Looking For A Best Travel Insurance Company? Here Are The Top Reviews Of Cedar Tree Travel Insurance In UK

Cedar Tree Travel Insurance: What You Need to Know

Review of Cedar Tree Travel Insurance: The Protection You Need?

Cedar Tree offers competitive pricing on travel insurance policies underwritten by industry leader AXA. You can buy their three less expensive policies straight from their website or use a travel insurance comparison to purchase their three higher-coverage alternatives. Medical, cancellation and curtailment, baggage, and personal injury and liability are all covered under all plans. Excellent rates and an optional gadget cover to shield your iPad and phone.

Good for:

  • Affordable pricing
  • Direct or comparison site purchases are also available
  • All policies include emergency medical, baggage, cancellation, and personal liability
  • Optional 1,000, £2,000, or £3,000 Gadget Extension

Bad for:

  • No disaster insurance when purchasing from a comparison website

Review of Cedar Tree Travel Insurance: What You Should Know

Cedar Tree provides travel insurance from a recognized underwriter at competitive pricing. Travelers looking for low-cost travel insurance for trips under £5,000 should be able to find competitive offers for Cedar Tree’s Lite, Classic, or Premium plans on a comparison website. A more suitable plan might be available directly from their website for those with more expensive travels or who desire better coverage for other things like baggage. However, be prepared to pay extra for these direct plans (Silver, Gold, and Platinum). These distinctions are covered later in the review, so we won’t explore them now.

Traffic Cameras like that all policies cover Trip Cancellation, Emergency Medical, Legal Help, Personal Accidents, and Luggage. Individuals looking for catastrophe insurance to safeguard against calamities like hurricanes and earthquakes must purchase directly from an insurer and pay an additional premium for travel disruption coverage, as shown in the chart below. The cheaper comparison site plans do not include Travel Disruption.

Cost of Cedar Tree Travel Disruption:

Additional Premium Silver Gold Platinum
Single Trip Plans £2.25 £2.50 £3.00
Annual, Multi-trip Plans £3.75 £4.50 £6.00


Are Devices (like Phones) Covered?

On direct plans, gadgets, including mobile phones, are covered up to £750 (they recently increased this from £250, which is fantastic). The Gadget Extension, a paid extra option available on all plans, can provide additional coverage for those who desire it. Suppose you travel with many electronics or more expensive gadgets. In that case, you might consider adding this gadget cover to your Cedar Tree coverage. When you purchase directly from the insurer or through a comparison website, you can add the Gadget Extension to your insurance and select from three coverage levels: £1000, £2,000, or £3,000.

Optional Extended Gadget Cover Extended Cover 1 Extended Cover 2 Extended 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
Unauthorized 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


Cedar Tree Discounts:

As part of the buying process, you’ll be asked if you’d like to auto-renew your policy. You can get a 10%–20% discount on your renewal by doing this. Cedar Tree will contact you with renewal details 21 days before the renewal. Also check A64 Traffic News, Cameras Updates,

Comparison of Cedar Tree Prices:

Our pricing analysis revealed that Cedar Tree travel insurance rates were exceptionally affordable for annual, multi-trip, and when purchasing Lite, Classic, and Premium plans.

Cedar Tree Annual, Multi-trip Prices:

Plan Europe Worldwide, ex USA/Can/Mex/Carib Worldwide
Comparison Site Lite £16 £21 £30
Classic £23 £35 £43
Premium £32 £42 £65
Direct Silver £35 £45 £65
Gold £55 £65 £78
Platinum £60 £80 £92
Market Average £42 £61 £67

All but Cedar Tree’s top-tier Gold and Platinum single-trip travel insurance plans are less expensive than average.

Cedar Tree Single Trip Prices:

Plan Europe Worldwide, ex USA/Can/Mex/Carib Worldwide
Comparison Site Lite £5 £7 £10
Classic £10 £14 £20
Premium £14 £20 £32
Direct Silver £12 £15 £26
Gold £24 £29 £38
Platinum £32 £44 £55
Market Average £17 £32 £38


Direct Purchase vs. Using a Comparison Website:

A few significant distinctions exist between purchasing a Cedar Tree policy via their website and a comparison site. The price distinction is the most glaring one. The comparison site plans (Lite, Classic, and Premium) often cost less than the direct plans, as shown in the price comparison charts above (Silver, Gold, and Platinum).

