Standard or Cancel For Any Reason — what's the difference?
Both plans share the same core coverages — trip cancellation, medical, baggage, and more. The only difference is what happens when you cancel for a reason that's not on the covered list.
Standard Coverage
Cancel For Any Reason
Not available to residents of New York or Hawaii. CFAR coverage must be purchased within 14 days of your initial trip payment. Standard coverage remains available after that window.
Get a QuoteLife throws curveballs. We cover more than 30 of them.
Both plans reimburse 100% for these covered reasons. CFAR adds 60% reimbursement for everything else.
Medical & Health
- Your sickness, injury, or death
- Traveling family member's sickness, injury, or death
- Non-traveling family member's sickness, injury, or death
- Traveling companion sickness, injury, or death
- Quarantine requirement
- Death of your pet shortly before departure
Weather & Natural Disasters
- Hurricane, flood, earthquake, volcano
- Weather causing 48+ hour service cessation
- Destination made uninhabitable
- Mandatory evacuation orders
- Road closures for 48+ consecutive hours
Work & Employment
- Termination after 2+ years employment
- Employment transfer of 250+ miles
- Company disaster recovery involvement
- Company merger, acquisition, or bankruptcy
- Employer's government-required product recall
Home & Property
- Home made uninhabitable by fire, flood, etc.
- Burglary within 10 days of departure
- Rental unit uninhabitable
- A covered disaster blocks the route to your rental
Travel & Transportation
- Traffic accident en route to departure
- Common carrier delays or cancellations
- Strike causing 48+ hour service cessation
- Trip delay causing 50%+ duration loss
Legal & Other
- Jury duty or subpoena
- Hijacking
- Felonious assault within 10 days
- Military leave revoked or reassignment
- School year extension
- Terrorist incident at or near your destination
The above summarizes covered reasons offered under our plans. Plans are underwritten by Crum & Forster (US Fire Insurance Company), and specific terms, conditions, limitations, and exclusions may differ by state. Your policy or Description of Coverage governs in all cases — please refer to it for exact details.
See How Each Plan Protects You
Real-world situations travelers face — and how each plan responds.
Illness Before Departure
You get the flu two days before your trip and your doctor says you can't travel.
Both plans: 100% reimbursed
Hurricane Hits Destination
A hurricane makes your beach resort uninhabitable and you have to cut your trip short.
Both plans: Trip interruption covered
Work Emergency
Your boss asks you to cancel your vacation for a big project. It's not a covered reason.
Standard: $0 back
CFAR: 60% back
Family Member Gets Sick
Your parent is hospitalized and you need to cancel your trip to be with them.
Both plans: 100% reimbursed
Standard vs. CFAR at a Glance
Both plans include the same core coverages. CFAR adds the safety net.
| Feature | Standard | CFAR |
|---|---|---|
| Covered reason cancellation | 100% | 100% |
| Non-covered reason cancellation | 0% | 60% |
| Trip Interruption | ||
| Trip Delay | ||
| Medical & Dental | ||
| Emergency Evacuation | ||
| Baggage Protection | ||
| 24/7 Travel Assistance | ||
| Pre-Existing Conditions | ||
| Group Coverage (up to 20) |
One policy. Everyone covered.
Protect up to 20 travelers in your party for one low price.
Coverage Details
Trip Cancellation & Interruption
If you must cancel or interrupt your trip due to a covered reason, you'll receive up to 100% reimbursement for your prepaid, non-refundable trip costs (maximum $100,000). With Standard coverage, non-covered reasons receive 0% reimbursement. With CFAR (Cancel For Any Reason), you receive 60% reimbursement even for non-covered reasons.
Trip Delay
If your trip is delayed due to a covered reason, you may be reimbursed for additional expenses such as accommodations, meals, and transportation that you incur as a result of the delay.
Medical Coverage
Coverage includes medical expenses for injury or illness during your trip, emergency medical evacuation, and assistance in locating appropriate medical facilities. Our 24/7 travel assistance can help coordinate medical care and transportation.
Baggage Protection
Protection for lost, stolen, or damaged baggage and personal items. Coverage also includes reimbursement for essential items if your baggage is delayed.
Important Information
- Coverage is available for USA residents traveling domestically or internationally, except residents of Hawaii
- CFAR coverage is not available to residents of New York or Hawaii.
- Group coverage protects up to 20 travelers in your party for one low price
- Limitations and exclusions apply. See policy for complete terms and conditions
State-Specific Policy Documents
Select Your State of Residence to View your Sample Policy and Schedule of Benefits:
Schedule of Benefits
Comprehensive coverage underwritten by Crum & Forster (US Fire Insurance Company).
| Coverage |
|
|---|---|
| Trip Cancellation |
Up to 100% Trip Cost Max $100,000 |
| Trip Interruption |
Up to 100% Trip Cost Max $100,000 |
| Trip Delay |
$600 $200 per day. 6 Hour Min. Delay |
| Baggage / Personal Effects | $1,000 |
| Baggage Delay (outbound) |
$1,000 $200 per day. 12 Hour Min. Delay |
| Medical Evacuation | $250,000 |
| Accidental Death | $25,000 |
| Emergency Accident & Sickness | $25,000 |
| Emergency Dental Expense | $500 |
| Rental Car Damage | N/A |
| Sports Equipment Rental |
$1,000 12 Hour Min. Delay |
| Pre-Existing Health Conditions Covered |
Yes If purchased within 14 days of initial trip deposit |
| Cruise Ship Coverage | No |
| Includes Traveling Companions |
Yes Group policy covering up to 20 people in your traveling party |
| Optional CFAR Available |
Yes except NY & HI residents |
| Maximum Trip Length | 110 Days |
| Free Look Period | 15 Days |
| AM Best Rating | A Rated |
| Year Company Established | 1822 |
This Schedule is only a partial summary of your coverage benefits and may vary by state. Your coverage benefits, including any exclusions, conditions and limitations, are described in full in the policy document, a copy of which will be emailed or mailed to you upon purchase.