I have a question about this subject!

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?
- Marci,
05/17/2018

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.
- MattG,
Customer Care insureMyTrip
05/19/2018

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
- Susan,
03/22/2018

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.
- MattG,
Customer Care insureMyTrip
03/24/2018

Question:


I booked a cruise back in Aug 2017 traveling Jan 2018 is it to late to get insurance if we have to cancel later and what if not what type of insurance can we get? What will it cover?
- francesA,
12/26/2017

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 10-30 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. The number one covered reason for Trip Cancellation and Trip Interruption (which is not time sensitive) 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. 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.
- MattG,
Customer Care insureMyTrip
12/27/2017

Question:


I purchased a flight a few days ago for a trip in November. The flight is leaving in the early evening after my normal work hours. Yesterday I was asked to cover some out-of-town work (about 100 miles away) the same week of my trip. There would be no way for me to get to back to my home airport in time to make my flight. Would this be covered under CFAR (Cancel For Any Reason)?
- RebekahL,
09/27/2017

Answer:


Yes, with "Cancel for Any Reason", you can literally cancel for any reason whatsoever, as long as you qualify for that benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
- MattG,
Customer Care insureMyTrip
09/28/2017

Question:


I am in charge of a High School Senior trip to Disney. I would like to know if insurance can be purchased by the parents for sports related reasons. In the past, we have ran into sports championships coinciding with the Disney trip and students choose to go to the championship. Is there insurance they could purchase in the event that their team makes the championships and they cannot attend the trip?
- Lu AnneN,
09/19/2017

Answer:


For this concern, you would need a policy that has "cancel for any reason". There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. To view policies that offer this benefit, please select the "cancel for any reason" filter on the quote results page.
- MattG,
Customer Care insureMyTrip
09/20/2017

Question:


I am about to buy airline tickets to Miami Beach traveling November 1-5. If Hurricane Irma destroys the hotel and it closes, can i get trip insurance to cover the airfare?
- PamelaP,
09/07/2017

Answer:


Since this is considered foreseen, this scenario wouldn't be covered with Trip Cancellation. You would need "Cancel for Any Reason" for this concern. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. To view policies that offer this benefit, please select the "cancel for any reason" filter on the quote results page after you have filled out the quote form on our home page.
- MattG,
Customer Care insureMyTrip
09/07/2017

Question:


My significant other and I will be traveling to Ireland in about 3 months. What protection would we need if we had to return to the US unexpectedly because of the death of one of our parents or if we were delayed from going because of the death of a parent. I am slightly confused over the difference between cancellation and interruption overages. Thank you.
- Sarah,
06/19/2017

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. 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. Cancellation is pre-departure and Interruption is post departure. If you had to return home early for a covered reason, you are reimbursed the unused portion of the trip cost, and with most policies, they will also help you out up to a specified amount for any last minute expenses you might incur when returning home early.
- MattG,
Customer Care insureMyTrip
06/19/2017

Question:


I have a trip planned for Oct 2017with initial payments made in Dec 2016. I have older parents and need to know if trip cancellation applies if one of them gets hospitalized or dies right before/during my trip. I want peace of mind in the event something should happen close to making/during the trip.
- diane,
06/09/2017

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. 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. This applies to all comprehensive plans. If you had to cancel for a covered reason, you are reimbursed 100% of your Trip Cost.
- MattG,
Customer Care insureMyTrip
06/10/2017

Question:


We are taking a morning flight from NY to Miami for a cruise. If the flight gets delayed for whatever reason and we missed the cruise, will we get reimbursed in full?
- Jason,
06/09/2017

Answer:


You would only be covered to cancel the trip if you are delayed due to inclement weather for the specified amount of hours listed in the policy certificate. Please click on the amount listed below Trip Cancellation when viewing quotes to see all of the reasons that are covered if you had to cancel your trip. Trip Cancellation reimburses 100%, please keep in mind.
- MattG,
Customer Care insureMyTrip
06/10/2017

Question:


