Cancel For Any Reason, commonly referred to as CFAR, is an optional travel insurance benefit that provides customers with maximum cancellation flexibility. Policies that include this add-on will partially reimburse travelers’ prepaid, non-refundable trip costs if they cancel their travel plans for a reason not already covered by their policy’s Trip Cancellation coverage.
CFAR is typically not included in standard travel insurance plans. Instead, it’s an add-on that can be applied to select comprehensive travel insurance policies during the checkout process.
Since CFAR is time-sensitive, you must purchase your policy within 14-21 days of your initial trip deposit in order to be eligible for coverage. Including CFAR as part of your overall trip protection will likely increase your travel insurance premium.
The Cancel for Any Reason benefit covers your prepaid, non-refundable travel expenses in the event you need to cancel your trip for an uncovered reason. Most CFAR plans reimburse between 50-75% of your insured trip costs in the event of a claim.
Examples of non-refundable costs that are covered by the CFAR benefit include airfare, hotel stays, cruise bookings, rental cars, excursions, event tickets, and other pre-planned activities.
Yes, travelers with CFAR policies can cancel their trips for virtually any reason. Common CFAR cancellation reasons include:
How Do I Buy the Cancel For Any Reason Upgrade?
To purchase CFAR coverage, you will need to add the optional add-on to your coverage during the checkout process. This add-on is only available in select comprehensive plans.
Travel insurance companies that offer this add-on set specific parameters that must be met for a traveler to qualify for Cancel for Any Reason coverage.
While eligibility requirements may differ slightly, most plans include the following stipulations:
On average, a Cancel for Any Reason travel insurance policy costs roughly $56/day.
This is based off of Squaremouth sales data of 20,000+ travelers that purchased CFAR coverage in the past 12 months. The average policy with CFAR cost $675 with a trip length of 12 days.
A comprehensive travel insurance plan without any add-ons will typically cost 5-10% of your total insured trip cost. Adding CFAR often requires additional costs, and typically increases premiums by 40-50%.
How Does Cancel for Any Reason Travel Insurance Work?
Much like other common travel insurance benefits, CFAR works on a reimbursement basis, providing essential coverage if you choose to cancel your travel plans due to an uncovered reason.
Follow the following steps to reap the rewards of CFAR insurance:
What is the Best Cancel For Any Reason Travel Insurance?
The best CFAR plans will include higher reimbursement limits and longer eligibility windows. Ideally, your CFAR coverage will reimburse at least 75% of your travel expenses for uncovered cancellations, and allow travelers to add this protection at least 20 days after their trip deposit date.
Here are a few plans that include this type of coverage:
Is Cancel For Any Reason Trip Insurance Worth It?
Cancel For Any Reason (CFAR) trip insurance can be worth it, but it depends on your travel plans, risk tolerance, and budget. Here’s a few scenarios in which adding Cancel for Any Reason coverage to your policy is worth the additional expense:
How is Cancel For Any Reason Different From Standard Trip Cancellation?
CFAR and Trip Cancellation are both travel insurance benefits designed to protect your prepaid, non-refundable expenses. However, they differ when it comes to availability, exclusions, coverage limits, and cost.
Below are some key differences between the Trip Cancellation and Cancel for Any Reason.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Cancel For Any Reason coverage.
Enter your trip information on our custom quote form. Once you receive your results, select the Cancel For Any Reason filter to find the best policy for your trip with the coverage that you need.
