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The Guide to Cancel For Any Reason (CFAR) Travel Insurance

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Table of Contents

What is Cancel For Any Reason travel insurance?

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CFAR coverage is sold as an optional add-on to a comprehensive travel insurance policy.

Expect to pay another 3% of your trip cost to get this coverage.

CFAR typically covers up to 75% of nonrefundable expenses. You will not get all of your money back.

CFAR only covers eligible expenses; check your terms to determine which down payments count.

Travel insurance can help you get your money back if you have to cancel a trip — but only if you cancel for certain reasons. 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.

The main details to know about Cancel For Any Reason travel insurance are:

CFAR is supplemental coverage that offers partial reimbursement when you cancel a nonrefundable trip for any reason that isn't covered by your travel insurance policy.

You cannot buy CFAR on its own; it’s an optional upgrade added when you buy primary travel insurance.

Not every trip insurer offers it, and not every plan is eligible for the add-on.

It is the only type of coverage that will offer reimbursement if you cancel a trip for any reason.

Yes — for any reason, including fear of travel. When you buy CFAR coverage, you can cancel your trip for any reason without worrying that you’ll lose your entire prepaid, nonrefundable vacation deposit.

The reason doesn't matter as long as you cancel within the allowable time frame (usually two days in advance) and you’ve insured the entire nonrefundable cost of your trip.

What doesn’t qualify for a claim?

Refundable expenses don’t qualify. For example, if you book a flight, cancel your trip and receive a refund or a travel voucher, you can’t claim it afterward. If you redeemed airline rewards and got the miles redeposited, that also doesn’t qualify for a reimbursement.

Additionally, if you accept a voucher or credit from a hotel or airline for a canceled trip, your claim may be ineligible for CFAR insurance reimbursement. However, if you’re provided with only a partial voucher/credit for the trip or have leftover unreimbursed expenses, you can claim the remaining amount.

Let’s say you received a voucher for a canceled flight to Amsterdam but your hotel reservation wasn’t refundable and you couldn’t use your prepaid ticket to the Van Gogh Museum. In that case, you can still claim the nonrefundable expenses, minus the flight.

CFAR has a few limitations:

It doesn't offer full reimbursement.

Different policies have varying reimbursement percentages ranging from 50% to 75%.

A trip cannot be canceled at the last minute. You will need to cancel usually two days in advance to get reimbursed.

You are required to insure 100% of your nonrefundable trip costs; you can’t pick and choose which parts you want to insure.

You have a limited number of days (10 to 21 days depending on the policy) after buying a nonrefundable trip to add the CFAR option.

Regular travel insurance restricts when you can get reimbursed for canceled travel. For example, you might get a full refund if you, a family member or a traveling companion gets sick before your trip and you have a doctor’s note to validate your claim. Other valid reasons under some trip insurance policies include circumstances like:

Terrorist attacks.

Natural disasters.

Bankruptcy of the carrier.

Travel insurance typically won’t help if you want to cancel because you’re afraid of getting sick. Many people found that out as the coronavirus was starting to spread in 2020. Buying CFAR coverage is usually the only way to get a partial refund of your prepaid, nonrefundable trip.

Also, travel insurance policies usually exclude pandemics from coverage. Once the World Health Organization officially declared COVID-19 a pandemic on March 11, 2020, policies with pandemic exclusions wouldn’t cover illness or losses related to COVID-19.

Every policy is different, and you’ll need to review the fine print to see what is and isn’t covered.

How much does CFAR travel insurance cost?

Cancel For Any Reason coverage will likely add about 50% to your total travel insurance bill. According to the U.S. Travel Insurance Association, a complete travel insurance policy will usually cost about 4% to 8% of the trip's cost.

Based on these numbers, if you buy CFAR coverage along with travel insurance, your total out-of-pocket cost will be 6% to 12% of your trip.

A sample of CFAR coverage cost

To test these numbers, we searched for travel insurance policies that offer a CFAR upgrade on Squaremouth , a travel insurance comparison site. In the chart below, we’ve included four providers that offer Cancel For Any Reason coverage. The figures are based on a nonrefundable $1,000 one-week trip to Mexico in April taken by a 30-year-old U.S. citizen.

For each of the policies listed, travel insurance was from 4% to 8% of the total trip cost. CFAR coverage increased the cost of travel insurance by roughly 40%-50%. The cost of travel insurance inclusive of CFAR represented 5% to 12% of the total trip cost.

As you can see, CFAR is a pricey upgrade. Though these numbers may not look excessive, they are based on a one-week $1,000 trip. If you want to protect a two-week $5,000 trip (or a bigger one), the cost of CFAR increases considerably.

» Learn more: How to find the best travel insurance

Will CFAR give me a full refund of my trip?

No. Typically, CFAR coverage includes a 75% reimbursement of prepaid nonrefundable trip plans. That is the appeal of the pricey CFAR add-on.

Let’s consider the example above. CFAR coverage under those policies reimburses 75% of the total trip cost. If you buy travel insurance for this trip (without CFAR) and need to cancel for a noncovered reason, you will lose the $1,000 you paid.