I'm off on a 5 week tour around central and north america in summer. I booked the original flight to out months ago, within the past week I've booked a series of other flights and accommodation but have become concerned in case, for any reason, I have to cut the trip short. Would CFAR cover me for these more recently booked flights/hotels?
- David,
05/21/2017

Answer:


Unfortunately, no. This benefit requires purchase within the 10-21 days form the very first time money is spent towards the trip. If this was done months ago, this benefit will not be available at this time.
- MattG,
Customer Care insureMyTrip
05/23/2017

Question:


I need to assure that if either my husband or my dog becomes extremely ill - I can get home to care for them. What type of insurance would be best?
- Deb,
05/19/2017

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. 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. This applies to all comprehensive plans. For the concern regarding your pet, you would need Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
- MattG,
Customer Care insureMyTrip
05/20/2017

Question:


I am planning a trip to Australia. I hired a travel consultant to plan the trip. All charges will be non-refundable. Am I able to get CFAR insurance just for this portion of the trip? I have charges for airfare that are outside the 14-21 day coverage period. Also, on any trip insurance, where I increase the insurance as I make payments, does the % cost remain the same on the new payments?
- Mary Ann,
05/15/2017

Answer:


With Cancel for Any Reason, you wouldn't be able to insure just a portion of your trip, unfortunately. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. If you are outside of the time frame from the initial trip payment date, this benefit is not going to be available.
- MattG,
Customer Care insureMyTrip
05/16/2017

Question:


If you purchase CFAR and you become seriously ill 12 hours before the cruise, what happens?
- BerthsR,
04/29/2017

Answer:


You do not need Cancel for Any Reason for this type of concern. Trip Cancellation offers coverage for unforeseen illnesses or injuries and with Trip Cancellation, you are able to cancel your trip for a covered reason up until the departure date. 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. 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.
- MattG,
Customer Care insureMyTrip
05/01/2017

Question:


I have booked a hotel but have not paid anything towards it yet. My trip is planned for October 16 2017 and after September 14 the hotel is nonrefundable I have yet to purchase plane tickets yet. When should I buy travel insurance as I'm planning to buy plane tickets around 54 days before I go So first question can I still buy a policy with cancel for any reason before I have actually paid anything or do I have to wait and when is the best time to buy my policy ?
- Jennifer,
04/19/2017

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 10-30 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. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. If the hotel was the very first travel arrangement you booked, this is considered the Initial Trip Payment Date.
- MattG,
Customer Care insureMyTrip
04/22/2017

Question:


Regarding "Initial Trip Payment" - if we are on a cruise and put down minimal money ($100-200 pp) that can be applied to any future cruise, is that initial trip payment since we do not know what we will actually be going, but are making a "payment". Sometime we have done this with something totally open, and sometimes with a specific cruise in mind, but still can be changed for any cruise. So, are these "initial trip payments" or is that not till we know what cruise we will take for sure?
- Rebecca,
04/06/2017

Answer:


Generally, depending on the provider, as long as there are no dates or destination associated with the deposit, and you are simply securing a future reservation at a better rate by making a deposit, it is not considered the initial trip payment date. This is something we would like to confirm with the provider once you find a policy you are comfortable with, so please contact us to obtain additional information.
- MattG,
Customer Care insureMyTrip
04/11/2017

Question:


My husband and I are in the initial planning stages of a trip to Italy---six months in advance. We will most likely book travel at different times. Ex. Airfare, hotel, trains. We would purchase airfare first and then, depending on flights, finalize our itinerary, then book hotels. It is my understanding that train tickets can not be purchased until 60 days out. Since all travel will not be booked at the same time, would all of it be able to be covered under the cancel for any reason policy of the comprehensive plan we purchase? If so, How would we add travel/reservations to the policy?
- PamW,
03/25/2017

Answer:


You can insure what you have paid for to date in order to qualify for the Cancel for Any Reason benefit, and as you make subsequent payments towards the trip such as buying airfare, you can contact us and update your existing policy accordingly to include those additional costs. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
- MattG,
Customer Care insureMyTrip
03/27/2017

Question:


