Life does not always follow an itinerary. Explore our optional add-on that broadens your cancellation options.
You can't always predict what will happen between booking a trip and departure day. Maybe your priorities change, something unexpected comes up or you simply decide the trip is no longer right for you.
Cancel for Any Reason, also known as CFAR, is an optional add-on available on select Travel Guard® travel insurance plans that provides extra flexibility before departure. If you meet the plan requirements, CFAR coverage may reimburse a portion of your prepaid, nonrefundable trip expenses if you decide to cancel — for any reason.
Feature |
Details |
|---|---|
Coverage type |
Optional add-on on select travel insurance plans |
Available plans |
Deluxe, Preferred |
Purpose |
Provides additional cancellation flexibility |
Covered cancellation reasons |
Any reason for cancellation |
Reimbursement amount |
Up to 50% of insured trip cost |
Purchase requirement |
Must be purchased within 15 days of the initial trip payment and be selected at the same time as the base plan. |
Cancellation deadline |
Must cancel trip more than 48 hours before scheduled departure |
Eligible expenses |
Eligible prepaid, nonrefundable trip costs insured under the travel insurance plan |
Availability |
Subject to state availability and policy terms |
Cancel for Any Reason coverage allows travelers to cancel for reasons other than those covered by the standard travel insurance plan if all requirements are met.
If you meet all requirements, this add-on travel insurance coverage may reimburse up to 50% of your insured, prepaid and nonrefundable trip costs. That means you may be able to recover a portion of your travel expenses instead of losing the full amount you've already paid.
You can add Cancel for Any Reason coverage when you purchase our Deluxe or Preferred Plan, if you buy it within 15 days of your first trip payment.
If you add CFAR coverage and later decide not to take your trip for a reason that isn't covered by standard Trip Cancellation coverage, you may be eligible for reimbursement if you cancel your trip at least 48 hours before departure and meet all plan requirements.
For eligible claims, this add-on may reimburse:
Your total reimbursement cannot exceed 50% of your insured trip cost.
Important things to know about CFAR coverage:
Notify your travel supplier as soon as possible after canceling your trip, ideally within 72 hours of cancellation. This can help you avoid additional cancellation penalties that may not be eligible for reimbursement.
Cancel for Any Reason trip insurance coverage isn't necessary for every traveler, but it’s important to consider if you appreciate having additional options to help protect what you’ve invested in your trip.
You may want to consider this add-on travel insurance option if:
Many travelers choose the CFAR add-on because it can help reduce the financial impact of canceling a trip they cannot take or no longer want to take.
Trip Cancellation coverage applies when you cancel for a covered reason, while Cancel for Any Reason coverage allows you to cancel for other reasons not listed in your policy.
For example, Travel Guard’s Trip Cancellation coverage may help if you can't travel because of an unexpected illness, injury or other covered event. If your travel insurance plan does not cover your reason for calling off your trip, Trip Cancellation coverage may not apply.
If you add Travel Guard’s CFAR add-on to the Deluxe or Preferred Plan and meet all requirements, you can cancel for any reason and receive reimbursement of up to 50% of your insured trip cost.
Trip Cancellation |
Cancel for Any Reason |
|---|---|
Requires a covered reason |
Does not require a covered reason |
Included in Deluxe, Preferred and Essential Plans |
Optional add-on on Deluxe and Preferred Plans |
Applies to covered events listed in the policy |
Applies to any reason for cancellation |
Imagine you've had a trip to the Bahamas booked for months. Shortly before departure, a friend invites you to a concert you'd rather attend.
Because choosing to stay home for a concert typically isn't a covered reason under standard Trip Cancellation coverage, you may not be eligible for reimbursement under that benefit.
If you purchased Travel Guard’s CFAR option, you may be able to file a claim for reimbursement of up to 50% of your insured trip cost.
For example, if you insure a $1,000 trip and meet all CFAR requirements, your maximum reimbursement could be $500. Your actual reimbursement depends on your plan, eligibility requirements, claim documentation and claim determination.
Travel insurance with Cancel for Any Reason coverage may be worth considering if you:
Many travelers choose the CFAR add-on because it can help reduce the financial impact of canceling a trip for reasons that aren't covered under standard Trip Cancellation coverage.
Travel Guard’s Deluxe and Preferred plans offer Cancel for Any Reason coverage as an add-on, but it’s not automatically included.
If you’d like to be able to cancel your trip for any reason, select either plan when you get a Travel Guard quote and include the CFAR add-on.
For Travel Guard’s Deluxe and Preferred travel insurance plans that offer Cancel for Any Reason coverage, approved claims may reimburse up to 50% of insured trip costs.
Keep in mind that CFAR benefits are subject to policy terms and conditions, so review your plan’s Policy of Insurance carefully when you get a quote.
