Cancel for Any Reason Travel Insurance (CFAR)

Last updated on 03/08/2022

Cancel for Any Reason coverage offers travelers the most cancellation flexibility and is the only coverage option available to cover fear of travel. To view available plans that may have coverage for COVID-19, select the "Top Picks for COVID-19" filter under Plan Type during the quote process. You can further filter these results by selecting "Cancel for Any Reason" under coverages, if available. This benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify. Please be sure to read the plan details carefully before purchasing.


Life throws us a curveball once in a while – it’s funny like that. So when it comes to planning travel months in advance, a little extra protection can be extremely beneficial.

Cancel for Any Reason (CFAR) is an optional benefit of travel insurance coverage which offers the opportunity to cancel travel plans for reasons other than those listed as “covered reasons” on a policy. CFAR allows you to bypass that list, giving you greater flexibility and freedom when making decisions about travel reservations. You cannot purchase CFAR separately – it can only be an “add-on” benefit. It is offered as a part of certain comprehensive plan and will only be available if you meet certain criteria. If you meet all the conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Am I Eligible for Cancel for Any Reason Coverage?

Where do you reside?


Where are you traveling to?


Are you concerned about needing to cancel due to travel changes around COVID-19 restrictions?


Are you concerned about needing to cancel due to fear of contracting COVID-19?


Did you book your trip within the last 21 days?


What is the total cost of your trip?


I understand that there are eligibility requirements in order to qualify for optional Cancel for Any Reason coverage. These may be, but are not limited to, purchasing the plan within the required time sensitive period, insuring the full prepaid, non-refundable cost of the trip, and cancelling all of my travel arrangements at least 48 hours prior to departure.




Eligibility Requirements

Typically, a policy must be purchased within 10-21 days of making the initial trip payment to be eligible for CFAR benefits. Often, providers will require CFAR purchasers to insure the entire dollar amount of their travels in order to receive the coverage. Additional requirements may be stated by the providers for those interested in buying a CFAR policy. Be sure to thoroughly read and understand any and all terms before you make your purchase.

Claims Stipulations

Often, trip insurance cancel for any reason policies set parameters around when the CFAR period ends and how to notify travel suppliers in the event of a claim. 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 cancelation 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.

Travel Insurance Quote Link

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.