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Cancel For Any Reason travel insurance has grown from a niche add-on into one of the most sought-after travel protections on the market. As travelers have learned the hard way, unpredictable events ranging from geopolitical instability to sudden work conflicts to personal financial changes can derail even the most carefully planned trip. CFAR has become the go-to solution for anyone who wants true flexibility without having to justify a cancellation to their insurer.
A standard travel insurance policy only covers a defined list of reasons. If you want to cancel for anything outside that list, whether that’s simply changing your mind, concerns about your destination, or something entirely personal, Cancel For Any Reason coverage is the only way to get any money back.
We’ve narrowed down the best Cancel For Any Reason travel insurance plans to include international and domestic travel, families, cruises, adventure, and seniors. If you want to compare additional options beyond this list, Squaremouth and InsureMyTrip let you filter specifically for CFAR-eligible plans across dozens of providers.
The Best Cancel For Any Reason (CFAR) Travel Insurance
Typically, travelers add CFAR upgrades to eligible policies for an additional fee. CFAR allows the traveler to cancel the trip without specifying a reason and still receive up to a 75% reimbursement of their nonrefundable trip costs.
Not every CFAR plan is identical, but typically when buying a CFAR policy, you must:
Cover all prepaid trip costs
Buy within 14 to 21 days of making your first deposit on nonrefundable travel. Some plans have narrower windows, so always check before assuming you have time.
Pay an additional premium for the coverage
Our pick for overall best Cancel For Any Reason (CFAR) travel insurance is Trawick International Safe Travels First Class. It provides comprehensive travel insurance at a reasonable price when adding Cancel For Any Reason.
The other policies mentioned on this list are also comprehensive and may be more cost-effective for specific situations, such as domestic travel. All of the policies have time-sensitive periods, meaning you should buy them early in your trip planning process while you’re still eligible for CFAR.
Best Overall: Trawick Safe Travels First Class with CFAR
Trawick International Safe Travels First Class is a mid-tier plan that offers one of the best 75% reimbursement CFAR values. It balances robust medical insurance and emergency medical evacuation benefits, a healthy list of covered cancellation reasons, and a reasonably priced CFAR premium. Although the cost increases by approximately 58% when adding CFAR, the rates are more competitive than other policies.
Trawick First Class with CFAR is a reliable choice for most trip types if you need travel assistance while away from home or making a claim when you return. The product provides comprehensive coverage without paying the higher price of the most expensive policy.
I can speak from personal experience that filing a claim with Trawick was uncomplicated and I did not have to constantly remind the insurer how long it had been since I sent the claim. Trawick paid the entire claim without a fuss when I canceled a cruise because my mother died.
Trawick First Class has some notable features:
Optional upgrades for CFAR and rental car damage
CFAR time-sensitive period: 21 days from initial deposit
$150,000 in medical insurance
$1,000,000 in evacuation coverage
Preexisting condition waiver
Trip delay, baggage loss, damage, and delay, accidental death and dismemberment (AD&D), missed connection, rental property damage all included
10-day free look period in most states
Best for Tech-Forward Travelers: Faye with CFAR
For travelers who want the entire experience handled through their phone, Faye stands out. Its CFAR add-on can reimburse up to 75% of non-refundable trip costs, must be purchased within 14 days of your initial deposit with your trip canceled prior to 48 hours before your departure date, and is managed entirely through the app, including claims filing and instant reimbursements on approved claims paid to Faye Wallet. It also comes with 24/7 human support and complimentary lounge access on delays of three or more hours. Underwritten by two A+ A.M. Best-rated carriers.
Additional features:
CFAR time-sensitive period: 14 days from initial deposit
Trip cancellation up to 100% for covered reasons
Trip interruption up to 150%
Emergency medical up to $250,000 (primary on international trips)
Emergency medical evacuation up to $500,000
Optional add-ons for adventure sports, pet care, rental car, CFAR and vacation rental damage
10-day free look period in most states
*Faye is available to U.S. residents only. Coverage, pricing, and availability may vary by state.
Best for International Travel: John Hancock Silver with CFAR
When traveling abroad, it’s important to have good medical insurance and evacuation because medical costs can be very unpredictable.
John Hancock Silver with CFAR is competitively priced and includes strong medical and travel inconvenience benefits. For example, its $100,000 medical insurance is primary coverage, meaning it pays before your health insurance. If you think dealing with your health insurance provider is a headache at home, you can imagine trying to get help when you’re overseas.
Silver only requires a three-hour delay before it starts covering food, a hotel, and transportation.