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Policy Name and Summary of Coverage | Full Policy Wording | |
1 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits. If You are prevented from taking the Covered Trip for any reason, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met: a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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2 |
Optional coverage
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6. CANCEL FOR ANY REASON BENEFIT The Insured’s coverage under the Cancel For Any Reason Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. If the Insured cancels his/her Covered Trip for any reason not otherwise covered by this Policy, We will reimburse the Insured a Cancel For Any Reason Benefit, for the Payments and Deposits the Insured paid for his/her Covered Trip, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, provided: a. the Insured’s premium is received within one day of the initial deposit for his/her Covered Trip; b. the Insured is not disabled from travel at the time the Insured pays his/her premium;c. the Insured insures at least 100% of all prepaid Trip Costs that are subject to cancellation penalties or restrictions; d. the Trip Cost per person is no more than $10,000; and e. the Insured cancels his/her Covered Trip two days or more before his/her scheduled Covered Trip departure date and time. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
3 |
Optional coverage
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OPTIONAL TRIP CANCELLATION FOR ANY REASON If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided: a) Your premium is received within the Time Sensitive Period; and b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date. Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
4 |
Optional coverage
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CANCEL FOR ANY REASON. Coverage is provided for this benefit if purchased within fifteen (15) days of the date the initial trip payment is paid and insures the cost of any subsequent arrangement(s) added to the same covered trip within fifteen (15) days of the date of payments or deposits for any subsequent covered trip arrangement(s). You must cover the entire cost of your covered trip to be eligible for this benefit. If you are prevented from taking the covered trip for any reason not otherwise covered by this policy, we will reimburse you or your designated representative for seventy-five percent (75%) of the prepaid, forfeited, non-refundable payments or deposits for the covered trip arrangement(s) up to the maximum amount shown in the schedule of benefits, provided the following conditions are met: a. This insurance coverage is purchased for the full cost of all non-refundable prepaid covered trip arrangements that are subject to cancellation penalties and/or restrictions; and b. You or your designated representative cancels the covered trip no less than forty-eight (48) hours prior to the scheduled departure date.Single Occupancy: We will pay you, up to the maximum shown on the schedule of benefits, for the additional cost incurred during the covered trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with you has his or her covered trip delayed, canceled, or interrupted for a covered reason and you do not cancel your covered trip. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
5 |
No coverage
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There is no Cancel For Any Reason coverage with this plan. |
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6 |
Optional coverage
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CANCEL FOR ANY REASON COVERAGE Can only be purchased with the base plan and within 15 days of Initial Trip Payment. If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met: a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and c) You cancel the insured Trip no less than 48 hours prior to the Departure Date. This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded. SPECIAL NOTIFICATION OF CLAIM You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification. |
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7 |
Optional coverage
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CANCEL FOR ANY REASON The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met: a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window; b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date. This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for thisCancel for Any Reason Coverage will be refunded. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Maximum traveler Trip Cost of $10,000. MAXIMUM LIMIT: 50% of insured Trip Cost, up to a maximum of $5,000. SPECIAL NOTIFICATION OF CLAIM The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circumstance that prevented timely notification. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
8 |
No coverage |
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There is no Cancel For Any Reason coverage with this plan. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
9 |
Optional coverage
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OPTIONAL TRIP CANCELLATION FOR ANY REASON If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided: a) Your premium is received within the Time Sensitive Period; and b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fifteen (15) days the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date. Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
10 |
iTravelInsured Travel LX Basic No coverage
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There is no Cancel For Any Reason coverage with this plan. |
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11 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON We will reimburse You up to the amount in the Schedule of Benefits for the unused, non- refundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided: 1. Your payment for this Policy is received within the Time Sensitive Period; 2. You are medically fit and otherwise able to travel at the time You purchase this benefit; 3. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to You at the time You purchase this benefit that are subject to cancellation penalties or restrictions; 4. You cancel Your Trip two (2) days or more prior to Your Scheduled Departure Date. This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements for any reason. Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
12 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits. If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met: a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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13 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits. If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met: a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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14 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits. If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met: a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
15 |
Optional coverage
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OPTIONAL TRIP CANCELLATION FOR ANY REASON If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided: a) Your premium is received within the Time Sensitive Period; and b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within twenty-one (21) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date. Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip. |
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16 |
Optional coverage
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OPTIONAL TRIP CANCELLATION FOR ANY REASON If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided: a) Your premium is received within the Time Sensitive Period; and Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
17 |
Optional coverage
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OPTIONAL CANCEL FOR ANY REASON We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met: 1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and 2. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip. This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip. |
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18 |
Optional coverage
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OPTIONAL CANCEL FOR ANY REASON We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met: 1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and 2. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip. This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip. |
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19 |
Optional coverage
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OPTIONAL CANCEL FOR ANY REASON We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited,prepaid, non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met: 1. You purchase the Cancel for Any Reason benefit within the Time Sensitive Period; and This Cancel for Any Reason benefit does not cover penalties associated with any Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason. These benefit(s) will not duplicate any other benefits payable under the policy, or any coverage(s) attached to the policy |
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Policy Name and Summary of Coverage | Full Policy Wording | |
20 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits. If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met: a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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21 |
