Best ‘Cancel For Any Reason’ Travel Insurance Of 2025

The Atlas Journey Elevate plan with CFAR stands out in our evaluation because it has the lowest average cost among the top-rated policies we researched and provides solid coverage across the board. Its average price based on five sample trips is $338. We also like the policy’s generous timeframe of 21 days for purchasing CFAR and 75% reimbursement level for CFAR.

This policy has superior medical evacuation benefits of $1 million per person and great medical expense coverage of $250,000 per person.

Other notable features include a short five-hour waiting period for travel delays with great limits of $2,000. Additional benefits include decent coverage of $600 for baggage delays and $2,500 for baggage loss per person.

Upgrades are available for adventure sports, pets and rental cars. Pet-related benefits are $500 in medical expense reimbursement for pets traveling with you. It pays $200 for boarding/kennel costs if you have to return home later from your trip than planned and your pet is left at home.

You can add an “interruption for any reason” upgrade with 150% reimbursement.

More: WorldTrips Travel Insurance Review

• You can choose 50% CFAR or 75% CFAR reimbursement levels.
• Trips of up to 180 days covered.
• Trip cost per person is capped at $50,000.
• CFAR coverage does not pay for costs associated with travel arrangements that aren’t provided by your travel supplier, which is any entity or organization that coordinates or supplies travel services for you.
• Your CFAR benefits won’t apply if your travel supplier didn’t provide the agreed-upon arrangements.

WorldTrips carries a stellar reputation among experienced globetrotters such as myself. Knowing international medical aid and multilingual assistance are only a phone call away provides comfort no matter where life’s path may lead. The adaptability of their plans also helps address the fact that travel needs aren’t one-size-fits-all.

– Stephanie Rytting, travel expert, travel author and the founder of France Adventurer

We like the Trip Protection Basic plan because it allows 21 days to buy CFAR—reimbursed at 75%—and has the second-lowest average price among top-scoring policies. Its Protection Basic plan’s average price based on five sample trips with CFAR is $397. We’re also impressed by its short waiting periods for delay benefits.

Travel delay and baggage delay benefits apply after just six hours, compared to 12 for many competitors. You also have a generous window to buy CFAR after making your initial trip deposit.

Travel medical expense limits of $100,000 per person are lower than some competitors, but you might find that is sufficient. Likewise, travel delay benefits are modest, with a maximum of $600. The Trip Protection Basic plan does provide decent medical evacuation coverage of $250,000.

More: Seven Corners Travel Insurance Review

• Covers trips up to 180 days.
• Trip cost is limited to $30,000 per person.
• CFAR coverage does not pay for costs associated with travel arrangements that aren’t provided by your travel supplier, which is any entity or organization that coordinates or supplies travel services for you.
• Your CFAR benefits won’t apply if your travel supplier didn’t provide the agreed-upon arrangements.

Seven Corners offers comprehensive coverage options that cater effectively to adventurers and frequent travelers, making it a strong contender for those seeking robust medical and evacuation coverage.

– Pradeep Guragain, co-founder of Magical Nepal

We picked Faye’s plan because it reimburses 75% of insured trip costs for CFAR claims and has great rates. Its average rate based on five sample trips with CFAR ($405) is the fourth lowest among the 30 companies we analyzed. We also like that it includes $100,000 in non-medical evacuation benefits.

Other notable benefits: $250,000 per person in travel medical expense coverage per person and $500,000 in medical evacuation per person. Travel delay limits are great at $2,100 after a short waiting period of six hours.

Baggage insurance limits of $2,000 per person are decent, but baggage delay coverage of $200 is lower than many competitors.

We like that Faye creates a customized travel insurance policy based on the trip details you provide when getting a quote online. To further customize your policy, you can also choose from multiple coverage limits and add-ons. For example, if you buy the trip delay upgrade, you can boost trip delay benefits from $2,100 to $4,500.

You also get a great selection of add-on coverage, including adventure sports, pet, rental property and rental car benefits. Pet-related coverage includes $2,500 for medical expenses if your pet gets sick or injured while traveling with you. You also get $250 to help pay for your pet to return home if you’re hospitalized and $250 for extra kenneling fees if you arrive home later than planned. The rental car add-on provides $50,000 in coverage for theft and damage.