Additional features:
$100,000 in primary medical insurance
$500,000 in medical evacuation coverage
Optional upgrades for CFAR, rental car damage, and increased AD&D
CFAR time-sensitive period: 14 days from initial deposit
Trip delay is only three hours (versus six or 12 hours with most other insurers)
$1,000 for baggage loss/damage coverage
Preexisting condition waiver
14-day free look period in most states
Best for Domestic Travel: John Hancock Bronze with CFAR
Some people buy CFAR insurance when traveling domestically because they’re not sure if the trip will happen or they may not want to go. When buying CFAR travel insurance for domestic trips, you want to look for strong cancellation, trip interruption, trip delay, and baggage insurance.
Although you may not need much medical insurance, it’s always a good idea to have some travel medical insurance and evacuation coverage. These benefits cover your out-of-network health insurance deductible and the cost of a ride home if your trip doesn’t go as planned.
Imagine hiking in Yosemite, breaking an ankle and requiring an air evacuation and surgery. John Hancock Bronze covers that.
John Hancock Bronze is a comprehensive travel insurance plan with optional Cancel For Any Reason coverage and favorable trip delay and trip interruption benefits. The Bronze’s CFAR rates are competitive and don’t require you to buy the most expensive policy.
Additional features:
A.M. Best rated A (Excellent – Starr Indemnity & Liability Company)
Optional upgrades for CFAR, rental car damage, and increased AD&D
CFAR time-sensitive period: 14 days from initial deposit
150% trip interruption reimbursement
Trip delay is only three hours, quicker than most insurers
$750 baggage loss/damage
Preexisting condition waiver
14-day free look period in most states
Best for Families: Travel Insured International Worldwide Trip Protector Deluxe with CFAR
Several CFAR policies like Travel Insured International cover children at no extra cost for each adult covered under the policy.
Additionally, when traveling with children, most travel insurance policies provide medical evacuation coverage that pays for a family member to come get children or provide a chaperone to return a child home if all adults are hospitalized.
Travel Insured relaunched its full product line in early 2025 as a three-tier suite: Essential, Deluxe, and Platinum. The Worldwide Trip Protector Deluxe offers optional CFAR and Interruption For Any Reason (IFAR) coverage as a bundle. With IFAR, you can end the trip early for any reason. Maybe your pet sitter has an emergency and can’t watch the animals anymore, or you’re traveling with a special needs child and realize the trip isn’t working out as planned.
Additional features:
Optional coverage upgrades for AD&D, event tickets, rental car damage, travel inconvenience, and bed rest
CFAR time-sensitive period: 21 days from initial deposit
$100,000 in medical insurance
$1,000,000 in evacuation coverage
Preexisting condition waiver
100% reimbursement for cancellation due to work, job loss, extended school year, military leave revoked
14-day free look period in most states
Best for Cruises: John Hancock Silver with CFAR
Travelers going on cruises have unique situations. The cost of medical treatment on board a cruise ship is very expensive, and so is an air evacuation. If you have a heart attack on board, the costs to get you to dry land for treatment will probably dwarf the cruise fare price.
John Hancock Silver is a great choice for cruises because of its high medical and evacuation coverage and short (three-hour) delay to qualify for Missed Connection and Trip Delay benefits.
For example, suppose your flight is delayed coming into the port, or you are involved in a car accident en route and the ship leaves without you. Then, trip delay, missed connection, and trip interruption benefits reimburse you for the lost cruise days, additional transportation and lodging costs.
When you add CFAR into the mix, it can get complicated because people often don’t think about insuring the cost of the cruise until the final payment is due. However, in most cases, when you paid the initial deposit months ago, the window to buy CFAR began immediately and ended within a few weeks.
Additional features:
$100,000 in primary medical insurance
$500,000 in evacuation coverage
Missed connection covers $750 per person after a three-hour delay
Trip delay covers $750 per person after a three-hour delay
24/7 AD&D protection
Optional upgrades for CFAR, rental car damage, increased AD&D
CFAR time-sensitive period: 14 days from initial deposit
14-day free look period in most states
Best for Adventure Travel: Battleface Explorer with CFAR
If you’re planning activities like white water rafting, mountaineering, rock climbing, skydiving, or other adventures, most CFAR travel insurance excludes all coverage like trip cancellation, trip interruption, and medical insurance.
However, few plans with CFAR also include adventure and extreme activities. You’ll need to request adding the Adventure Sports coverage when you buy the policy and pay the additional premium. Battleface Explorer has both a 75% CFAR reimbursement option and adventure sports coverage. When buying the policy, you’ll need to ask for both upgrades. Battleface policies in the U.S. are underwritten by Spinnaker Insurance Company and Everspan Insurance Company (both rated A- by AM Best).
Adding the adventure sports waiver is important because most policies exclude medical treatment for injuries sustained during adventure activities. Breaking an arm while rock climbing is a common example of a claim that gets denied without it.
