Cancel for any reason travel insurance (2024)

FAQs

Does travel insurance allow you to cancel for any reason? ›

Cancel for any reason (also referred to as "CFAR") is an optional add-on benefit of travel insurance that lets you cancel travel plans for reasons other than those listed as "covered reasons" on a policy.

You'll usually need to provide evidence to support why you're cancelling – this could be a letter from your doctor if you're unwell or from your employer if you've been made redundant. For curtailment, most travel insurance policies ask the customer to contact the insurer before they decide to cut their trip short.

If you want more flexibility, you may need “Cancel For Any Reason,” or CFAR, coverage. Cancel For Any Reason travel insurance means exactly that: You can change your mind — regardless of why — and get a partial refund of what you paid without having to worry about meeting insurance coverage requirements.

Sickness, Injury or Death:

An injury, illness or death of you, your traveling companion, your traveling or non-traveling family member, your business partner or your destination host. This is the most common reason for trip cancellation.

The biggest difference between Trip Cancellation and Cancel For Any Reason is how and when coverage is triggered. Trip Cancellation requires the traveler to cancel for a reason specifically listed within the policy, while Cancel For Any Reason can cover other events that are not listed.

Examples of cancel reasons include: Event No Longer Happening. Room Requirements Changed. Found More Affordable Venue.

Some ideas of what to say:

I feel better sitting this one out. I hope things change in the future and then I can participate.” “I know I've gone to happy hours/work parties in the past, but after thinking about it more I'm realizing it's not something I feel comfortable going to.

Examples of valid reasons for cancellation include:

Fraudulent claims made by policyholder. Dishonest documentation or deceit by policyholder. Indications that a policyholder is a risk to the insurance company.

According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

What are valid reasons to cancel a flight and get a refund? ›

A Physician must advise to cancel the Trip on or before the Scheduled Departure Date. 2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

Trip cancellation coverage

In this, the travel insurance provider reimburses the cost of the non-refundable and pre-paid expenses like unused flight tickets and hotel bookings. Note that the coverage for trip cancellation can be claimed only for reasons that are mentioned in the policy document.

Travel insurance for trip cancellations

Travel insurance can help if you have to unexpectedly cancel your planned trip for a number of reasons, allowing you to claim back your non-refundable expenses and keep your money where it belongs… in your pocket.

When you're covered under someone else's policy. You may wish to cancel your insurance if you are a member of a household where another person has coverage and you can be added to their policy.