Cancel For Any Reason (CFAR) coverage is recommended for those who may want to cancel a trip for reasons that are not covered under the standard "covered reasons" found within a travel insurance policy.
Fear or uncertainty due to worldwide events such as the Zika Virus or Terrorism can make CFAR coverage a very viable option for you because fear and anxiety are not covered reasons for trip cancellation.
Cancel For Any Reason coverage allows you to Cancel your trip up to 48 hours before your departure date and receive a 75% reimbursement of your non-refundable insured trip costs. To qualify for this benefit you must purchase within 14 to 21 days (depending on the plan you are considering) of your initial trip deposit and insure all pre-paid trip costs. If you wait too long this coverage option will not be available.
Goldfrom AXA Assistance USA
AXA Gold features coverage for Trip Cancellation and Trip Interruption, $100,000 for Emergency Medical Expenses, $250,000 for Medical Evacuation and Repatriation, Travel Delay, Baggage Protection, plus concierge and travel services. Featuring Optional Rental Car Collision coverage, Optional Pre-Existing Medical Conditions Waiver, Optional Cancel for Work Reasons, and Optional Cancel For Any Reason. Available to US Residents
Many RoamRight travelers find the Preferred plan the most economical for their trips and vacations. The Preferred plan offers more benefits and higher limits than the Essential plan. In addition to trip cancellation and delay, the Preferred plan offers coverage for one child (under age 18) per paid adult, accidental death and dismemberment coverage, trip interruption insurance worth up to 150% of the trip cost, baggage delay, medical and evacuation coverage and access to a 24/7 hotline for assistance. $50,000 Accident & Medical, $500,000 Evacuation. Cancel For Any Reason option available. Available to U.S. Residents
Worldwide Trip Protector Plusfrom Travel Insured International
is our strongest, most robust travel insurance coverage providing primary emergency medical expense plus many additional benefits. Trip Cancellation For Any Reason and Trip Interruption For Any Reason (which returns up to 75% of unused trip cost insured) are included in the base product if purchased within 21 days of initial trip payment and insuring all pre-paid trip costs.
$100,000 Accident & Medical, $1,000,000 Evacuation Available to US residents
Platinumfrom AXA Assistance USA
AXA Platinum offers coverage for Trip Cancellation and Trip Interruption, Baggage Protection, Travel Delay, $250,000 Medical, and includes the Pre-Existing Medical Conditions Waiver if purchase within 14 days of initial trip deposit. Featuring Optional Rental Car Collision protection, Optional Cancel for Work Reasons, and Optional Cancel For Any Reason. Available to US Residents
IMG Travel LXfrom International Medical Group
provides the highest levels of benefits for the most discerning travelers. Cancel for Any Reason and Interruption for Any Reason benefits are included at no additional cost when the plan is purchased within 20 days of the date Your initial Payment or Deposit is received. This program provides coverage for most adventure activities and it is ideal for travelers going to remote and exotic locations worldwide.
Available to U.S. residents
Travel Guard Goldfrom Travel Guard
Our go to plan for protection from weather related trip cancellation and travel delays. Provides coverage for trip cancellation, travel delays, lost luggage, medical emergencies and more. And kids are covered at no additional cost. Purchase within 15 days of initial trip payment or deposit and receive additional benefits of primary medical coverage, pre-existing medical conditions waiver and financial default protection. Optional coverage upgrades include Cancel For Any Reason and Medical Evacuation home or to the hospital of your choice. $25,000 Accident & Medical, $500,000 Evacuation Available to U.S. residents
Travel Maxfrom Travelex Insurance Services
The highest level of protection with many extra benefits included such as allowing travelers to choose their hospital of choice, pet coverage and identity theft services. Waiver of pre-existing medical conditions is available if purchased within 30 days of making the initial trip deposit.
Optional Cancel For Any Reason benefit (which returns up to 75% of trip cost insured) is available. $100,000 Accident & Medical, $1,000,000 Evacuation Available to US residents and to US Citizens Living Overseas
The plan I'm considering returns 75% of the trip cost if I cancel. Does that 75% apply to all reasons for cancellation?
No. The 75% of trip cost only applies to the reasons that are not stated within the standard policy language. For example, unforeseen illnesses or injuries that would cause you to cancel the trip would return 100% of your trip cost as stated within the standard policy language.
What is a "Cancel for Any Reason" policy? Doesn't regular trip insurance cover trip cancellation?
A "Cancel for Any Reason" policy will provide some coverage for trip cancellation for reasons that are not outlined in the standard policy wording. Fear of traveling to your destination would be a good example of something not covered by standard travel insurance.