However, if you buy the CFAR option and cancel your trip, you will be reimbursed $750 and lose $250. You’re essentially paying an extra $16-$40 to safeguard $750 of your trip, no matter the reason for your cancellation.

If you’re having second thoughts about a trip you’re planning and suspect you may need to cancel it, CFAR could provide peace of mind.

1. Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

With Seven Corners , you must insure your trip within 20 days of the first deposit to be covered for 75% of the trip cost.

The cancellation must not occur within two days of the scheduled departure. This benefit isn’t available in all states.

Tin Leg provides the option to cancel for any reason on some of its policies and reimburses up to 75% of nonrefundable expenses for a covered trip.

You must buy coverage within 14 days after paying a deposit, cover the full cost of all nonrefundable costs and cancel the trip no fewer than two days before departure.

Allianz Global Assistance provides AAA’s travel insurance policies. Some AAA travel insurance plans offer a Cancel For Any Reason add-on. You can’t buy such coverage online and must talk to an agent first.

4. Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard offers the CFAR option as an upgrade to select comprehensive plans.

To qualify for a partial refund, you must buy the CFAR upgrade within 15 days of the initial trip deposit, cancel the trip more than 48 hours before departure and insure all prepaid, nonrefundable costs when buying the policy.

5. Trawick International

• Many different plan options.
• CFAR available as an add on.
• Specialty coverage for adventure sports (SafeTreker Basic).
• Reports of long resolution processes.
• Low customer service rating on SquareMouth.

Cancel For Any Reason insurance is available as an add-on to the following protection plans by Trawick International : Safe Travels First Class and Safe Travels Voyager.

You must buy the coverage within 14 to 21 days of making your first trip payment (depending on the plan) and cancel the trip no fewer than two days before departure.

Most trip insurance providers limit the time during which you can buy CFAR coverage. We reviewed 16 travel insurance policies that offer CFAR as an optional upgrade and found that this add-on must be bought within 10 to 21 days of making your initial trip payment (depending on the company).

In the case of cruise-specific policies, you must buy CFAR coverage before the final payment date of your cruise. You cannot buy a CFAR supplement if your trip has begun.

If you buy travel insurance from a comparison site like Squaremouth, you can filter by policies that offer a CFAR upgrade. When choosing a policy, make sure to select the Cancel For Any Reason add-on (remember, it is optional).

Not every insurance company offers CFAR, so if you’re buying directly from a provider, check to see whether CFAR is available before you buy. Cancel For Any Reason coverage may not be available in every state, and policies may have changed because of the coronavirus pandemic.

» Learn more: Is there travel insurance that covers COVID quarantine?

If you’re interested in adding this type of coverage to your travel insurance policy, these providers are a good place to start your search.

If you have any inclination that you may cancel your trip — be it for personal, professional, health, family or other reasons — paying the upcharge for this optional add-on will be worth it.

Rather than being out all of your prepaid, nonrefundable expenses, you'll lose 25%-50% of those costs.

If you booked your trip with a credit card that offers travel insurance , like the Chase Sapphire Preferred® Card , paying out of pocket for CFAR coverage may not be a smart money move.

Cross-check your card's insurance benefits and coverage limits with the CFAR policy in question so you can make the right decision for you.

Look closely at transit and lodging cancellation and refund policies because having CFAR coverage may not be necessary for your specific trip plans. If the airline will credit your account with the full value of the ticket, you might be comfortable forgoing getting that money back in your personal bank account (rather than tied up in your loyalty account).

Similarly, some hotels offer generous refund policies for certain bookings, and vacation rentals vary in timelines for eligible refunds.

Trip cancellation provisions under travel insurance policies have a lot of exclusions. Wanting to cancel because you’re scared to catch the coronavirus isn't an allowable reason under these policies. The only way to protect a nonrefundable trip is to buy CFAR coverage. If you do cancel, make sure you do so in the allowable time frame (two days for many providers).

Similar to the trip cancellation coverage provided by travel insurance policies, credit card trip cancellation coverage has a long list of exclusions. Acceptable reasons for trip cancellation coverage can include bankruptcy, terrorist attacks and extreme weather that prevents a trip from starting. Changes in plans are generally not covered. The only way to protect your nonrefundable trip is to buy travel insurance and get a CFAR optional upgrade.

If it has been more than 10 to 21 days (based on the policy) since you made your initial trip payment, it’s probably too late to buy CFAR coverage. If you’re planning a cruise, CFAR must be bought before your final payment, in most cases.

No, you must add a Cancel For Any Reason insurance upgrade to an existing policy. Not all travel insurance policies offer the option to add the CFAR portion, so make sure you read the terms carefully before buying a plan. You can call the insurance provider if you can’t find the information online.

Trip cancellation clauses cover a list of events, such as natural disaster, an airline strike, a hurricane or jury duty, which are typically spelled out in a policy. If a reason isn’t listed, it’s not covered. A CFAR policy, by definition, covers events not specified in the policy, such as border closures or fear of travel, meaning you can cancel without disclosing the reason for cancellation. A standard trip cancellation policy still applies because you buy the two benefit components together. This means that if you have to cancel for a covered reason, you might be eligible for 100% reimbursement instead of the partial refund that a CFAR plan provides.

