Best ‘Cancel For Any Reason’ Travel Insurance for 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: January 20, 2026
Key Takeaways
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After analyzing over 100 policies, we found that the best CFAR plans are offered by: Travel Insured International, Seven Corners, & Tin Leg.
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Cancel For Any Reason is an optional travel insurance add-on that reimburses 50-75% of your insured travel expenses if you cancel for an uncovered reason.
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Not all travel insurance plans include the CFAR add-on.
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This coverage typically has to be purchased within a certain time frame after your first trip deposit (usually 14-21 days), and you must cancel your trip 48 hours before your scheduled departure.
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Travel insurance with CFAR coverage costs $57/day on average, which is 40-50% greater than a typical comprehensive plan.
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Try our online travel insurance comparison tool to compare plans & prices from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
The Most Popular CFAR Travel Insurance Plans
After evaluating all 20+ providers and 100+ plans available in the Squaremouth marketplace, we have selected Travel Insured International as the top company for CFAR travel insurance for 2026. Below are our best Cancel for Any Reason trip insurance plan recommendations to cater to more specific coverage options:
- Best Overall CFAR Insurance, Travel Insured International – FlexiPAX
- Best Value CFAR Insurance, Seven Corners – Trip Protection Basic
- Best CFAR Insurance For Medical Coverage, Tin Leg – Gold
- Best CFAR Insurance for Seniors, Travel Insured International – FlexiPAX
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. Each award is given to the top-selling plans that meet the specific criteria outlined below.
- Best Overall CFAR Insurance: Given to the top-selling comprehensive plan that offers the CFAR add-on with at least 100 sales, $100,000 in Emergency Medical coverage, and $250,000 in Medical Evacuation coverage.
- Best Value CFAR Insurance: Given to the comprehensive plan with the most favorable trip cost to premium ratio that offers the CFAR add-on with at least 100 sales, $100,000 in Emergency Medical coverage, and $250,000 in Medical Evacuation coverage.
- Best CFAR Insurance For Medical Coverage: Given to the comprehensive plan that offers the CFAR add-on with at least 100 sales and the highest base Emergency Medical coverage.
- Best CFAR Insurance for Seniors: Given to the top-selling comprehensive plan among travelers 60+ that offers the CFAR add-on with at least 100 sales, $100,000 in Emergency Medical coverage, and $250,000 in Medical Evacuation coverage
The Best CFAR Travel Insurance Plans in Detail
Best Overall CFAR Insurance
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The most popular travel insurance plan with CFAR coverage, accounting for roughly 45% of all CFAR sales
Provides the longest Time-Sensitive Window of any CFAR plan, allowing travelers to qualify for the benefit up to 21 days after their initial trip deposit
Covers up to $100,000 in travel expenses per person, making it one of the best trip cancellation insurance policies available on Squaremouth
Travel Insured International gets our pick for the best CFAR travel insurance policy with their FlexiPAX plan due to its generous eligibility requirements, high reimbursement percentage, and overall popularity among travelers. It features an industry-leading 21-day Time-Sensitive Window, making it easier for CFAR shoppers to qualify for coverage. It also reimburses up to 75% of prepaid travel expenses in the event of an uncovered cancellation, which is the highest offered by any policy on Squaremouth.
In addition to CFAR, FlexiPAX offers a multitude of different ways for customers to enhance their coverage. This includes other add-ons, like Interruption for Any Reason and Rental Car Damage Protection, to unique policy upgrade bundles that can increase coverage limits for select benefits.
Best Value CFAR Insurance
Medical / Med Evac Coverage
$100,000 / $250,000Cancellation / Interruption Limits
100% / 100% of trip cost
The most cost-effective Cancel for Any Reason policy, with premiums averaging just 7.5% of a customer’s prepaid trip expenses
Generous Time-Sensitive Window, giving travelers 20 days to qualify for coverage after making their initial trip deposit
One of eight policies on Squaremouth to offer the Interruption for Any Reason add-on, which is automatically applied alongside CFAR
While Cancel for Any Reason coverage has a reputation for being expensive, it isn’t always the case. The Trip Protection Basic plan from Seven Corners is currently the best value plan available with CFAR coverage, with the premium averaging roughly 7.5% of customers’ prepaid, non-refundable travel expenses. In addition to being budget-friendly, the policy also features a 20-day Time-Sensitive Window and offers 75% reimbursement for uncovered cancellations.
Trip Protection Basic also offers great flexibility, allowing customers to add a wide range of add-ons to their coverage to bolster their protection while away from home.
