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Travel Insurance
Heidi Gollub
Heidi Gollub
Verified by an expert
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
Kara McGinley
Kara McGinley
Verified by an expert
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
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Updated 4:35 a.m. UTC Feb. 1, 2024
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Seven Corners and WorldTrips offer the best “cancel for any reason” (CFAR) travel insurance, according to our analysis of cost and coverage options.
Top-rated “cancel for any reason” travel insurance plans of 2024
- Seven Corners.
- WorldTrips.
- AIG.
- Aegis.
- John Hanco*ck Ins Agency.
- Tin Leg.
- Travel Insured.
- Travelex.
- USI Affinity.
Why trust our travel insurance experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 735 coverage details evaluated
- 105 rates reviewed
- 5 levels of fact-checking
Seven Corners
Blueprint Rating
Via Squaremouth's Website
Top-scoring plan
Trip Protection Basic
Average cost for plan with CFAR
$502
CFAR coverage
75% of trip cost
What you should know
The Seven Corners Trip Protection Basic plan with CFAR coverage has the lowest average cost of our top-scoring plans.
Pros and cons
Pros
- Least expensive of the top-scoring plans with CFAR coverage.
- “Cancel for any reason” upgrade reimburses up to 75% of prepaid expenses.
- “Interruption for any reason” (IFAR) upgrade reimburses 75% of trip cost, starting 48 hours after departure.
Cons
- No pre-existing health condition coverage.
- Emergency medical benefit is only $100,000 secondary coverage.
- Emergency medical evacuation coverage is only $250,000.
WorldTrips
Blueprint Rating
Via Squaremouth's Website
Top-scoring plan
Atlas Journey Preferred
Average cost for plan with CFAR
$513
CFAR coverage
50% or 75% of trip cost
What you should know
WorldTrips Atlas Journey Preferred travel insurance offers the second-lowest average cost of all the CFAR plans we evaluated. You can choose CFAR coverage of 50% or 75% of your prepaid trip expenses, which will affect your price.
Pros and cons
Pros
- Excellent $1 million per person in medical evacuation coverage.
- Very good benefits for travel delays and missed connections
- Choice of 50% or 75% back for cancellation due to a non-covered reason.
Cons
- Emergency medical benefit is only $100,000 secondary coverage (optional upgrade to primary coverage).
- No “interruption for any reason” coverage option (choose the Premier plan for this upgrade).
AIG
Blueprint Rating
Via Squaremouth's website
Top-scoring plan
Travel Guard Preferred
Average cost for plan with CFAR
$525
CFAR coverage
50%
What you should know
Travel Guard Preferred from AIG allows you to customize your policy with a host of optional upgrades. These include “cancel for any reason” (CFAR) coverage, rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
Pros and cons
Pros
- Bundle upgrades allow you to customize your travel insurance policy.
- Emergency medical and evacuation limits can be doubled with optional upgrades.
Cons
- CFAR upgrade only reimburses up to 50% of trip cost.
- Base travel insurance policy has relatively low medical limits.
- $300 baggage delay benefit requires a 12-hour delay.
Aegis
Blueprint Rating
Via Squaremouth's website
Top-scoring plan
Go Ready Pandemic Plus
Average cost for plan with CFAR
$615
CFAR coverage
75%
What you should know
Go Ready Pandemic Plus by Aegis has low emergency medical coverage of $50,000 but good medical evacuation coverage of $500,000. “Cancel for any reason” coverage of 75% is available as an upgrade.
Pros and cons
Pros
- CFAR coverage of 75% available.
- Includes a benefit of $200 for airline ticket change fee.
Cons
- Low emergency medical limit of $50,000, with a $50 deductible.
- Low missed connection benefit of $250 per person.
- No “interruption for any reason” upgrade available.
John Hanco*ck Insurance Agency
Blueprint Rating
Via Squaremouth's website
Top-scoring plan
Silver
Average cost for plan with CFAR
$645
CFAR coverage
75%
What you should know
John Hanco*ck Insurance Agency’s silver plan has solid coverage for baggage and personal item loss, baggage delay and travel delay.
Pros and cons
Pros
- “Cancel for any reason” coverage upgrade of 75% available.
- Good extension of coverage that includes medical quarantine.
- High $1,000 specific items limit for personal item loss.
Cons
- No option to purchase “interruption for any reason” coverage.
- No non-medical evacuation coverage.
Tin Leg
Blueprint Rating
Via Squaremouth's website
Top-scoring plan
Gold
Average cost for plan with CFAR
$678
CFAR coverage
75%
What you should know
For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.
Pros and cons
Pros
- “Cancel for any reason” upgrade of 75% available.
- Excellent $500,000 per person in primary emergency medical coverage.
- Very good emergency medical coverage of $500,000 per person.
