Click here to view common scenarios to help you understand how your policy covers Coronavirus*
Any policy sold by Cedar Tree includes cover for any medical claim due to Coronavirus* while travelling. 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*
Any new policy will not cover any cancellation due to government restriction on travel or the need to quarantine either at your destination or on return home due to Coronavirus* or any future pandemic.
Your policy will be valid for travel to the countries shown on your certificate of insurance. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information.
For the full limits of cover for your chosen policy please refer to your schedule of cover. Terms and Conditions apply.
* Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.
The cover under our policies is limited if you travel to a country to which the Foreign, Commonwealth & Development Office (FCDO) advises against 'all but essential travel'. The FCDO define essential travel as follows "Whether travel is essential or not is your own decision. You may have urgent family or business commitments which you need to attend to. Only you can make an informed decision based on your own individual circumstances and the risks." We understand that this does not provide much clarity so we have outlined below reasons which we would routinely consider to constitute essential travel.
The following reasons are deemed to constitute essential travel. If you travel to a country to which the FCDO advises against all but essential travel for one of the reasons listed below you will have full cover under your policy.
Visiting Friends or Family
There are many reasons that you may feel it is essential to visit friends or family. For example visiting a new addition to the family, childcare, health concerns, providing care etc
Work and Education
Examples Include: Visiting an office, colleague or supplier; Attending a job interview or starting a new job; Charity work; Attending an educational course or taking part in work experience
Major Life Events
Examples Include: Attending Births, Adoptions, Weddings (and Civil Partnerships), Funerals
Property and Legal
Examples Include: Visiting estate/letting agents, viewing properties, buying or selling a property; Maintaining a property; Moving House; Fulfilling a legal obligation, participating in legal proceedings
Examples Include: Attending medical consultations or appointments either for yourself or with friends or family
Sports and Performing Arts
Examples Include: Structured Training, Taking part in events or competitions; Performing at events
The following reasons are not considered essential travel. If you travel to a country to which the FCDO advises against all but essential travel for one of the reasons listed below you will not receive any cover for a claim related either directly or indirectly reason the FCDO advice against travel is in place. For example if the advice is in place due to COVID then you will not have any cover for being unable to travel or becoming ill with COVID but will have all other cover in place for example for becoming ill for other reasons, needing to claim for lost baggage etc.
If the reason you are travelling is not listed above and you believe the reason for your travel is essential then please contact us. Please note that referral process can take up to five working days.