Cedar Tree can provide discounted prices on comparison websites by constructing policies with lower limits or less coverage. Check out the range and restrictions in the following area to choose which plan suits your travel requirements.

A higher excess is another way that comparison site layouts vary. When you purchase through a comparison website, you often pay a considerable amount if you ever need to claim on your policy. It enables them to provide better price solutions.

Cedar Tree Plan Excess
Comparison Site Lite £150
Classic £95
Premium £50
Direct from Cedar Tree Silver £75
Gold £50
Platinum £0


Benefits and Exclusions of Cedar Tree Travel Insurance:

With Cedar Tree, all plans have the same amount of emergency medical coverage ($15 million). In general, plans purchased from comparison websites offer slightly less range and lower limits than those purchased directly from Cedar Tree (Silver, Gold, and Platinum).

Comparison Site Direct
Plan Name Lite Classic Premium Silver Gold Platinum
Annual, Multi-Trip Max Trip Duration 18 Days 32 Days 32 Days 32 Days 45 Days 92 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 Failure n/a £2,500 £2,500 £2,500 £2,500 £2,500
End Supplier Failure n/a n/a n/a n/a £2,500 £2,500
Gadget Cover optional optional optional £750 £750 £750
Personal Liability £1,000,000 £2,000,000 £2,000,000 £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
Hijacking n/a n/a £25/24 hrs up to £250 n/a £25/24 hrs up to £250 £25/24 hrs up to £350
Delayed Departure £50 for each 12 hr delay up to £100 50 for each 12 hr delay up to £150 £50 for each 12 hr delay up to £250 £25/12 hr delay up to £150 £25/12 hr delay up to £250 £25/12 hr delay up to £500
Missed Departure £200 £500 £500 £500 £500 £500


Further coverage includes:

  • Extension of the gadget cover
  • Winter sports coverage;
  • Travel disruption;
  • Golf;
  • A wedding;
  • A cruise; and
  • Business travel

Other Helpful Data: Policy Wording and Claims:

Call +44 1473 351 754 to reach Cedar Tree’s 24-hour medical emergency or repatriation assistance helpline. Call this number if you experience a medical emergency while traveling, get hurt, or fall unwell. If you require medical attention, dial this number right now. If you have any difficulties while traveling, the other crucial numbers for Cedar Tree policyholders are listed below.

Type of Claim Email Number
Emergency Medical n/a +44 1473 351 754
Airline/End Supplier Failure claims +44 345 266 1872
Gadget claims +44 345 0744828
Other general, non-emergency claims +44 1473921257


What Differentiates Cedar Tree Travel Insurance from Its Rivals?

It would help to consider Cedar Tree travel insurance in the context of other available solutions to appreciate its worth fully. We compared it to other plans in the market to discover which may be more suitable for you. Also check Curious About Staffordshire Traffic News? 

Cedar Tree Travel Insurance versus Coverwise Travel Insurance:

Another trustworthy specialty travel insurance provider with a solid reputation for providing good value is Coverwise. Prices for a single trip to Europe start at about £5, with cancellation protection ranging from 1,000 to 10,000 and baggage from 750 to 3,000. Emergency Medical starts at £5 million and goes up to limitless cover on top-tier policies. The Valuables extension upgrade, which starts at £5.90 and provides £1k or £2k of valuables cover, may be helpful if you want more excellent protection for electronics like mobile phones and computers.

Coverwise is another reliable alternative for travel insurance with the bonus of adding gadget cover to safeguard cell phones, tablets, and other electronic devices, but this only offers £2,000 of coverage.

Comparing AXA and Cedar Tree travel insurance:

With all policies providing Bankruptcy, Baggage, Cancellation/Delay/Curtailment, and Catastrophe, AXA travel insurance offers good value for the money. If you want to cover End Supplier Failure and catastrophe covered as standard, then AXA might be your complete travel insurance choice.

Cedar Tree Travel Insurance vs. Sainsbury’s Travel Insurance:

When acquired through a comparison website, Sainsbury’s Travel insurance provides reliable coverage at reasonable pricing. Luggage, cancellation, and emergency medical coverage are all included in all plans. However, you also receive scheduled airline failure, a delayed departure, and trip abandonment. Extended Gadget Cover can be added to any subscription to cover mobile phones, iPads, and other devices. Trip durations are longer than usual (notably up to 92 days on top-tier plans bought direct). Sainsbury’s Bank may offer better travel insurance if you need coverage for more extended travels.


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