Because you have to claim 100% of your nonrefundable trip expenses on a CFAR policy, you should be able to identify them. Typically, these expenses are anything you’ve paid for and likely won’t be refunded if you cancel. Examples include: flights that can’t be refunded, a deposit for a Danube cruise, a monthlong Airbnb in Spain, airport transfers in Cancun, amusement park tickets bought for specific dates, a cooking class in Bali, you name it. If you can’t get a refund, it qualifies.

The coronavirus has had a significant impact on travel. Many people have had to cancel trips, and some are still hesitant to plan vacations. Though standard travel insurance can protect you when unforeseen circumstances affect you before or during your trip, the coverage comes with a lot of limitations and exclusions.

The best way to protect a nonrefundable trip is to buy a Cancel For Any Reason optional upgrade because it will allow you to cancel for any reason and still receive a sizable reimbursement.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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Plan with Confidence

The Travel Protection Plan, offered by Viking and administered by Trip Mate, a Generali Global Assistance & Insurance Services brand, provides additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip.

Trip Interruption or Cancellation

If your trip is interrupted or cancelled due to a covered emergency, weather issue, or other unforeseeable event, you may be reimbursed.

Accident or Sickness & Medical Repatriation

Emergency medical or dental expenses during your trip may be covered, including costs of circumstances that may arise from any illness, including COVID-19. Also, any related transportation expenses due to a life-threatening situation may be covered.

Baggage & Personal Items

Baggage or personal items—such as passports or visas—that are lost, damaged or stolen during your trip are covered up to the plan limits. Additionally, you may be reimbursed for incurred expenses should your baggage be delayed for 24 hours or more during your trip.

Cancel For Any Reason

If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers.

Protect Your Investment Now

To purchase this plan, obtain a quote, or for any other questions, please call Viking at 1-877-668-4546.

The Travel Protection Plan Details

For your convenience, Viking offers a Travel Protection Plan administered by Trip Mate, a Generali Global Assistance & Insurance Services brand. This may help protect your travel investment, your belongings and most importantly, you, from many unforeseen circumstances that may arise before or during your trip, including costs of circumstances that may arise from any illness (including COVID-19*). The Travel Protection Plan includes a non-insurance Cancel For Any Reason Waiver (provided by Viking), Travel Insurance Benefits (underwritten by Generali- U.S. Branch) and Assistance Services (provided by Generali Global Assistance). Payments are for the full Travel Protection Plan, which is made up of the Part A Non-Insurance Cancel For Any Reason Waiver, and Part B Insurance Benefits, and Assistance Services (a separate fee for Assistance Services is included in the Plan Payment). Individuals looking to obtain additional information regarding the features of each travel plan component, please contact Trip Mate at [email protected] .  Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. Plan benefits, limits and provisions vary by state/jurisdiction and not all coverage is available in all states. To review full plan details online and Important Disclosures, go to:  www.tripmate.com/wpGR625V .

*COVID-19 is treated the same as any other sickness. The plan requires a sickness to be “examined and treated by a physician”. We consider all PCR or laboratory tests to have been administered by a physician.

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WHY TRAVEL PROTECTION? Your vacation is an investment of time and money. Delta Vacations, in conjunction with Trip Mate, the foremost provider of travel protection plans and travel insurance, help assure your investment, yourself, and your family are protected from the unexpected.

PLAN OPTIONS AT A GLANCE

We offer two travel protection options for you to choose from:

• Travel Protection Plan — offering basic coverage
• Travel Protection Plan PLUS  — a more extensive option — including all of the benefits with the Travel Protection Plan — PLUS a lowest-price guarantee and more convenient method of payment on your refund

Travel Protection Plan

With the Travel Protection Plan, you're provided with pre- and post-departure coverage.

Lowest price guarantee

Cancel for any reason

Refund of cancellation fees

Documentation required

Purchase period

For Complete Details go to: 

Travel Protection Plan PLUS

Received in the original form of payment 1

May be purchased any time prior to final payment 1

www.tripmate.com/wpF409N  , opens in a new window

Received in the form of a Delta Vacations voucher 2

May be purchased any time prior to final payment 2

www.tripmate.com/wpF409B , opens in a new window

1 The Cash Back refund option, coverage of pre-existing conditions and Price Protection only applies if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip (and for pre-existing conditions, must not be disabled from travel at the time the plan is purchased). 2 The Cancel For Any Reason Waiver and coverage of pre-existing conditions applies only if the Travel Protection Plan is purchased within seven (7) days of your initial deposit for your trip, and must not be disabled from travel at the time the plan is purchased.

Cancel For Any Reason Waiver (provided by Delta Vacations)

• The standard coverage of the Travel Protection Plan protects the cost of your vacation and protects you from most cancellation penalties. Also, you can cancel for any reason, and have comfort in knowing that your travel investment is protected. You must cancel before your scheduled departure.
• The Cancel For Any Reason Waiver is provided by Delta Vacations, and is not an insurance benefit underwritten by United States Fire Insurance Company.