Travel Guard Preferred and Deluxe are an honorable mention because they also have optional Adventure Activities and Extreme Activities Waiver upgrades that remove the policy exclusions for those activities. Note that Travel Guard’s CFAR option reimburses 50% rather than 75%, so if maximum reimbursement is a priority, Battleface is the stronger choice.
Additional features:
$100,000 in primary medical insurance
Optional upgrades for rental car damage, sportsman’s equipment, search and rescue, vehicle return, increased AD&D
CFAR time-sensitive period: purchase at time of policy
Preexisting condition waiver
10-day free look period in most states
Best for Seniors: Trawick Safe Travels First Class with CFAR
For senior travel abroad, the greatest financial risk is a possible medical emergency while traveling, like a heart attack, stroke, or accidental injury. Ultimately, treatment and transportation costs can significantly exceed the trip cost.
So it’s important for seniors to have a CFAR travel policy with strong medical insurance, emergency medical evacuation, and a pre-existing condition waiver.
Trawick First Class with CFAR has a generous $150,000 medical coverage limit, $1,000,000 evacuation, a preexisting condition waiver, and an affordable CFAR premium.
And whatever your Medicare supplement or Medicare Advantage plan doesn’t cover, First Class covers up to an additional $150,000. That’s worth noting because Medicare doesn’t cover air evacuations to get you home after stabilizing treatment elsewhere, but First Class does.
Additional features:
Optional upgrades for rental car damage
CFAR time-sensitive period: 21 days from initial deposit
Trip delay, baggage loss, damage, and delay, AD&D, missed connection, rental property damage all included
10-day free look period in most states
Methodology: How We Select the Best CFAR Travel Insurance
We use five primary factors to evaluate the best CFAR travel insurance coverage for our users. Elements include the benefit amount, cost, whether the policy includes a preexisting condition waiver, the maximum trip cost you can cover, and levels of medical insurance and evacuation.
In addition, because travelers sometimes encounter trip delay or missed cruise situations, we’ve also considered the additional benefits each policy provides.
Cancel For Any Reason Benefit Amount
Buying a Cancel For Any Reason travel insurance policy with a 50% benefit doesn’t always make sense. We focused on policies that reimbursed 75% of trip costs under CFAR.
Cost to Add Cancel For Any Reason
Cost is one of the most significant factors when choosing CFAR because the add-on typically increases your insurance cost by 40% to 60%. Because CFAR is usually an identical benefit across most policies, the policy differences, like trip delay or medical insurance, can play an important role in the overall value of the policy.
While choosing the cheapest CFAR insurance can be tempting, picking the best policy for your needs can mean the difference between a covered or denied claim.
Preexisting Condition Coverage
Making sure your CFAR travel insurance includes pre-existing medical condition coverage can be a critical factor for claims. Unfortunately, not every CFAR travel insurance covers preexisting conditions. This includes otherwise excellent policies, such as Seven Corners Trip Protection Basic with Cancel For Any Reason.
While the CFAR coverage can help you cancel a trip due to a pre-existing condition, the more unpleasant situation is having a medical emergency linked to a pre-existing condition during the trip and risking no coverage.
Maximum Covered Trip Cost
If you’re taking the trip of a lifetime with a high price tag, the maximum covered trip cost may limit how much CFAR coverage you can buy. Fortunately, most policies cover up to $50,000 or more in total nonrefundable trip costs.
Medical Insurance and Emergency Evacuation Coverage
When traveling domestically, you want to get enough medical insurance to cover your out-of-network deductible.
But when traveling overseas, health insurance gets a lot more uncertain and a lot more expensive. Cover at least $50,000 or $100,000 in travel medical expenses and $250,000 in medical evacuation to ensure you can get home after an emergency.
That said, some travelers buy the cheapest CFAR and buy a second policy like IMG iTravelInsured Travel SE for its extra medical benefits. But many prefer the simplicity of having one policy, so we included medical benefits in our evaluation of CFAR insurance options.
CFAR Travel Insurance FAQs
Still have questions about CFAR policies and benefits? No worries. Travel insurance is complicated, and CFAR especially so. Below, we answer some of the most common queries about CFAR coverage and travel insurance in general.
What is Travel Insurance?
Travel insurance covers the costs and losses associated with travel. Comprehensive travel protection policies typically include:
Covered cancellation reasons
Covered trip interruption reasons
Medical insurance
Medical evacuation coverage
Trip delay
Baggage delay
Baggage loss or damage
Accidental death and dismemberment
How Do I Buy Cancel For Any Reason Travel Insurance?
