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CoverForYou Travel Insurance Review: Flexible Single-Trip & Annual Cover

Whether you're planning a beach holiday, a ski break, or several trips a year, the right travel insurance can save you from expensive surprises abroad. CoverForYou is a UK-based online travel insurance specialist, founded in 2012, that offers single-trip, annual multi-trip, and backpacker policies, with gadget cover built in and plenty of optional extras. Here's what it covers, how the cover levels compare, and how to choose the right policy.

Key Features & Coverage Benefits

Comprehensive Medical Cover & 24/7 Assistance

At the heart of every CoverForYou policy is emergency medical cover for treatment abroad, including hospital stays, emergency repatriation to the UK, and 24/7 emergency medical assistance. Travel cover is underwritten by Inter Partner Assistance S.A., part of the AXA group, so you're backed by one of the world's largest assistance networks. COVID-19 cover is included as standard on new policies.

Gadgets, Baggage, Cancellation & Disruption

CoverForYou stands out for including gadget cover as standard, which is rare among UK travel insurers:

• Built-in gadget cover of £500 or £750 depending on your cover level, plus gadget accessories up to £150
• Extended Gadget Cover, available as an add-on with limits of £1,000, £2,000, or £3,000, ideal for laptops, cameras, and drones
• Baggage and personal belongings cover
• Cancellation and curtailment if you have to cancel or cut short your trip for a covered reason
• Travel disruption cover, with an optional extension for wider protection against missed connections and delays

Gadget cover is underwritten by Astrenska Ltd.

Pre-Existing Medical Condition Screening

If you have a pre-existing medical condition, CoverForYou offers an online medical screening during the quote process. Declaring your conditions honestly means you can get cover for them, which is essential, as undeclared conditions are one of the most common reasons claims are refused.

Easy Online Management

You can buy, manage, and make claims through your online account or the CoverForYou app, with documents available instantly.

Policy Tiers & Pricing

CoverForYou offers three cover levels for single-trip, annual, and backpacker policies. Higher tiers raise your limits for cancellation, baggage, and gadgets, and typically reduce your excess.

Tier names and exact limits can vary depending on where you buy and when. Always check the policy summary in your quote.

What Affects Your Price?

• Destination: UK, Europe, worldwide excluding the USA/Canada/Caribbean, or worldwide including them
• Trip length or annual cover
• Age of travelers
• Pre-existing medical conditions
• Add-ons, such as winter sports, cruise, extended gadget cover, or travel disruption extension

Independent reviews generally find CoverForYou's prices below the average cost of UK travel insurance, making it a strong option for price-conscious travelers.

Pros & Cons

✅ Pros

• Gadget cover included as standard, with affordable upgrades up to £3,000
• Backed by AXA's Inter Partner Assistance for travel claims and medical assistance
• Flexible policy types: single-trip, annual multi-trip, and backpacker
• Pre-existing condition screening available online
• COVID-19 cover included on new policies
• Wide range of extras: winter sports, cruise, business travel, and travel disruption
• Competitive pricing, often below the market average
• Online account and app for easy management and claims

❌ Cons

• Higher excess on the entry-level tier
• Medical conditions can significantly increase premiums
• Winter sports and cruise cover cost extra
• Limits vary between tiers, so the cheapest policy may not be enough for expensive trips
• Mainly for UK residents, and not available to most travelers living outside the UK
• Standard exclusions apply, such as alcohol-related incidents, unattended belongings, and undeclared conditions

Practical Tips for Travelers

1. Annual vs. Single-Trip Cover

• Choose single-trip if you're taking one holiday a year or a long trip.
• Choose annual multi-trip if you travel two or more times a year, as it's often cheaper overall. Check the maximum trip length per journey, often 31–45 days.
• Backpacker cover suits long gap-year or round-the-world trips that exceed annual policy limits.

2. Add Winter Sports or Cruise Cover

• Winter sports: standard policies usually don't cover skiing or snowboarding. Add winter sports cover for piste closures, ski equipment, lift passes, and mountain rescue.
• Cruise: add cruise cover for missed port departures, cabin confinement, and emergency evacuation from ships.
• Gadgets: if you travel with a laptop or camera worth more than £750, add Extended Gadget Cover.

3. Activate Your Policy at the Right Time

• Buy as soon as you book your trip. Cancellation cover only protects you from the policy start date, so if something happens before you buy, you're not covered.
• Set your annual policy start date on or before your first booking date.
• Declare all medical conditions for everyone on the policy, and update CoverForYou if your health changes before you travel.

4. Make Claims Easily

• Keep receipts for gadgets and valuables.
• Report theft or loss to local police within 24 hours and get a written report.
• Contact the 24/7 medical assistance line before arranging treatment, if possible.
• Submit your claim through your online CoverForYou account.

Conclusion: Get a Quick Quote and Protect Your Journey

CoverForYou is an excellent choice for UK travelers who want flexible, affordable travel insurance with gadget cover built in. With single-trip, annual, and backpacker options, three cover levels, pre-existing condition screening, and AXA-backed medical assistance, it covers everything from a weekend in Spain to a round-the-world adventure.

Note: Coverage, limits, and prices may change. This review is not financial advice. Always read the policy wording before purchasing.