In addition to Pre-Departure Trip Cancellation, the plan includes other benefits to help protect you from the unexpected during your vacation, such as:

• Medical and emergency assistance — includes benefits up to $25,000 for medical expenses, emergency medical transportation and 24-hour emergency assistance service for illness or injury during the trip.
• Post-departure trip interruption — covers you up to the original cost of your trip, when you must interrupt your trip or return home early for covered reasons, such as sickness, injury or other covered reasons.
• Travel delay — pays up to $100 per day for meals and accommodations when you are delayed on your trip for 12 hours or more.
• Baggage delay — reimburses you up to $250 for clothing and personal items if your luggage is delayed more than 24 hours.
• Loss or damage to baggage or personal effects — covers up to $2,500 for loss or damage to baggage or personal effects that occur during the trip.

Please Note: 

• If purchased, everyone on the booking must purchase the Travel Protection Plan. 
• The cost of the Travel Protection Plan is only refunded for cancellations covered by the hurricane policy (or within the state required free look period).
• Refer to Delta Vacations Cancellation & Change Policy  for penalty and refund details. 
• Certain restrictions apply to groups booked with our Group Department. 
• Certain items may not be refundable, such as show or event tickets, theme park passes, etc. 

With this option, you receive all of the benefits with the Travel Protection Plan (listed in the chart above) PLUS you:

• Receive the refund of the cost of your vacation package AND cancellation fees in the form of your original payment, should you need to cancel your vacation for any reason (less the cost of the protection plan)
• Receive the lowest price guarantee

Lowest Price Guarantee (Provided by Delta Vacations)

If Delta Vacations advertises an identical vacation at a lower price, Delta Vacations will guarantee that price. The advertised vacation must be available and include the same air components (including air fare class), hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS. Refunds for the difference in the package price will be issued in the original form of payment.

Below, you'll find information on how to request the lowest price guarantee along with lowest price guarantee terms and conditions.

To request the Lowest Price Guarantee 10 days or more before departure:

• Create a new reservation with lower price and place on hold.
• Note: Some reservations may require confirmation with a credit card.
• Contact Delta Vacations at 1-800-800-1504, 6:00 am - 11:00 pm CST.
• If the new reservation qualifies, the travelers will receive confirmation of the new reservation at the adjusted price. Previous reservation will be refunded to the original form of payment.

To request the Lowest Price Guarantee within 10 days of departure:

• Create a new reservation and confirm with credit card.

Travel Protection PLUS and Lowest Price Guarantee Terms and Conditions

• The Travel Protection Plan PLUS cannot be applied to Miles to Go or upgraded bookings.
• Lowest Price Guarantee is on the total package price, not component to component.
• All components must be available at the time of the new reservation.
• Lowest price guarantee must be on the exact same vacation package including the same dates, air components, hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS.
• Lowest price guarantee is allowed to be used only one time per booking, and may be exercised up to the time of departure.
• Promotional codes applied to the original reservation must be valid at the time of the lowest price guarantee request to maintain promotional code discount. If the promotional code is no longer valid, a new promotional code can be applied, as long as all terms and conditions are met.
• Lowest price guarantee does not apply to group reservations.
• Lowest price guarantee cannot be purchased separately, and is only available through the Travel Protection Plan PLUS program.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these terms and conditions without prior notice.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions

Redemption Instructions

• Contact Delta Vacations at 1-800-800-1504 or online at delta.com/vacations.
• Enter/provide the 12-digit travel certificate number printed on the front of the travel certificate document during the payment step.
• Provide additional form of payment, if necessary.
• Delta Vacations will issue and send your travel documents via the delivery method requested during the booking process.

Redemption Terms and Conditions

• Travel certificate is valid for the value indicated on the front of the travel certificate document when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Travel certificate can be redeemed in its entirety or in increments up to the value or balance remaining on the certificate.
• If the price of the booking is more than the value of the travel certificate, an additional form of payment for the remaining balance will be necessary to complete the transaction.
• Travel documents for the redeemed travel certificate will be issued, and sent via the delivery method identified during the booking process.
• Purchases with this travel certificate will be deducted from the balance until the value reaches zero or until the expiration date is reached, whichever occurs first.
• No refunds or credits will be issued for any unused portion of the travel certificate.
• Travel certificate is not valid for use toward the purchase of Group bookings, ski bookings, gift cards or another travel certificate.
• The expiration date for this travel certificate is printed on the front of the travel certificate document; the travel certificate is valid for payments made prior to the expiration date.
• Extensions to the expiration date will not be permitted, and travel certificate is not rechargeable.
• Lost, stolen or destroyed travel certificates will not be replaced.
• Travel certificate is void if altered or sold, is nontransferable, nonrefundable, may not be redeemed for cash, has no resale value, and is valid for use only by the person(s) indicated on the front of the travel certificate document.
• Travel certificate is not retroactive, and cannot be applied as alternative payment to reservations already paid in full.
• If a booking using a travel certificate as payment is cancelled, any remaining value after applicable cancellation fees have been deducted will be refunded back to the original travel certificate, and all terms of the original travel certificate, including original expiration date, will apply.
• Travel certificate cannot be redeemed for an Delta Vacations reservation with the same origin and destination and the same departure and arrival dates as the original trip that the travel certificate was issued for.
• Must be redeemed through Delta Vacations, and is not valid for redemption through Delta Air Lines or its website, delta.com.
• Delta Vacations must issue all airline tickets and travel documents.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these Terms and Conditions without prior notice.
• Travel Agents: Travel certificate can be redeemed via our agent website or Reservations.