Optional coverage
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CANCEL FOR ANY REASON COVERAGE Can only be purchased with the base plan and within 15 days of Initial Trip Payment. If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met: a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and c) You cancel the insured Trip no less than 48 hours prior to the Departure Date. This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded. SPECIAL NOTIFICATION OF CLAIM You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification. |
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22 |
Optional coverage
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CANCEL FOR ANY REASON COVERAGE Can only be purchased with the base plan and within 15 days of Initial Trip Payment. If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met: a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and c) You cancel the insured Trip no less than 48 hours prior to the Departure Date. This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded. SPECIAL NOTIFICATION OF CLAIM You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification. |
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23 |
Optional coverage
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CANCEL FOR ANY REASON The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met: a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window; b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date. This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded. SPECIAL NOTIFICATION OF CLAIM The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circumstance that prevented timely notification. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. |
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24 |
Optional coverage
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CANCEL FOR ANY REASON The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met: a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window; b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date. This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded. SPECIAL NOTIFICATION OF CLAIM Early Purchase Window: Within 15 days of Initial Trip Payment |
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25 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON Optional Benefit purchased separately. See confirmation of insurance to confirm additional premium Coverage is provided for this benefit if: 1. Purchased within 15 days of the date the Initial Trip Payment; If You are prevented from taking Your Covered Trip for any reason not otherwise covered under the Policy, We will reimburse You or Your designated representative for 50% of the Unused, Prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), up to the maximum shown on the Schedule of Benefits, provided the following conditions are met: a. This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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26 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON Coverage is provided for this benefit if: If You are prevented from taking Your Covered Trip for any reason not otherwise covered under the Policy, We will reimburse You or Your designated representative for 75% of the Unused, Prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), up to the maximum shown on the Schedule of Benefits, provided the following conditions are met: a) This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; Trip Cancellation for Any Reason includes change of mind. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
27 |
75% of trip cost if purchased within 21 days of trip deposit |
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CANCEL FOR ANY REASON If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided: a) Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and c) You cancel Your Trip 48 hours or more before Your Scheduled Departure Date. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy. |
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28 |
Optional coverage
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OPTIONAL CANCEL FOR ANY REASON We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met: 1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and 2. You insure the full cost of any subsequent arrangements added to Your Trip within 21 days of the date of Your payment for any such subsequent Travel Arrangements; and 3. You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip. This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received. |
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29 |
Optional coverage
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OPTIONAL CANCEL FOR ANY REASON We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met: 1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and 2. You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip. This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
30 |
Optional coverage
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CANCEL FOR ANY REASON BENEFIT optional upgrade The Insured’s coverage under the Cancel For Any Reason Benefit will take effect as stated in SECTION II –EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. If the Insured cancels his/her Covered Trip for any reason not otherwise covered by this Policy, We will reimburse the Insured a Cancel For Any Reason Benefit, for the Payments and Deposits the Insured paid for his/her Covered Trip, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, provided: a) the Insured’s premium for the coverage is received within 21 days of the date the Insured’s initial deposit/payment for his/her Covered Trip is received; b) the Insured is not disabled from travel at the time the Insured pays his/her premium; c) the Insured insures at least 100% of all prepaid Trip Costs that are subject to cancellation penalties or restrictions; and also insures within 14 days of the payment for those arrangements the cost of any subsequent arrangement (or any other arrangement not made through the Insured’s travel agent)added to his/her Covered Trip; d) the Trip Cost per person is no more than $10,000; and e) the Insured cancels his/her Covered Trip two days or more before his/her scheduled Covered Trip departure. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
31 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met: a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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32 |
Optional coverage
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TRIP CANCELLATION FOR ANY REASON This coverage is Optional and must be purchased for an additional premium. If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met: a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date. This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
33 |
Optional coverage
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Upgrade – Trip Cancellation for Any Reason If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits: We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, non-refundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided: 1. Your payment for this Policy benefit is received within the Time Sensitive Period; This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements. Time Sensitive Period means: For initial Policy purchase: For subsequent arrangements: |
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34 |
Optional coverage
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Upgrade – Trip Cancellation for Any Reason If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits: We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, nonrefundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided: 1. Your payment for this Policy benefit is received within the Time Sensitive Period; 2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit; 3. You are able to travel at the time You purchase this benefit; 4. The Trip cost per person is no more than one hundred fifty thousand dollars ($150,000); 5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date. This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements. Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. |
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35 |
Optional coverage
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Upgrade – Trip Cancellation for Any Reason If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits: We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, nonrefundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided: 1. Your payment for this Policy benefit is received within the Time Sensitive Period; This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements. Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. |
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36 |
Optional coverage
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Upgrade – Trip Cancellation for Any Reason If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits: We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, non-refundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided: 1. Your payment for this Policy benefit is received within the Time Sensitive Period; 2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit; 3. You are able to travel at the time You purchase this benefit; 4. the Trip cost per person is no more than fifty thousand dollars ($50,000); 5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date. This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements. |
Benefits
Additional Information