The Worldwide Trip Protector from Crum & Forster - Travel Insured International is a comprehensive trip cost protection plan. Coverages offered include Trip Cancellation and Interruption, Trip Delay, Missed Connection, Itinerary Change, Cancel for Any Reason, and Pre-Existing Conditions Waiver.
To learn more, see the Crum & Forster - Travel Insured International Worldwide Trip Protector product page.
CFAR is an optional coverage available in some plans. As you found out when you tried to report your claim, your C&F Travel Insured Worldwide Trip Protector did not include CFAR. In order to have that coverage through C&F Travel Insured, you would have had to purchase the C&F Travel Insured Worldwide Trip Protector Plus plan at a higher premium. Generally CFAR increases a policy premium from 45% to 55% depending on the plan.
Unfortunately many travelers purchasing travel insurance believe that Trip Cancellation, which allows you to cancel your trip prior to departure, is synonymous with CFAR. Trip Cancellation, which is available in only Comprehensive Coverage plans, allows you to cancel a trip for a "covered reason" as listed in each plan. These covered reasons may vary between plans and states so it is always best to review those covered reasons. Of course, the number one and two covered reasons in Comprehensive plans are usually the unexpected sickness, accidental injury or death of you, your traveling companion, and family member. However, CFAR would have allowed you to cancel your trip for "other than a covered reason".
We welcome you to call us when quoting for our assistance. We would be very happy to review your options along with the conditions of coverage.