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, and when the airline goes bust you can’t do anything with it. But Cedar Tree made a point there that I should take the voucher and they won’t refund me even if I can’t travel next year. I have a Travel Disruption cover for situation like this but apparently it doesn’t work in this case. Not sure really when it works. In case of taking a voucher, I wouldn’t be able to seek assistance anywhere else, like my bank, Pay Pal, etc. so thank you for a great advice Cedar Tree. Also, to add to this, The European Commission called it unlawful for only giving voucher option and not a full refund by the airline (quote below), but Cedar Tree still advised to go with that option as they wouldn’t refund me if I was offered a voucher to use it later in the year. (btw, I have it all in emails).
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. With my trip, I managed to get better support with Pay Pal, booking.com, and eventually my bank. Cedar Tree response at that time still was that I should get a voucher. I will consider other insurance companies for the next term. And strongly advise if you are thinking of choosing Cedar Tree.
‘The European Commission is now to write a letter to all EU member states reminding them that airlines should be sanctioned if they violate passenger rights – including by refusing to offer refunds. An EU official said: ‘The law is clear. Passengers should be able to choose between a cash refund or other funds of reimbursement such as a voucher.’