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Cedar Tree Travel Insurance

★ 4.4

Save 5% on any Cedar Tree travel insurance policy with code — use code CEDART5, Offer ends 31 July 2026. This offer cannot be used with cashback.

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Cedar Tree Travel Insurance is a UK travel insurance provider offering single-trip, annual multi-trip and long-stay policies. Its policies include a range of cover levels and selected digital travel services.

Overview

Cedar Tree offers travel insurance through different levels of cover, allowing travellers to choose between lower-cost and more comprehensive options.
Depending on the policy selected, cover may include emergency medical expenses, trip cancellation, baggage protection and additional travel services.
Some policy tiers also include features such as gadget cover, access to the Doctor Please! service and the BagFinder baggage tracking service.

Features

✓ Cedar Tree offers three main levels of cover: Bronze, Silver and Gold. Cover limits and included features vary depending on the tier selected.
✓ Emergency medical cover: Cover limits range from £10 million on Bronze policies to £15 million on Silver and Gold policies.
✓ Cancellation cover: Limits range from £3,000 on Bronze to £5,000 on Silver and £7,500 per person on Gold.
✓ Baggage and belongings: Cover ranges from £2,000 on Bronze to £2,500 on Silver and £3,000 on Gold.
✓ Personal liability: Policies include up to £2 million of personal liability cover.
✓ Doctor Please! service: Policyholders can access a UK-based video GP service for minor, non-emergency medical concerns while travelling.
✓ BagFinder service: Policies include a baggage tracking service designed to help locate delayed or misplaced checked luggage.
✓ Gadget protection: Selected Silver and Gold policies include cover for devices such as smartphones, tablets, laptops and digital cameras.
✓ UK staycation cover: Selected protections may apply to UK trips that meet the policy requirements, including minimum pre-booked accommodation conditions.
✓ Policy excess: The standard excess varies by tier, from £150 on Bronze and £100 on Silver to a £0 excess on selected Gold cover.

Summary

✓ Cedar Tree offers a choice of Bronze, Silver and Gold travel insurance policies, with cover limits and included features increasing across the different tiers.
✓ The provider may suit travellers looking for higher cancellation limits, longer individual trips on selected annual policies, or additional services such as video GP access and baggage tracking.
✓ Silver and Gold policies may also appeal to travellers carrying gadgets, while selected Gold cover offers a £0 policy excess.
✓ Travellers should compare the policy limits, exclusions, age restrictions and medical screening requirements carefully before choosing a level of cover.

Long-stay travellersGadget coverPremium travel cover

Pros

✓ High cover limits: Selected policies offer up to £15 million in emergency medical cover and up to £7,500 per person in cancellation cover.
✓ 24/7 UK video GP access: Policyholders can use the Doctor Please! service for minor, non-emergency medical concerns while travelling.
✓ Longer trips on selected annual policies: Some annual multi-trip options allow individual trips of up to 92 consecutive days.
✓ £0 excess on selected Gold cover: Some Gold policy options include a nil excess across many sections of cover.
✓ Baggage tracking service: Policies include access to the BagFinder service to help locate delayed or misplaced checked luggage.
✓ Gadget cover on selected tiers: Silver and Gold policies may include protection for smartphones, laptops, tablets and other eligible devices.

Cons

• Annual age limit: Annual multi-trip policies may not be suitable for travellers over the provider’s upper age limit.
• Single-trip age limits may apply: Older travellers should check the current policy wording before buying.
• Premium pricing: Higher cover limits and extra services may mean Cedar Tree is not the cheapest option for basic travel cover.
• Medical screening required: Travellers with complex or unstable medical conditions may need to complete screening and compare specialist options.
• No post-departure cover: Policies are generally designed for trips that start and end in the UK.

Best For

✓ Long-stay travellers
✓ Gadget cover
✓ Premium travel cover

Who Should Choose Cedar Tree Travel Insurance

✅ Who may want to consider Cedar Tree?
✅ Travellers booking higher-value holidays
Selected policies offer higher cancellation limits, which may be useful when flights, accommodation and other pre-booked costs are expensive.
✅ Travellers who value access to a UK video GP
The Doctor Please! service provides access to a UK-based video GP for minor, non-emergency medical concerns while abroad.
✅ Travellers taking longer individual trips
Selected annual multi-trip policies may allow individual trips of up to 92 consecutive days.
✅ Travellers carrying eligible gadgets
Selected Silver and Gold policies may include cover for smartphones, tablets, laptops and other eligible devices.
✅ Travellers looking for a lower policy excess
Selected Gold cover offers a £0 excess across many sections of the policy.
❌ Who may want to compare other options?
❌ Older travellers looking for annual cover
Upper age limits may apply, so older travellers should check the current eligibility rules and compare specialist providers where appropriate.
❌ Travellers with complex medical conditions
Medical screening and additional terms may apply. Travellers with complex or unstable conditions may also want to compare specialist travel insurance providers.
❌ Travellers planning very long continuous trips
Cedar Tree may not suit travellers looking for year-long backpacking, gap-year or continuous multi-country cover.

Faq

What is the Doctor Please! service?
Selected Cedar Tree policies may include access to the Doctor Please! service.
The service may allow travellers to speak with a UK-based doctor by video for certain non-emergency medical concerns while abroad. Availability, eligibility and the services provided should be checked in the current policy terms.
What is the BagFinder service?
Selected Cedar Tree policies may include access to a baggage tracking service called BagFinder.
The service is designed to help locate delayed or misplaced checked luggage. Travellers should check the current policy documents for availability, eligibility and instructions on how to use the service.
Can selected annual policies cover longer individual trips?
Some Cedar Tree annual multi-trip policies may allow individual trips of up to 92 consecutive days, depending on the policy selected.
Maximum trip duration, age limits and other eligibility requirements vary by policy, so travellers should check the current terms before buying.
Are smartphones and gadgets covered?
Selected Silver and Gold policies may include gadget cover for eligible devices.
Cover limits, exclusions and eligibility vary by policy. Travellers carrying high-value smartphones, laptops, tablets or cameras should check the current policy wording before buying.
Is a £0 policy excess available?
Selected Gold cover may offer a £0 policy excess for certain sections of the policy.
Excess amounts can vary by policy and claim type, so travellers should check the current policy schedule and wording for the exact amount that applies.
What is the maximum age limit for a Cedar Tree policy?
Age limits vary depending on the policy type selected.
Single-trip and annual multi-trip policies may have different maximum age limits. Travellers should check Cedar Tree's current eligibility requirements before buying cover.

Save 5% on any Cedar Tree travel insurance policy with code

Use code CEDART5, Offer ends 31 July 2026. This offer cannot be used with cashback. when buying a policy.

Offer ends: 31 July 2026

Cannot be used in conjunction with cashback

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