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Best Cancel for Any Reason (CFAR) Travel Insurance

Refunds you up to 75% of the total trip cost & allows you to cancel for any reason at all – no strings attached.
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Key Takeaways
  • Our picks for the best Cancel for Any Reason (CFAR) insurance plans for 2024 are from AXA, Travelex, Generali, and Seven Corners (skip ahead to view these plans).
  • Unlike regular trip cancellation insurance, “Cancel for any reason” travel insurance allows you to cancel your trip for any reason at all and still get the majority of your money back.
  • CFAR is usually only available as an optional add-on to a standard travel insurance plan. It will increase the price of your policy by around 50%, but the flexibility it offers is priceless.
  • When you cancel your trip using a CFAR travel insurance policy, you’ll usually be refunded 50% - 75% of your non-refundable prepaid travel expenses – with no strings attached.
  • The fine print: Not all providers offer cancel for any reason insurance. You are typically required to buy CFAR within 24-hours to a few weeks after making your initial trip deposit. Most plans require you to cancel at least 48 hours before your scheduled departure.
  • To help you make sense of all of the plans available, we recommend using an online comparison tool which allows you to see plans and prices from multiple companies at once.

Cancel for Any Reason (CFAR) travel insurance lets you cancel your trip and get part of your money back for any reason at all.

CFAR coverage adds typically adds 40% to 60% to the cost of your travel insurance policy, but there are still numerous reasons to consider investing in the coverage.

For example, you could use CFAR insurance if:

  • You have an unplanned event you can’t miss
  • You’re worried about COVID-19
  • You have a falling out with your travel companions
  • The weather conditions aren’t ideal for your trip
  • You just don’t feel like traveling

Since it’s so expensive expensive, it’s important to compare providers and policies to evaluate which is the best trip cancellation insurance for you.

So, without further delay, here are our top picks for the best Cancel for Any Reason insurance.

Our picks for the best Cancel for Any Reason travel insurance

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Best for Medical Coverage

Trawick International

4.14
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Safe Travels Voyager
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why We Like It

Editor's take

Several of the Trawick travel insurance plans rank among our top-selling plans for 2024. The Safe Travels Voyager plan is arguably the most popular among LA Times' readers thanks to its comprehensive coverage. With its higher-than-average coverage limits over many categories, Trawick Safe Travels Voyager is the ideal choice for travelers seeking comprehensive travel insurance with high levels of policy limits.

Starting with its medical benefits, it offers a good primary medical coverage limit of up to $250,000 per person for medical emergencies and covers up to a whopping $1,000,000 per person for medical evacuation and repatriation. The plan is not the cheapest on the list, but these levels make it ideal for global international travel and even travel to remote locations. The plan can also cover pre-existing medical conditions as long as you buy the plan within 21 days of the initial trip deposit and before the final trip payment. This means it’s also a solid option for older travelers or those with existing health conditions.

Other key benefits include cancellation coverage, which can reimburse you for up to 100% of the trip cost, and interruption coverage which can reimburse you for up to 150% of the trip cost if your trip is cut short. Cancellation and interruption cancellation for COVID-19 sickness also come standard.

As with other plans, examples of covered reasons for canceling can include:

  • Medical Reasons
  • Hurricane & Weather
  • Financial Default
  • Employment Layoff
  • Terrorism

This plan also has the highest reimbursement limits for travel delays and baggage issues of any on our list of best travel plans for . You also be reimbursed for travel delays (up to $3,000 per person) and missed connections on cruises and tours (up to $1,000 per person).

Loss or delay of baggage is always a concern while traveling, but with this plan, you can rest easy. It offers coverage for:

  • Baggage and personal items loss up to $2,500
  • Baggage delay coverage up to $600 per person

Sports and activities are covered (with some limitations), and sports fees are included in the cancellation and interruption coverage.

Trawick Safe Travels Voyager plan also includes coverage for rental car damage up to $35,000 per person, a 10-day money-back guarantee after purchase, and 24-hour assistance service should you need help during your trip. Whether you’re looking for medical coverage, trip cancellation protection, or assistance services, this plan has you covered. Travel with confidence knowing you’re protected with Trawick Safe Travels Voyager.

PROS

  • Excellent medical coverage limits
  • Up to $2,500 baggage coverage included
  • Covers quarantine accommodation expenses

CONS

  • Baggage delay coverage only kicks in after 8 hours
  • CFAR only covers 75% of the insured trip cost

Best for Customer Service

Faye Travel Insurance

4.5
GET A QUOTE via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000 / $500,000
Why We Like It

Editor's take

Faye is a new travel insurance disruptor that offers an innovative solution to travel insurance with a digital-first approach. What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process. Although it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.

Apart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support.

Another feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan.

Potential Add-ons include:

  • Pet care
  • Rental car care
  • Cancel for any reason
  • Vacation rental damage
  • Adventure & extreme sports

If you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.

