Cedar Tree Travel Insurance Review 2026: Cover, Underwriter and Limits

What Cedar Tree is

Cedar Tree is a travel insurance brand sold online at cedartreeinsurance.com. It is not an insurer in its own right. According to the brand's Terms of Business Agreement, Cedar Tree is a trading name of Cover For You Insurance Group Limited, an insurance intermediary licensed in Gibraltar by the Financial Services Commission under Permission Number 5570. The same group operates the related CoverForYou brand.

Cedar Tree sells and administers the policy, handles customer service, amendments, cancellations and renewals, but it does not carry the insurance risk itself. Its correspondence address for complaints about the sale of a policy is given as Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG. The brand confirms it does not provide advice or a personal recommendation: customers select cover based on the information supplied and the tier they choose.

Alongside travel insurance, the same site markets gadget insurance and car hire excess insurance, which are separate products with their own terms.

Who underwrites the cover

The party that actually pays claims matters more than the brand name on the front of the site. For Cedar Tree travel insurance, Sections 1 to 9 of the policy are underwritten by Inter Partner Assistance S.A., which is authorised and regulated by the National Bank of Belgium and has a registered head office in Brussels. The UK branch is authorised by the Prudential Regulation Authority under firm reference number 202664, is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority, and operates from 106-118 Station Road, Redhill, RH1 1PR. Inter Partner Assistance S.A. is part of the AXA Group.

Certain optional sections are underwritten by other carriers. The brand's documentation states that the gadget cover sections are underwritten by Collinson Insurance, a trading name of Astrenska Insurance Limited, authorised by the Prudential Regulation Authority and regulated by the FCA and PRA under firm reference number 202846. The split means a single Cedar Tree policy can involve more than one underwriter, depending on which optional extensions are bought.

The brand confirms that the underwriter is covered by the Financial Services Compensation Scheme, so a policyholder may be entitled to compensation if the insurer cannot meet its obligations, subject to the scheme's rules and the circumstances of the claim.

What policies Cedar Tree offers

Two core trip structures are sold: single trip cover and annual multi-trip cover. Single trip policies cover one journey for trips of 1 day up to 94 days. Annual multi-trip policies cover an unlimited number of trips within a 12-month period, with each individual trip capped at up to 92 days depending on the level of cover chosen.

Optional extensions listed in the brand's documentation include winter sports, cruise cover, golf cover, a gadget extension, a trip disruption extension, and sports and activities extensions. These are add-ons rather than standard inclusions, so the base premium does not automatically cover activities such as skiing or a cruise. The FCDO notes that cruises generally require an additional level of cover and that some activities need specialist insurance or an add-on, which is consistent with how Cedar Tree structures these sections.

Pricing structure

Cedar Tree quotes single trip policies starting from 6.50 pounds for a weekend away within Europe, with the final premium driven by destination, trip length, traveller ages, the cover tier and any medical conditions declared. The brand states it charges no separate policy fees and that it is remunerated through commission paid by the underwriter, which is included in the insurance premium. Premiums for an annual multi-trip policy depend on the geographic area selected, such as Europe or worldwide, and the destinations included.

Because cover limits differ between tiers, the headline starting price reflects the lowest level of cover. A traveller comparing on price alone should check that the cancellation, baggage and excess figures on a cheaper tier match the trip being insured.

What is covered and excluded

Across the tiers, the policy provides cancellation or curtailment cover, emergency medical and other expenses, baggage, personal money, personal liability, and delayed or missed departure cover. Emergency medical cover is quoted at up to 15 million pounds. Cancellation cover varies by tier, ranging from 1,000 pounds at the entry level up to 7,500 pounds on the higher tier. Hospital benefit, personal accident, legal expenses and other sections appear in the schedule of benefits, with limits that step up as the tier rises.

As with any travel policy, exclusions apply. The brand's wording is explicit that losses not specifically stated as covered are excluded, that circumstances known before purchase which could reasonably be expected to lead to a claim are not covered, and that the conditions relating to health must be met. The FCDO advises that failing to declare existing medical conditions or pending treatment may invalidate cover, which aligns with Cedar Tree's health conditions requirements. A government-issued GHIC is not a substitute for travel insurance: the NHS confirms a GHIC does not cover repatriation, private treatment, or mountain rescue.

How Cedar Tree compares

The brand's positioning sits in the mainstream online travel insurance segment, with the upper medical limit of up to 15 million pounds and cancellation cover capped at 7,500 pounds on its higher tier. Some specialist providers structure their proposition differently: Staysure, for example, publishes no upper age limit and cancellation cover up to 15,000 pounds on its higher tiers. Cedar Tree's standard travel product, by contrast, sets age eligibility ceilings, which makes it a structurally different proposition for older travellers. Industry context from the ABI shows why medical limits matter: members paid 262 million pounds in travel medical claims in 2024, with the average medical claim at 1,528 pounds and one member paying over 1 million pounds for a single USA hospitalisation and repatriation.

How to make a claim

Claims are not handled by Cedar Tree directly for most sections. The policy wording directs the majority of claims, except gadget cover and scheduled airline failure, to Cega Travel Claims at PO Box 127, Chichester, West Sussex, PO18 8WQ, with online registration via the brand's claim portal. Gadget claims are handled by the Davies Group in Preston, and scheduled airline failure claims are handled by IPP Claims at Sedgwick in Cardiff. Complaints about a claim are directed to the AXA Partners complaints team in Redhill, while complaints about the sale of the policy go to Cedar Tree in Stevenage. If a complaint is not resolved, it can be referred to the Financial Ombudsman Service.

Who Cedar Tree might suit

The structure points to travellers who want a mainstream online policy with a high emergency medical ceiling and the option to add cover for activities such as winter sports or cruises. The tiered cancellation limits, from 1,000 pounds up to 7,500 pounds, mean the value of a prepaid trip should be matched to the right tier rather than the cheapest. Travellers outside the standard age eligibility, or those with complex pre-existing conditions, would need to confirm acceptance directly, since age ceilings apply to the standard product. As always, the current limits, age rules and underwriter details should be confirmed on the brand's live documentation before buying, because these can change between policy versions.

Sources

• Cedar Tree Travel Insurance product site
• Cedar Tree About Us page
• Cedar Tree Terms of Business Agreement (CTA-TOBA3 3/2026)
• Cedar Tree single trip travel insurance page
• Cedar Tree annual multi-trip travel insurance page
• FCDO foreign travel insurance guidance
• NHS Global Health Insurance Card (GHIC)
• ABI 2024 travel claims figures