For balance and expiration date inquiries, refer to the contact information on the front of the travel certificate document.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions           

• Contact Delta Vacations at 1-800-800-1504 or online at deltavacations.com.
• Travel certificate is valid for the value indicated on the front of the travel certificate document, when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply. A $20 charge applies to new bookings made over the phone.

INFORMATION YOU NEED TO KNOW:

Benefits on this page are described on a general basis only. There are certain restrictions, exclusions (including a Pre-Existing Conditions Exclusion) and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the Plan description or any other contract of any kind. Plan benefits, limits and provisions may vary by state jurisdiction. To review full plan details online, go to:  www.tripmate.com/wpF409B , opens in a new window for the Travel Protection Plan or www.tripmate.com/wpF409N , opens in a new window for the Travel Protection Plan Plus. Plan Payments are made up of Insurance Benefits and Non-Insurance Services.

Louisiana, Maryland, and Oklahoma residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate at 1-833-210-0676.

Insurance Benefits are underwritten by: United States Fire Insurance Company, 5 Christopher Way, 2nd Flr, Eatontown, NJ 07724 under Policy Form Series T210.The Cancellation Fee Waiver is not insurance underwritten by US Fire and is provided by Delta Vacations. Non-Insurance Services are not insurance benefits underwritten by United States Fire Insurance Company. One Call 24-Hour Assistance Services are provided by One Call Worldwide Travel Services Network, Global Xpi Medical Records Services are provided by Trip Mate.

Plan Administrator: Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency) 9225 Ward Parkway, Suite 200, Kansas City, MO 64114, 1-833-210-0676.

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Our promise:

If your group cancels its trip for reasons beyond its control, we will be your advocate to get you the highest refund possible.

What Is the BRT Trip Assurance Program?

Student group travel typically is planned months or years in advance. It requires significant investments by educators, parents, students and BRT, in both time and money. But sometimes, things change and a group must cancel its plans.

We want you to know that your financial investments are in good hands. With the BRT Trip Assurance Program, if your group must cancel its trip, we will go the extra mile to ensure that the highest refund possible goes back to you.

For 39 years, we’ve been advocates for our educators and their students. The BRT Trip Assurance Program is one more way we continue to do that.

How Does the BRT Trip Assurance Program Work?

At BRT, we customize each trip to the needs of our educators and their students.

A single trip can require coordination with several partners, from transportation companies to hotels to performance venues, with each partner having policies covering cancellations and refunds. During trip planning, we will proactively communicate cancellation deadlines to the group leader.  

Should your trip have to cancel for reasons beyond your control, we will work with each of these partners to get you the highest refund possible . As you get closer to your trip’s departure, the non-refundable amounts paid by BRT to vendors will continue to increase. However, if do you need to cancel close to departure, BRT will always work with these vendors to get the most possible refunded.

Program Summary:

The Trip Assurance Program means the following if and when the full group chooses to cancel:

• 91 days or more from trip departure date: 100% refund less any non-refundable vendor payments.
• 90 days or fewer refund less any non-refundable vendor payments and a 15% service charge.

Our Promise:

Cancel for any reason (cfar) insurance.

In addition to the BRT Trip Assurance Program, guarantee the best refund by including “ Cancel for Any Reason (CFAR) ” insurance on your trip. This third-party insurance will give up to a  75% refund, and when coupled with our efforts to get you the maximum refund, the end result is typically an 80% – 95% total refund.   Contact us to learn more or to add CFAR Insurance to your trip.

How Do I Join the BRT Trip Assurance Program?

You’re a part of the Trip Assurance Program the moment that your trip is confirmed. It’s part of our commitment to deliver the best possible service to educators, parents and students.

Frequently Asked Questions:

“our promise” what does this mean.

This means, in addition to any supplementary Travel Insurance Policy you’ve purchased, if your entire group cancels prior to their scheduled travel date, Bob Rogers Travel will work to get you the maximum possible refund. Though we can’t guarantee what this amount could be, we will also work with your best interests in mind to get you the best refund.

What if my group chooses to cancel a week prior to departure?

We’ve enhanced our refund policy to offer you more protection. If you group cancels 90 days or less prior to departure, we’ve got your back! You’ll receive a refund less any non-refundable expenses and vendor payments in addition to a 15% service charge. The closer you get to departure, the more non-refundable items will have been paid to vendors by BRT. We will still work to get you the maximum refund, but we can’t guarantee what this amount will be.

How can I guarantee the maximum refund if we need to cancel?

Though we’ll work to get you the best possible refund, we highly recommend all travelers purchase Cancel for any Reason (CFAR) insurance on their trip to receive a 75% refund from TripMate. This third-party insurance policy coupled with our efforts to get you the maximum refund typically result in an 80% – 95% total refund. Talk to your Travel Consultant to learn more or make opting-in to this coverage a requirement for all travelers

What if I cancel my child’s individual trip?

Our Individual refund policy remains the same. Refunds are not available for individual cancellations. We recommend you purchase supplemental Cancel for Any Reason Trip insurance to protect your investment.

