We help you travel with confidence, wherever you go.
What is Cancel For Any Reason (CFAR)?
A customer reached out after deciding not to go through with a two-week trip to Southeast Asia she had planned with a friend. They had a falling out just days before departure, and she no longer felt comfortable continuing the trip alone. There was no covered reason under her travel insurance plan to cancel, but she had added Cancel For Any Reason when purchasing her Platinum travel protection.
This optional benefit provides partial reimbursement for non-refundable trip costs when the cancellation doesn’t meet the travel insurance plan's covered reasons. I helped her confirm she was within the required timeframe to use the benefit, reviewed what receipts and documentation she needed, and guided her through the steps to file a claim. Though the trip didn’t happen, she was relieved to recover part of her costs and appreciated having an option when travel plans changed for personal reasons.
The Cancel For Any Reason (CFAR) benefit is available as an optional upgrade to the Platinum Travel Protection plan for an additional cost. This benefit must be purchased at the same time as your plan or within the timeframe outlined in the plan documents. It cannot be added after your trip has begun.
To use CFAR, you must cancel your trip at least 48 hours before your scheduled departure. If you meet all eligibility requirements and submit your claim on time, CFAR may reimburse 50-75% of your prepaid, nonrefundable trip expenses.
Eligible costs may include:
Prepaid airfare
Hotel reservations
Tour or activity bookings
Nonrefundable deposits
State Availability: Cancel For Any Reason availability varies by state. Eligibility is determined based on your state of residence. You can check availability and eligibility when requesting a quote online or by phone.
How AXA Offers Cancel For Any Reason Coverage
The Cancel For Any Reason (CFAR) benefit is available as an optional upgrade with the Platinum Travel Protection plan.
What Does AXA Cancel For Any Reason Coverage Include?
Cancel For Any Reason (CFAR) is an optional benefit that can offer partial reimbursement for prepaid, nonrefundable trip expenses when you cancel your plans for reasons not otherwise covered under your travel protection plan. To qualify, certain conditions must be met, including canceling at least 48 hours before your scheduled departure.
Here are some examples of scenarios that may be eligible for partial reimbursement through CFAR when all conditions are met:
COVID-19–Related Travel Concerns
You decide to cancel your trip due to recent COVID-19 exposure, quarantine requirements, or general concern about the current health environment.
Delayed Travel Documents
Your passport or travel visa does not arrive in time for your departure, and you need to cancel your trip as a result.
Political or Weather Concerns
You have concerns about political unrest or severe weather forecasts at your destination that are not covered reasons in your base plan.
Personal Commitments
Unexpected obligations at work or a change in family circumstances make it difficult for you to travel as planned.
Travel Companion Changes
The person you were traveling with is no longer able to join the trip, and your travel plans no longer make sense.
Personal Preference
You decide not to go because your interests or priorities have changed. This could include anything from a schedule conflict to a change of heart.
If you purchased the Cancel For Any Reason (CFAR) benefit as an optional upgrade to the Platinum Travel Protection plan, you may be eligible for partial reimbursement of prepaid, nonrefundable trip costs when canceling for a reason not otherwise covered in your plan.
To file a CFAR claim :
Cancel your trip at least 48 hours before your scheduled departure.
Review your plan documents to confirm CFAR was included in your coverage.
Gather proof of your trip costs and cancellation, such as receipts and confirmation emails.
Submit a completed claim form along with the required documentation.
Wait for your claim to be reviewed and processed based on the terms of your plan.
Refer to your plan documents for specific timelines and requirements or contact AXA with questions.
What’s Not Covered by CFAR
Cancel For Any Reason (CFAR) is an optional benefit that can be added to the Platinum Travel Protection plan for an additional cost. It does not apply in every situation and includes certain conditions and limitations. Travelers should carefully review their travel insurance documents before purchasing.
Here are some common limitations that may affect eligibility for CFAR benefits:
Timing of Purchase: CFAR must be purchased within a specific window, often 10 to 21 days after your initial trip payment.
Trip Cancellation Timing: You must cancel your trip no later than 48 hours before the scheduled departure to qualify for reimbursement.
Coverage Requirements: To be eligible, your plan must include 100 percent of your prepaid, nonrefundable trip expenses.
Reimbursement Limits: CFAR does not provide full reimbursement. Depending on the plan, reimbursement may range from 50 percent to 75 percent of eligible expenses.
Always review your travel insurance plan documents to see the full list of exclusions and conditions. Understanding these limits can help set clear expectations before you travel.
Things to Know Before Using CFAR
Before using Cancel For Any Reason (CFAR), it is important to understand the conditions that apply. This optional benefit is time-sensitive and subject to specific eligibility requirements.
Plan Payment Timing: The travel protection plan, including the CFAR upgrade, must be purchased within a specific period. In most cases, this is within 14 days of your initial trip deposit.
Trip Cost Requirements: You must insure 100 percent of your prepaid, nonrefundable trip costs. This includes any arrangements with cancellation penalties or restrictions, even those made within 14 days of your departure.
