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Top 3 CFAR Travel Insurance Plans for US Citizens

Top 3 CFAR Travel Insurance Plans for US Citizens

Travel Insurance gives you peace of mind if something like a trip cancellation, delay, baggage loss, natural disaster or sudden injuries affect your travel plans.

For U.S. citizens and residents traveling within the country or overseas, the right travel insurance policy will help you pay for medical care during your trip and protect you against financial losses resulting from canceled or interrupted travel plans.

It’s important to know that all travel insurance plans are not created equal. There’s no one-size-fits-all plan or policy. There are many travel insurance providers offering so many different plans. It can be a daunting task to find the best travel insurance for your needs.

As the saying goes, knowledge is power. We recommend that you compare and research travel insurance plan details carefully and be sure to read the fine print of the policy document before making your purchase. Once you know what the plans cover, and even more importantly, what they don’t, you’re well-positioned to make an informed decision.

Trip Cancellation Insurance

Travel insurance plans cover a broad range of reasons that can be used to make trip cancellation claims. Since all travel insurance policies differ, different providers will have a different list of covered cancellation reasons.

For example, some plans may offer cancellation coverage due to hurricanes or terrorism while others may not. The one thing all basic travel insurance policies have in common, however, is their limited cancellation coverage. If you have to cancel your trip for a reason not included on the list of covered circumstances, you may take a financial hit.

To cancel a trip for reasons outside those listed in a policy, you can opt for Cancel For Any Reason (CFAR) travel insurance.

Buying Cancel For Any Reason Travel Insurance

CFAR coverage is an add-on feature (optional paid upgrade) to a standard trip insurance policy. Before you’re eligible to buy CFAR, you need to insure 100% of your prepaid and non-refundable costs. That is, buy a base policy first and then add the CFAR as an add-on coverage benefit.

CFAR is only available if you buy the travel insurance policy within a set amount of days (usually 1 to 21 days depending on the policy provider) of your initial trip payment. 

There are a few fine points to consider:

  • Cancel For Any Reason covers up to 50-75% (varies with provider and plan) of prepaid and non-refundable costs.
  • If you cancel for any covered reason under your trip cancellation coverage, you will be covered for 100% of your insured trip costs.
  • Most policies will only allow canceling your trip under CFAR at least 2-3 days before the day of your trip.
  • The CFAR benefit must be used at least 2 days prior to your scheduled departure date. If you cancel within 48 hours of your scheduled departure, CFAR coverage may be invalid and you may not receive reimbursement.

How much does CFAR cost?

CFAR coverage adds 40% to the cost of your base travel insurance price and travel insurance typically costs between 5%-10% of your total trip cost. Let’s say your total trip cost is $5,000 and the price of your base travel policy is $500, (10% of trip cost), you might pay $200 to add CFAR insurance to your plan. In this case, the total cost to insure your trip with the CFAR add-on would be $700.

CFAR insurance may cost more than standard travel insurance policies but it gives you the flexibility of being able to cancel your trip plans for literally any reason. This is especially important as the world starts traveling again. We’re slowly moving past the pandemic but people are still understandably apprehensive about travel. A lot of travelers these days are booking flights far in advance and CFAR can help them navigate the unexpected.

Is CFAR insurance worth it?

Knowing that any circumstances are covered under CFAR and given the ever-changing landscape of the world today, the added cost of CFAR insurance can be worth it. CFAR policies fill in the coverage gaps of a basic travel insurance policy. 

In a standard travel insurance policy the list of cancellation reason covered may include:

  • Sudden injury
  • Illness
  • Natural disasters
  • Terrorism
  • Medical emergency evacuations

These limited plans may exclude travel cancellation due to circumstances like pre-existing conditions, pandemics, death of a pet, war, and more. Since life is unpredictable and plans are sometimes interrupted, CFAR can be a great tool to protect you against the worst-case scenarios.

Is CFAR insurance absolutely needed?

To insure yourself against all possible risks of canceling your trip, CFAR is needed. It can help recoup the costs that come with canceling your trip when unforeseen circumstances arise.

Here are some circumstances that make it more likely that CFAR is indeed needed:

  • Your trip is expensive.
  • Your trip involves multiple destinations.
  • You’re less than 100% certain you’ll be able to go.
  • You’re nervous about what might be happening in your destination country by the time the departure date comes around.
  • COVID-19 in your destination country might require quarantine.
  • Travel bans to and from your country of origin or your destination are more likely.

