Cancel for Any Reason (CFAR)
Cancel for Any Reason (CFAR) coverage provides the ultimate flexibility for travelers who want peace of mind when booking trips. Unlike standard trip cancellation policies that only cover specific circumstances like illness or severe weather, CFAR coverage lets you cancel your trip for virtually any reason and recover 50–75% of your nonrefundable costs. With 10% of travel insurance policies purchased now including CFAR coverage, this optional upgrade has become increasingly popular among travelers seeking maximum trip protection. This guide will help you understand how CFAR works, compare top providers, and choose the right coverage for your needs.
What Is Cancel for Any Reason Travel Insurance?
Cancel for Any Reason (CFAR) is actually not insurance; it’s an optional upgrade that lets you cancel your trip for any reason, offering reimbursement for a percentage of your nonrefundable costs if you cancel at least 48 hours before departure. This coverage fills a critical gap left by standard trip cancellation policies, which typically only cover specific scenarios like medical emergencies, severe weather, or job loss.
The growing importance of CFAR reflects changing travel patterns and increased uncertainty. In September 2025, 10% of travel insurance policies purchased include Cancel for Any Reason coverage, the highest yearly percentage so far. This surge demonstrates that travelers increasingly value flexibility over traditional coverage limitations.
CFAR is particularly valuable for travelers who may need to cancel for personal reasons, work conflicts, or general anxiety about travel conditions that wouldn’t qualify under standard policies. While it costs more than basic coverage, it provides unmatched peace of mind for significant travel investments.
How Cancel for Any Reason Coverage Works
CFAR coverage operates under specific rules that travelers must follow to receive benefits. The process requires careful timing and documentation but offers straightforward protection when used correctly.
To use CFAR coverage, you must cancel at least 48 hours before your scheduled departure and claim reimbursement for nonrefundable, prepaid expenses. Here’s how the process typically works:
- Purchase a CFAR-eligible travel insurance policy within the required timeframe.
- Insure your entire nonrefundable trip cost to maintain eligibility.
- Cancel for any reason at least 48 hours before departure.
- Submit a claim with supporting documentation of your prepaid expenses.
- Receive reimbursement for the covered percentage of eligible costs.
Nonrefundable trip costs include prepaid travel expenses that cannot be recovered if you cancel, such as airline tickets, hotel deposits, cruise fares, tour packages, and rental car reservations. These must be paid for before your trip and documented with receipts for successful claims processing.
Key Features to Compare in CFAR
When evaluating CFAR, determine the value and effectiveness of your coverage. Understanding these differences helps you choose the plan that best matches your travel needs and risk tolerance.
CFAR typically reimburses 50% – 75% of eligible trip costs, with the exact percentage varying by provider and plan level. Here are the essential comparison points:
Reimbursement Percentage
- Standard CFAR: 50% of nonrefundable costs
- Premium CFAR: 75% of nonrefundable costs
Coverage Exclusions
- Refundable expenses are never covered
- Trips paid entirely with points or miles may be excluded
- Certain high-risk destinations might have restrictions
- CFAR may not be available in all states due to insurance regulations
Eligibility Requirements
- Must be purchased as an upgrade to comprehensive coverage
- Required purchase within 14–21 days of initial trip payment
- Full trip cost must be insured for maximum benefits
Pricing and Cost Considerations for CFAR Insurance
Understanding CFAR pricing helps you budget effectively and evaluate whether the additional cost justifies the enhanced flexibility. Several factors influence your premium, making it important to compare options carefully.
The average cost for a comprehensive travel insurance plan is 4%–10% of total trip cost, and adding CFAR typically increases the price by 40%–50%. This means a $5,000 trip might cost $250–$300 for basic comprehensive coverage, with CFAR adding another $100–$150.
Factors Affecting CFAR Costs
- Total trip value: Higher trip costs result in higher premiums
- Traveler age: Older travelers typically pay more for all coverage types
- Trip length: Longer trips increase risk and premium costs
- Destination: Some locations carry higher risk ratings
- Nonrefundable percentage: More nonrefundable costs increase potential claims
Sample CFAR Pricing Examples
| Trip Value | Traveler Age | Basic Premium | CFAR Add-On | Total Cost |
|---|---|---|---|---|
| $3,000 | 35 | $180 | $75 | $255 |
| $7,500 | 45 | $450 | $180 | $630 |
| $12,000 | 55 | $840 | $350 | $1,190 |
While CFAR increases your upfront costs, it can provide significant value if you need to cancel. A 75% reimbursement on a $10,000 trip saves you $7,500, far exceeding the additional premium cost.