Best CFAR Insurance For Medical Coverage
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Comes standard with up to $500,000 in Emergency Medical coverage, the highest of any comprehensive plan found on Squaremouth
Provides medical coverage for over 250 unique sports and activities, making it a great option for thrill-seekers planning a bucket list trip
One of the most popular policies with the Cancel for Any Reason benefit, chosen by 15% of customers looking for CFAR protection
Tin Leg Gold is consistently among the most popular travel insurance policies on Squaremouth, especially among travelers who want strong protection against unexpected cancellations and medical emergencies. In addition to reliable CFAR coverage, the plan also includes up to $500,000 in reimbursement for unexpected medical expenses, the most offered by any comprehensive plan on the market. Like other Tin Leg plans, Gold also offers protection for injuries that occur while participating in a wide range of adventure sports and activities.
While Tin Leg Gold does not offer the most generous CFAR coverage when it comes to eligibility or reimbursement, it does provide some of the most well-rounded protection found on Squaremouth.
Best CFAR Insurance for Seniors
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Does not include age restrictions, which is great for older travelers looking for a policy with the CFAR benefit
Features the most generous ‘Free Coverage for Kids’ pricing, allowing up to 9 children to be covered at no additional cost for an insured adult
Includes up to $100,000 in coverage for medical emergencies, as well as coverage for pre-existing conditions for qualifying travelers
As well as being our top overall CFAR policy, FlexiPAX is also our pick for the best Cancel for Any Reason plan for senior travelers. Not only is it overwhelmingly popular among travelers aged 60+, but it also comes with benefits and coverage limits suitable for those traveling later in life. The policy has no age limits and comes with up to $100,000 in Emergency Medical coverage, which can be increased to $500,000 through policy upgrade bundles. This medical coverage can also cover pre-existing medical condition flare-ups if the traveler meets certain eligibility requirements.
The ‘Free Coverage for Kids’ pricing can be a great, money-saving perk for those travelers with children 17 and under.
Compare Costs for the Best CFAR Travel Insurance Plans
While travel insurance premiums are largely determined by factors like your age, trip cost, and trip length, optional add-ons can also raise the cost of coverage. Cancel For Any Reason coverage, in particular, can increase premiums by 40–50%. For example, Squaremouth data shows that, on average, CFAR plans are more than $300 more expensive than comprehensive travel insurance.
We pulled sample quotes to give you a better idea of how much CFAR coverage costs. The prices in the table below are based on quotes for a one-week trip to Costa Rica.
Plan |
Solo |
Couple |
Family |
|
|---|---|---|---|---|
$206.00 |
$355.00 |
$439.00 |
Get Quotes | |
$163.00 |
$307.00 |
$531.00 |
Get Quotes | |
$228.00 |
$410.00 |
$687.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
Using the table above, we can see that Seven Corners’ Trip Protection Basic plan is the least expensive option for solo travelers and couples. However, just because it costs less than other plans does not mean it is a low-quality CFAR plan. Like many other higher-priced policies, it offers up to 75% trip cost reimbursement if you choose to cancel your trip for an uncovered reason. It also offers competitive coverage for other in-demand benefits like Emergency Medical and Medical Evacuation.
Travel Insured’s FlexiPAX plan offers great value for families traveling with children under the age of 18 due to its ‘Kids Covered Free’ pricing. With this plan, parents can cover up to nine children per insured adult at no additional cost.
While Tin Leg Gold is the most expensive CFAR plan we highlight, it offers among the best medical coverage of any comprehensive policy on the market. If you are taking a cruise, an adventure trip, or have specific health concerns, this high plan may be worth the added cost.
Compare Benefits for the Best CFAR Travel Insurance Plans
When comparing CFAR coverage options, it’s important to pay attention to each plan’s cancellation benefits. Specifically, you should look for plans that offer a high reimbursement rate, up to 75%, if you cancel your trip for an uncovered reason.
Another important factor to consider is the time-sensitive period, which indicates how soon after your first trip payment you need to purchase your plan in order to be eligible for CFAR coverage. This window typically lasts 10-21 days, depending on the policy. The longer a plan’s time-sensitive period, the more likely it is that you qualify for coverage.
The table below shows how coverage for the best CFAR travel insurance plans compares side-by-side.