The personal touches that BRT provides. Your company gets to know the people they work with. I have never felt like a "number" with BRT.

Leslie Schmidt Columbia Central Junior High School Class Trip, DC Tour

I appreciated the flexibility Bob Rogers showed us with the billing and various payments we had to make. We thought we were adding more and ended up not but you were great about giving us extra time to work out what we needed to on our end.

Loraine Wistrom Plum Grove Junior High School Band, Chicago Tour

BRT is always on top of all details. Even when something has slipped through the cracks, changed, or something unexpected comes up, BRT is flexible enough to make the changes needed to make everything right. We have always been so well taken care of and the personal attention is what makes your company special.

Dameon Place Pella Community High School Band, Orlando Tour

This was my 5th trip with Bob Rogers, and I appreciate the professionalism and also the willingness to work with me and my students to make each trip the very best it can be.

Trey Jacobs Nashville School of the Arts Choir, Atlanta & Tuscaloosa Tour

You make the process so easy - step-by-step of what needs to be done, guidance along the way, available (and quick) to respond to questions and making me feel like me and my students are your priority.

Beth Vaughn Bowling Green High School Choir, New York City Tour

The quality of service that you provided us with was second to none. The organization and communication were exceptional and we always felt we were in “the loop” on things both before and during the trip.

Bob Mecozzi Amos Alonzo Stagg High School Band, Orlando Tour

BRT hands down has been the absolute best travel company I have worked with in my 18 years in education. My interactions with BRT have always been so much more than just traveling from one destination to another...the focus has always been on people and providing them with experiences of a lifetime.

Barry Houser University of Illinois Band, Ireland Tour

From the scheduling, to planning, to overseeing, to leading, to customer service, everyone involved was courteous, prompt, and hospitable. Everyone did their jobs well and turned the trip experience into something better than we had anticipated.

David Dvorak Lakewood Middle School Band, Nashville Tour

Very Organized - even when problems develop. We've gone on enough trips with Bob Rogers to know how BRT operates - always first class, always prepared.

Joe Carl Sumner High School Band, Los Angeles Tour

The whole BRT team was extremely attentive, accommodating and reliable. Every detail was attended to and my stress level the entire trip was at an all-time low.

Joel Vanderheyden Jefferson College Band, New Orleans Tour

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Best Cancel for Any Reason Travel Insurance

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

"Cancel for Any Reason" (CFAR) travel insurance provides the utmost flexibility, allowing you to cancel your trip for any reason that's not covered by standard travel insurance. It's the safety net for those 'just in case' moments, offering peace of mind for unforeseen circumstances. Let's dive into what sets the best CFAR travel insurance apart from other policies.

Our picks for the best cancel for any reason travel insurance

Best overall: seven corners travel insurance.

Best value: Travel Guard

Best for adventurers: Travelex Travel Insurance

Best for popularity: Trawick International Travel Insurance

Best for cruises and tours: AXA Assistance USA

Best for quick protection: TravelSafe Insurance

Seven Corners Travel Insurance is a well-known carrier that has served thousands of travelers. The Trip Protection Choice plan offers a cancel for any reason travel insurance add-on that covers up to 75% of total trip costs, with a maximum of up to $75,000 in reimbursement. Medical coverage is also generous, with up to $500,000 per person for eligible medical expenses and evacuation/repatriation limits of up to $1 million per person.

Seven Corners also offers generous benefits on lost baggage and delayed travel or baggage expenses. Baggage delay benefits kick in after just six hours and go up to $500 per person.

The Choice plan does not insure travel canceled by tour operators that are or have gone out of business, so this policy may not be the best fit for travelers who plan to visit destinations with tenuous

Read our Seven Corners Travel Insurance review here.

Best value: AIG Travel Guard

Travel Guard  is one of the best-known names in the travel insurance industry, with several plans available for traveler needs in every direction. AIG also provided the lowest quote for our hypothetical Europe travelers despite offering the highest ceiling on CFAR reimbursement.

Both AIG's Preferred and Deluxe insurance plans offer CFAR coverage as an add-on to the policy, and some policies cover up to 75% of total trip costs going all the way up to a maximum reimbursement of $112,500.

Many AIG policies also include COVID coverage even without CFAR protection, as well as some ancillary benefits such as rental car protection and even pet travel insurance.

Read our AIG Travel Guard Insurance review here.

Best for adventurers: Travelex

Travelex Travel Insurance is a great cancel for any reason option for travelers who plan to participate in strenuous or adventurous activities during their trip. While the CFAR coverage add-on only reimburses up to 75% of nonrefundable trip expenses, it still provides a certain modicum of peace of mind in case of emergencies, with cancellation available as an option up to 48 hours before travel begins.

Travelex offers low medical coverage compared with its competitors, with a maximum of up to $50,000 per person. Travelers participating in adventure sports can purchase an optional add-on bundle for additional coverage. In case of emergency, Travelex policy holders might do well to consider the travel insurance benefits on their credit cards to supplement any potential medical expenses.

Read our Travelex Insurance review here.