Eligibility and Purchase Requirements for CFAR Coverage
CFAR coverage comes with strict eligibility requirements that you must meet to maintain your benefits. Understanding these rules prevents disappointment and ensures your coverage remains valid when needed.
CFAR coverage must be purchased within 14 to 21 days of your initial trip payment to be valid. This early purchase requirement protects insurers from adverse selection while encouraging travelers to buy coverage when booking trips.
Essential Eligibility Requirements
- Early purchase window: Buy within 14–21 days of first trip payment
- Full trip cost coverage: Must insure 100% of prepaid, nonrefundable expenses
- Comprehensive plan base: CFAR only available as an upgrade to comprehensive coverage
- State availability: Verify CFAR is available in your state of residence
- Age restrictions: Some providers have maximum age limits for CFAR
Purchase Timeline Example
- Day 1: Book a $5,000 cruise with a $500 deposit.
- Day 15: Purchase travel insurance with CFAR (still eligible).
- Day 22: Attempt to add CFAR (too late, ineligible).
Missing the purchase deadline means you cannot add CFAR coverage later, regardless of circumstances. Planning ahead and buying coverage early protects your eligibility and ensures maximum flexibility.
Important Limitations and Exclusions of CFAR Options
While CFAR provides broad coverage, understanding its limitations prevents surprises and helps set realistic expectations. These exclusions protect insurers while defining the scope of your benefits.
CFAR is not eligible on all plans or in every state due to insurance regulations. State insurance departments regulate coverage availability, creating geographic limitations that affect some travelers.
Common CFAR Exclusions
- Refundable expenses: Only nonrefundable costs qualify for reimbursement
- Points and miles trips: Trips using rewards points may be excluded
- Partial refunds: If you receive any refund from suppliers, CFAR benefits may be reduced
- Late cancellation: Must cancel at least 48 hours before departure
State Availability Restrictions
- New York and Washington have limited availability depending on the provider
- Other states: Check specific provider availability
Documentation Requirements
- Original receipts for all claimed expenses
- Proof of nonrefundable status
- Cancellation notices from travel suppliers
- Completed claim forms within specified timeframes
Understanding these limitations helps you plan appropriately and consider additional coverage options where CFAR falls short.
How to Choose the Best CFAR for Your Trip
Selecting the right CFAR coverage requires evaluating your specific travel situation, risk tolerance, and coverage priorities. Following a systematic approach ensures you get the protection that best matches your needs.
Step-by-Step Selection Process
- Calculate total prepaid, nonrefundable expenses including flights, hotels, tours, and other bookings.
- Use InsureMyTrip’s platform to compare CFAR-eligible policies from multiple providers.
- Filter by coverage preferences including reimbursement percentage, claim deadlines, and eligibility requirements.
- Read verified customer reviews to understand real-world experiences with each provider.
- Consult with InsureMyTrip’s licensed experts for personalized, unbiased advice on your specific situation.
Key Decision Factors
- Trip investment size: Higher-value trips benefit more from 75% reimbursement plans.
- Flexibility needs: Consider how likely you are to need to cancel.
- Risk tolerance: Balance premium costs against potential cancellation scenarios.
- Travel frequency: Regular travelers might prefer consistent provider relationships.
Questions to Ask Yourself
- What percentage of my trip costs are truly nonrefundable?
- How important is maximum flexibility versus cost savings?
- Do I have other reasons I might need to cancel that standard coverage would handle?
- Am I comfortable with 50% reimbursement, or do I need 75%?
For expert guidance tailored to your specific trip, InsureMyTrip’s comparison tools and licensed agents provide unbiased advice to help you make informed decisions.
Tips for Filing a Cancel for Any Reason Claim Successfully
Maximizing your CFAR claim success requires careful attention to timing, documentation, and communication with your insurer. Following best practices minimizes delays and reduces the risk of claim denial.
Essential Claim Success Strategies:
Timing Requirements
- Cancel with your travel suppliers at least 48 hours before scheduled departure.
- Notify all travel providers immediately after deciding to cancel.
- Submit your insurance claim promptly after cancellation.
- Respond quickly to any insurer requests for additional information.
Documentation Best Practices
- Save all receipts and documentation of prepaid, nonrefundable trip expenses.
- Keep records of cancellation attempts with travel suppliers.
- Photograph or scan all relevant documents before traveling.
- Maintain organized files for easy claim submission.