More: Faye Travel Insurance Review

• The maximum trip duration is 180 days.
• CFAR coverage does not pay for costs associated with travel arrangements that aren’t provided by your travel supplier, which is any entity or organization that coordinates or supplies travel services for you.
• Your CFAR benefits won’t apply if your travel supplier didn’t provide the agreed-upon arrangements.
• You can increase your trip cost up to 48 hours before your trip starts, as long as you haven’t already incurred a loss, filed a claim or purchased coverage with CFAR.
• If you wish to decrease your trip cost, you can do so within 14 days of the policy purchase as long as you haven’t departed on your trip, incurred a loss or filed a claim.

Trawick’s Safe Travel AnyReason policy is an easy way to get CFAR coverage for certain travelers. It’s worth checking out if you’re buying travel insurance right after you book your trip, you’re planning a trip a few months in advance and you’re okay with bare-bones coverage.

It’s the only policy we’re aware of that includes CFAR coverage rather than offering it as an upgrade for an extra cost. We also like the price: its average cost ($452) based on five sample trips is the fifth lowest out of the 30 CFAR policies we evaluated.

Still, it’s important to note that you must buy the Safe Travel AnyReason policy within seven days of booking your trip, and your departure date must be at least 60 days from the policy purchase date. That differs from the way standard travel insurance policies work. You can usually buy a standard policy right up to your departure date. To get CFAR coverage added to a standard policy, you must buy it within a specified time frame, generally within 14 or 21 days from your initial deposit.

While the Safe Travels AnyReason plan may appeal to you if you meet the purchase time-frame requirement, it has very low coverage limits. It provides only $15,000 per person in medical expense benefits, compared to competitors that generally have $100,000 to $500,000. The policy includes $100,000 in medical evacuation benefits per person, again on the low side. Many top-rated policies have $500,000 or $1 million in medical evacuation coverage. Baggage insurance is okay at $500 per covered trip.

More: Trawick International Travel Insurance Review

• Maximum CFAR benefit is $7,500.
• Maximum trip cancellation benefit is $10,000.
• Maximum trip length is 30 days.

We like the Travelex Ultimate policy because it has decent rates and a generous window of time to buy CFAR. Unlike some competitors that require CFAR purchase within 14 days of the initial trip deposit, Travelex allows a 21-day window for this upgrade, which helped the Ultimate plan earn a top score. Its average cost based on five sample trips ($530) is the 12th lowest among the 30 policies we researched. We also like that it has $1 million per person in medical evacuation benefits.

Additionally, we like that the policy has $250,000 in medical expense benefits per person. It includes a “hospital of choice” option, meaning travelers can select where they want to receive further treatment after being transported to the nearest adequate medical facility.

Travel delay benefits are also robust, providing $2,000 per person with a short waiting period of only five hours. You also get $500 per person for baggage delays, as well as $2,000 per person in baggage insurance coverage.

The Adventure Upgrade provides coverage for adventure sports and includes $100,000 in security evacuation benefits and $10,000 in search and rescue coverage. There is an optional medical expense upgrade that allows travelers to increase their coverage from $250,000 to $500,000. The Pet Care Upgrade provides $250 for pet boarding fees if a return home is delayed, along with $2,500 for medical expenses if a dog or cat gets sick or injured while traveling.

Other upgrades include an optional rental property security deposit upgrade, which reimburses up to $2,000 if a traveler damages a rental and loses their security deposit. There is also a “Cancel for Business Reasons” upgrade, which allows travelers to cancel their trip if they are unexpectedly required to work.

You can additionally opt for a baggage insurance upgrade, which increases limits by $3,000 and includes benefits such as $2,000 for sporting equipment rentals, $1,500 for sporting equipment delays and $2,000 for electronic and business equipment.

More: Travelex Travel Insurance Review

• You must buy CFAR 31 days or more before your departure date and purchase it within 21 days of booking your trip.
• You’ll be compensated 75% of your insured trip cost, up to $10,000 per person.
• Maximum trip length is 180 days.
• Subsequent arrangements must be insured within 14 days of booking those arrangements.
• The aggregate trip cost for all people covered by the policy is $200,000.