The "Cancel For Any Reason" is just that - cancelling your entire trip.
It's not "Interrupt For Any Reason". |
Click here if you're looking for Lay-Off coverage
Cancel For Any Reason Travel Insurance Plans
You'll find "Cancel For Any Reason" Travel Insurance Plans from CSA, Travelex Travel Select, Travel Guard, Travel Insured and TravelSafe.
Here are some common trip cancellation reasons that aren't normally covered by Travel insurance, yet are covered by a Cancel For Any Reason Plans. Any of these events (and a lot more) are covered by a Cancel For Any Reason Plan:
You want to cancel your trip because you don't feel safe - you're worried about getting swine flu (or another disease)
You change your mind and don't want to go on your trip
You get a new job and your boss won't let you have the time off
You child or grandchild's team which is normally in last place is now in the State Championship Finals
Your already approved vacation comes at a bad time and you know it would be better if you didn't take your trip
Here Are The Purchase Deadlines:
All plans require:
You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 7 days of the payment for those arrangements the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and
You are not disabled from travel at the time you pay your premium
You cancel your Trip more more than more than fortyeight (48) hours prior to Your Scheduled Departure Date.
Important: If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restriction there will be no coverage available under the Optional Cancel For Any Reason Benefit, if purchased.
I use the term "scheduled penalty" below. A "scheduled penalty" is the total amount of money you'd lose at the time you cancel your trip. Cruises & Tours typically have a penalty schedule. And if you have a non-refundable airline ticket the entire cost will be the penalty because technically you can't get any of your money back if you cancel your trip.
Here's how much these plans reimburse you if you exercise the "Cancel For Any Reason" benefit:
Scheduled Penalty Amount |
CSA Freestyle Luxe |
0 - 25% |
pays 100% of the scheduled penalty at the time of trip cancellation |
26 - 50% |
pays 90% of the scheduled penalty at the time of trip cancellation |
51 - 75% |
pays 80% of the scheduled penalty at the time of trip cancellation |
Over 76% |
pays 70% of the scheduled penalty at the time of trip cancellation |
The Deadline to Get the CFAR Benefit |
No later than 24 hours after your initial trip payment |
Who Can Get This Plan? |
US & Canadian Residents |
Scheduled Penalty Amount |
Travelex Travel Select |
Any Penalty Amount |
Up to 80% of the scheduled penalty at the time of trip cancellation |
The Deadline to Get the CFAR Benefit |
No later than 21 days after your initial trip payment |
Who Can Get This Plan? |
US Residents Only except Indiana, New Hampshire & Washington State residents |
Scheduled Penalty Amount |
Travel Safe Vacation |
0 - 25% |
pays 100% of the scheduled penalty at the time of trip cancellation |
26 - 50% |
pays 85% of the scheduled penalty at the time of trip cancellation |
Over 50% |
pays 75% of the scheduled penalty at the time of trip cancellation |
The Deadline to Get the CFAR Benefit |
No later than 14 days after your initial trip payment |
Who Can Get This Plan? |
US & Canadian Residents |
Here's How Much Extra The Optional "Cancel For Any Reason" Benefit Costs:
Plan Name |
Add this to the policy premium for the total cost including the optional Cancel For Any Reason Benefit |
CSA Freestyle Luxe |
Add 50% (or multiply it by 0.5) to each CSA Freestyle Luxe Plan per person premium to get the cost including the optional Cancel For Any Reason Benefit |
Travelex Travel Select plan |
Add 50% (or multiply it by 0.5) to the Travel Select per person premium to get the cost including the optional Cancel For Any Reason Benefit |
Travel Guard Protect Assist (Gold) plan |
Add 40% (or multiply it by 0.4) to the Protect Assist (Gold) per person premium plus a $3 service fee to get the cost including the optional Cancel For Any Reason Benefit |
Travel Guard Cruise, Tour & Travel (Platinum) plan |
Add 50% (or multiply it by 0.5) to the Cruise, Tour & Travel (Platinum) per person premium plus a $3 service fee to get the cost including the optional Cancel For Any Reason Benefit |
Travel Insured Worldwide Trip Protector & Gold plan |
Add 50% (or multiply it by 0.5) to each Travel Insured Worldwide Trip Protector Plan or Gold Plan per person premium to get the cost including the optional Cancel For Any Reason Benefit |
Travel Safe Vacation Insurance |
Add 40% (or multiply it by 0.4) to each Vacation Plan per person premium to get the cost including the optional Cancel For Any Reason Benefit |
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