My friend is taking a cruise to Alaska with another friend and are in the same stateroom. One of the ladies has cancer so if she has to cancel I understand that they both can cancel without penalty. I will be travelling as a single in another stateroom and if they cancel I don't want to go. Can I cancel my trip at the last minute, if necessary, and be reimbursed
- Kate,
03/23/2017

Answer:


Generally, if one traveler in the group has to cancel for a covered reason, all travelers who are insured are also covered to cancel as they are considered travel companions. Please double check the definition of travel companion to be sure this applies to you.
- MattG,
Customer Care insureMyTrip
03/27/2017

Question:


I have 4 family members traveling (going and returning) together to Hawaii for 12 days. During that stay, two of us will be traveling overseas for a couple of days (a side trip). Do I purchase two separate policies or have one combined policies?
- JosephK,
03/21/2017

Answer:


Generally, if you have different travel dates or itineraries, you would need to obtain separate policies.
- MattG,
Customer Care insureMyTrip
03/27/2017

Question:


what if one member of your party can't go on the trip due to work or school obligations but the others can go. Would that person get reimbursed for part of the trip?
- Denise,
03/17/2017

Answer:


If one traveler has to cancel for a specified covered reason listed in the policy certificate, that traveler can file a claim for their portion of the trip cost if the other travelers decide to still go on the trip.
- MattG,
Customer Care insureMyTrip
03/21/2017

Question:


Are there limits on how much a trip can cost to be eligible for "Cancel for Any Reason" coverage? I know they may only refund a percentage, but is the total amount of coverage capped?
- Jim,
03/05/2017

Answer:


You would have to insure 100% of all prepaid non-refundable travel arrangements in order to be eligible for that benefit. Once you enter your trip cost in the quote form, it will only populate the list with policies that cover your particular trip cost.
- MattG,
Customer Care insureMyTrip
03/08/2017

Question:


does insurance cover preexisting condition?
- Arlene,
03/04/2017

Answer:


Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.
- MattG,
Customer Care insureMyTrip
03/08/2017

Question:


I am looking at your policy for a domestic trip that says "cancel for any reason" pays 75%. Does that include a trip cancelled for a verified medical reason -- or is a medical cancellation covered at 100%?
- Judy,
03/03/2017

Answer:


Cancel for Any Reason, which generally reimburses 75%, is separate from Trip Cancellation, which reimburses 100%. You do not need Cancel for Any Reason for that particular concern. 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. 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.
- MattG,
Customer Care insureMyTrip
03/08/2017

Question:


Will not receiving your passport in time be covered in the CFAR insurance?
- Cheryl E,
03/03/2017

Answer:


With Cancel for Any Reason, you can cancel for any reason whatsoever as long as you qualify for that benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
- MattG,
Customer Care insureMyTrip
03/08/2017

Question:


Regarding a CFAR policy, if we later check a bag at the airport or are required to do so at a cost that increases the cost of the travel, how do we manage that with the insurance carrier? And if we only want travel covered and not hotels, we assume the hotel cost is not an issue re any prepaid cost reporting?
- JamesJ,
03/01/2017

Answer:


You can only insure prepaid non-refundable travel arrangements prior to departure. Any costs incurred after you have left home cannot be included in your "Trip Cost". There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. If you do not insure 100%, you will not be eligible for this benefit.
- MattG,
Customer Care insureMyTrip
03/02/2017

Question:


I'm considering flight with a total cost of$1700for my wife and I: your insurance policy states benefit amount of$850.Do I have to buy two policies to insure my wife and myself?
- John,
02/17/2017

Answer:


The amounts listed for Trip Cancellation and Trip Interruption are per person amounts. If you had to cancel for any covered reason listed in the policy certificate, you are reimbursed 100%. You would only need one policy for you and your wife, as long as you live together and travel on the same dates.
- MattG,
Customer Care insureMyTrip
02/20/2017

Question:


I put my first pymt down Oct 2016, the final pymt is due Monday 2/20/17, is it too late to purchase this policy? also, the reason I'm doing the additional coverage. My son will be graduating from basic training "supposed to be the last week of May" (our trip leaves 6/4/2017) so just in case it ends up being in June. will that be covered?
- Edie,
02/16/2017