In these cases and more, spending a little extra for CFAR is a bargain considering that with only a standard travel insurance policy, you could lose thousands of dollars if you have to cancel your trip due to a non-covered reason. Whether to buy CFAR or not is up to you. The main thing is that you have coverage that satisfies your most important needs so that you stay safe physically and financially during your trip.

Our Top 3 CFAR Insurance Plans

To help you determine which Cancel For Any Reason plan is right for you, we created this visual for a side-by-side review of some of our best CFAR insurance plans for U.S. residents.

Safe Travel Voyager by Trawick International

The Safe Travels Voyager plan is designed for those in search of the highest available benefit limits to protect their trip.

Highlights of Safe Travels Voyager Plan

  • Comprehensive Coverage
  • Only available to U.S. citizens and U.S. Residents
  • Includes Primary Medical Coverage up to $250,000 per person
  • Covers trip costs up to $100,000 per person
  • Provides coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment
  • Trip Cancellation: 100% of Trip Cost
  • Trip Interruption: 150% of Trip Cost
  • Include trip delay of $2,000 for potential accommodations/lodging expenses
  • COVID-19 Medical Expenses are covered and treated the same as any other sickness
  • Baggage Delay $600 (8 hours or more)
  • Baggage and Personal Effects $2,500
  • 24 Hour AD&D $25,000
  • Meets Costa Rica Travel Insurance Requirements

The CFAR option covers 75% of the prepaid, non-refundable, forfeited payments paid for your trip if your trip gets canceled for any reason not otherwise covered by the policy. A generous 21 days is available to add the CFAR coverage after your initial trip deposit.

Worldwide Trip Protector Plus by C&F Travel Insured

The Worldwide Trip Protector Plus has the most comprehensive list of covered reasons for cancelling or interrupting your trip, including work-related reasons, bankruptcy, unfavorable weather, etc. The maximum trip duration under the plan is 180 days.

Highlights of Worldwide Trip Protector Plus

  • Available to U.S. Citizens and U.S. residents
  • Trip Cancellation: 100% of Trip Cost
  • Trip interruption: 150% of Trip Cost
  • Travel Delay (6 hours): $1,000
  • Missed connection (3 hours): $500
  • Accident and Sickness Medical Expense: up to $100,000
  • Cover COVID-19 like any other covered illness
  • Pre-existing conditions may be covered if certain criteria are met.
  • Medical Evacuation up to $ 1 million
  • Baggage & Personal Effects up to $1,000
  • Baggage and Personal Effects $2,500
  • Interruption for Any reason: Up to 75% of Non-Refundable trip cost
  • 24 Hour AD&D $10,000
  • Baggage Delay (12 hours) $300
  • Itinerary change $500

The CFAR coverage provides 75% reimbursement of your prepaid, non-refundable trip costs if you cancel your trip at least 48 hours prior to your departure time. You will need to purchase the plan within 21 days of your initial trip deposit date to be eligible for CFAR coverage.

TravelSafe Classic

The TravelSafe Classic plan is one of the most popular and comprehensive travel insurance plans by TravelSafe and has higher limits on all-important benefits such as medical evacuation.

Highlights of the Classic Plan

  • Available to U.S. Citizens and U.S. residents
  • Trip Cancellation: 100% of Trip Cost
  • Trip interruption: 150% of Trip Cost
  • Travel Delay up to $750
  • Missed connection (3 hours): $2,500
  • Accident and Sickness Medical Expense: up to $100,000
  • Covers COVID-19 like any other covered illness
  • Pre-existing coverage: Covered if the plan is purchased within 21 days of the initial trip deposit by the pre-existing condition waiver
  • Emergency Medical Evacuation up to $ 1 million
  • Baggage & Personal Effects up to $2,500
  • Interruption for Any reason: Up to 75% of Non-Refundable trip cost
  • 24 Hour AD&D $25,000
  • Baggage Delay (12 hours or more): $250
  • Itinerary change $500
  • 24x7 assistance service

As with other plans, the CFAR coverage provides 75% reimbursement of your prepaid, non-refundable trip costs if you cancel your trip 2-3 days before your departure date and have 21 days to add the CFAR after your initial trip deposit.

The Takeaways

  • The Cancel For Any Reason upgrade is time-sensitive; depending on the provider, it must be purchased 1-21 days of your initial trip payment.
  • CFAR insurance provides partial reimbursement for your trip costs if your trip is canceled for reasons not covered by your regular travel insurance policy and this is beneficial if your trip is expensive, involves multiple destinations, or you have any uncertainties about making the journey.
  • CFAR will generally cover between 50% and 75% of the trip cost, but you’ll need to insure 100% of your prepaid and non-refundable trip costs, which increase your policy’s premium by 40%.