Cedar Tree travel insurance

Single-trip and annual Cedar Tree travel insurance are available in three levels. Here are the key features of the Silver, Gold or Platinum policies:

Silver cover includes:

Cancellation or curtailment means you’re entitled to a maximum of £3,000 if your trip is seriously disrupted or cancelled.

Departure issues cover means the policy will pay up to £25 for each 12-hour delay up to £150. If your holiday is abandoned, you may claim up to £3,000, or £500 for a missed departure. The latter two come with a £75 excess.

Medical costs up to a £15 million limit. Plus, £450 for emergency dental care and £5,000 for funeral expenses abroad – both with a £75 excess.

Hospital benefit if you have to stay in hospital. You can claim £50 for every 24 hours in care, up to £200.

Personal accident benefit up to £1,000 for permanent total disablement, loss of limb, sight or death, providing you’re aged 18 to 66.

Baggage cover will pay up to £1,500 for lost luggage, with a £75 excess. Single items, pairs or sets of articles are covered to £200, with a £75 excess.

Accidental damage includes up to £750 of protection, with a £75 excess.

Personal money covers loss of cash up to £300, with a £75 excess.

Personal liability includes a maximum of £2 million on all policies if you need to defend yourself in a court case for damage to property or injury to another.

Gold cover includes:

Cancellation or curtailment means you’re entitled to a maximum of £5,000 if your trip’s seriously disrupted.

Departure issues cover pays up to £25 for each 12-hour delay up to £250. If your holiday’s abandoned you may claim up to £5,000, or £500 for a missed departure. Both will have a £50 excess.

Medical costs include £500 for emergency dental care and £5,000 for funeral expenses abroad – both with a £50 excess. The Platinum policy has the same level of benefit, but with no excess.

Hospital benefit means you can claim £50 for every 24 hours in care, up to £500 if you have to stay in hospital.

Personal accident benefit. Gold and Platinum policies can provide up to £10,000 for permanent total disablement, loss of limb, sight or death, providing you’re aged 18 to 66.

Baggage cover will pay up to £2,000 for lost luggage, with a £50 excess. Single items, pairs or sets of articles are covered to £300, with a £50 excess.

Accidental damage offers up to £750 of protection, with a £50 excess

Personal money cover means loss of cash is covered up to £300, with a £50 excess.

Platinum cover includes:

Cancellation or curtailment entitles you to a maximum of £7,500 if your trip is seriously disrupted.

Departure issues are covered for up to £25 for each 12-hour delay up to £500. If your holiday is abandoned you may claim up to £7,500, or £500 for a missed departure.

Hospital benefit covers hospital stays. You can claim £50 for every 24 hours in care, up to £1,000.

Baggage cover pays up to £3,000 for lost luggage, with no excess. Single items, pairs or sets of articles are covered to £500, with no excess.

Accidental damage includes up to £750 of protection, with no excess.

Personal money covers loss of cash up to £400 or travel documents and passports to £500 with no excess.