What is Cancel For Any Reason travel insurance?

Cancel For Any Reason is an optional upgrade that can provide partial reimbursement for prepaid and non-refundable trip payments if a trip is canceled for a reason not otherwise covered by a policy.

Cancel For Any Reason is a time-sensitive upgrade. Most policies with Cancel For Any Reason coverage can only be purchased within 14–21 days of the first payment toward the trip. However, select cruise only policies offer Cancel For Any Reason anytime before a traveler has made their final trip payment. This benefit requires travelers to insure their entire trip cost, and will typically increase a policy’s premium by roughly 40-50%.

To be covered under the Cancel For Any Reason benefit, a traveler must cancel their trip in its entirety at least 2-3 days before their scheduled departure date. Depending on the policy, this benefit reimburses 50% or 75% of the trip cost, and requires the traveler to insure 100% of their prepaid and non-refundable trip costs.
Cancel For Any Reason provides the most possible flexibility for travelers who are concerned about a cancellation. Many travelers turn to Cancel For Any Reason coverage when a typical Trip Cancellation policy won’t cover their cancellation concerns.

Trip Cancellation coverage most commonly covers unforeseen illness or injury, inclement weather preventing travel, terrorism, or natural disasters. With Cancel For Any Reason, a traveler can receive reimbursement for most other reasons unless specifically excluded by the policy.

What are the eligibility requirements and limitations for Cancel For Any Reason?

Cancel For Any Reason has specific parameters that need to be met for a person to qualify for this coverage, including the following:

  • Travelers must insure 100% of their prepaid and non-refundable trip costs. This includes all travel-related trip expenses such as flights, hotels, rental cars, or tours among others.
  • Travelers must add or purchase a policy with Cancel For Any Reason coverage within 14-21 days of making the initial trip deposit to qualify. This varies by policy.
  • Travelers must cancel their trip in its entirety 2-3 days before their departure to receive reimbursement.

Do I need Cancel For Any Reason coverage for Covid-19?

Due to the high amount of uncertainty surrounding travel amid Covid-19, Cancel For Any Reason can provide increased flexibility for travelers. However, Cancel For Any Reason is an optional upgrade, so it is not required.

Trip Cancellation coverage can only provide reimbursement if a traveler contracts Covid-19 prior to leaving for their trip. However, other concerns such as border closures, fear of contracting Covid-19, exposure to Covid-19, or travel advisories are not covered by Trip Cancellation. For travelers with these concerns, Cancel For Any Reason is the best option.

How much does Cancel For Any Reason cost?

Because of the added flexibility of this upgrade, Cancel For Any Reason generally adds 40-50% to the insurance premium when adding this to a normal Trip Cancellation policy. Due to this increase in cost, Squaremouth only recommends Cancel For Any Reason for travelers who have specific concerns that can’t be covered by standard Trip Cancellation.

How much reimbursement will I receive with Cancel For Any Reason Coverage?

Unlike Trip Cancellation coverage which provides 100% of the prepaid and non-refundable trip costs, Cancel For Any Reason reimburses between 50-75%, depending on the policy.

However, travelers who purchase the Cancel For Any Reason are still covered by standard Trip Cancellation. This means if they are forced to cancel for a covered reason on a standard Trip Cancellation policy, such as unforeseen illness or injury, they can still be reimbursed for 100% of their non-refundable trip costs. If they need to cancel for a reason that is not covered, they may be reimbursed by the Cancel For Any Reason benefit.

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.

Looking for a policy with Cancel For Any Reason coverage?

Enter your trip information on our custom search 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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Cancel For Any Reason by Provider

Last Updated: 08/25/2022
AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
1

Platinum

Optional coverage
This benefit is separate from Trip Cancellation

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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battleface battleface
Policy Name and Summary of Coverage
2

Travel Medical Single Trip

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

3

Explorer

Optional coverage
This benefit is separate from Trip Cancellation

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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4

Discovery Plan

Optional coverage
This benefit is separate from Trip Cancellation

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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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
5

ExactCare

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

6

LuxuryCare

Optional coverage
This benefit is separate from Trip Cancellation

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

ExactCare Lite

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

Cat 70 Cat 70
Policy Name and Summary of Coverage
8

Travel Plan

Optional coverage
This benefit is separate from Trip Cancellation

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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Generali Global Assistance Generali Global Assistance
Policy Name and Summary of Coverage
9

Standard

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

10

Preferred

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

11

Premium

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

GoReady Insurance GoReady Insurance
Policy Name and Summary of Coverage
12

Trip Cancellation Plan

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

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13

Choice

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON BENEFIT

If you purchased this optional coverage, we will reimburse you up to the amount in the Schedule, for the prepaid, forfeited, non-refundable Payments for your Trip, if you and all other Insured traveling with you cancel the Trip for any reason, provided:

1. your payment for this coverage is received within 24 hours of the date your initial deposit for your Trip is received; and
2. you are not disabled from travel at the time you pay your premium; and
3. you have insured 100% of all arrangements, that are subject to cancellation penalties or restrictions; and
4. the Trip cost per person is no more than $10,000; and
5. you cancel your Trip 48 hours or more Prior to your Scheduled Departure Date.

Limitations

Please be advised this benefit is not available unless all Insured under your coverage cancel the Trip.