Most travel insurance providers require you to purchase Cancel for Any Reason coverage when you buy your travel insurance plan and within a limited period after making your initial trip deposit.
Travel Guard’s CFAR coverage only applies when selected at the same time as the Deluxe or Preferred Plan and within 15 days of your first trip payment.
No, you’re only eligible for Cancel for Any Reason coverage if you purchase it with your travel insurance plan.
If you buy Travel Guard’s Deluxe or Preferred Plan and decide days later that you’d like to add the CFAR add-on, you will not be eligible.
For Travel Guard travel insurance plans, you must cancel two days or more before your scheduled departure date to be eligible for Cancel for Any Reason benefits.
If you want to cancel your trip and have Travel Guard’s Cancel for Any Reason coverage, notify your airline, cruise line, hotel, tour operator or other travel supplier as soon as possible after deciding to cancel.
Typically, you should notify your travel supplier within 72 hours of canceling your trip. If you wait longer and incur additional cancellation fees, those extra charges may not be eligible for reimbursement.
If something prevents you from notifying your travel supplier within that timeframe, you may need to provide documentation showing why you were unable to do so.
Yes, Cancel for Any Reason coverage can cover flights if you can’t take your trip.
At Travel Guard, CFAR coverage may apply to prepaid, nonrefundable airfare if it’s insured under your travel insurance plan and you meet all plan requirements.
Yes, Cancel for Any Reason coverage can apply to cruise vacations.
Many travelers purchase cruise insurance with cancel for any reason coverage because trips at sea often involve significant prepaid and nonrefundable expenses.
No, Cancel for Any Reason travel insurance coverage typically applies only to eligible prepaid, nonrefundable trip expenses.
If a travel supplier refunds an expense, that amount is typically not eligible for reimbursement under a CFAR travel insurance claim.
No, you typically do not need to provide a reason for cancellation for a Cancel for Any Reason claim. However, you must still meet all coverage requirements and provide the documentation required to process a claim.
Additionally, it’s possible that your reason for canceling could be covered under Trip Cancellation coverage. Trip Cancellation coverage can reimburse a higher amount of your trip cost than the CFAR add-on, so explaining your cancellation reason may be worthwhile.
Cancel for Any Reason claim requirements vary by provider but often include:
Travel Guard travel insurance claims are reviewed individually, and the required documents may vary based on the trip, expenses claimed and plan requirements.
The best travel insurance plan with Cancel for Any Reason coverage for your trip depends on your destination, trip cost, travel style and the level of protection you're looking for.
When comparing plans, consider:
If you’re interested in a Travel Guard travel insurance plan with CFAR, our Deluxe Plan offers our highest overall benefit limits. In addition to the optional CFAR add-on, the Deluxe Plan offers:
You can buy Cancel for Any Reason travel insurance online or over the phone when purchasing an eligible travel insurance plan.
If you’re considering a Travel Guard travel insurance plan, you can get a quote online to see whether CFAR coverage is available for your trip.
The cost of Cancel for Any Reason travel insurance coverage varies based on factors such as your:
Because CFAR coverage is an optional add-on, it will increase the cost of your travel insurance plan compared to a plan without CFAR coverage.
For Travel Guard travel insurance plans, pricing varies by traveler and trip details. The easiest way to determine the cost of the CFAR add-on for your trip is to get a quote based on your specific travel details.
My wife and I had signed up for a trekking trip to Peru. A few months before the trip my wife developed a problem with her foot that ultimately required surgery. She was not able to go trekking. Travel Guard made it very easy for me to submit all the necessary documentation to make a claim for my wife’s trip amount online.
All was very straightforward, and my claim was honored with no muss or fuss. From that time, all our trips are insured with Travel Guard.
- Jay
Want to see more traveler experiences? Visit our travel insurance testimonials page for firsthand stories from customers who had to change or cancel their trips.
Ready to get Cancel for Any Reason travel insurance coverage?
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Coverage available to residents of U.S. states and the District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. Similar travel insurance coverage, offered by Travel Guard or another insurance provider, may be available through a variety of other sources, but may be subject to different terms and conditions (i.e. benefits, limits, exclusions, etc.). You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance may be underwritten by American Zurich Insurance Company, a New York company (NAIC No. 40142), Zurich American Insurance Company, an Illinois company (NAIC No. 16535), each having its principal place of business at 1299 Zurich Way, Schaumburg, IL 60196, or National Union Fire Insurance Company of Pittsburgh, Pa. (NAIC No. 19445), a Pennsylvania insurance company, having its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. Please review the Plan offered to or purchased by you to confirm the underwriting insurer for your specific policy of insurance. Coverage may not be available in all states. Travel assistance services provided by Travel Guard.
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