Claim Submission Checklist
- Completed claim form with accurate information
- Original receipts for all nonrefundable expenses
- Proof of trip cancellation with suppliers
- Documentation showing nonrefundable status of expenses
- Any correspondence with travel providers about refunds
Communication Tips
- Contact your insurer’s claims department immediately upon deciding to cancel.
- Keep detailed records of all conversations with claims representatives.
- Follow up promptly on any requests for additional documentation.
- Maintain professional, factual communication throughout the process.
Remember that CFAR claims are generally more straightforward than traditional trip cancellation claims since you don’t need to prove a covered reason for cancellation. However, proper documentation and timing remain critical for successful reimbursement.
Frequently Asked Questions
What percentage of my trip cost will CFAR insurance reimburse?
Most Cancel for Any Reason options reimburse 50%–75% of your nonrefundable, prepaid trip costs when you cancel at least 48 hours before departure. The exact percentage depends on your specific plan and provider, with premium options typically offering 75% reimbursement while standard CFAR plans provide 50%.
When should I purchase Cancel for Any Reason coverage?
You generally need to buy CFAR coverage within 14–21 days of making your first trip payment to be eligible. This early purchase requirement is standard across the industry and cannot be waived later, so it’s essential to add CFAR when initially booking your travel insurance.
Who is eligible to add CFAR coverage to a travel insurance plan?
Eligibility usually requires insuring the entire nonrefundable cost of your trip, purchasing a comprehensive policy as the base coverage, and buying CFAR within the specified timeframe after your first trip deposit. You must also reside in a state where CFAR coverage is available.
What reasons are not covered by standard trip cancellation but covered by CFAR?
Standard cancellation policies exclude changes of mind, fear of travel, work conflicts that don’t meet specific criteria, family emergencies that don’t qualify as covered reasons, or general anxiety about travel conditions. CFAR lets you cancel for virtually any reason not otherwise covered, providing maximum flexibility for personal circumstances.
Is Cancel for Any Reason worth the additional cost?
CFAR insurance is worth considering if you want maximum flexibility for trip changes or are protecting a significant investment in nonrefundable travel arrangements. The 40%–50% premium increase typically pays for itself, especially on higher-value trips where 75% reimbursement can save thousands of dollars.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
Question
Hi! I'm planning a trip to the Philippines on Oct 11 to Nov. 3, 2018. I want to do a side trip to Japan from Oct 16 to 21, 2018 and return back to the Philippines. Will I be covered in 1 comprehensive Travel insurance or do I have to purchase a separate one for Japan? Will I be covered on local airlines as well? Thanks
By Susan - March 22, 2018
Answer
You can insure your entire trip from the time you leave home until the time you return to your home with one policy. We only ask to list one destination on the form. As long as your airfare is prepaid and non-refundable, you can insure the cost of the airfare as well.
By MattG - March 24, 2018
Question
I want to plan a cruise for Spring Break 2020. Our school district won't release the actual dates for Spring Break 2020 until probably March 2019. If I booked the cruise today (5/17/18) and the week I booked did not coincide with the school, would the CFAR cover what I had paid on the cruise?
By Marci - May 17, 2018
Answer
Yes, you can literally cancel for any reason whatsoever with this benefit, as long as you qualify. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
By MattG - May 19, 2018
Question
Can I cancel for Coronavirus?
By PeterR - March 7, 2020
Answer
Standard comprehensive travel insurance policies do not cover fear of travel. If fear of travel is the main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.
By Meghan - March 9, 2020
Question
Hi. I’m purchasing 8 tickets for flights to Bahamas from ny for August. 5 are for my own family. 3 are for friends. I’m concerned about needing to cancel due to corona virus. Even if it’s just my own fear. Please advise...
By Liz - March 7, 2020
Answer
Standard comprehensive travel insurance policies do not cover fear of travel. If fear of travel is the main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.
By Meghan - March 10, 2020
Question
I am traveling to Russia in August /September 2020 and have paid the full amount already on 17 January. I would like an insurance policy that I can cancel for any reason especially if Australia bans travel to that country; or a world wide pandemic is called; or because I need to without reason. Would you answer all three questions and tell me if I get a policy that has "cancel for any reason" it will include the coronavirus.
By Robyn - March 7, 2020
Answer
Cancel For Any Reason is an option on some comprehensive travel insurance plans, which are only available to residents of the US. For those that reside in the US (in most states), Cancel for Any Reason is a time sensitive option, meaning that it must be typically be purchased within 10-21 days after making the initial payment/deposit for your trip. There are other eligibility requirements, such as having to insure the full pre-paid non-refundable cost of your trip and canceling your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased.Since coronavirus is a known event, Cancel For Any Reason would be the only option to cancel your trip for reasons such as travel bans, pandemics, and general fear of travel and be reimbursed a portion of your trip cost.
