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Travel Insurance with Medical Conditions

Cedar Tree offers specialist medical travel insurance for pre-existing conditions, is independently rated 5 star by Defaqto, and backed by our award winning customer service and claims teams.

Award Winning Travel Insurance

Travel insurance Provider of the Year (Moneyfacts, 2025)

Gold Trusted Service Award (Feefo, 2026)

Defaqto 5* rated (Travel Insurance, 2025)

Trusted Brand

Over 10 million insured

5-star Customer Rated Products

Our Benefits

Free TravelMate App

Doctor Please! free access to a UK Teledoctor for minor medical emergencies

Free eSim with 1GB of data

Free BagFinder service to retrieve lost baggage

Free Cedar Tree Plus access giving you discounts on high street retailers, and monthly competitions

Rewarding Loyalty

Unique loyalty scheme

Loyal customers always pay less

Get a quote Travel Insurance Quote

Key Benefits

Once you've declared your pre-existing medical conditions on your policy, you'll be covered if you need to cancel or cut short your trip due to a change in health leaving you unable to travel. You'll also be covered if you need emergency medical treatment while abroad, including repatriation to land from a cruise ship, and back to the UK where medically necessary.

While travelling, for minor illness, you'll have access to an English Speaking Teledoctor service (both video call and phone call) who can issue you prescriptions remotely in most countries. For more major illness, you'll also have access to our 24/7 medical emergency assistance line.

Cover for most pre-existing medical conditions

Cover while you are awaiting surgery

No cover while you're under investigation or awaiting a diagnosis

If you'd like more information on how you are covered by our Specialist Medical Travel Insurance, please click below:

Learn more about our Medical Cover

We offer an easy online screening to ensure you get the right cover for you

CEDAR TREE

BAGFINDER

More than a million checked-in bags get lost forever at airports globally every year. Cedar Tree BagFinder is free with all of our policies and can prevent this from happening to you.

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Suitcases

Introducing the Doctor Please! app

For minor medical issues, you can now speak to a UK doctor via a video call at a time and place convenient to you.

It's cheaper and more convenient than seeing a local private doctor and in most cases, they will be able to issue you a local prescription.

Exclusive customer benefits for policy holders

We don't believe in "new customer offers".

For us, it's all about rewarding loyalty.

Already a policyholder?

Access Cedar Tree Plus

So what makes Cedar Tree Plus special?

Save up to 20% on your travel insurance

100% free for policy holders

Exclusive offers, draws and discounts on the UK's most popular brands through our Discount Hub.

All of your policy details in one place

Feefo logo Feefo Gold Trusted Service Award

Reviews

Pretty easy policy update StarStarStarStarStar
Trusted Customer - September 8, 2026 - Annual Multi-Trip Travel Insurance

Grace was very pleasant to deal with and the call addressed my medical query/update. Shame that your system doesn’t explicitly recognise my condition though - paraovarian cysts are very common and almost always benign.

Very good service StarStarStarStarStar
Trusted Customer - September 8, 2026 - Annual Multi-Trip Travel Insurance

Very helpful; couldn’t do enough.

Holiday stuff StarStarStarStarStar
Trusted Customer - September 5, 2026 - Single Trip Travel Insurance

Easy to understand and use

Super Friendly StarStarStarStarStar
Trusted Customer - September 4, 2026 - Annual Multi-Trip Travel Insurance

I got through to a telephone rep really quick who was super friendly and helpful. Bradley was patient and explained everything really well to make sure I understood the changes being made to my policy.

Fantastic Service StarStarStarStarStar
Emma - September 4, 2026 - Annual Multi-Trip Travel Insurance

Grace was friendly and professional, and carried out my request with ease and clarity. She was wonderful to deal with.

Travelling to Italy StarStarStarStarStar
David - September 4, 2026 - Single Trip Travel Insurance

Covered the essentials and at a very reasonable price. As I have medical conditions I assumed the cost of the insurance would be much higher, so the quote was very pleasing.

2027 Holiday StarStarStarStarStar
Trusted Customer - September 3, 2026 - Single Trip Travel Insurance

Easy to use with clear terminology. Just hope i don't have to use it.

Great experience all around StarStarStarStarStar
Elisha Perry - September 3, 2026 - Single Trip Travel Insurance

Input wrong dog for my partner on the travel insurance, emailed about the error, got changed straight away with no extra charge! Very efficient and affordable

StarStarStarStarStar
Trusted Customer - September 2, 2026 - Single Trip Travel Insurance

Very helpful staff , had an error on policy sorted it out so quickly. Hassle free . Would definitely recommend

StarStarStarStarStar
Trusted Customer - September 2, 2026 - Single Trip Travel Insurance

Answered telephone quickly and was very helpful.

StarStarStarStarStar
Darren Ryn - September 2, 2026 - Single Trip Travel Insurance

Easy and efficient

Most helpful, thankyou StarStarStarStarStar
Trusted Customer - September 1, 2026 - Annual Multi-Trip Travel Insurance

Very helpful and patient, thankyou.

Competitive price StarStarStarStarStar
Trusted Customer - September 1, 2026 - Single Trip Travel Insurance

A really competitive price covering lots of pre existing medical conditions. Seems to offer a good standard and level of cover. All policy documents received quickly by email and seem to be very thorough

StarStarStarStarStar
Trusted Customer - September 1, 2026 - Annual Multi-Trip Travel Insurance

Stressful quick and easy

Claim following bereavement. StarStarStarStarStar
Laura - August 28, 2026 - Single Trip Travel Insurance

Following the bereavement on my Mother in Law my husband and our family had to cancel our holiday. The team were very helpful when I had issues completing the claim online. They explained everything that was needed and when asking for further information made it clear what they were asking. The claim was resolved within three/four weeks and was completely stress free which given the circumstances was greatly appreciated.

Helpful service StarStarStarStarStar
Trusted Customer - August 28, 2026 - Annual Multi-Trip Travel Insurance

Very helpful service from Charlie. He explained the process he needed to follow and what my answers meant for my policy. He was friendly and professional at all times.

StarStarStarStarStar
Trusted Customer - August 28, 2026 - Single Trip Travel Insurance

Very friendly, and a quick process to up date my medical history.

Great StarStarStarStarStar
Trusted Customer - August 27, 2026 - Single Trip Travel Insurance

Great insurance company very easy to deal with no problems so far. Used them for a few years now.

StarStarStarStarStar
Michael Morris - August 27, 2026 - Single Trip Travel Insurance

ok

Great service StarStarStarStarStar
Debra Allgood - August 24, 2026 - Single Trip Travel Insurance

Lovely young man helped me with updating my policy im been treated for muscle pain,in my back and reassured me about everything

Over
10 MILLION
insured

Introducing

TravelMate©

Bringing us with you has never been easier!

We've compressed everything that's unique about Cedar Tree into one app to ensure you have instant access to everything you need on your travels.

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Get TravelMate on the App Store Get TravelMate on the Play Store