cancellation (ranging from £1,000 to £7,500) and Baggage (ranging from £1,000 to £3,000). Generally speaking, you get a bit less coverage/lower limits on plans bought from a comparison site—which explains why prices are typically cheaper on the comparison site offerings (Lite, Classic and Premium) than on plans bought direct from Cedar Tree (Silver, Gold and Platinum).

Comparison SiteDirect
Plan NameLiteClassicPremiumSilverGoldPlatinum
Annual, Multi-Trip Max Trip Duration18 Days32 Days32 Days32 Days45 Days92 Days
Medical Expenses£15,000,000£15,000,000£15,000,000£15,000,000£15,000,000£15,000,000
Cancellation & Curtailment£1,000£2,000£5,000£3,000£5,000£7,500
Baggage£1,000£1,500£2,500£1,500£2,000£3,000
Scheduled Airline Failuren/a£2,500£2,500£2,500£2,500£2,500
End Supplier Failuren/an/an/an/a£2,500£2,500
Gadget Coveroptionaloptionaloptional£250£500£500
Personal Liability£1,000,000£1,000,000£1,000,000£2,000,000£2,000,000£2,000,000
Legal Expenses£5,000£5,000£20,000£5,000£20,000£30,000
Personal Accident£1,000£1,000£10,000£1,000£10,000£10,000
Hijackingn/an/a£25 for each 24 hour period up to £250n/a£250£350

How does Cedar Tree Travel Insurance Compare to Competitors?

To better understand the value of Cedar Tree travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Cedar Tree Travel Insurance vs Coverwise Travel Insurance

Coverwise travel insurance is another reputable specialist travel insurance provider known for offering good value. Cancellation cover ranges from £1,000 to £10,000 and Baggage from £750 up to £3,000, with prices starting from around £5 for a single trip to Europe. Emergency Medical starts at £5 million and goes up to unlimited cover on top tier plans. The Valuables extension upgrade may be useful if you want more cover for gadgets like mobile phones, laptops, etc. to provide £1k or £2k of valuables cover, starting at a cost of £5.90.

Bottom Line: Coverwise is another reliable option for travel insurance with the added benefit of optional gadget cover to protect mobile phones, tablets, etc., but this only goes up to £2,000 of cover.

Cedar Tree Travel Insurance vs AXA Travel Insurance

AXA travel insurance offers good value for money, with all plans including Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe.

Bottom Line: If you really want cover for End Supplier Failure and Catastrophes included as standard, then AXA might be a more comprehensive travel insurance option for you.

Cedar Tree Travel Insurance vs Sainsbury's Travel Insurance

Sainsbury's travel insurance offers solid travel cover at decent prices, especially when purchased through a comparison site. All plans include Baggage, Cancellation and Emergency Medical, but you also get Scheduled Airline Failure, Delayed Departure and Trip Abandonment. Extended Gadget cover can be added to all plans, to cover mobile phones, iPads, etc. Trip lengths are longer than average (notably up to 92 days on top-tier plans bought direct).

Bottom Line: Those needing cover for longer trips might find more suitable travel insurance from Sainsbury's Bank.

Other Useful Information: Policy Wording and Claims

Cedar Tree's 24-hour Medical Emergency or Repatriation Assistance Helpline can be reached on +44 1473 351 754. Use this number if you have a medical emergency while you're abroad or you're injured or become ill. If you need medical treatment, call this number first. Below are other important numbers for Cedar Tree policyholders, should you run into travel trouble.

Type of ClaimEmailNumberHours
Emergency Medicaln/a+44 1473 351 75424 hours, 365 days a year
Airline/End Supplier Failure claims[email protected]+44 20 8776 37529am - 5pm Monday to Friday
Gadget claims[email protected]+44 330 880 17569am - 5pm Monday to Friday
Other general, non-emergency claims+44 20 8667 2465 (Scheme Code: A00806)9am - 5pm Monday to Friday

Policy Wordings

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

Comments

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.