Cedar Tree Insurance34 reviews
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an extra £94 slapped on because I had mastitis while breastfeeding eight months ago. We’ve had this family policy for years for the everyday peace of mind (school runs, commuting, all that), so it felt like a kick in the teeth for something that was temporary and gone. I rang them, they explained their rule (fine), but what actually made me breathe out was when I found another provider who didn’t penalise resolved breastfeeding problems and who was upfront about it — I switched, and the relief was instant, honestly. That said, the original insurer wasn’t useless: paperwork arrived quickly and the renewal process itself is straightforward, so they do some things well. It’s just a shame their approach can put new parents off breastfeeding or feel punitive over a short-term issue. Things could be clearer, and I’d rather they reviewed their stance. Anyway, happy we sorted it — not perfect, but the new policy fits our day-to-day life better and that’s what mattered in the end.
Stranded and let down
We were halfway through the chaos at Colombo airport when it hit me properly — our return flight had been cancelled and the situation in the Middle East was spiralling. With two small kids in tow I expected the insurance to at least point us in the right direction. Instead, we found silence. The 24/7 number we rang was apparently for medical emergencies only, so there was no one to speak to about rerouting, no emergency assistance, no practical guidance. That single detail — the helpline being useless for anything but medical crises — made everything so much worse. We had to buy new tickets ourselves, almost on the spot, because there simply wasn’t a viable alternative offered to us. Prices had shot up and we ended up several thousand pounds out of pocket. I don’t want to sound dramatic, but it was a horrible few days and I had to make hard choices with tired kids and very little sleep. After we got home, the insurer paid a token amount under delayed arrival, which felt like a slap in the face compared with the nearly £3,000 extra we spent. They then refused to reimburse the replacement flights. I’ve dealt with other insurers before and if something goes wrong, at the very least someone gets back to you with options or a plan. Here there was nothing — a blank wall exactly when we needed help. The policy wording also didn’t match the reality on the ground; reading the small print later felt like trying to piece together a different product. I do appreciate that airline responsibilities can be complex, and I’m not trying to blame every party involved, but as a policyholder I genuinely believed we had bought protection for situations like this. The lack of non-medical support, especially over a weekend, is the thing I keep coming back to. It made an already stressful situation worse and cost us substantially. I’ve submitted a formal complaint and I’m waiting for a thorough review, but honestly I’d have expected better communication and clearer guidance at the time. Emotionally, it left us shaken and tired, and financially it hurt. If you’re considering a policy here, read the terms carefully and phone them before you travel to check what their helpline actually covers — don’t assume 24/7 means fully 24/7 practical support.
Hidden clause that bit me later
if it’s a genuine Apple device with global warranty, that should be fine, right? Apparently not. That doubt I had before buying felt reasonable in the moment, but I pushed it aside and went ahead. Big mistake.
Unexpectedly smooth when it mattered
I wasn’t planning on needing insurance this trip, so when I tore a ligament in my knee while holidaying on an island in Africa it felt proper stressful. First thought was “oh great, now what?” I only ever buy these policies for the medical cover, so I was relieved that this was the one time I actually needed it. The very first contact was a bit muddled — I emailed and it turned out I’d sent it to a sales address by mistake, which is a bit of a facepalm moment. Still, they replied with useful links and steered me in the right direction, which helped calm me down. I booked a phone consultation with a UK doctor (felt like a necessary box to tick) and was advised to go to the local clinic. I had to make a few more calls over the following days and there was some back-and-forth, a little chaos and some unclear decisions, but ultimately I saw the clinic twice and only paid a small access fee; the rest of the treatment was covered. Back home, I submitted a claim for extra transport and got a response within their advertised 10-day window, and the refund landed in my account within the promised timescale too. So yeah, the process could be more user-friendly and the first responders could be clearer, especially when you’re stressed and on holiday, but the key stuff — medical cover and timely reimbursement — worked. Felt properly grateful it went this way, and I’d probably buy the same policy again, even if the paperwork isn’t perfect.
Nearly there, just a bit rough
loads of forms, quite a bit of chasing, and after about six weeks they refused it saying the airline had rejected payment. Annoying, honestly. So the product itself is fine and reasonably priced, but the claims handling needs proper improvement — not perfect, but usable.
Not what it promised
I wouldn't recommend them. I bought a policy before our trip in February and at first it all looked fine — clear website, easy payment and I felt covered. Then my partner had a fall in Thailand and everything went downhill. They took payments gladly but didn't actually help. No useful advice, no proper follow-up. I spent weeks chasing upgraded flights and trying to get a sensible plan. Promised call-backs didn't happen. It's been over eight weeks and the main issues are still unresolved. Small bits of help turned up eventually, but only after constant nagging. If they sorted their responsiveness, I'd consider them again.
Tiny print, big trouble
three nasty incidents in 2025 — an illness that landed me in hospital, plus a couple of thefts — and each time the firm found a bit of small print to wiggle out of paying. Trying to get help felt like negotiating with a robot that quotes clauses. Annoying, expensive and, yes, useless to me at the time. On the bright side I'm thankful — now I'm obsessive about reading terms, at least I learned something and I can warn others.
Part-payment that finally landed
the policy ties payouts to the original purchase value), and initially my claim was rejected because the proof of purchase doesn't show depreciation. I argued that the phone had lost value but the paperwork didn't, and they were rigid. After pushing, they offered a reduced settlement minus the excess; not ideal, but practical — and the money hit my account within a week. My tip: keep receipts, ask about 'original value' clauses before you buy, and consider extra cover if your device is above the basic limit.
