Cancel for Any Reason Travel Insurance (CFAR)

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. If the initial trip payment date was more than 21 days ago, cancel for any reason will not be available, unfortunately.

Answer:

Unfortunately, we do not offer any annual comprehensive policies. We do provide annual medical policies for trips that take place outside of your home country. Typically, each trip cannot be longer than 70 days, depending on the policy.

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This is not something specifically covered with Trip Cancellation or Trip Interruption, unfortunately. We can suggest looking into "Cancel for Any Reason" and "Interruption for Any Reason". These are time sensitive benefits though, please keep in mind. best time to purchaseYou can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

The policy can only be cancelled within the 10-15 day review period from when the policy was purchased. The review period will be listed on each quote on our website and in the policy certificate. Any requests that are submitted outside of the review period are considered an exception and viewed on a case by case basis.

Answer:

If you live in different states or travel on different dates, you will need separate policies. You are all still covered if one traveler has to cancel for a covered reason, the same as you would be if you were all listed on the same policy together. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. This applies to non-traveling family members as well. Trip Cancellation reimburses 100%.

Answer:

Yes, you can literally cancel for any reason whatsoever with this benefit. This can include simply changing your mind and deciding not to take the trip anymore. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

Yes, with "cancel for any reason" you can literally cancel the trip for any reason whatsoever, as long as you qualify. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

This isn't something that is covered with Trip Cancellation. You would need "Cancel for Any Reason" for this concern. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

This is not a covered reason to cancel the trip with Trip Cancellation. For this concern, you will need a policy that has "cancel for any reason". There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. Please do not hesitate to call us for assistance with a quote over the telephone.

Answer:

Unfortunately, we do not have any policies that include "Cancel for Any Reason" for New York residents at this time.

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If you are insuring a trip and it gets cancelled or postponed, you can request to have the policy cover you on your rescheduled trip. To request an exception to transfer the policy to cover you on a new trip, please click on “Contact Us” in the upper right-hand corner of our website. From there, you will see a blue box with two “Click here” options. You would want to click on the SECOND option: “Click here to complete the Policy Change Request Form” Please answer each prompt and any documents requested you must upload using the form.

Answer:

Unfortunately, Cancel for Any Reason is a time sensitive benefit and must be purchased within 10-21 days from the initial trip payment date. If your initial trip payment date was more than 21 days ago, in this case it being back in March of 2020, this benefit will no longer be available.

Answer:

In this instance, you would want to look at a policy with optional Cancel For Any Reason protection selected as fear of quarantine is not a covered reason to cancel a trip on any standard comprehensive travel insurance plan. You would want to insure your flights and any other prepaid, non-refundable expenses that you may be paying prior to departure. There are some eligibility requirements for Cancel For Any Reason protection, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason selected can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. If you would like assistance finding a plan that best fits your needs, you can call our Customer Care department at 800-487-4722 to speak with a licensed travel insurance representative.

Answer:

Yes, you can purchase a policy now and insure the amount that you have currently paid toward your trip. If you are looking to purchase a plan that offers optional Cancel For Any Reason or any other time sensitive benefits, you want to make sure that you insure any subsequent payments right as you make them so you do not risk becoming ineligible for those benefits. It is important to read your policy as it will list the time-frame required to insure your initial deposit/payment and any subsequent payments (as well as any other requirements) to be eligible for time sensitive benefits.

Answer:

Event tickets are insurable if they are prepaid and non-refundable prior to departure. You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

We are aware of the press release quoting the Governor of New York's statement about offering Cancel For Any Reason coverage to residents of NY. Although it did mention some companies that offer plans on our site, InsureMyTrip.com, we have not received any new products at this time. Currently, standard comprehensive travel insurance plans (without Cancel For Any Reason) are available to residents of NY, but cancellation of your trip would need to be due to one of the covered reasons listed in the policy. Fear of travel and travel warnings are not covered reasons for cancelling a trip. Also, because Coronavirus is now a known event, related issues are not likely to be covered. It is important to read the policy document to be aware of what is covered and what may be excluded. You can quote plans on InsureMyTrip.com by entering some simple information such as your destination, travel dates, residence, citizenship, age, trip cost. More in-depth information would be needed at the time of a claim. If your concerns focus around cancellation due to Coronavirus related issues, it may also be a good idea to reach out to travel suppliers/hotels to see if any refunds are being offered.

Answer:

We do understand your concern as news of Coronavirus develops daily. It is recommended that you contact your travel agent and/or travel suppliers to see if they are offering the ability to cancel and receive a refund or rebook travel to a later date. Generally, travel insurance does not cover trip cancellation due fear of travel. Also, since travel warnings are now foreseen, coverage would not be available to cancel your trip due to your destination being inaccessible because of Coronavirus. The only way to have any coverage to cancel your trip, would be to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

Cancel For Any Reason is an option on some comprehensive travel insurance plans, which are only available to residents of the US. For those that reside in the US (in most states), Cancel for Any Reason is a time sensitive option, meaning that it must be typically be purchased within 10-21 days after making the initial payment/deposit for your trip. There are other eligibility requirements, such as having to insure the full pre-paid non-refundable cost of your trip and canceling your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased.Since coronavirus is a known event, Cancel For Any Reason would be the only option to cancel your trip for reasons such as travel bans, pandemics, and general fear of travel and be reimbursed a portion of your trip cost.

