Important Notice: Understand how Coronavirus affects your cover. Read more

Coronavirus FAQs


Am I covered for Coronavirus?

Any policy sold by Cedar Tree includes cover for any medical claim due to Coronavirus* while travelling so long as you are travelling to an area where no FCO advice against travel exists. We include cover for cancellation due to you falling ill with Coronavirus* and being unable to travel or being required to self isolate, subject to medical certification or an official test result. We additionally include cover for curtailment due to the death of a close relative due to Coronavirus*

Click here to view common scenarios and the cover available under your policy on our dedicated Coronavirus Page.

The cover for cancellation under your policy for Coronavirus* will depend upon when you purchased your policy and when you originally booked your trip.

If you purchased a new policy after midday on the 13th March 2020
Any new policy purchased after midday on the 13th March 2020 will not cover any cancellation due to government restriction on travel due to Coronavirus* or any future pandemic (for example the FCO advising against all travel or all but essential travel to your destination or your flights being cancelled).

If you renewed a policy after midday on the 13th March 2020
So long as there was no break in cover then for any trip originally** booked prior to midday on the 13th March 2020 you will continue to receive cover for cancellation due to government restriction on travel due to Coronavirus* or any future pandemic (for example the FCO advising against all travel or all but essential travel to your destination or your flights being cancelled). For any trip originally** booked after this date and time no cover will apply for cancellation due to government restriction on travel due to Coronavirus* or any future pandemic.

If you purchased or renewed a policy prior to midday on the 13th March 2020
Your policy will cover cancellation due to government restriction on travel due to Coronavirus* or any future pandemic (for example the FCO advising against all travel or all but essential travel to your destination or your flights being cancelled) so long as both your policy and the trip where originally** booked prior to the 13th March 2020. If your trip was originally** booked after this date and time then no cover will apply for cancellation due to government restriction on travel due to Coronavirus* or any future pandemic.

* Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.

** If you originally booked a trip prior to the 13th March at midday and you move this trip to a later date (for example by way of date change or voucher) you will continue to receive cover for cancellation claims in relation to Coronavirus for that trip.

I had to change my travel dates, can I move my insurance?

Subject to some terms and conditions you can move your policy at no cost so long as your new travel starts within 379 days of your original start date on a like for like basis, in many cases once you have changed your date you will be able to make other mid term adjustments such as increasing cover duration or upgrading your area of cover. To do so please enter your Customer Zone from your initial purchase e-mail and click 'Change my Travel Dates', please note for your security you will need to enter your post code to verify your identity.

Can I postpone/extend my Annual Multi-Trip policy?

While we are unable to postpone or extend your policy as it is for a set term we are offering all renewal clients who renew their policy between 13th March and 31st July three extra months free (15 months for the price of 12). We are also offering all renewing clients the option to delay the start of your renewal by 90 days, this option is available to you in your renewal portal for which access is issued 21 days prior to the expiry of your policy.

If your renewal does not fall within this period we can confirm we continue to work with our underwriters on this matter and will update these FAQs if and when we are able provide a similar option for clients outside this date range.

My package holiday balance is due, should I pay?

Our policies do not cover reimbursement for a deposit if you fail to make payment for the balance when due. We recommend reading the following article which provides guidance on this issue: https://www.moneysavingexpert.com/news/2020/02/coronavirus-travel-help-and-your-rights/#stoppaying

I am no longer planning to travel, can I cancel my policy?

You can cancel your policy through the customer zone using the process outlined below, the amount we will refund depends on how long you have had your policy and when you purchased you policy (as we have special conditions for policies purchased prior to Coronavirus being declared a pandemic). You will not be able to cancel your policy if you have made a claim under the policy. Terms and Conditions apply.

How to Cancel Your Policy:
  1. Open your policy purchase e-mail.
  2. Click 'View our Customer Zone'
  3. Enter your post code to verify your identity
  4. Click 'Edit Your Policy'
  5. Click 'Cancel Policy'
  6. Confirm you have not made nor do you intend to make a claim under this policy

How much we will refund (policy purchased on or prior to 13th March 2020):
If you cancel an Annual Multi-Trip Policy:
  • prior to the start date, or, within 14 days of purchase (so long as you have not travelled): 100%
  • in any other circumstance: 6% per full month remaining on cover.
If you cancel a Single Trip or Backpacker Policy:
  • within 14 days of purchase and prior to the start date: 100%
  • after 14 days of purchase and up to 45 days after the expiry of your policy (so long as you have not travelled):
    • between 14 and 30 days after purchase: 70%
    • between 31 and 60 days after purchase: 60%
    • more than 60 days after purchase: 50%
  • more than 45 days after the expiry of your policy: No Refund

How much we will refund (policy purchased after 13th March 2020):
If you cancel an Annual Multi-Trip Policy:
  • prior to the start date, or, within 14 days of purchase (so long as you have not travelled): 100%
  • in any other circumstance: 6% per full month remaining on cover minus a £15 admin fee
If you cancel a Single Trip or Backpacker Policy:
  • within 14 days of purchase and prior to the start date: 100%
  • after 14 days of purchase and prior to the start date:
    • between 14 and 30 days after purchase: 70%
    • between 31 and 60 days after purchase: 60%
    • more than 60 days after purchase: 50%
  • after the start date: No Refund

By following this process, we aim, if your request is approved, to process your cancellation within 2 working days or receipt and thereafter funds should reach your account within 3 to 5 working days.

How do I make a claim?

The quickest way to make a claim for cancellation due to Coronavirus is online. Please be aware that in all cases you should attempt to obtain a refund or voucher from your travel provider prior to making a claim. If you are concerned about the requirement to notify us as soon as possible of a loss please be assured that you do not need to make a claim until such point as your travel provider has formally in writting denied your request.

Make a claim online: Enter your Customer Zone from your initial purchase e-mail and click 'Make a Claim', please note for your security you will need to enter your post code to verify your identity.

Make a claim by phone: Call CEGA Travel Claims on 01473 921 257 noting scheme Code: A00806. Their team are available 8am-6pm Monday to Friday and 8am-4pm Saturday.

Please note the above information relates to general claims only, if you need to make a claim for a Medical or other Emergency, under Gadget Cover or for Scheduled Airline Failure or End Supplier Failure please view our claims page for more information.

Am I entitled to make a claim under my policy for Airline Failure (e.g. FlyBe)?

Almost all of our policies include Scheduled Airline Failure Cover or End Supplier Cover. To claim under these sections please contact IPP Claims

Make a claim online: www.ipplondon.co.uk/claims.asp

Make a claim by phone: Call IPP Claims on 0345 266 1872

I've made a claim and haven't had a response yet

Our claims team is extremely busy having received in excess of a years worth of claims in the first two weeks of the pandemic alone. While the team is working overtime it will take longer than normal to deal with the unprecedented number of claims and they are currently taking around 10 working days for their initial review of a claim. Please bear with the team and they will get to your claim.

Please note that our team cannot assist with claims related matters and that if you do wish to chase up your claim then firstly we recommend you do not do this until at least three weeks have passed and secondly that you should do so by calling CEGA Travel Claims on 01473 921 257.

I would like to make a complaint about my claim

Due to the unprecedented number of claims at this time please be aware that we are unable to accept a complaint unless the time to resolve your claim has exceeded 30 days. Once your claim has exceeded this limit, or, if you would like to make a claim in relation to a partial or full denial of your claim then you may make a complaint by e-mailing complaints@cedartreeinsurance.com.