| Travel Insurance Benefit | Travel Insured International FlexiPAX |
Seven Corners Trip Protection Basic |
Tin Leg Gold |
|---|---|---|---|
| Emergency Medical | Up to $100,000 per person | Up to $100,000 per person | Up to $500,000 per person |
| Medical Evacuation | Up to $500,000 per person | Up to $250,000 per person | Up to $500,000 per person |
| Trip Cancellation | 100% of trip cost (up to $100,000 per person) | 100% of trip cost (up to $50,000 per person) | 100% of trip cost (up to $30,000 per person) |
| Cancel For Any Reason | Available Upgrade | Available Upgrade | Available Upgrade |
| CFAR Time Sensitive Period | Available Upgrade | Available Upgrade | No Coverage |
| Trip Interruption | 150% of trip cost | 100% of trip cost | 150% of trip cost |
| Interruption For Any Reason | 21 days after initial trip deposit | 20 days after initial trip deposit | 14 days after initial trip deposit |
| Travel Delay | $1,000 per person after a 6-hour delay | $500 per person after a 6-hour delay | $500 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay (cruise and tour only) | $500 per person after a 3-hour delay (cruise and tour only) | $500 per person after a 3-hour delay/td> |
| Baggage Loss | $1,000 per person | $500 per person | $500 per person |
| Baggage Delay | $200 per person after a 12-hour delay | $500 per person after a 6-hour delay | $200 per person after a 24-hour delay |
When comparing cancellation coverage across the three best CFAR plans, you’ll notice there isn’t too much of a difference between them. All plans offer up to 100% reimbursement for covered trip cancellations and up to 75% reimbursement for CFAR cancellations, the highest coverage limits on the market.
Travel Insured International offers the longest time-sensitive period at 21 days, which gives travelers more time to add CFAR coverage after making their initial trip deposit. This extended window can be especially helpful for travelers who need additional time to finalize plans or confirm travel details before purchasing coverage. Both FlexiPAX and Trip Protection Basic also offer Interruption For Any Reason (IFAR) to your coverage, which comes packaged with CFAR.
Looking at other benefits, Tin Leg Gold is the clear favorite for medical coverage. It comes standard with up to $500,000 in Emergency Medical and Medical Evacuation coverage, which is more than most comprehensive plans on the market. Tin Leg Gold is also the only plan in this list that doesn’t limit Missed Connection coverage to missed cruise or tour departures.
FlexiPAX also offers the most Travel Delay and Baggage Loss protection of any plan in this list. If the plan’s built-in coverage isn’t enough, FlexiPAX also allows you to increase coverage limits for these benefits for a small fee through ‘Policy Upgrades’. For example, with FlexiPAX, you can pay to increase your Baggage Loss coverage from $1,000 per person to up to $2,500 per person.
Compare Customer Satisfaction Ratings
Travel can be unpredictable, which is why choosing a provider with strong customer support can make a meaningful difference. Beyond price and reimbursement percentages, the quality of customer service plays a critical role, especially when you’re navigating time-sensitive CFAR requirements or understanding whether a cancellation reason is covered or not.
To help you compare, we break down how each top-rated provider supports travelers from pre-departure assistance to claims handling. The following ratings are from verified customers.
| Customer Satisfaction | Travel Insured International | Seven Corners | Tin Leg |
|---|---|---|---|
| Overall Rating | 4.4 / 5 | 4.38 / 5 | 4.53 / 5 |
| Customer Service Before a Trip | 4.48 / 5 | 4.49 / 5 | 4.63 / 5 |
| Customer Service During a Trip | 4.08 / 5 | 3.94 / 5 | 4.07 / 5 |
| Customer Service After a Trip | 3.73 / 5 | 3.9 / 5 | 4.08 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
Strong customer support is especially important when using CFAR coverage, as travelers often need help understanding eligibility rules, deadlines, and reimbursement. While all providers receive positive feedback from customers, Tin Leg stands out overall, earning the highest scores for pre-trip support and post-trip claims handling.
Travel Insured International also performs well before trips and has the strongest customer satisfaction ratings when it comes to support during a trip. Providers that score well in this category offer prompt and efficient 24 Hour Emergency Assistance services. Seven Corners receives slightly lower ratings across most stages of the travel experience, especially when it comes to claims handling.
How Reliable Are the Best CFAR Travel Insurance Providers?
We partner exclusively with reputable travel insurance providers known for reliably supporting travelers worldwide. Every policy purchased through our site is protected by our Zero Complaint Guarantee, which helps ensure fair and transparent claims handling.
The table below compares A.M. Best and Better Business Bureau ratings for leading CFAR insurance providers, which provides insight into the financial strength and commitment to customer care for each insurer.
| Reliability | Travel Insured International FlexiPAX |
Seven Corners Trip Protection Basic |
Tin Leg Gold |
|---|---|---|---|
| Underwriter | United States Fire Insurance Company | United States Fire Insurance Company | Starr Indemnity & Liability Company |
| A.M. Best Rating | A (Excellent) | A (Excellent) | A++ (Superior) |
| BBB Rating | A+ | A+ | A++ |
All three CFAR providers in the table demonstrate strong reliability and financial stability. Each plan is underwritten by a highly rated insurance company and holds an A (Excellent) A.M. Best rating or better, indicating solid financial strength and an ability to repay claims.