- Eligible for pre-existing medical condition exclusion waiver if conditions are met.
Cons
- No “interruption for any reason” upgrade available.
- Hurricane and weather coverage kicks in only after a 48-hour delay.
Travel Insured
Blueprint Rating
Via Squaremouth's Website
Top-scoring plan
Worldwide Trip Protector
Average cost for plan with CFAR
$639
CFAR coverage
75% of trip cost
What you should know
Travel Insured Worldwide Trip Protector travel insurance offers $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits. If you’re looking for the best travel insurance for international travel, consider the Worldwide Trip Protector plan.
Pros and cons
Pros
- Best-in-class 75% “cancel for any reason” coverage.
- Optional 75% “interruption for any reason” coverage.
- Great coverage for both medical and non-medical evacuation.
Cons
- Emergency medical coverage of $100,000 could be better, but it is primary coverage.
- Optional “interruption for any reason” coverage takes 72 hours to kick in.
- Lost baggage and personal items coverage of $1,000 isn’t the best.
Travelex
Blueprint Rating
Via Squaremouth's website
Top-scoring plan
Travel Select
Average cost for plan with CFAR
$600
CFAR coverage
75% of trip cost
What you should know
If you’re traveling with children age 17 or younger, you’ll appreciate not having to pay extra for their coverage when you buy a Travel Select plan from Travelex Insurance Services. You can add CFAR coverage to your plan for added financial protection.
Pros and cons
Pros
- 75% coverage of prepaid expenses if you add CFAR coverage.
- Free coverage for children 17 and under on the same policy.
- Robust travel delay coverage of $2,000 per person ($250 per day) after five hours.
- Hurricane and weather coverage after a common carrier delay of any amount of time.
Cons
- Low emergency medical coverage of $50,000 per person.
- Non-medical evacuation is not included.
- Low baggage delay coverage of $200 requires a 12-hour delay.
USI Affinity
Blueprint Rating
Via Squaremouth's website
Top-scoring plan
Ruby
Average cost for plan with CFAR
$689
CFAR coverage
75% of trip cost
What you should know
USI Affinity Travel Select travel insurance is the most expensive of our top-rated CFAR plans. It comes with solid emergency medical benefits of $250,000 per person and medical evacuation coverage up to $500,000 per person.
Pros and cons
Pros
- 75% CFAR coverage available as an upgrade.
- Good emergency medical limit of $250,000 per person, primary coverage.
- Solid emergency evacuation benefit of $500,000 per person.
Cons
- Most expensive of top-rated CFAR plans.
- Missed connection benefit of $750 per person only for tours and cruises.
- Employment layoff benefit requires that you worked at the company for 3 years.
Compare the best “cancel for any reason” travel insurance plans
| Company | Top-scoring plan | Our rating | Learn More CTA text | Learn more CTA below text | LEARN MORE |
|---|---|---|---|---|---|
| Seven Corners | Trip Protection Basic | 5.0 stars | Compare Quotes | Via Squaremouth's website | |
| WorldTrips | Atlas Journey Preferred | 5.0 stars | Compare Quotes | Via Squaremouth's website | |
| AIG | Travel Guard Preferred | 4.5 stars | Compare Quotes | Via Squaremouth's website | |
| Aegis | Go Ready Pandemic Plus | 4.0 stars | Compare Quotes | Via Squaremouth's website | |
| John Hanco*ck | Silver | 4.0 stars | Compare Quotes | Via Squaremouth's website | |
| Tin Leg | Gold | 4.0 stars | Compare Quotes | Via Squaremouth's website | |
| Travel Insured | Worldwide Trip Protector | 4.0 stars | Compare Quotes | Via Squaremouth's website | |
| Travelex | Travel Select | 4.0 stars | Compare Quotes | Via Squaremouth's website | |
| USI Affinity | Ruby | 4.0 stars | Compare Quotes | Via Squaremouth's website | |
| WorldTrips | Atlas Journey Premier | 4.0 stars | Compare Quotes | Via Squaremouth's website |
Methodology
Our insurance experts analyzed cost and coverage data to determine the best travel insurance plans with “cancel for any reason” (CFAR) coverage. For this rating, we only scored travel insurance plans that offer a CFAR upgrade.
The benefits we scored out of a possible 100 points include:
Cost: 80 points. We scored the average cost of each CFAR travel insurance policy for a variety of international trips and traveler profiles.
CFAR reimbursem*nt level of trip cost: 20 points. Policies providing 75% reimbursem*nt were awarded 20 points. Travel insurance plans offering CFAR coverage of 50% got 10 points.
What is "cancel for any reason" (CFAR) insurance?
“Cancel for any reason” (CFAR) coverage picks up where basic trip cancellation benefits included with travel insurance leave off.
It typically reimburses you for up to 75% of your nonrefundable travel costs when you decide to cancel your trip for a reason not listed in your policy.
