Get friendly, accurate & unbiased advice from The Travel Insurance Experts® at: 1-888-407-3854 (US & Canada) or 507-214-3854, M - F: 8:45 am - 8:30 pm, Sat: 10 am - 5 pm, Sun: 2 - 5 pm ET
Get side-by-side travel insurance quotes & plan details or Click here to order online



Home Page

** Iceland Volcano **

Side By Side Quotes

What's Our Story?
(About Us)

Service & Support

Questions (FAQs)
Site Map
Smile of Satisfaction

Instant Message / Chat

Specific Coverages

What is Covered?
Cancel For Any Reason
Pre-ex Conditions
Rental Car Insurance
Flight Life Insurance

Skip the details

Steve's Pre-screened & Hand Picked Companies

CSA Freestyle & Luxe
Travelex Travel Select
Travelex Travel Max
Travel Guard Gold
Travel Insured
TravelSafe
Since Jan. 2005
Get A Quote

More

1,617 Comments
WSJ Recommended Blog
Basic Travel Insurance
Annual Travel Insurance
Snowbird Insurance
MedJet Assist has an AARP Discount available for its members. You'll save nearly 18%
(AARP Discount)
Recommended Links
Free Gifts & Fun Stuff
How Have We Done?

See our commercial

In The News

WSJ, Fox News, CNN Travel, LA Times, MSNBC, Cruise Critic, Today Show, She Knows, Frommer's, NYT, Independent Traveler, Chicago Trib, T&C Travel, Blog Talk Radio, Travel + Leisure, Undercurrent & more


Cancel For Any Reason Travel Insurance Plans

The "Cancel For Any Reason" / "Change Your Mind" is just that - cancelling your entire trip. It's not "Interrupt For Any Reason / Change Your Mind".


Click here if you're looking for Lay-Off coverage

The only way to be sure that you won't lose money by being forced to cancel your trip due to the Gulf oil spill is if you have a "Cancel For Any Reason / Change Your Mind" plan.

You'll find "Cancel For Any Reason" Travel Insurance Plans from CSA, Travelex Select, Travelex Max, 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. For example, Swine Flu is everywhere and you're afraid to go to Wal-Mart. If this happens, you probably won't want to go on your trip either

  • 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

  • Your 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:

  1. With the exception of TravelSafe's Vacation & Premier, You insure 100% of your expected prepaid trip costs that would be non-refundable if you got hit by a cement truck on the day you were leaving for your trip and had to cancel at the last minute;

    • TravelSafe Vacation & Premier requires you to insure 100% of the non-refundable components of your trip that you want covered by the "Cancel For Any Reason" / "Change Your Mind". You do not have to insure your entire trip cost; and

  2. You also insure within 14 - 30 days (depending on the plan) of the payment for those arrangements including the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and

  3. You are not disabled from travel at the time you pay your premium and

  4. You cancel your Trip more than two days (Travelex & TravelSafe) or fortyeight hours (CSA, Travel Guard & Travel Insured) prior to Your Scheduled Departure Date.

Important: With the exception of TravelSafe Vacation & Premier, 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.

This is handy to know: 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.

You'll see split coverages below for the CSA Freestyle Luxe and TravelSafe plans. For example, your family of four is taking a cruise costing $5,000 total ($2,000 for non-refundable airline tickets & $3,000 for the cruise).

If you change your mind and cancel you trip before your final payment, your penalty is $2,000 (the non-refundable airline tickets). $2,000 divided by $5,000 is 40%. Therefore, the CSA Freestyle Luxe will refund you 90% of the $2,000 and TravelSafe will refund you 85% of the $2,000.

Here's how much these plans reimburse you if you use the "Cancel For Any Reason" benefit:

CSA Freestyle Luxe
CSA's Detailed Description Page

Cancellation Penalties

Maximum payable under the policy

Scheduled Penalty of 0% - 25%

100% of the scheduled penalty at the time of trip cancellation

Scheduled Penalty of 26% - 50%

90% of the scheduled penalty at the time of trip cancellation

Scheduled Penalty of 51% to 75%

80% of the scheduled penalty at the time of trip cancellation

Scheduled Penalty of over 76%

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

Travelex Select
Travelex Select's Detailed Description Page

Plan Name

Travelex Select

Any Penalty Amount

60% 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

Travelex Max
Travelex Max's Detailed Description Page

Plan Name

Travelex Max

Any Penalty Amount

80% of the scheduled penalty at the time of trip cancellation

The Deadline to Get the CFAR Benefit

No later than 30 days after your initial trip payment

Who Can Get This Plan?

US Residents Only

Travel Guard
Travel Guard's Detailed Description Page

Plan Name

Travel Guard Protect Assist (Gold) plan

Travel Guard Cruise, Tour & Travel (Platinum) plan

Any Penalty Amount

50% of the scheduled penalty at the time of trip cancellation

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 Residents Only except New York & Washington State residents

Travel Insured
Travel Insured's Detailed Description Page

Plan Name

Travel Insured Worldwide Trip Protector Plan

Travel Insured Worldwide Trip Protector Gold Plan

Any Penalty Amount

75% 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

No later than 30 days after your initial trip payment

Who Can Get This Plan?

US Residents Only except Washington State residents

TravelSafe
TravelSafe's Detailed Description Page

Plan Name

Both TravelSafe Vacation and TravelSafe Premier

0 - 25%

100% of the scheduled penalty at the time of trip cancellation

26 - 50%

85% of the scheduled penalty at the time of trip cancellation

Over 50%

75% of the scheduled penalty at the time of trip cancellation

The Deadline to Get the CFAR Benefit

No later than 15 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 Select plan

Add 40% (or multiply it by 1.4) to the Travel Select per person premium to get the cost including the optional Cancel For Any Reason Benefit

Travelex Max plan

If your per person trip cost is up to $20,000 add 30% extra
If your per person trip cost is in the $20,001 to $50,000 range, add 60% extra

Travel Guard Protect Assist (Gold) plan

Add 40% (or multiply it by 1.4) 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 1.5) 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 1.5) 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

TravelSafe Vacation Insurance

Add 40% (or multiply it by 1.4) to each Vacation Plan per person premium to get the cost including the optional Cancel For Any Reason Benefit

TravelSafe Premier Insurance

The cost for the Cancel For Any Reason Benefit is included at no extra charge, but if you buy the TravelSafe Premier more than 14 days after your initial trip payment you will not be covered with the Cancel For Any Reason Benefit


Ready to Order? It's easy (and safe) to order online or over the telephone - just call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.

PS - Steve has some Free Gifts & Fun Stuff for you to enjoy just for visiting TripInsuranceStore.com

PPS -  Read Steve's Blog or you can Subscribe to Steve's blog here

TripInsuranceStore.com's
Trustworthy Travel Insurance Companies

 

travelex

Travel Insured travel insurance Travel Safe

Get side-by-side plan & price comparisons


Can't find what you need? Try TripInsuranceStore.com's Search Page:


This link kills spam for free

Recommend this page


PS - Even though TripInsuranceStore.com is world's the most informative travel insurance website, you are still responsible to know what's in your policy's Certificate of Coverage. Click here to get each plan's Certificate of Coverage.