Best Travel Insurance That Includes Cancel For Any Reason Coverage

CFAR insurance can get expensive, but it's a surefire way to maximize your travel insurance coverage.
Carissa Rawson
By Carissa Rawson 
Edited by Meg Lee

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So you’re organizing a trip and you’re interested in purchasing travel insurance. That makes sense — making plans these days can be pretty stressful. This is one reason that Cancel For Any Reason (CFAR) insurance is so popular.

As the name implies, CFAR allows you to cancel your plans without specifying a covered reason. 

We looked at the top Cancel For Any Reason travel insurance companies, comparing their coverage and pricing to find out which was the best. Here’s our shortlist of best options:

Factors we considered when picking best Cancel For Any Reason insurance companies

We used these factors when choosing best companies for Cancel For Any Reason insurance:

  • Types of coverage. Including CFAR, trip delay, baggage loss and emergency medical.

  • Amount of coverage. Including reimbursements for claims. 

  • Total cost. We checked out the price for each plan compared to what you’ll receive.

  • Usability. What’s the point in purchasing an insurance plan if you cannot use it? We considered user-friendly websites. 

  • Customizability. We scoured what add-ons were available, such as rental car insurance or sports equipment loss.

An overview of the best Cancel For Any Reason travel insurance

We searched for quotes using Squaremouth for a 46-year-old Texas resident traveling to France for two weeks with a total trip cost of $10,000, including airfare. 

When filtering for those providers that offered a Cancel For Any Reason add-on, our list of eligible insurance plans dropped from 103 down to 27. 

Note that to purchase Cancel For Any Reason insurance, you’ll need to do so reasonably quickly after putting down your first deposit for your trip. The window to purchase is an average of 14 days after initial purchase, though some plans offer up to three weeks. 

The average cost for these basic plans came out to about $635, but there’s a wide variety of coverage levels. 

Company, Plan name

Basic coverage cost

Recommended for

Battleface, Discovery


Cheapest plan.

Battleface, Explorer


Low-cost with full coverage.

GoReady, Pandemic Plus


Trip interruption.

Tin Leg, Gold


Emergency medical.

USI Affinity Travel Insurance Services, Ruby


24-hour Accidental Death & Dismemberment coverage, plus coverage for pre-existing medical conditions.

Seven Corners, RoundTrip Basic


Hurricane and work.

John Hancock, Silver


Baggage loss and missed connections.

Travel Insured International, Worldwide Trip Protector


Complete coverage.

Weather delays, financial default, medical evacuation, baggage delay.

Top Cancel For Any Reason travel insurance options

Here’s a breakdown of the different insurance companies and why they stood out among the best. Note that these plans offer 75% of your total costs back if you cancel your trip. 


What makes Battleface a top choice for CFAR insurance:

  • Absolute cheapest CFAR insurance option. 

  • Also solid second-cheapest plan — the Explorer Plan — includes extras such as trip interruption, emergency medical and travel delay reimbursement.

  • The Battleface Explorer Plan offers terrific baggage loss, missed connection and travel delay insurance. 

For our test trip, two of Battleface’s plans came out significantly cheaper than all the others. The Discovery plan lacked much of anything but CFAR coverage, which is still a decent offering considering it’s just $285.03 and you’ll still receive 75% of your trip costs refunded if you cancel. 


What makes GoReady a top choice for CFAR insurance:

  • Less expensive than average. 

  • Reimburses 150% of expenses in the event of a trip interruption. 

  • Includes financial default coverage.

  • Offers $50,000 in primary medical insurance.

Our third-best option is GoReady, whose $603 offering is expensive but still costs less than average. With 150% for trip interruption, primary emergency medical and a $50 deductible for care, the GoReady plan offers comprehensive coverage for nearly any situation. 

Tin Leg

What makes Tin Leg a top choice for CFAR insurance:

  • Employment layoff is covered if employed for three years.

  • $500,000 in primary emergency medical. 

  • $500,000 for medical evacuation and repatriation 

Tin Leg stands out for its massive medical budget. Although some of its coverage isn’t as good as others, it makes up for it with a combined million dollars in emergency medical and evacuation. 

USI Affinity Travel Insurance Services

What makes USI a top choice for CFAR insurance:

This plan from USI doesn’t have a single standout feature; instead, it’s a well-rounded plan that provides coverage across a wide range of scenarios, including mandatory evacuations, terrorism and travel delays. 

Seven Corners

What makes Seven Corners a top choice for CFAR insurance:

  • Hurricane warnings covered. 

  • Employer layoff, if employed for one year.

  • $500 per person for baggage delay after 6 hours.

Seven Corners’ RoundTrip Basic plan is reasonably costly at $768.22 for the trip, but you’ll receive better-than-average coverage.

This includes reimbursement if you get laid off after working somewhere for just one year — other companies have a three-year minimum. 

John Hancock

What makes John Hancock a top choice for CFAR insurance:

  • $1,000 per person for baggage loss; $1,000 specific item limit.

  • $750 for missed connection after a three-hour delay. 

  • $750 for travel delay after a three-hour delay.

  • $100,000 for 24-hour AD&D. 

John Hancock’s best feature is its reimbursement for travel woes. If you’re delayed, your bags are lost or you end up missing a connection, John Hancock’s plan offers some of the highest coverage around.

And unlike other companies, it doesn’t limit missed connection reimbursements to cruises or tours only. 

Travel Insured International 

What makes Travel Insured International a top choice for CFAR insurance:

  • $1,000,000 for medical evacuation and repatriation. 

  • $150,000 for non-medical evacuation. 

  • $1,500 for travel delay after three hours. 

  • $500 for baggage delay after three hours.

As our most expensive option, Travel Insured International may be a hard sell. This is especially true if you’re looking for basic CFAR coverage.

However, it’s worth researching as the plan includes high-dollar reimbursements after very short delays, such as $1,500 for a three-hour travel delay. 

More resources for travel insurance shoppers

Take a look at these other resources if you’re trying to decide when and where to purchase travel insurance. 

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
NerdWallet Rating
Rewards rate


Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.


Intro offer


Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
NerdWallet Rating
Rewards rate


5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.


Intro offer


Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
NerdWallet Rating
Rewards rate


Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.


Intro offer


Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

See more cards
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