“While travel insurance will cover a wide array of travel situations, it won’t cover everything,” said Stan Sandberg, cofounder of TravelInsurance.com.
“For trip cancellation coverage, travel insurance plans will only cover you for very specific covered reasons listed in a plan’s description of coverage. If an event is not listed as a covered reason, it won’t be covered unless the consumer opts for a ‘cancel for any reason’ policy,” Sandberg added.
How does "cancel for any reason" coverage work?
“‘Cancel for any reason’ is typically sold as an upgrade to a regular travel insurance plan,” Sandberg said.
Depending on the insurance company, you’ll typically need to buy CFAR travel insurance within one to three weeks of making your first trip payment. You’re also usually required to insure the full value of your nonrefundable trip expenses.
How much does CFAR coverage typically cost?
Travel insurance with “cancel for any reason” coverage costs an average of $745 per trip, according to our analysis of travel insurance costs for plans with a CFAR upgrade. Our top-scoring CFAR travel insurance plans all have below-average rates.
CFAR coverage can increase the cost of your base travel insurance plan anywhere from 40% to 100%, depending on the company and the policy.
Average cost for travel insurance policies with CFAR
| Company | Top-scoring plan | Average cost | Learn More CTA text | Learn more CTA below text | LEARN MORE |
|---|---|---|---|---|---|
| Seven Corners | Trip Protection Basic | $502 | Compare Quotes | Via Squaremouth's website | |
| WorldTrips | Atlas Journey Preferred | $513 | Compare Quotes | Via Squaremouth's website | |
| AIG | Travel Guard Preferred | $525 | Compare Quotes | Via Squaremouth's website | |
| Travelex | Travel Select | $600 | Compare Quotes | Via Squaremouth's website | |
| Aegis | Go Ready Pandemic Plus | $615 | Compare Quotes | Via Squaremouth's website | |
| WorldTrips | Atlas Journey Premier | $627 | Compare Quotes | Via Squaremouth's website | |
| Travel Insured | Worldwide Trip Protector | $639 | Compare Quotes | Via Squaremouth's website | |
| John Hanco*ck | Silver | $645 | Compare Quotes | Via Squaremouth's website | |
| Tin Leg | Gold | $678 | Compare Quotes | Via Squaremouth's website | |
| USI Affinity | Ruby | $689 | Compare Quotes | Via Squaremouth's website |
Average cost is based on travel insurance quotes for seven international trips taken by travelers of various ages. Plans have different levels of benefits, which can account for price differences.
Do you need “cancel for any reason” insurance?
If you want the flexibility to be able to cancel your trip for a reason the travel insurance plan doesn’t cover, you may want to spend the extra money to add CFAR coverage to your policy.
What to know about CFAR insurance
With “cancel for any reason” travel insurance, you typically need to cancel your trip at least 48 hours before your scheduled departure time.
“To take advantage of the CFAR benefit, travelers must cancel their trip in its entirety two to three days before their departure to receive reimbursem*nt,” said James Clark, a spokesperson for Squaremouth, the company behind Tin Leg travel insurance.
In other words, if you get nervous about your trip and want to cancel the morning your plane departs, it’s too late to use your CFAR coverage.
What is “interruption for any reason” (IFAR) coverage?
Similar to CFAR travel insurance, an IFAR upgrade can reimburse up to 75% of your nonrefundable trip costs if you change your itinerary after departing for a reason your base policy doesn’t cover.
Also similar to CFAR coverage, IFAR coverage is optional and costs extra. Not all travel insurance companies offer it.
Frequently asked questions (FAQs)
If you get sick with COVID-19 before or during your trip, many travel insurance plans will cover losses due to your illness, such as having to cancel or reschedule your trip, provided you are diagnosed by a doctor or a third-party testing service.
However, even with a comprehensive travel insurance policy, the base plan will not cover things like deciding you don’t want to travel because you’re worried about catching COVID. Purchasing optional CFAR coverage would allow you to cancel your trip for these reasons.
More: Best COVID travel insurance
You’re unlikely to get “cancel for any reason” coverage through your credit card. If you charge a covered trip to your credit card, you may get some travel insurance benefits.
For example, some credit cards provide trip cancellation and interruption coverage, baggage delay insurance, lost luggage reimbursem*nt, travel, and emergency assistance services, and trip delay reimbursem*nt.
More: Best travel rewards credit cards
No, CFAR travel insurance will not give you a full refund if you cancel your trip. Most policies that offer an optional CFAR upgrade will refund 50% or 75% of your covered trip expenses, as long as you cancel within the required timeframe. You typically need to cancel at least 48 hours before you are scheduled to travel in order to file a CFAR claim.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
BLUEPRINT
Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.
BLUEPRINT
Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.
BLUEPRINT
Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.
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