By Meghan - March 10, 2020
Question
Will this cover the coronavirus spread?
By TerenceH - March 10, 2020
Answer
We do understand your concern as news of Coronavirus develops daily. It is recommended that you contact your travel agent and/or travel suppliers to see if they are offering the ability to cancel and receive a refund or rebook travel to a later date. Generally, travel insurance does not cover trip cancellation due fear of travel. Also, since travel warnings are now foreseen, coverage would not be available to cancel your trip due to your destination being inaccessible because of Coronavirus. The only way to have any coverage to cancel your trip, would be to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.
By Meghan - March 11, 2020
Question
Is your company Travel Insured approved for NYS Coverage for any reason travel insurance? Whether/not, how does it work when you are seeking coverage for an individual (soon to be 18 year old son) but paying a high school for a group trip? Are documents needed from the school like group payment receipts for their payments made for air/hotel/etc or do we need receipts from the school for our payments?
By Libby - March 12, 2020
Answer
We are aware of the press release quoting the Governor of New York's statement about offering Cancel For Any Reason coverage to residents of NY. Although it did mention some companies that offer plans on our site, InsureMyTrip.com, we have not received any new products at this time. Currently, standard comprehensive travel insurance plans (without Cancel For Any Reason) are available to residents of NY, but cancellation of your trip would need to be due to one of the covered reasons listed in the policy. Fear of travel and travel warnings are not covered reasons for cancelling a trip. Also, because Coronavirus is now a known event, related issues are not likely to be covered. It is important to read the policy document to be aware of what is covered and what may be excluded. You can quote plans on InsureMyTrip.com by entering some simple information such as your destination, travel dates, residence, citizenship, age, trip cost. More in-depth information would be needed at the time of a claim. If your concerns focus around cancellation due to Coronavirus related issues, it may also be a good idea to reach out to travel suppliers/hotels to see if any refunds are being offered.
By Meghan - March 13, 2020
Question
I bought Wimbledon tickets in December. Can I insure those? Event is July 4th
By Cory - March 12, 2020
Answer
Event tickets are insurable if they are prepaid and non-refundable prior to departure. You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By MattG - March 16, 2020
Question
I am planning a trip in Feb 2021 to Florida for my family. I would like to insure the entire trip with comprehensive policy. However I will be booking the lodging this week, and plane tickets at a later date as well as car and Disney tickets. Can I get the insurance now for just the lodging and add other expenses as I schedule and purchase them?
By Emily - April 14, 2020
Answer
Yes, you can purchase a policy now and insure the amount that you have currently paid toward your trip. If you are looking to purchase a plan that offers optional Cancel For Any Reason or any other time sensitive benefits, you want to make sure that you insure any subsequent payments right as you make them so you do not risk becoming ineligible for those benefits. It is important to read your policy as it will list the time-frame required to insure your initial deposit/payment and any subsequent payments (as well as any other requirements) to be eligible for time sensitive benefits.
By Meghan - April 21, 2020
Question
I plan to buy flights for May 2021. If the pandemic is a problem then at my destination (i.e. Hawaii requires any visitor to enter 14 day quarantine and I dont want to spend a vacation in quarantine), will cancel for any reason insurance cover my airfare should I choose not to fly?
By ScottJ - May 8, 2020
Answer
In this instance, you would want to look at a policy with optional Cancel For Any Reason protection selected as fear of quarantine is not a covered reason to cancel a trip on any standard comprehensive travel insurance plan. You would want to insure your flights and any other prepaid, non-refundable expenses that you may be paying prior to departure. There are some eligibility requirements for Cancel For Any Reason protection, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason selected can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. If you would like assistance finding a plan that best fits your needs, you can call our Customer Care department at 800-487-4722 to speak with a licensed travel insurance representative.
By Meghan - May 12, 2020
Question
I booked and paid for flight package in March 2020. Can i purchase a CFAR policy today January 2021?
By MichaelB - January 11, 2021
Answer
Unfortunately, Cancel for Any Reason is a time sensitive benefit and must be purchased within 10-21 days from the initial trip payment date. If your initial trip payment date was more than 21 days ago, in this case it being back in March of 2020, this benefit will no longer be available.
By MattG - January 13, 2021
Question
I have a trip to Israel in April for the 16-27 which may get postponed to September. If I bought insurance now but the trip got postponed until Sept would it still be effective?