You can typically buy Cancel For Any Reason travel insurance if you meet the following requirements:
The policy must offer a CFAR option
Buy within the time-sensitive period, usually within 14 to 21 days of your initial trip payment
Pay the additional cost for CFAR
Cover all non-refundable trip costs
Use CFAR to cancel at least 48 hours before the departure date
Before you buy, make sure CFAR is available in your home state. Residents of some states, including New York, may not be eligible for CFAR at all.
Does CFAR Cover Cancellations Standard Insurance Won’t?
Absolutely. That’s the entire point. CFAR covers cancellation for any reason not otherwise addressed in your standard policy, including situations standard travel insurance won’t touch: fear of travel, geopolitical uncertainty, a change in personal finances, or simply changing your mind.
That said, standard travel insurance covers more than people often assume. Unexpected illness, death in the family, severe weather, and many job-related disruptions are already covered reasons under most comprehensive plans. Before paying for CFAR, check whether your concern is already addressed in the base policy. You may not need the upgrade.
What Is the Difference Between Cancel For Any Reason Insurance and Trip Cancellation Insurance?
Standard trip cancellation coverage has a list of specific reasons permitting you to cancel your trip for a refund. Otherwise, if you cancel for a reason not named on the list, you need to use Cancel For Any Reason to claim a reimbursement.
Can I Buy Travel Insurance and Then Cancel?
Yes, but you will lose money on the trip cost and premium amount. CFAR travel insurance only reimburses a portion of your trip cost, between 50% and 75%. It never covers 100%.
However, if you cancel for a covered reason, such as a traveling companion being too sick or injured to travel, you’ll get back your entire nonrefundable outlay.
Is Cancel For Any Reason Insurance Expensive?
Adding Cancel For Any Reason to an eligible policy typically increases the cost by 40% to 60%, depending on the insurer and plan.
Does Cancel For Any Reason Travel Insurance Cover Everything?
Almost. CFAR makes it very easy to cancel your trip before your departure for a non-covered reason, such as a natural disaster in a country not listed on your itinerary.
However, CFAR does not apply during your trip unless your policy also has Interruption For Any Reason (IFAR).
A few policies like IMG iTravelInsured Travel LX include IFAR with the CFAR premium. Others, such as Seven Corners Trip Protection Basic and Trip Protection Choice and Travel Insured Worldwide Trip Protector Deluxe, provide it for an additional fee.
Can I Buy Cancel For Any Reason Insurance If I’m Not Traveling?
Yes, you can buy travel insurance for someone else. For example, if your children or parents are traveling and find travel insurance too complex to understand, you can buy the policy for them and name them as the covered travelers regardless of who pays for the trip or insurance.
Can I Buy More Than One Travel Insurance Policy?
Yes, you can. Suppose your trip cost exceeds the maximum that the CFAR plan offers. Then you can buy multiple policies to cover the full cost of the trip or get additional benefits. However, you can’t file duplicate claims on both policies because that could constitute insurance fraud.
Likewise, you can buy a lower-priced CFAR policy primarily to cover your trip costs, and a standalone medical policy like IMG iTravelInsured Travel SE or a John Hancock plan to have higher medical benefits without paying the higher price of having them all combined. These products can cover preexisting conditions without including the trip cost.
Does My Credit Card Have Cancel For Any Reason Travel Insurance?
No, credit cards do not provide CFAR travel insurance. It’s a more specialized type of coverage.
Typically, credit cards like the Chase Sapphire Preferred and Reserve provide basic trip cancellation for covered reasons such as a death in the family or a traveler getting sick or injured. Most also have preexisting condition exclusions, and many travel insurance policies cover them if you buy the plan within 14 to 21 days of your initial payment.
How to Choose the Best CFAR Travel Insurance
Cancel For Any Reason travel insurance is going to be similar no matter which company you choose. It’s the other benefits a policy carries, such as medical coverage or travel delay, that can steer you toward different plans. Even if cancellation is your primary concern, don’t overlook the fine print exclusions on everything else.
I’ve purchased CFAR insurance several times for peace of mind, mostly when my mother’s health or my companion’s interest in travel was in question. I’ve never regretted it. However, I can tell you that the insurance company you choose makes a big difference in how fast you get paid or whether you get pushback when filing a claim.
As with most significant purchases in life, draw on the experience of friends, family, neighbors, and yes, random online reviewers too. Use all of it to inform your decision-making process and find the best policy for your next trip.
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Editorial & Advertiser Disclosure: The editorial content on this website is not provided, commissioned, reviewed, approved, or otherwise endorsed by any advertiser. Opinions expressed are ours alone, not those of any advertiser. The offers that appear are from companies from which we may receive compensation. However, this compensation does not impact where and how these companies are mentioned on the site. We do not include all companies or all available offers in the marketplace.
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