Cancel for Any Reason (CFAR) Travel Insurance (2024)

Cancel for any reason (also referred to as "CFAR") is an optional add-on benefit of travel insurance that lets you cancel travel plans for reasons other than those listed as "covered reasons" on a policy. So even if your reason for cancelling isn't included in your comprehensive plan, CFAR allows you to bypass that list, giving you greater flexibility when making travel decisions. It's offered as a part of certain comprehensive plans, is time-sensitive, and has other eligibility requirements. If you meet the requirements, reimbursem*nt may be up to 50% to 75% of your insured pre-paid nonrefundable trip cost.

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How is cancel for any reason travel insurance different from trip cancellation insurance?

Trip cancellation is a standard inclusion on most comprehensive travel insurance policies. It provides up to a full refund of your prepaid, nonrefundable costs if you need to cancel a trip for a specific, unforeseen covered reason. Common travel insurance plans will cover reasons such as a death in the family, common carrier-related issues, or an unforeseen natural disaster. Covered reasons do vary by plan, so be sure to review the details of your policy carefully. Unlike trip cancellation coverage, the optional travel insurance cancel for any reason benefit (CFAR) offers partial reimbursem*nt on prepaid, nonrefundable costs if you cancel for any reason, even those not typically covered by your comprehensive travel insurance policy.

With Progressive travel insurance through InsureMyTrip, cancel for any reason coverage is time-sensitive and is usually only available within 10 to 21 days of your initial trip deposit. Depending on the plan, cancellation with your travel supplier must occur at least 48 to 72 hours before your trip — the required timeframes vary by policy. Trip cancellation coverage included with your comprehensive policy may reimburse you up to 100% of prepaid, nonrefundable costs for which you are insured, but covered reasons for cancellation are limited. CFAR may reimburse you for 50% to 75% of prepaid nonrefundable trip costs, depending on the plan you choose, when you cancel for a reason not covered by your policy.

The optional cancel for any reason travel insurance benefit may be purchased as an add-on to certain comprehensive travel insurance policies. Usually, this benefit is an additional charge on the plan, but it comes with extended coverage that you may find worthwhile. Learn more about how travel insurance works.

What's covered by cancel for any reason?

You can use the cancel for any reason to cover flight and trip costs that are prepaid, nonrefundable, and not already included as a "covered reason" under trip cancellation coverage in your comprehensive travel insurance plan. When purchasing CFAR, you must insure 100% of your pre-paid nonrefundable trip costs. There are eligibility requirements, so not all travelers will qualify. If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted. Times that CFAR travel insurance coverage may come in handy include:

  • You don't feel comfortable traveling due to COVID-19 cases or quarantine recommendations.
  • Your new passport didn't arrive on time.
  • You have safety concerns about your destination. For example, wildfires, political unrest in the country you're visiting, or a forecasted hurricane. Unless one of these issues makes the destination uninhabitable, regular trip cancellation won't cover it.
  • A family or work obligation prevents you from taking the trip.
  • Your travel companion can no longer make the trip, and you don't want to travel alone.
  • Your flight or itinerary was changed, and you don't love the new plan.
  • You have a pre-existing condition that impedes your ability to travel. Basic trip cancellation coverage typically protects you in the case of unforeseen illness or injury, but anything related to a pre-existing condition is typically excluded.
  • You're starting a new job and you can no longer take the trip.
  • Travel guidelines for your destination changed, and it's recommended to not travel there.

Are there limits or exclusions to CFAR insurance coverage?

Each insurance policy is unique, so be sure to read through the specifics when adding cancel for any reason coverage to your travel insurance policy. While the timeframes may vary slightly, the following guidelines apply to InsureMyTrip's CFAR coverage:

  • Time limit to purchase: Typically, a policy must be purchased within 10-21 days of making the initial trip payment to be eligible for CFAR benefits.
  • Time limit to redeem: Many CFAR policies mandate that you must cancel your plans and notify any and all travel suppliers at least 48 hours prior to your scheduled departure. Some travel insurance companies have a requirement of cancellation no less than 72 hours before departure. Beyond that window, any cancellation you make must be made for a stated "covered reason" under your policy details.
  • Coverage amount: Most policies require travelers to insure 100% of their pre-paid, nonrefundable trip cost in order to be eligible for cancel for any reason. If you only want to insure certain aspects of your vacation but not all of it, you may not qualify for CFAR.
  • Refund amount: Many CFAR plans offer a 75% refund on prepaid and nonrefundable expenses, while some only pay back 50%.