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14

Choice

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON BENEFIT

If you purchased this optional coverage, we will reimburse you up to the amount in the Schedule, for the prepaid, forfeited, non‐refundable Payments for your Trip, if you and all other Insured traveling with you cancel the Trip for any reason, provided:

1. your payment for this coverage is received within 24 hours of the date your initial deposit for your Trip is received; and
2. you are not disabled from travel at the time you pay your premium; and
3. you have insured 100% of all arrangements, that are subject to cancellation penalties or restrictions; and
4. the Trip cost per person is no more than $10,000; and
5. you cancel your Trip 48 hours or more Prior to your Scheduled Departure Date.

Limitations

Please be advised this benefit is not available unless all Insured under your coverage cancel the Trip.

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15

Annual Plan

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

16

Pandemic Plus

Optional coverage
This benefit is separate from Trip Cancellation

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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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
17

TripProtector Preferred

Optional coverage
This benefit is separate from Trip Cancellation

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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IMG IMG
Policy Name and Summary of Coverage
18

iTravelInsured Travel Lite

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

19

iTravelInsured Travel SE

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

20

iTravelInsured Travel LX

75% of trip cost if purchased within 20 days of trip deposit

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 Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You cancel Your Trip no later than two (2) days prior to the Scheduled Departure Date of Your Trip.

You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.

This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

Special Conditions: In the event of a Cancel for Any Reason claim, You must advise the Travel Supplier and Us as soon as possible in the event of a claim or of learning of a potential need to cancel Your Trip prior to Your Scheduled Departure Date, whichever is sooner.

We will not pay benefits for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier and Us within the specified period.

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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21

iTravelInsured Travel LX Basic

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
22

Bronze

Optional coverage
This benefit is separate from Trip Cancellation

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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23

Silver

Optional coverage
This benefit is separate from Trip Cancellation

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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24

Gold

Optional coverage
This benefit is separate from Trip Cancellation

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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Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
25

Prime

Optional coverage
This benefit is separate from Trip Cancellation

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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26

Cruise Luxury

Optional coverage
This benefit is separate from Trip Cancellation

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 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 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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Seven Corners Seven Corners
Policy Name and Summary of Coverage
27

RoundTrip Choice

Optional coverage
This benefit is separate from Trip Cancellation

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 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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28

RoundTrip Economy

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

29

RoundTrip Elite

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL CANCEL FOR ANY REASON BENEFIT

Optional Coverage: Applicable only when purchased within 20 days at the time of original plan purchase and if the appropriate additional premium has been paid.

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 or Deposit for this Policy and enrollment form are received within 20 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 15 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 two (2) days 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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30

RoundTrip Basic

Optional coverage
This benefit is separate from Trip Cancellation

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 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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Tin Leg Tin Leg
Policy Name and Summary of Coverage
31

Luxury

Optional coverage
This benefit is separate from Trip Cancellation

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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32

Adventure

Optional coverage
This benefit is separate from Trip Cancellation

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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33

Gold

Optional coverage
This benefit is separate from Trip Cancellation

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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34

Silver

Optional coverage
This benefit is separate from Trip Cancellation

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;
2. Purchased at least 60 days prior to Your Scheduled Departure Date; and
3. 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 subsequent Covered Trip arrangement(s).

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;
b. You or Your designated representative cancels the Covered Trip no less than 48 hours prior to the Scheduled Departure Date;
c. You are medically able to travel at the time You purchase this Policy;
d. You insure 100% of Your prepaid Payments that are subject to cancellation penalties or restrictions;
e. The Covered Trip is cancelled 48 hours or more prior to Your Scheduled Departure Date; and
f. The booking for Your Covered Trip must be the first and only booking for the travel period and destination.

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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Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
35

Worldwide Trip Protector Plus

75% of trip cost if purchased within 21 days of trip deposit

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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36

Worldwide Trip Protector

Optional coverage
This benefit is separate from Trip Cancellation

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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Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
37

Travel Select

Optional coverage
This benefit is separate from Trip Cancellation

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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38

Flight Insure

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

39

Flight Insure Plus

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

TravelSafe TravelSafe
Policy Name and Summary of Coverage
40

Classic

Optional coverage
This benefit is separate from Trip Cancellation

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 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 the failure of the Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

Special Conditions: In the event of a Cancel for Any Reason claim, You must advise the Travel Supplier and Us as soon as possible in the event of a claim or of learning of a potential need to cancel Your Trip prior to Your Scheduled Departure Date, whichever is sooner.

We will not pay benefits for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier and Us 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.

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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41

Classic Plus

75% of trip cost if purchased within 21 days of trip deposit

CANCEL FOR ANY REASON BENEFIT

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 or Deposit for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; and

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 two (2) days 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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Trawick International Trawick International
Policy Name and Summary of Coverage
42

Safe Travels Single Trip

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

43

Safe Travels First Class

Optional coverage
This benefit is separate from Trip Cancellation

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 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 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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44

Safe Travels Annual Executive

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

45

Safe Travels Annual Deluxe

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

46

Safe Travels Annual Basic

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

47

Safe Travels Explorer

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

48

Safe Travels Journey

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

49

Safe Travels Voyager

Optional coverage
This benefit is separate from Trip Cancellation

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 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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50

Safe Travels Explorer Plus

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
51

Ruby

Optional coverage
This benefit is separate from Trip Cancellation

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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52

Diamond

Optional coverage
This benefit is separate from Trip Cancellation

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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WorldTrips WorldTrips
Policy Name and Summary of Coverage
53

Atlas Journey Preferred

Optional coverage
This benefit is separate from Trip Cancellation

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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54

Atlas Journey Premier

Optional coverage
This benefit is separate from Trip Cancellation

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 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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