Cancellation Timing: To be eligible for CFAR reimbursement, your trip must be canceled at least 48 hours before the scheduled departure time.
Additional Plan Cost : CFAR is an optional benefit that adds to the total cost of your travel protection plan. This may increase the price by approximately 3 percent of your total trip cost.
Ready to Add Cancel For Any Reason to Your Travel Protection?
Get more flexibility for your trip with AXA’s Cancel For Any Reason (CFAR) benefit, available as an optional upgrade to the AXA Platinum Travel Protection plan.
How is CFAR different from trip cancellation insurance?
Trip interruption insurance typically does not cover pre-existing medical conditions (unless a waiver is purchased), foreseeable events, intentional acts, or situations caused by your own reckless behavior. It also generally excludes coverage for financial default of travel suppliers that occurs more than 14 days after policy purchase.
How is CFAR different from regular travel insurance?
Trip interruption coverage typically begins once you've departed on your trip and continues throughout your covered travel period. The exact start time is specified in your policy documents and usually coincides with when you leave your home to begin your trip.
How can I get CFAR coverage?
Trip interruption coverage ends when you return to your home or to your original departure point, or on the scheduled end date of your trip as stated in your policy, whichever comes first.
Is Cancel For Any Reason coverage a good option?
Trip interruption insurance with AXA Travel Protection provides reimbursement for unused, prepaid travel expenses and additional transportation costs if your trip is cut short due to a covered reason, such as illness, injury, or family emergencies. Coverage limits vary by plan.
Does CFAR cover cancellations due to fear of traveling?
Yes, AXA may cover trip interruption due to illness if the illness is unexpected, occurs during your trip, and is serious enough that a physician advises you to return home. Coverage is subject to the terms and conditions of your specific plan.
Is CFAR valid for cancellations related to pre-existing conditions?
Yes, trip interruption coverage is included in all four AXA Travel Protection plans: Bronze, Silver, Gold, and Platinum. The maximum benefit amounts vary by plan, ranging from $100,000 to 150% of trip cost.
What are the timing requirements for using CFAR?
No, trip interruption and trip cancellation are different benefits. Trip cancellation covers you if you need to cancel before your trip begins, while trip interruption covers you if your trip is cut short after you've already departed. Both benefits may be included in AXA plans but apply at different times.
Can I buy CFAR after I’ve already purchased travel protection?
Trip interruption insurance is particularly valuable if you're taking an expensive trip, traveling internationally, have prepaid non-refundable expenses, or have concerns about health issues or family emergencies that could require you to return home early.
Does CFAR apply to all types of trips?
To get trip interruption insurance, simply purchase one of AXA's Travel Protection plans. Trip interruption coverage is automatically included in all Bronze, Silver, Gold, and Platinum plans. Get a quote online or call 855-327-1441 to speak with a licensed agent.
Can I buy CFAR after I’ve already purchased travel protection?
To get trip interruption insurance, simply purchase one of AXA's Travel Protection plans. Trip interruption coverage is automatically included in all Bronze, Silver, Gold, and Platinum plans. Get a quote online or call 855-327-1441 to speak with a licensed agent.
Are over-the-counter medications reimbursed?
To get trip interruption insurance, simply purchase one of AXA's Travel Protection plans. Trip interruption coverage is automatically included in all Bronze, Silver, Gold, and Platinum plans. Get a quote online or call 855-327-1441 to speak with a licensed agent.
Related Articles
A Guide to Cancel for Any Reason (CFAR) Coverage for Flights
Cancel for Any reason gives you the option to cancel your trip, including your flight bookings for any reason, and still receive a partial refund, typically 50%-75% of your non-refundable costs.
The CFAR optional add-on coverage is a good deal for travelers booking costly cruise vacations with large, non-refundable outlays and for people with unreliable schedules and destination anxiety.
What are the Top Covered Reasons for Trip Cancellation
Booking a trip is full of excitement and anticipation, but sometimes unexpected events can derail even the best-laid plans. The good news? Understanding the top reasons for trip cancellations.
Does Travel Insurance Cover Cancellation Due to Illness?
Trip cancellation due to illness is one of the most common reasons people buy travel insurance but also one of the most misunderstood. So, let's go into the details of how travel insurance with cancellation coverage can help when illness ruins your trip.
Travel insurance can be of significant help to deter potential risks, such as travel-related disruptions, healthcare emergencies, and baggage loss and delay. However, the coverage may be subject to time when you purchase your policy with respect to your travel.
So, you've decided to purchase travel insurance for your upcoming trip. You know that travel insurance offers coverage for baggage loss or emergency medical care - but is that all? Or isn't it? Do you need unique add-ons? What isn't covered?
With over 65 years of travel assistance experience, AXA supports millions of travelers across 164 countries. Our licensed representatives are available 24/7 to guide you through medical needs, trip concerns, or questions about your plan. You'll always speak with real people who are here to help, wherever you travel.