Cedar Tree Travel Insurance Review: Premium Coverage & Reliable Protection

When you're investing in a holiday, the last thing you want is for an illness, injury, or cancellation to turn it into a financial disaster. Cedar Tree Insurance is a UK-based online travel insurance specialist, founded in 2014, that positions itself as a premium provider, offering high medical limits, generous cancellation cover, and AXA-backed policies independently rated by Defaqto. Here's what Cedar Tree covers, how its plans compare, and who it suits best.

Key Features & Coverage Benefits

High-Limit Emergency Medical Cover & Repatriation

Cedar Tree offers up to £15 million in emergency medical cover abroad, depending on your cover level. That includes:

• Emergency hospital treatment and medical assistance abroad
• Repatriation to the UK when medically necessary
• Evacuation from a cruise ship to land, if you add cruise cover
• 24/7 emergency medical assistance for when you need help fast

Policies are underwritten by the AXA group, one of the world's largest insurers, which gives Cedar Tree's premium positioning real substance.

Extended Cancellation, Curtailment & Delay Protection

If you have to cancel your trip or cut it short for a covered reason, Cedar Tree offers up to £25,000 per person, per trip in cancellation and curtailment cover, depending on your cover level and options. That's well above what many budget policies offer and is ideal for expensive long-haul holidays, cruises, and family trips.

You can also strengthen your protection with:

• Travel disruption cover for missed connections, delays, and alternative travel costs
• Scheduled Airline Failure cover if your airline goes bust
• Travel delay and missed departure benefits

Pre-Existing Conditions & Activity Add-ons

Cedar Tree offers cover for most pre-existing medical conditions, from diabetes to heart conditions and high blood pressure, through an easy online medical screening. It can even cover you while you're awaiting surgery, though not while you're under investigation or awaiting a diagnosis.

Optional extras include:

• Winter sports cover, including avalanche and piste closure
• Cruise cover
• Golf cover
• Wedding / civil partnership cover
• Business travel cover
• Gadget cover and gadget extensions

Policy Tiers & Plan Structure

Both single-trip and annual multi-trip policies come in three cover levels: Silver, Gold, and Platinum. Cedar Tree's policies are independently rated 3, 4, and 5 stars by Defaqto, so you can choose the level of protection that suits your trip and budget.

Tier names, exact limits, and excesses can vary depending on where you buy. Always check the policy summary in your quote.

Annual Multi-Trip Cover

Cedar Tree's annual policies allow trips of up to 90 days at a time, longer than many competitors. This makes them a strong choice for frequent travelers, long-stay holidaymakers, and people who spend extended time abroad.

What Affects the Price?

• Destination (Europe, worldwide excluding or including the USA)
• Trip length or annual cover
• Travelers' ages
• Declared medical conditions
• Cover level and optional add-ons

Pros & Cons

✅ Pros

• Up to £15 million emergency medical cover
• Up to £25,000 cancellation cover per person, depending on the level and options
• Backed by the AXA group
• Defaqto-rated 3, 4, and 5-star policies
• Cover for most pre-existing medical conditions, including while awaiting surgery
• Annual policies with trips of up to 90 days
• Wide range of extras: cruise, golf, winter sports, wedding, business, and gadget cover
• Strong customer feedback on verified review platforms

❌ Cons

• Premium cover costs more than basic budget policies
• No cover while you're under investigation or awaiting a diagnosis
• Age limits apply to some standard policies
• Add-ons cost extra, including winter sports, cruise, and gadget cover
• Mainly for UK residents
• Claims are handled by third-party administrators for most sections, not by Cedar Tree directly

Practical Tips for Travelers

1. Understand the Claims Procedure

• Contact the emergency assistance line first if you need medical treatment abroad. It's on your policy documents.
• Different sections may have different claims handlers. For example, gadget and airline failure claims often go to separate administrators. Check your policy wording for the correct contact.
• Keep everything: medical reports, receipts, police reports for theft (within 24 hours), and airline delay confirmations.
• Submit your claim promptly with copies of all supporting documents.

2. Single-Trip vs. Annual Policies

• Single-trip is best if you take one holiday a year or a long trip.
• Annual multi-trip usually saves money if you travel two or more times a year. Cedar Tree's 90-day trip limit is generous for long holidays.
• Buy as soon as you book, because cancellation cover starts from the policy start date.

3. Add Gadget Cover Wisely

• Add gadget cover if you travel with smartphones, tablets, laptops, or cameras.
• Check the single-item limits, and choose a gadget extension for high-value devices.
• Never leave gadgets unattended in public places or vehicles, as this is a common reason claims are refused.

4. Declare All Medical Conditions

Use the online medical screening for everyone on the policy. Undeclared conditions can invalidate your entire claim, even if the claim is unrelated.

Conclusion: Secure Premium Protection Before You Travel

Cedar Tree Travel Insurance is a strong choice for UK travelers who want premium, dependable cover for trips where the stakes are higher than a short city break. With up to £15 million medical cover, up to £25,000 cancellation cover, AXA backing, Defaqto-rated policies, and cover for most pre-existing conditions, it's well suited to long-haul trips, cruises, family holidays, and travelers with health conditions.

Note: Coverage, limits, and prices may change. This review is not financial advice. Always read the full policy wording before purchasing.