Best for popularity: Trawick 

Trawick International Travel Insurance had one of the priciest plans with CFAR coverage in our comparison, but the carrier's popularity amongst travelers is undeniable, for many reasons. The Safe Travels Explorer is particularly beneficial for pet owners who may incur medical expenses for their animals, as the plan includes up to $250 toward unexpected costs for cats and that who accompany their owners in their travels.

While Trawick's CFAR coverage was one of the most expensive add-ons we evaluated as well, the carrier offers generous compensation margins for travelers who need it, with up to 75% reimbursement for nonrefundable trip costs.

Read our Trawick Travel Insurance review here.

Best for Cruises: A XA Assistance USA

AXA Assistance USA  is a great option for our hypothetical Europe cruise travelers, with its coverage of up to $1,500 per person for missed cruises and tours. This insurer also covers lost and delayed ski, sports and golf equipment – items that aren't always included in lost or delayed baggage coverage under other carriers. The rest of your belongings are safe too with AXA, as lost baggage claim ceilings are up to $3,000 per person - more than double some of its other competitors.

Unfortunately, AXA may not be the best fit for travelers who need high-ticket travel protection, as the upper limit for CFAR reimbursement only goes up to a maximum of $50,000 despite covering up to 75% of total nonrefundable expenses, which is lower than the ceilings from other competitors such as AIG and Seven Corners. Furthermore, CFAR insurance coverage can only be added on to AXA's top-tier Platinum plan.

Read our AXA Assistance USA Travel Insurance review here

Best for convenience: TravelSafe

Travel insurance is a great option to consider if you have a lot of stops or transits on your trip, or if you are an expat living abroad. This insurer offers flexible coverage terms for longer travel durations. If you are 79 years old or younger, you can purchase a single-trip travel insurance plan that can cover your adventures for up to 120 days. Furthermore, reimbursement for baggage delays and losses, trip delays and missed connections kick in far more quickly than most competitors, with up to $2,500 per person for eligible missed travel connections available at the three-hour mark.

While TravelSafe's medical coverage of up to $100,000 may be on the lower side for travelers who anticipate potential medical expenses, those with the right credit cards may be able to supplement their emergency costs through a claim with their card issuer.

Read our TravelSafe Insurance review here.

Understanding 'Cancel for Any Reason' Coverage

Key features.

CFAR policies are unique; they allow cancellation for reasons beyond the usual covered reasons of travel insurance policies. This includes fear of traveling due to a pandemic or a sudden change of mind. However, it's essential to understand the specifics, such as the percentage of the trip cost reimbursed and the time frame for cancellation.

How CFAR Differs from Standard Policies

Unlike traditional travel insurance policies that cover specific cancellation reasons like illness or weather-related issues, CFAR offers a broader spectrum of coverage. It's the premium choice for travelers seeking full control over their plans.

That said, you must also buy travel insurance early if you want to qualify for a CFAR policy, usually within a certain period from when you place a deposit on your trip. That's why it's important to be mindful of when you buy travel insurance . 

How to Pick The Best CFAR Travel Insurance Plan for You

There is no one-size-fits-all "best" insurance plan, especially for CFAR coverage, which can add to your insurance premium. Even for the same person, the right policy will vary from trip to trip, depending on your activities.

If you're primarily concerned about getting your money back if your schedule changes, you may be able to get away with a basic plan that allows you to add CFAR coverage. If you're undertaking a grueling hike through some challenging mountain ranges, you may want to select a policy that includes generous medical and evacuation protection, plus flexibility to reschedule or re-book your trip in case of injury. And if you plan to visit a number of destinations within a short amount of time, trip delay or baggage loss protection may need to be one of your top priorities. If you only need basic coverage, consider our guide for the  best travel insurance policies .

Steps to Choosing CFAR Coverage

• Evaluating Your Travel Needs Consider the nature of your trip, destinations, and what uncertainties you might face. This will help determine the level of travel insurance coverage you need.
• Comparing Prices and Benefits Analyze different policies in terms of cost, coverage percentage, and additional benefits. Look for the best value for your specific needs.
• Reading the Fine Print Understanding the terms and conditions, including the cancellation window and reimbursement process, is crucial to avoid any surprises.
• Making the Most of Your Policy Once you've chosen a policy, it's important to know how to use it effectively.
• Understanding Your Policy Familiarize yourself with the details of your policy, including how and when to file a claim.
• Tips for Filing a Claim Be timely and thorough when filing a claim. Keep all relevant documents handy and follow the provider's process closely to ensure a smooth experience.

How we reviewed CFAR travel insurance

Business Insider reviewed numerous insurance products looking for the best options. Especially when it come to travel insurance, each traveler has a distinct experience and plan. So we looked for companies offering the optimal coverage packages for certain groups.

To accurately compare the cost of CFAR coverage from the insurance carriers we recommend, we collected quotes for a hypothetical two-week trip to three countries in Europe for two travelers ages 38 and 45 that includes a river cruise, renting a vacation home, and taking several flights. The total cost of travel comes out to $14,000 between two people.

The main factors we evaluated when picking our top CFAR travel insurance options were: policy cost, level of protection, claims experience, and policy types.

