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


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)


Does travel insurance allow you to 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.

What is the CFAR policy for travel insurance? ›

A travel insurance policy with CFAR partially reimburses your insured trip costs if you cancel for reasons not listed in the policy. When shopping for the best travel insurance you'll want to look for optional upgrades—such as CFAR—so you can expand the scope of coverage and get the most flexibility from your benefits.

How much extra is cancel for any reason travel insurance? ›

CFAR coverage is sold as an optional add-on to a comprehensive travel insurance policy. Expect to pay another 3% of your trip cost to get this coverage. CFAR typically covers up to 75% of nonrefundable expenses.

Does Allianz travel insurance offer cancel for any reason? ›

The Cancel Anytime upgrade, available with certain plans, 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 qualifies for trip cancellation insurance? ›

Sickness, injury, death, or quarantine of a member of your travel party. A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory. Loss or damage to your baggage and personal effects due to theft, burglary, fire, or transportation hazards.

What is a valid reason to cancel an insurance policy? ›

Reasons to consider canceling your insurance policy:

You believe you're paying too much for insurance. Your business has changed, and you need different coverage. You're moving out of state, and your current insurer doesn't offer policies in your new location. You're unhappy with the service your insurer provides.

What is not covered by travel insurance? ›

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

Does travel insurance protect against cancellation? ›

Cancellation cover is often included in a standard travel insurance policy and protects you financially if your holiday can't go ahead. You typically get a lump sum paid back from your travel insurer if you have to abandon your trip.

How does cancellation work on travel insurance? ›

Cancellation generally covers you for the cost of cancelled flights, hotels, visas, tours/excursions, paid-for activities or sports, and prepaid meals, less applicable excess. This is all assuming that the expenses cannot reasonably be recovered from any source.

Is canceling for any reason insurance expensive? ›

How much does “cancel for any reason” travel insurance cost? Depending on the plan, adding CFAR to a comprehensive travel insurance policy — which typically costs 4% to 10% of your trip costs — can add another 40% to 60% of the base policy cost, said Megan Walch, product manager at InsureMyTrip.

How much does CFAR cost? ›

The average quoted cost of a cancel for any reason (CFAR) travel insurance policy across eight top travel insurance companies is about $223 for a 28-year-old taking a $3,500 trip. However, costs vary depending on your age and the total cost of the trip you're looking to cover.

Does cancel for any reason cover war? ›

Cancel for Any Reason

If your travel insurance policy is vague or lacks coverage for acts of war, you might consider purchasing an optional CFAR upgrade when purchasing your policy. A CFAR policy allows you to call off your trip for any reason, including fear of war or an act of war.

Who offers CFAR travel insurance? ›

Top companies at a glance
Overall CFAR scoreCFAR reimbursem*nt
Travel Insured Worldwide Trip Protector4.975% of trip costs
Seven Corners RoundTrip Choice4.975% of trip costs
Trawick International Safe Travels First Class475% of trip costs
WorldTrips Atlas Journey Preferred3.950% of trip costs
4 more rows
7 days ago

What is not covered by Allianz travel 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.)

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.

Can I cancel a trip with travel insurance? ›

Cancellation cover is often included in a standard travel insurance policy and protects you financially if your holiday can't go ahead. You typically get a lump sum paid back from your travel insurer if you have to abandon your trip.

Does Travelers insurance cover cancellation? ›

Benefits can include trip cancellation, medical expenses, and coverage for baggage and personal effects.

Can I get a full refund with travel insurance? ›

Most policies will grant a refund if you cancel within the policy review period, typically 10-15 days from purchase.

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