By BarbarL - January 20, 2021
Answer
If you are insuring a trip and it gets cancelled or postponed, you can request to have the policy cover you on your rescheduled trip. To request an exception to transfer the policy to cover you on a new trip, please click on “Contact Us” in the upper right-hand corner of our website. From there, you will see a blue box with two “Click here” options. You would want to click on the SECOND option: “Click here to complete the Policy Change Request Form” Please answer each prompt and any documents requested you must upload using the form.
By MattG - January 20, 2021
Question
Is there any cancel for any reason policy that you can get in NY?
By Jan - April 12, 2021
Answer
Unfortunately, we do not have any policies that include "Cancel for Any Reason" for New York residents at this time.
By MattG - April 14, 2021
Question
My son just graduated and doesn’t have a job yet. He will be coming to England with us. If he gets a job can we use insurance to get the money back ?
By Erika - April 26, 2021
Answer
This is not a covered reason to cancel the trip with Trip Cancellation. For this concern, you will need a policy that has "cancel for any reason". There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. Please do not hesitate to call us for assistance with a quote over the telephone.
By MattG - April 27, 2021
Question
Is there any way to purchase travel insurance for international airline expense? Airline tickets were purchased in December of 2020 for a trip scheduled for October 2021. The airline tickets have been paid in full, while the land tour has only required a $200 deposit to date. That final payment is due in August 2021.
By StuartE - June 3, 2021
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By MattG - June 5, 2021
Question
What if my expedited passport doesn’t come in time before the flight?
By KristaL - June 6, 2021
Answer
This isn't something that is covered with Trip Cancellation. You would need "Cancel for Any Reason" for this concern. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
By MattG - June 7, 2021
Question
Hello- If I purchase CFAR insurance will it cover pet illness or death?
By Mary - December 18, 2021
Answer
Yes, with "cancel for any reason" you can literally cancel the trip for any reason whatsoever, as long as you qualify. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
By MattG - December 20, 2021
Question
Does CFAR cover changing your mind in general?
By WayneT - January 29, 2022
Answer
Yes, you can literally cancel for any reason whatsoever with this benefit. This can include simply changing your mind and deciding not to take the trip anymore. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
By MattG - February 1, 2022
Question
What if someone dies before travel?
By Penny - September 18, 2022
Answer
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. This applies to non-traveling family members as well. Trip Cancellation reimburses 100%.
By MattG - September 21, 2022
Question
We are 2 couples living in 2 different U.S. states & we have just put a deposit down on a chartered French barge cruise. Will all of us be covered if one of our party needs to cancel due to illness, injury or death of themselves or their covered family members? And if it does, does this mean we 4 would need to purchase one policy together at the same time?
By LisaS - February 5, 2023
Answer
If you live in different states or travel on different dates, you will need separate policies. You are all still covered if one traveler has to cancel for a covered reason, the same as you would be if you were all listed on the same policy together. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.
By MattG - February 7, 2023
Question
If I cancel the whole trip and do not go, can I receive a refund back of the premium I paid? Is there a time frame in which I need to make this request? Do I need to call to make the request?
By KathyV - April 11, 2023
Answer
The policy can only be cancelled within the 10-15 day review period from when the policy was purchased. The review period will be listed on each quote on our website and in the policy certificate. Any requests that are submitted outside of the review period are considered an exception and viewed on a case by case basis.
By MattG - April 11, 2023
Question
Am I able to make a claim if there is an algae bloom at the lake cabin I’m renting and the water is unsafe?
By Sarah T - July 27, 2023
Answer
This is not something specifically covered with Trip Cancellation or Trip Interruption, unfortunately. We can suggest looking into "Cancel for Any Reason" and "Interruption for Any Reason". These are time sensitive benefits though, please keep in mind. best time to purchaseYou can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By MattG - August 3, 2023
Question
Are there comprehensive annual travel insurance plans that cover the financial default of the operator (i.e. cruise line)?
By Lorraine - June 6, 2024
Answer
Unfortunately, we do not offer any annual comprehensive policies. We do provide annual medical policies for trips that take place outside of your home country. Typically, each trip cannot be longer than 70 days, depending on the policy.
By MatthewG - June 13, 2024
Question
One roundtrip airline ticket from Newark to Paris was bought early in 2024. The second ticket was bought last week. We are booking both round trip flights from New Orleans to Newark today as well as hotel in Paris. Can we buy cancel for any reason insurance? Or does buying the first ticket months ago (and changing the date recently) prevent that?
By Millie - August 20, 2024
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. If the initial trip payment date was more than 21 days ago, cancel for any reason will not be available, unfortunately.
By MatthewG - August 20, 2024