Sign In
VisitorsCoverage logo

Why Cancel For Any Reason Travel Insurance Matters

Cancel For Any Reason Coverage, or CFAR, may be included in your trip insurance plan or may be purchased as an optional add-on benefit to your trip insurance policy.

Whether your trip needs to be canceled due to unforeseen circumstances or any reason that isn't typically covered, CFAR provides a valuable solution. It can cover expenses that would otherwise be considered nonrefundable, making it a comprehensive choice for those seeking travel insurance that gives them the flexibility of trip cancellation for any reason.

With the Cancel For Any Reason coverage, you can typically recover 50-75% of your non-refundable trip costs when canceling for reasons not covered by standard policies. This means, for example, if you've invested $5,000 in non-refundable expenses and have CFAR insurance, you could receive $2,500–$3,750 back, no questions asked – funds that would otherwise be completely lost.

Having to scramble to make last-minute changes is stressful and losing a large quantity of money in the process will only make matters worse. The real value of CFAR travel insurance lies in the freedom it provides. Having the ability to cancel your trip without needing to justify your decision to an insurance provider eliminates stress and uncertainty. You can make travel decisions based on your comfort level and changing circumstances, knowing your investment remains protected.

Cancel For Any Reason Insurance Offers the Following Benefits:

  • Cancel Your Trip For Any Reason
  • Flight/Transportation Cancellation
  • Trip Interruption
  • Trip delay
  • Missed Flight Connections
  • Emergency Medical Evacuation
  • Accident and Sickness
  • And More. . .

CFAR enhances your overall travel protection by working alongside the benefits already included in your chosen trip insurance policy, ensuring protection both before departure and during your trip.

Why Should I Purchase Cancel For Any Reason Trip Insurance?

There are a number of reasons why purchasing CFAR insurance is beneficial, including:

CFAR Ensures Complete Coverage


Travel insurance covers a variety of occurrences and difficulties that are out of your control. Once a trip officially starts, travelers can benefit from trip delay, trip interruption, and trip cancellation insurance if your departure or return is delayed, if you need to abruptly cease your vacation, or if you need to cancel for particular, covered circumstances.

Adding on Cancel for Any Reason insurance covers the occurrences that are in your control and happen before your trip, leaving no stone unturned during your travels.

Most Cancellations Occur Far In Advance


The majority of cancellations occur well in advance of the departure date. In fact, nearly 30% of the time, travel cancellations occur 60 to 90 days before the scheduled departure date. In these situations, Cancel For Any Reason insurance comes in handy.

Plans Can Always Change


It's a good idea to plan ahead, but it's hard to anticipate every scenario. Unexpected occurrences may require your immediate attention, even if you've been planning a vacation for months. In some cases especially due to the pandemic you can simply be too stressed to go.

People cancel their vacations due to a variety of factors, including stress. While these situations aren't normally covered by a standard trip insurance policy, travelers with Cancel For Any Reason insurance can be reimbursed for money they might otherwise lose due to scheduling complications.

What Are the Parameters for Cancel for Any Reason Travel Insurance?

  • Timely Purchase Requirement

CFAR is a time-sensitive add-on. You must purchase CFAR within 20 days of the date of the first payment you made for the trip in question (i.e. your hotel booking, flight ticket purchase, etc.).

  • Coverage Percentage

CFAR allows you to recover 50-75% of your non-refundable trip costs, depending on the specific policy you select. The exact reimbursement percentage will be clearly stated in your policy documents.

  • Cancellation Timeframe

To be eligible for CFAR benefits, you must cancel your trip at least 48 hours before your scheduled departure, offering flexibility nearly up until your departure date.

  • Complete Trip Coverage

With CFAR, you can’t pick and choose which part of your journey you want to insure; so, when purchasing CFAR coverage, you must insure 100% of your pre-paid, non-refundable trip costs. This requirement ensures a smoother process during cancellation and comprehensive protection for your entire trip investment.

How Much Is Cancel For Any Reason Insurance?

CFAR coverage appears to be a promising strategy to protect against various travel uncertainties. But how much does it cost exactly? This add-on benefit's cost is usually determined as a percentage of the cost of the base insurance policy you choose.

The Cancel For Any Reason add-on benefit cost is typically about 40-50% of your base premium. For example, If your trip plan premium is $100 and you add the CFAR rider, your premium would typically increase to $140-$150.

While this represents an additional cost, many travelers find the investment worthwhile for the flexibility and peace of mind CFAR provides. When considering the potential financial loss from a canceled trip versus the premium cost, CFAR often represents good value, especially for expensive trips.

Is Cancel For Any Reason Insurance Worth It?

When deciding on CFAR coverage, consider the following:

Trip Investment

The more you’ve spent on non-refundable travel, such as luxury cruises or international vacations, the more valuable CFAR becomes. It helps protect significant financial commitments.

Planning Timeline

Booking six months or more in advance increases the chance that plans may change. CFAR provides added flexibility throughout that extended period.

Personal Circumstances

If your schedule is affected by work demands, family needs, or other uncertainties, CFAR offers peace of mind that standard insurance may not provide.

Destination Risks

For areas with unpredictable weather, political unrest, or other concerns, CFAR allows you to cancel based on evolving conditions without losing your investment.

Peace of Mind

Some travelers simply prefer having full control. If flexibility and avoiding cancellation stress are priorities for you, CFAR can be worth the extra cost.

Should You Buy CFAR Insurance?

At the end of the day, purchasing Cancel For Any Reason insurance comes down to personal preference. Travel insurance is, after all, an optional cost. If you've invested a lot of money into an expensive vacation, purchasing CFAR could certainly be a smart choice.

If anything were to go wrong or you needed to cancel the trip, the extra money invested in CFAR would potentially result in saving thousands of dollars you may have otherwise lost.

Likewise, in a post-Covid word with more travel restrictions and mishaps occurring regularly, travelers are more inclined to be prepared for any uncertainty during travel. Although travel restrictions are changing all the time, CFAR also protects you in case you don't feel comfortable traveling. There's nothing wrong with postponing a trip so you feel safer and more comfortable down the line.

Although that reason generally won't be covered with most travel providers, purchasing CFAR will allow you the freedom to make those decisions.

How Do I Buy Cancel For Any Reason Travel Insurance?

Cancel For Any Reason Travel insurance can't be bought on its own; instead, it's an add-on to a basic trip insurance policy. Once you find the trip insurance policy that suits your needs, you can purchase this add-on to receive the ability to cancel for any reason and still receive reimbursements.

See What Customers Have to Say

VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!

Jessica

Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me.

Ginny

Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!!

Brad

Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes.

Kavitha

Helpful articles

Cancel For Any Reason Insurance FAQs

We’ve got you covered.

At VisitorsCoverage, you can easily compare Cancel for Any Reason Insurance plans and buy them online, quickly and without excessive paperwork. Cancel for Any Reason Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.

Related products

Trip Delay Insurance
Trip Delay Insurance
Multi-Trip Insurance
Multi-Trip Insurance
Trip Cancellation Insurance
Trip Cancellation Insurance
Business Travel Insurance
Business Travel Insurance

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Luna
VisitorsCoverage Support