Not worth the fuss
I first saw Cedar Tree in an ad on Facebook and a mate actually recommended them, so I signed up thinking it would be straightforward. In practice you don't deal with them much — they pass everything to third parties (Davies Group, MMI) and then it becomes a long game. My phone went in for repair, I paid a £150 excess and got it back still dodgy. When I asked for a proper warranty fix the repairer kept the handset and wouldn't return it straight away. Delivery of the handset was messy, communication from customer service patchy and they kept saying it's 'out of their hands'. Felt pretty annoyed and a bit helpless. Not impressed.
Misleading cover, awkward outcome
the initial phone response was quick. Overall I won’t risk using them again unless the wording and options are much clearer.
Paperwork muddle, but sorted in the end
keep stern notes, insist on a reference number and don’t assume the first reply is the last. Would use them again, but expect some faffing.
Slightly messy start, but ended up glad I stuck with them
am I covered or not? So yeah, I had doubts, big ones. I almost cancelled straight away, because I’ve been burned before by companies that look great on comparison sites and then quietly change the story once you’ve paid. That was my baseline experience with another provider last year, so I wasn’t going to be relaxed about this one without checking everything twice (and thrice, if I’m honest).
Not fit for purpose
I wouldn’t rely on them. I found them on a price comparison site after a mate suggested I try to save a few quid, but the moment things went wrong they washed their hands of it. Long story short — my outbound flight was cancelled, I had to buy a next‑day ticket for about £300 and I submitted receipts and all the usual paperwork. They rejected the claim saying, oddly, that I “somehow” got home on the cancelled flight so there were no extra costs. That’s not what happened. Their replies kept pointing to some add‑on cover I supposedly needed, whereas the policy wording I have explicitly mentions cancellation and travel disruption as standard. I argued that, sent the evidence again, and the tone shifted to blame inaccuracy on me rather than admit an error. It’s annoying and a bit baffling — felt like dealing with someone who was ticking boxes rather than reading the files. I’m mainly annoyed about the time and the lack of clarity. If you see them on a comparison site, read the small print twice and be ready to push back.
Paperwork left me hanging
the insurer asked for medical records but, for reasons described to me as "technical issues", never actually requested them from the doctor while we were away. That meant the hospital didn't have confirmation for some costly work, so care was awkward and delayed — not dramatic, but definitely not smooth. We decided we'd claim on return, which seemed sensible. Back home we chased the GP, the GP sent the history, and then… nothing from the insurer. When we followed up they said again the records hadn’t reached the medical team, or there was a human error, or they needed more details. We were told someone would get back after the weekend. Friday came and went, still no resolution, another chase, another promise. Months have passed and it's been a string of dropped balls and repeated asks from their side for the same bits of paperwork. I understand checks are necessary, but the communication and delivery of the process have been poor. I have provided the hospital invoice when requested most recently, but I'm still waiting on a final decision. Customer service felt slow and reactive rather than helpful. Compared to other insurers I've used, this was noticeably worse on follow-through. I'm filing a formal complaint but posting this so others know; it's been wearying rather than upsetting, if that makes sense.
Personalized insurance advice
I recently spoke with a really helpful advisor who knew all about the insurance products. Miriam was so knowledgeable and really took the time to find me the best insurance deal. I liked that she paid attention to every detail and was happy to explain all parts of the policy to me. Her personal touch was really nice, especially in a world where everything can feel automated.
Travel insurance for family trip
I just got travel insurance for a family holiday to Florida and I have to say, I really appreciated the help I got from the insurance company. Sadly, my little girl got sick while we were away, but Cedar Tree were there for us the whole time. They helped with medical costs, paid for our hotel stay, and even sorted out flight changes when our trip ended up being longer than planned. Their help really made a tough situation easier to handle and I'm really grateful for their support. Because of this great experience, I've decided to get insurance from them again for our next holiday.
Efficient and helpful service
I had a brilliant time dealing with the team over at Cedar Tree Insurance. The customer service reps I had a chat with were so nice and really knew their stuff. They made sure to explain everything in a way that I could understand without any confusion, which I was really grateful for. Even though I'm not great with technology, they were patient and guided me through everything. Bradley and Sue were particularly amazing - they went above and beyond to help me out. I'll definitely be coming back as a customer again someday.
Insurance
I got insurance and they were so helpful, giving me loads of advice. Just make sure you actually read all the fine print and ensure you're covered for every possible thing, especially when you're travelling!
Travel insurance renewal
I've been with this insurance company for years and they've been great. Renewing my travel insurance online is always quick and easy, with no problems. I like how all my policy info is easily available on their website.
Insurance advice and assistance
I had a chat with an insurance rep not long ago, and they were really clued up and confident in what they were saying. They gave me some straightforward and useful advice about my insurance requirements, and their friendly approach made the whole thing easy and enjoyable. I was really impressed by how much they knew and the effort they put in to help me find the best insurance for my needs. It was good to know I was in safe hands and getting top-quality service.
About Cedar Tree Insurance
Cedar Tree Insurance is a travel insurance provider that specializes in offering premium travel insurance policies. They offer silver, gold, and platinum policies that cover emergency medical treatments abroad, bankruptcy of travel or accommodation providers, loss or damage of luggage, and delays in baggage delivery. Customers can conveniently purchase their travel insurance online via their website and receive assistance if needed. Cedar Tree Insurance aims to provide top-quality travel insurance for various travel situations.
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Insurance | Travel Reviews & Experiences
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Last update: April 2026
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Very interesting,never find before, truly. I had taken out insurance for my 14 days tours to Madrid. I lost my camera and lenses or stolen , couldn't judge till the last. But... Read onBy: Oscar