BBB scores are also strong across the board, with all providers recording scores of A+ or better. Overall, these ratings suggest all providers are well-equipped to handle CFAR claims fairly and consistently.
Which CFAR Plan is Right for Me?
Many policies on Squaremouth include CFAR coverage, giving you the flexibility to protect your trip even if plans change. The right plan for you will depend on your budget, itinerary, and coverage needs.
If the plans listed here don’t fully meet your trip’s needs, we recommend entering your trip details on Squaremouth to explore additional quotes and options.
- FlexiPAX is a great option for families or individuals seeking customizable coverage. The policy’s ‘Kids Covered Free’ pricing can be a huge cost-saver if you’re traveling with multiple children, which can offset the additional costs that come with CFAR coverage. The Policy Upgrades that come with this plan are also another key selling point, as very few policies on the market provide the option to increase coverage limits for specific benefits. Travel Insured International, however, earns low scores for its claims handling, which can be frustrating when trying to be reimbursed for a covered event.
- Since CFAR coverage can be expensive, iTravelInsured Choice is a solid choice if you’re seeking more affordable cancellation protection. As mentioned in the cost section, this policy by Seven Corners is the most affordable for solo travelers and couples. Despite its below-average price tag, it still offers well-rounded coverage suitable for covering trips abroad. It also includes up to 75% reimbursement for CFAR claims and offers among the most generous time-sensitive periods.
- Tin Leg’s Gold plan is consistently among the best-selling travel insurance plans on Squaremouth, and is a great option if you want a CFAR policy with strong medical coverage. This policy comes standard with up to $500,000 in Emergency Medical coverage, which is among the highest of any comprehensive plan on the market. Similar to other policies listed here, it also includes broad cancellation coverage and up to 75% reimbursement for CFAR-related claims. Tin Leg is also the highest-rated provider on Squaremouth, and one of the few insurers to hold a customer satisfaction score above 4 out of 5 for claims handling
FAQs: Cancel For Any Reason Travel Insurance Plans
How Much Does Cancel For Any Reason Trip Insurance Cost?
On average, travel insurance with Cancel for Any Reason coverage costs roughly $57/day.
This is based on Squaremouth sales data of travelers who purchased CFAR coverage in the past 12 months. The average policy with this benefit costs $678 with a trip length of 12 days.
Adding the CFAR benefit to a travel insurance plan typically adds 40-50% to the overall premium. This additional cost is in exchange for greater flexibility in the event you choose to cancel your trip before your scheduled departure date.
Comprehensive travel insurance premiums are typically calculated as a percentage of your insured trip costs. For context, the average CFAR plan costs 9.3% of a traveler’s prepaid, non-refundable travel expenses.
Here’s what you can expect to pay for the top CFAR plans listed above, in order of least to most affordable:
- Seven Corners, Trip Protection Basic: 7.5% of your prepaid, non-refundable trip costs
- Travel Insured, FlexiPAX: 8.25% of your prepaid, non-refundable trip costs
- Tin Leg, Gold: 10.16% of your prepaid, non-refundable trip costs
How Long Do I Have to Buy the Top CFAR Plans?
Cancel For Any Reason is a time-sensitive benefit. In order to qualify for coverage, plans that offer this add-on must be purchased soon after you make your initial trip deposit, usually within 14 to 21 days.
This benefit is not automatically applied and must be added to your coverage during the checkout process.
Each plan has its own specific deadline, which can be found in the policy’s Certificate of Insurance. Below are the time-sensitive windows for the plans featured in this article:
- Seven Corners, Trip Protection Basic: 20 days after initial trip deposit
- Travel Insured, FlexiPAX: 21 days after initial trip deposit
- Tin Leg, Gold: 14 days after initial trip deposit
What to Consider When Buying Travel Insurance with Cancel For Any Reason
Cancel For Any Reason coverage offers the highest level of flexibility available in travel insurance, providing reimbursement for any kind of cancellation. With that said, this add-on may not be suitable for everyone.
Here are a few key factors to weigh before adding CFAR to your travel insurance plan:
- Existing Trip Cancellation Insurance: Standard Trip Cancellation may already cover common risks, such as an unexpected illness or family emergency. CFAR is only necessary if you want protection for reasons outside the standard list.
- Purchase Date: CFAR must usually be purchased within 14 to 21 days of your initial trip deposit. Missing the window means you’re ineligible for coverage.
- Budget: CFAR increases your premium by about 40–50%. Consider whether the added flexibility is worth the higher cost based on your trip investment.
- Personal Risk Tolerance: If you’re worried about unexpected cancellations, CFAR can provide peace of mind beyond what Trip Cancellation coverage offers.
- Prepaid Travel Expenses: If you’re planning an expensive trip, CFAR can provide extra financial protection in the event you’re forced to cancel your travel plans for any reason.