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What is Cancel For Any Reason (CFAR) Insurance?
Cancel For Any Reason coverage is a travel insurance benefit that allows you to get partially reimbursed for cancelling a trip for a reason not otherwise covered under your plan. You can quite literally cancel a trip for any reason, and still get some of your money back. IMG’s iTravelInsured Travel LX plan offers Cancel For Any Reason as an optional add-on benefit.
What’s the difference between Trip Cancellation benefits & Cancel For Any Reason benefits?
The two key differences are how much you get reimbursed and the covered reasons that apply to each benefit.
Trip Cancellation benefits are usually included on most travel protection plans, but Cancel For Any Reason coverage is often an optional add-on benefit for an additional cost. Trip Cancellation benefits reimburse you up to 100% of your insured trip cost, but only if certain covered reasons cause the cancellation. Cancel For Any Reason benefits reimburse you a portion of your trip cost, but the benefit applies no matter the reason for cancellation.
The following situations are examples of common covered reasons that standard Trip Cancellation benefits may cover:
- Illness
- Hurricanes & other natural disasters
- Job loss or involuntary job relocation
- Complications of Pregnancy
- Death of your family member or traveling companion
Please note that the above listed perils are subject to further restrictions and additional terms apply. Refer to the plan document, which is sent upon purchase, for complete details.
Why get Cancel For Any Reason Insurance?
Nobody wants to cancel a trip, but unfortunately life happens. There are many reasons why you may have to call off a trip, and standard Trip Cancellation benefits do not cover all of them. Adding Cancel For Any Reason coverage gives you peace of mind knowing if you do have to make the tough choice and cancel a trip, you can get some of your hard-earned money reimbursed.
Here are some scenarios that can be covered by Cancel For Any Reason benefits, but not standard Trip Cancellation benefits:
- Worry or fear over travel because of COVID-19 or other safety concerns
- You change your mind about going on the trip completely and would rather stay home
- Unexpected family situation
- Moving or starting a new job the week you were supposed to travel
- You and your traveling companion no longer want to travel together
How much does it cost?
Cancel For Any Reason coverage comes at an additional cost to your travel protection plan. Adding CFAR typically increases your plan cost by about 50%.
Additional terms apply. Get a quote today!
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Ideal for Travelers Wanting CFAR
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iTravelInsured Travel LX
Robust plan with optional cancel and interruption for any reason benefits
Highlights
- Trip cancellation maximum benefit up to 100% of trip cost
- Trip interruption maximum benefit up to 150% of trip cost
- Up to $250 per day per person, $2,500 maximum benefit for trip delay
- $1,000,000 maximum benefit for medical evacuation and repatriation of remains
- Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available(Additional cost and terms apply)
Plan Details View Brochure
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Trip Protection
Medical Benefits
Plan Benefits
The iTravelInsured Travel LX plan provides the highest levels of benefits of all iTravelInsured® plans for the most discerning travelers. Cancel and Interruptions for Any Reason (CFAR) can be purchased as an optional upgrade. This plan provides a variety of benefits and can be ideal for travelers going to remote and exotic locations worldwide.
| Trip Cancellation* | 100% of Trip Cost |
| Trip Interruption | 150% of Trip Cost |
| Cancel for Any Reason (CFAR Additional Cost Applies if CFAR is Selected | 75% of Non-Refundable Insured Trip Cost |
| Trip Delay | $2,500 ($250 Per Day Per person After Initial Delay of 6 Hours) |
| Change Fee | Up to $300 Per person |
| Frequent Traveler Reward | Up to $75 Per person |
| Rental Car Damage And Theft Coverage | Up to $40,000 Per Covered Vehicle |
| Missed Trip Connection | $500 Per person after Initial Delay of 3 Hours) |
| Traveling Companion/Bedside Companion | $1,000 (Up to $200 Per Day) |
| Pet Kennel | $100 Per Day ($500 Max Per Pet) |
Medical Evacuation and Repatriation of Remains
| Up to $1,000,000 Per person Included Included Included Included |
| Search and Rescue | Up to $10,000 per Person |
Baggage & Personal Effects
| $2,500 ($250 Max Per Item) Included |
| Sports Equipment Rental | $2,000 ($500 Per Day After an Initial Delay of 12 Hours) |
| Baggage Delay | Up to $500 (After an Initial Delay of 12 Hours) |
Accident & Sickness Medical and Dental Expense
| Up to $500,000 Per person $1,000 Per Trip |
| Accidental Death and Dismemberment Common Carrier | $100,000 |
| Exposure | Included |
| Disappearance | Included |
| Trip Interruption for Any Reason** | Optional Upgrade - 75% of the Trip Cost Insured |
| Cancel for Any Reason*** | Optional Upgrade - 75% of the Trip Cost Insured |
| Coverage Type | Primary |
Additional Travel Insurance Plans
iTravelInsured Essential
Limited travel protection with cost effective coverage
iTravelInsured Travel Sport
Trip cancellation and interruption coverage for sport or adventure travel
iTravelInsured Travel SE
Family-friendly plan for domestic and international destinations.
iTravelInsured Travel Lite
budget-level plan for price-conscious travelers.
Can I really cancel my trip for any reason?
Yes, typically! However, there are other important limitations you should know about before adding CFAR to your plan.
Insurance with Cancel For Any Reason coverage typically offers reimbursem*nt for a percentage of your trip cost, not 100% of your trip cost. IMG’s iTravelInsured Travel LX plan Cancel For Any Reason add-on covers 75% of your non-refundable prepaid trip cost.
Cancel for Any Reason coverage for IMG’s iTravelInsured Travel LX plan does not cover the failure of your Travel Supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.
You must purchase your Cancel For Any Reason coverage within a certain number of days of your initial trip deposit. IMG’s iTravelInsured Travel LX plan requires you to purchase the Cancel For Any Reason add-on benefit at the same time that you purchase your base plan and within 20 days of your initial trip deposit.
You can’t cancel your trip at the last minute. You must cancel a certain number of days before your trip departs, depending on your plan. IMG’s iTravelInsured Travel LX plan requires you to cancel no later than 2 days prior to the scheduled departure date of the trip.
Cancel For Any Reason benefits only apply if you cancel your trip before you depart. If you have to cancel a trip once you’ve already left, Trip Interruption or Trip Interruption For Any Reason benefits would kick in depending on your reason for interrupting your trip (if your plan includes these benefits, such as IMG's iTravelinsured Travel LX plan).
Disclaimer
This advertisem*nt contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. Benefits and limits may vary by state of residence and not all plans are available in all states. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.
