What is Cancel for Any Reason in travel insurance?

How is Cancel for Any Reason trip insurance different from trip cancellation insurance?

Knowing the difference between CFAR and trip cancellation insurance can help you pick the right coverage:

• Trip cancellation: Most comprehensive travel insurance plans typically include trip cancellation as a standard benefit. Insurers may reimburse up to 100% of your insured prepaid, nonrefundable costs if you cancel your trip for a specific, unforeseen covered reason. This may be a death in the family, a carrier-related issue, or an unforeseen natural disaster. Covered reasons vary by plan and may be limited.
• Cancel for Any Reason: Depending on your plan, this optional benefit offers partial reimbursement — up to 50% to 75% of prepaid, nonrefundable costs if you cancel for any reason, even those not typically covered by your comprehensive travel insurance policy. You usually must buy CFAR within 10 to 21 days of your initial trip deposit. Depending on the plan, cancellation with your travel supplier must occur at least 48 to 72 hours before your trip — the required timeframes vary by policy.

Learn more about how travel insurance works.

When should I consider CFAR?

When deciding whether to purchase trip insurance with Cancel for Any Reason, consider the following situations when it might be especially useful:

• You're planning an expensive trip and want a little more peace of mind.
• You're booking far in advance and worry that your plans might change.
• You want coverage for reasons not included in standard travel insurance policies.

What's covered by Cancel for Any Reason?

CFAR travel insurance may help cover prepaid, nonrefundable flight and trip costs that aren't included under the "covered reasons" in your comprehensive travel insurance plan.

To qualify, you must insure 100% of your prepaid nonrefundable trip costs and follow the rules for buying CFAR. If you're eligible, CFAR typically reimburses 50% to 75% of your trip costs.

Here are some examples of when Cancel for Any Reason trip insurance coverage may come in handy:

• Your new passport didn't arrive on time.
• You're worried about safety at your destination, such as wildfires, political unrest, or a forecasted hurricane. Unless one of these issues makes the destination uninhabitable, regular trip cancellation won't cover it.
• A family or work issue stops you from traveling.
• Your travel companion cancels, and you don't want to go alone.
• Your flight or itinerary changes, and you don't like the new plan.
• A preexisting condition makes it hard for you to travel. (Standard trip cancellation policies typically only protect you in cases of illness or injury.)
• You start a new job and can't take the trip.
• Travel guidelines for your destination change, advising against travel.

What are the requirements for CFAR insurance?

Each insurance policy is unique, so be sure to check the details when adding flight insurance with Cancel for Any Reason coverage. While the timeframes may vary slightly, the following guidelines apply to CFAR coverage through Progressive with InsureMyTrip:

• Time limit to purchase: You must typically purchase a policy within 10 to 21 days of your initial trip payment to be eligible for CFAR benefits.
• Time limit to redeem: Many CFAR policies mandate that you cancel your plans and notify all travel suppliers at least 48 hours prior to your scheduled departure. Some travel insurance companies require cancellation no less than 72 hours before departure. Beyond that window, you must cancel your trip for a stated "covered reason" under your policy details.
• Coverage amount: Most policies require you to insure 100% of your prepaid, nonrefundable trip cost in order to qualify for Cancel for Any Reason coverage. If you only want to insure certain parts of your trip, you may not qualify for CFAR.
• Refund amount: Many CFAR plans reimburse travelers for 75% of their prepaid, nonrefundable expenses, while some reimburse 50%.

How to get CFAR through Progressive

You can get trip insurance with Cancel for Any Reason through Progressive's trusted provider, InsureMyTrip. InsureMyTrip lets you compare plans, read reviews, and quote travel insurance from top providers that offer CFAR coverage. Not all plans include CFAR, so check your policy details carefully.

Compare and quote travel insurance with InsureMyTrip through Progressive today.

Online

Browse travel insurance plans that cater to your itinerary and then choose your coverages and start date.

Talk to a rep

Call 1-844-276-1214 to speak with a licensed travel insurance representative about the options for your particular itinerary and needs.