All our reviews are independently done, meaning travel insurance companies don't get to review or approve our reviews. Similarly, our top guide spots are not for sale. All placements are earned through strong coverage, efficient claims handling, and strong customer service.

Read our insurance rating methodology for more details.

How do I purchase CFAR insurance?

CFAR insurance is purchased as an add-on to a single trip travel insurance policy. It will affect how much you can receive for a canceled trip, but won't affect your other benefits. 

Can I purchase CFAR insurance for annual plans?

No, insurance providers generally don't offer CFAR for multi-trip annual plans. It's limited to single trip travel insurance.

What percentage of my trip cost will CFAR insurance reimburse?

This varies by provider, but typically, CFAR policies reimburse between 50% and 75% of the pre-paid, non-refundable trip cost.

Is cancel for any reason travel insurance worth it?

Yes, cancel for any reason travel insurance is worth it if there's a chance you need to change your travel plans. Traditional travel insurance only offers cancellation coverage for specific reasons, so CFAR insurance provides extra coverage and peace of mind. It also reduces the amount of paperwork necessary for filing a claim.

What is the difference between trip cancellation and cancel for any reason?

Trip cancellation coverage is a benefit of standard travel insurance plans, offering reimbursement if your trip needs to be canceled for specific covered reasons, such as a death in the family or illness. On the other hand, cancel for any reason insurance, reimburses you for a canceled trip regardless of the reason, so there are fewer restrictions.

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Trip Cancellation and Cancel For Any Reason

One of the most frequently asked question with travel protection is what is the difference between Trip Cancellation and Cancel For Any Reason (CFAR) coverage benefits in travel protection?

The Quick Answer

Trip Cancellation means the trip is cancelled, before it begins, and the reason for cancellation is due to one of the covered reasons written in the plan and would be reimbursed 100% of the trip cost.

Cancel for Any Reason allows the traveler to simply change their mind and choose whether to cancel the trip, without needing to provide an explanation and receive 75% of their trip cost.

There are some requirements, and they are important, as explained below.

What’s A Covered Reason?

The covered reasons are listed in the plan documents, available to view prior to purchase and delivered instantly after purchase. The reasons tend to be situations that are unforeseeable and out of your control. The most commonly claimed trip cancellation covered reason is due to a medical need. This could be a sickness, injury or death of one of the travelers or their immediate family members. Other covered reasons can include: weather delays, strike, destination uninhabitable from natural disaster, mechanical breakdown of a common carrier, mandatory evacuation, bankruptcy of a travel supplier, among other covered reasons. For complete details, please refer to the plan documents, available when you create a quote online .

At the risk of being repetitive, Cancel For Any Reason literally means any reason. You don’t even have to tell us the real reason.

Act Quickly for CFAR

Trip Cancellation is available for purchase at any time prior to the trip departure date. It makes more sense to purchase earlier to receive the waiver of Pre-Existing Conditions, insuring a longer amount of time for the same price, as discussed in the 5 Reasons to Book Travel Protection Early . But this is only good advice, not a requirement.

Cancel For Any Reason is available in the TripAssure Complete plan if the plan is purchased within 15 days of the initial trip deposit date and the full cost of the trip is insured. This is the earliest date any payment was made toward any part of the trip. If a small payment toward a cruise was made first, and flights booked later, the cruise payment date is the initial trip deposit date. After 15 days, TripAssure Complete is still available for purchase, but will not include the CFAR benefit.

Insure the Trip Cost

TripAssure travel protection plans allow the traveler to insure some, none, or all of the trip cost. Trip cost includes pre-paid and non-refundable expenses of the trip. The amount of trip cost insured will set the limit on the amount of Trip Cancellation coverage. You could decide to only insure the flight, but not the hotel. You could insure zero trip cost, effectively removing the cancellation coverage benefits, but benefits like medical and baggage remain. The best practice is to make sure the full trip cost is insured, avoiding a possible unhappy customer who would only receive some of their trip cost back if they underinsured.

Cancel For Any Reason coverage limits will also be set at the dollar amount of trip cost insured. However, Cancel For Any Reason requires that the full trip cost be insured. To qualify for this coverage benefit, there isn’t an option to underinsure.

Last Chance to Cancel

Trip Cancellation allows travelers to cancel their trip any time prior to departure. This could be six months in advance, or the day of departure.

Cancel For Any Reason lets travelers cancel at any time up until two days before departure. Once the trip departure date is within two days, CFAR coverage stops. So while Cancel For Any Reason allows you the decision, it doesn’t quite allow a last minute decision.

Have CFAR? Still Have Trip Cancellation Too!

If a traveler purchased the TripAssure Complete plan and met all the requirements to qualify for Cancel For Any Reason coverage, that plan will also include Trip Cancellation coverage. Remember, Trip Cancellation can reimburse 100% of the trip cost, while CFAR is limited to 75%. This means if the reason a trip is cancelled is due to a covered reason, the traveler can claim Trip Cancellation for 100% of their trip cost. If the reason for cancelling is not listed in the plan, then a CFAR claim is the best option.

This information is meant to be a summary explanation of the differences between Trip Cancellation and Cancel For Any Reason coverage benefits in TripAssure travel protection plans. Please always refer to the plan document for specific details, and don’t hesitate to contact us with any questions.