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 10-30 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. You would need a policy that has Cancel for Any Reason for your particular concern. Unfortunately, if your initial payment was more than 21 days ago, that benefit will not be available.
- MattG,
Customer Care insureMyTrip
02/16/2017

Question:


We are 2 couples that booked a trip together but paid seperately , so should we look for all four of us or by couple? Cancel anytime, does this mean that if we need to cancel due to a death in the family etc?
- Jackie,
02/13/2017

Answer:


You you can be on the same policy together with most providers as long as you live in the same state and travel on the same dates. You do not need a policy that has Cancel for Any Reason if you are concerned about cancelling due to a death in the family. This concern is covered under the Trip Cancellation benefit.
- MattG,
Customer Care insureMyTrip
02/14/2017

Question:


Would the sudden illness, injury or death of a family pet be covered under CFAR?
- Lisa,
02/12/2017

Answer:


Yes, with Cancel for Any Reason, you can literally cancel for any reason whatsoever as long as you qualify for this benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
- MattG,
Customer Care insureMyTrip
02/14/2017

Question:


I am booking a condo for two couples. The condo cost for two weeks is $3500. Airline costs for all four of us is $$20000. Would cancel any time insurance allow us to get our 75% refund if we saw that they predicted rainy whether for most of our trip....? Do you also offer medial coverage while we are traveling outside the US?
- annF,
02/04/2017

Answer:


With the Cancel for Any Reason benefit, you can literally cancel for any reason whatsoever, as long as you qualify for that benefit. Generally, you are required to cancel at least two days prior to departure with Cancel for Any Reason. The comprehensive plans include medical and medical evacuation coverage as well.
- MattG,
Customer Care insureMyTrip
02/06/2017

Question:


what does this mean: "require CFAR purchasers to insure the entire dollar amount of their travels in order to receive the coverage." Does this mean that everytime you add something to the trip e.g. a hotel booking you have to let the insurer know?
- joyP,
01/12/2017

Answer:


Yes, all travel arrangements that are prepaid and non-refundable must be insured in order to qualify for that benefit. Any subsequent payments must be added to the policy as soon as those payments are made to keep your trip insured at 100%.
- MattG,
Customer Care insureMyTrip
01/25/2017

Question:


If I cancel my cruise , do I get reimbursed by the same method I paid - credit card, cash, etc
- HenryD,
06/01/2014

Answer:


Valid cancellation claims are paid by the insurance company directly, by check.
- ChristopherG,
Customer Care insureMyTrip
06/01/2014

Question:


I already have medical insur. coverage and evacuation coverage. all I am looking for is cancellation in case of an illness I have or an immediate relative may have. Also interested in baggage loss. Are there policies available for this?
- CarolB,
05/27/2014

Answer:


No, cancellation is not a benefit that is sold on its own, it can only be purchased as part of a comprehensive policy.
- David M.,
Customer Care insureMyTrip
05/27/2014

Question:


what is initial trip payment?
- Elaine P.,
12/09/2013

Answer:


The initial payment date is the first time you have put money down towards the trip you are insuring. The initial payment date will determine if you are eligible for time sensitive benefits that they plan may include, such as pre-existing medical conditions waiver and Cancel for Any Reason.
- MattM,
Customer Care insureMyTrip
12/09/2013

Responses:

"Put money down" -- how is that defined? Have I put money down if a charge has been placed on my credit card but I've yet to actually pay the bill?
- Linda,
03/05/2014
Yes, the charge being placed on the card it the initial trip payment.
- David M.,
Customer Care insureMyTrip
03/05/2014

Question:


Bought a last minute cruise, seperately purchased air tickets as well. my concern is incase of any family emergency at home and missed connections. thanks.
- RobertY,
11/30/2013

Answer:


The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a traveling companion or an immediate family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears NEXT to the words "Trip Cancellation" when viewing a quote. Also, the providers CSA and Travelex have listed reasons related to common carrier delays and cancellations.
- NicholeH,
Customer Care insureMyTrip
11/30/2013
I still have a question about this subject!