Answer:

Standard comprehensive travel insurance policies do not cover fear of travel. If fear of travel is the main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

Standard comprehensive travel insurance policies do not cover fear of travel. If fear of travel is the main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

Yes, you can literally cancel for any reason whatsoever with this benefit, as long as you qualify. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

You can insure your entire trip from the time you leave home until the time you return to your home with one policy. We only ask to list one destination on the form. As long as your airfare is prepaid and non-refundable, you can insure the cost of the airfare as well.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. The number one covered reason for Trip Cancellation and Trip Interruption (which is not time sensitive) is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

Yes, with "Cancel for Any Reason", you can literally cancel for any reason whatsoever, as long as you qualify for that benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

For this concern, you would need a policy that has "cancel for any reason". There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. To view policies that offer this benefit, please select the "cancel for any reason" filter on the quote results page.

Answer:

Since this is considered foreseen, this scenario wouldn't be covered with Trip Cancellation. You would need "Cancel for Any Reason" for this concern. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. To view policies that offer this benefit, please select the "cancel for any reason" filter on the quote results page after you have filled out the quote form on our home page.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Cancellation is pre-departure and Interruption is post departure. If you had to return home early for a covered reason, you are reimbursed the unused portion of the trip cost, and with most policies, they will also help you out up to a specified amount for any last minute expenses you might incur when returning home early.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. This applies to all comprehensive plans. If you had to cancel for a covered reason, you are reimbursed 100% of your Trip Cost.

Answer:

You would only be covered to cancel the trip if you are delayed due to inclement weather for the specified amount of hours listed in the policy certificate. Please click on the amount listed below Trip Cancellation when viewing quotes to see all of the reasons that are covered if you had to cancel your trip. Trip Cancellation reimburses 100%, please keep in mind.

Answer:

Unfortunately, no. This benefit requires purchase within the 10-21 days form the very first time money is spent towards the trip. If this was done months ago, this benefit will not be available at this time.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. This applies to all comprehensive plans. For the concern regarding your pet, you would need Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

With Cancel for Any Reason, you wouldn't be able to insure just a portion of your trip, unfortunately. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. If you are outside of the time frame from the initial trip payment date, this benefit is not going to be available.

Answer:

You do not need Cancel for Any Reason for this type of concern. Trip Cancellation offers coverage for unforeseen illnesses or injuries and with Trip Cancellation, you are able to cancel your trip for a covered reason up until the departure date. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. If the hotel was the very first travel arrangement you booked, this is considered the Initial Trip Payment Date.

Answer:

Generally, depending on the provider, as long as there are no dates or destination associated with the deposit, and you are simply securing a future reservation at a better rate by making a deposit, it is not considered the initial trip payment date. This is something we would like to confirm with the provider once you find a policy you are comfortable with, so please contact us to obtain additional information.

Answer:

You can insure what you have paid for to date in order to qualify for the Cancel for Any Reason benefit, and as you make subsequent payments towards the trip such as buying airfare, you can contact us and update your existing policy accordingly to include those additional costs. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Generally, if one traveler in the group has to cancel for a covered reason, all travelers who are insured are also covered to cancel as they are considered travel companions. Please double check the definition of travel companion to be sure this applies to you.

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Generally, if you have different travel dates or itineraries, you would need to obtain separate policies.

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If one traveler has to cancel for a specified covered reason listed in the policy certificate, that traveler can file a claim for their portion of the trip cost if the other travelers decide to still go on the trip.

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You would have to insure 100% of all prepaid non-refundable travel arrangements in order to be eligible for that benefit. Once you enter your trip cost in the quote form, it will only populate the list with policies that cover your particular trip cost.

Answer:

Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.

Answer:

Cancel for Any Reason, which generally reimburses 75%, is separate from Trip Cancellation, which reimburses 100%. You do not need Cancel for Any Reason for that particular concern. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

With Cancel for Any Reason, you can cancel for any reason whatsoever as long as you qualify for that benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

You can only insure prepaid non-refundable travel arrangements prior to departure. Any costs incurred after you have left home cannot be included in your "Trip Cost". There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. If you do not insure 100%, you will not be eligible for this benefit.

Answer:

The amounts listed for Trip Cancellation and Trip Interruption are per person amounts. If you had to cancel for any covered reason listed in the policy certificate, you are reimbursed 100%. You would only need one policy for you and your wife, as long as you live together and travel on the same dates.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. You would need a policy that has Cancel for Any Reason for your particular concern. Unfortunately, if your initial payment was more than 21 days ago, that benefit will not be available.

Answer:

You you can be on the same policy together with most providers as long as you live in the same state and travel on the same dates. You do not need a policy that has Cancel for Any Reason if you are concerned about cancelling due to a death in the family. This concern is covered under the Trip Cancellation benefit.

Answer:

Yes, with Cancel for Any Reason, you can literally cancel for any reason whatsoever as long as you qualify for this benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

With the Cancel for Any Reason benefit, you can literally cancel for any reason whatsoever, as long as you qualify for that benefit. Generally, you are required to cancel at least two days prior to departure with Cancel for Any Reason. The comprehensive plans include medical and medical evacuation coverage as well.

Answer:

Yes, all travel arrangements that are prepaid and non-refundable must be insured in order to qualify for that benefit. Any subsequent payments must be added to the policy as soon as those payments are made to keep your trip insured at 100%.

Answer:

Valid cancellation claims are paid by the insurance company directly, by check.

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No, cancellation is not a benefit that is sold on its own, it can only be purchased as part of a comprehensive policy.

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The initial payment date is the first time you have put money down towards the trip you are insuring. The initial payment date will determine if you are eligible for time sensitive benefits that they plan may include, such as pre-existing medical conditions waiver and Cancel for Any Reason.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a traveling companion or an immediate family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears NEXT to the words "Trip Cancellation" when viewing a quote. Also, the providers CSA and Travelex have listed reasons related to common carrier delays and cancellations.