Does Cancel For Any Reason Cover Me if the Travel Supplier Cancels My Trip?

by Steve Dasseos on January 27, 2022

My cruise line cancelled my cruise. The cruise was supposed to be leaving 11 days from today. I have a policy with the Cancel for Any Reason Benefit. If I file a claim using my Cancel for Any Reason (CFAR) coverage, will I receive the 75% cash refund from the insurance company as long as I met all the requirements to have the CFAR coverage?

No, your Cancel for Any Reason (CFAR) coverage will not cover you. The Cancel for Any Reason does not apply to travel supplier cancellation.

The reason you are not covered is because is that in order to use the CFAR, all the policies state “You cancel Your Trip…”. Some policies state “no later than 48 hours prior to the Scheduled Departure Date of Your Trip” while others state “no later than 2 days prior to the Scheduled Departure Date of Your Trip”. However, no matter what the deadline is, when a Travel Supplier cancels your trip, it’s not you that is cancelling.

You’re probably saying to yourself, “What happens to my Trip Cancellation Travel Insurance policy? Will I just lose its value?”

I can’t say how all plans work, but for all the plans we sell here at, if you will not be filing a claim, and you are past the Free Look Period, you are able to save the value of your Travel Insurance policy and re-use it for a future trip even if you don’t have the new dates now. Some companies will issue you a credit for the premium you paid. Others let you re-use your same policy. I explain how this works in detail on this page: Coronavirus Policy Date Changes and Claims.


I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

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