PROS

  • Friendly agents
  • Easy-to-use mobile app
  • Fast reimbursements for eligible claims
  • Prompt replies to questions

CONS

  • Long wait times for reimbursement
  • Difficulty reaching Faye outside of email & virtual chat

Best for Add-Ons and Extras

Generali Global Assistance

4.34
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Premium
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why We Like It

Editor's take

Generali Global Assistance is one of the largest and most popular travel insurance brands in the world. They offer CFAR protection with their Premium travel insurance plan, which gives you access to 60% reimbursement when you file a CFAR claim. The CFAR reimbursment level of the Generali Premium plan is higher than other more basic plans, and also comes with extremely comprehensive travel coverage in the event that you decide not to cancel and go on your trip instead.

We rate this provider highly due to the variety of upgrades, bonus coverage, and add-ons they offer, including optional CFAR coverage and rental car coverage and automatically included coverage for pre-existing conditions.

The Fine Print: Generali Global Assistance CFAR coverage reimburses you for up to 60% of your prepaid trip costs, but it must be purchased within 24 hours of making an initial trip payment. You can use this coverage by canceling more than 48 hours before your scheduled departure date, although all insured travelers have to cancel for insurance to apply.

PROS

  • High coverage limits with top tier Premium plan
  • Some plans let you add on CFAR coverage
  • Pre-existing conditions covered in the Premium plan
  • Comes with 24-7 worldwide travel assistance services

CONS

  • The standard plan comes with low plan limits, including just $50,000 per traveler in medical and dental expense
  • CFAR coverage must be purchased within 24 hours of the initial trip deposit
  • A 12-hour waiting period is required for luggage delay coverage

Best Basic CFAR Coverage

Travelex Insurance Services

4.43
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Travel Select
Covers COVID
YES
Medical & Evacuation Limits Per Person
$50,000 / $500,000
Why We Like It

Editor's take

Travelex Insurance Services offers great travel insurance plans for all types of trips foreign and domestic. If you are in the market for basic CFAR insurance, you can opt for the Travelex Travel Select plan with Cancel for Any Reason (CFAR) coverage and get 50% of prepaid travel expenses reimbursed when you cancel. This coverage can apply to any travel expenses you paid for your trip upfront, including non-refundable trip deposits, eligible purchases with a travel supplier, and more.

The Fine Print: CFAR coverage through Travelex is only available for purchase with the Travelex Travel Select plan. You must purchase CFAR within 15 days of making your initial trip deposit. For coverage to apply, you must cancel your trip more than 48 hours before your scheduled departure. Reimbursement is for 50% of prepaid travel expenses.

PROS

  • Plans can be customized with upgrades
  • Children 17 and under included for free with some plans
  • Coverage for pre-existing medical conditions available
  • CFAR coverage is available as an add-on to a comprehensive travel insurance plan

CONS

  • Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
  • Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
  • The baggage delay benefit requires a 12-hour waiting period
  • CFAR coverage is not available with all Travelex plans

Cheapest CFAR Coverage

Battleface

4.33
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Discovery
Covers COVID
YES (add-on)
Medical & Evacuation Limits Per Person
$100,000 (add-on) / $500,000 (add-on)
Why We Like It

Editor's take

Battleface is a lesser-known provider and one of the few providers on the market that allows you to buy a travel insurance plan only for cancellations. This means it’s ideal for travel scenarios where you don’t need coverage for medical care, delays, or coverage for personal items.

Because of this, it’s also the cheapest CFAR plan that we found when reviewing plans from over 30 providers. Despite being cheap, it offers high coverage limits. With Battleface’s Discovery Plan, you can get CFAR coverage that can reimburse up to 75% of your total non-refundable prepaid trip costs.

Apart from this, you will also get standard trip cancellation insurance included in the plan that refunds up to 100% of your trip costs when you cancel due to a covered reason. This includes things like falling ill before your trip with COVID or other ailments, needing to cancel due to severe weather, the threat of terrorism, losing your job, and more. It’s nice to know that apart from CFAR, there are certain scenarios where you can get all your money back.

Lastly, but certainly not, Battleface is completely customizable! Therefore, if you want to add a specific type of coverage to your plan and forgo the others, you can easily add it without having to opt for other types of coverage. This type of customization means you can have complete control over the cost of your plan and get only the coverage you need without paying extra for others.

The Fine Print: CFAR must be purchased within 15 days of the initial trip payment. Must cancel at least 48 hours before the scheduled departure date.

PROS

  • Plan is completely customizable & affordable with all add-ons
  • Forgoing unnecessary coverage makes this plan very cheap
  • High CFAR coverage limit (75% of trip costs)

CONS

  • CFAR not available for trips costing over $10,000/ travel party.
  • Secondary medical coverage with $50 deductible (when choosing this add-on)