How to get CFAR travel insurance

Online

Browse travel insurance plans that cater to your itinerary, and then choose your coverages and start date.

Talk to a rep

Call 1-844-276-1214 to speak with a licensed travel representative about the options for your particular itinerary and needs.

Cancel for Any Reason (CFAR) Travel Insurance (2)

Get a trip insurance quote online or call for expert advice

  • Or, call 1-844-276-1214

Learn more about travel insurance policies.

Cancel for Any Reason (CFAR) Travel Insurance (3)

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Cancel for Any Reason (CFAR) Travel Insurance (2024)

FAQs

What does "cancel for any reason" mean in travel insurance? ›

Cancel for any reason (also referred to as "CFAR") is an optional add-on benefit of travel insurance that lets you cancel travel plans for reasons other than those listed as "covered reasons" on a policy.

Is cancel for any reason coverage worth it? ›

Most basic travel insurance policies only cover cancellations under certain circ*mstances. Cancel For Any Reason add-ons let you do just that, but they can be pricey. It might make sense if you have uncertain plans and can't book refundable tickets or fares.

What qualifies for trip cancellation insurance? ›

This type of plan can reimburse you if your trip is cancelled or interrupted for a covered reason. Some examples of covered reasons could be: Sickness, injury, death, or quarantine of a member of your travel party.

What are valid medical reasons for flight cancellation? ›

A Physician must advise to cancel the Trip on or before the Scheduled Departure Date. 2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

What does cancel for any reason mean? ›

“Cancel for any reason” travel insurance allows you to cancel your trip for any reason up to two days prior to your scheduled departure. Depending on your plan, you'll be reimbursed up to 50% or 75% of the insured prepaid, nonrefundable trip cost.

What is not covered by trip cancellation insurance? ›

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

Does Allianz travel insurance have canceled for any reason? ›

We don't sell CFAR travel insurance. Instead, we offer protection we think is even better: the Cancel Anytime upgrade. Cancel Anytime reimburses 80% of your prepaid, non-refundable trip costs if you cancel your trip for almost any unforeseeable reason your plan does not already cover.

What does CFAR insurance cost? ›

Regular travel insurance costs between 5% and 6% of your total trip cost. In our review, we found the average CFAR upgrade added 90% of the standard premium cost to your total insurance price. This means that in most cases, you can expect your premium to double when you upgrade to CFAR insurance.

Is travel insurance better than free cancellation? ›

Travel protection focuses primarily on trip cancellation and gives limited protection for unforeseen circ*mstances that may cause you to cancel or interrupt your trip. Travel insurance supplies broader coverage, protecting against a wider range of possible financial losses during your travels.

What is the difference between trip cancellation and cancel for any reason? ›

Eligibility: Trip Cancellation can be purchased at any point up until the day before a traveler leaves for their trip. On the other hand, Cancel For Any Reason is a time-sensitive benefit that must be purchased within 14-21 days of the traveler's initial trip deposit date.

Does travel insurance cover if you decide to cancel? ›

Can I cancel my flight with travel insurance? In many cases, yes, you can cancel your flight and be reimbursed if you have an eligible reason for canceling. You may not cancel the flight because you've changed your mind. You must have a valid reason that is detailed in your travel insurance policy.

What is not covered by Allianz travel insurance? ›

Travel insurance does not cover losses that arise from expected or reasonably foreseeable events or problems. In general, you could not reasonably foresee crashing your car, catching the flu or falling off a camel.

Do you have to prove illness for travel insurance? ›

Regardless, if you feel too sick to travel it's important to have your opinion confirmed and your diagnosis documented by a doctor. Medical documentation will be required if you're looking to be reimbursed for your non-refundable trip costs if you have to cancel your trip.

What are the types of cancellation reasons? ›

Cancellation Reason Types
  • Decline by screening.
  • Withdrawal.
  • Insured death.
  • Closed by Claim.
  • Cancelled by client.
  • Cancelled.

Can I cancel a flight due to mental health? ›

Cancellation is likely to be covered under travel insurance if a medical professional deems you unfit to travel owing to your anxiety and in circ*mstances such as an unexpected medical emergency occurring that stops you from travelling.

Can you get a refund on travel insurance if you cancel your trip? ›

If your travel insurance policy has a money-back guarantee or review period, you can cancel for any reason and receive a full refund within the timeframe if you haven't filed a claim or departed for your trip yet. But you won't get a premium refund if you cancel your policy after the review period.

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