Find out which insurance offer the best coverage, price, and other factors.
USI Affinity has the best cancel for any reason (CFAR) travel insurance. It has the lowest rates and seven cancel for any reason plans of all the companies we looked into. To help you pick the best travel insurance that you can cancel for any reason, we looked at 18 companies via 28 factors. The highest CFAR reimbursement rates (20% of the score), premiums (17.5%), the number of policy types offered (7.5%), and the amount of trip cancellation coverage (5%), were some of the things we looked at.
If you travel a lot, it can be helpful to have travel insurance. But if you have to cancel your trip, your insurance will only refund the costs you already paid for in certain situations. If you add cancel for any reason travel insurance to your policy, it will cover many reasons why you might have to cancel that aren’t usually covered, like having to work at the last minute or being worried about your safety.
Top 5 Travel Insurance in 2024 for Any Reason Cancellation
- All-around Best: USI Affinity
- Top Reimbursement Rate: Travel Insurance from Allianz
- The Most Economical Premiums for Upgraded Programs: Tiny Leg
- Ideal for Interrupted Travel Payment made: HTH
- Top Choice for Coverage of Travel Delays: Trawick International
Highlight Point of Travel Insurance in 2024 for Any Reason Cancellation
| Insurance Provider | Highlighted Features | Plan Cost (Lowest CFAR Premium – Highest CFAR Premium) |
| USI Affinity | – Lowest CFAR premiums – Seven CFAR policy choices – Covers 75% of trip cost, up to $150,000 – $250,000 hospital coverage per person, per trip | $121 – $200 |
| Allianz Travel Insurance | – Up to 80% reimbursement for non-refundable expenses – Free coverage for children under 17 up to $200,000 – Highest rate among insurers | $261 – $315 |
| Tin Leg | – Most coverage for medical costs ($500,000/person) – Lowest premiums for upgraded plans – Plans with premiums under $200 | $145.55 – $199.50 |
| HTH | – Largest compensation amount (up to 200% of trip interruption costs) – Pet health insurance included – $500,000 medical coverage per person, per trip | $301.82 – $301.82 |
| Trawick International | – Maximum coverage for travel delays ($3,000) – Five CFAR plan options – Reasonable premiums | Information not provided |
1. USI Affinity
Why Did We Select It?
The USI Affinity plan is our top pick for tourists because it has the lowest CFAR plan premiums and seven “cancel for any reason” plans.
Pros & Cons
- The CFAR plans with the lowest premiums
- Gives seven CFAR policy choices
Cons
- No medical care for pets
- Kids aren’t free to cover.
Highlight
The 18 companies we looked at for cancel for any reason travel insurance had seven or more CFAR policy choices. USI Affinity had the most.
USI Affinity also had the lowest CFAR price of all the companies we looked into, at $121. The company’s most expensive plan cost $200 a month, which was also one of the cheapest rates we found.
USI Affinity’s CFAR plans cover 75% of the cost, up to $150,000 for covered events, if you have to cancel your trip. They also cover up to $250,000 in hospital costs for each person, per trip.
Plan Cost
- Lowest CFAR premium: $121
- Highest CFAR premium: $200
2. Allianz Travel Insurance
Why We Chose It
Recall for any cause. Travel expenses that are not refundable may be reimbursed up to 80% with Allianz travel insurance.
Pros & Cons
Pros
- An 80% maximum reimbursement
- Children under 17 have free coverage up to a $200,000 cap on covered cancellations.
Cons
- Limited coverage for delays in transit
- No medical coverage for pets
- restricted medical expense coverage
- No coverage of missing connections
Highlight
An Allianz CFAR plan can be a wise option if you travel frequently and spend a lot of money doing so.
Allianz has the highest rate of any insurer we looked at, paying up to 80% of your qualified travel expenses back if you have to cancel for unspecified reasons. Furthermore, Allianz had among of the best trip cancellation coverage (up to $200,000 for covered cancellations) that we could find.
Allianz has the greatest coverage for trip reimbursement; however, it is important to note that their CFAR plans have certain limitations. For instance, missed connections or veterinary care costs are not covered.
Plan Cost
- Lowest CFAR premium: $261
- Highest CFAR premium: $315
3. Tin Leg
Why We Chose It
Tin Leg has the best cancellation for any reason travel insurance with the most coverage and the best features. It also has the lowest premiums for its upgraded plans, making it a great pick.
Pros & Cons
Pros
- Minimum cost for improved plans
- Up to $500k in health benefits
Cons
- No medical coverage for pets
- provides no coverage for multiple trips
- No yearly schedules
- Kids aren’t automatically covered.
Highlight
Tin Leg offers the most affordable rates for its updated CFAR plans among all the top CFAR firms on our list. Tin Leg offers plans with premiums as high as just under $200.
The fact that Tin Leg offers the most coverage for medical costs is another feature we like. The maximum medical coverage per person, per trip, is $500,000. We looked at six insurers, and only six of them provided that much coverage.
Tin Leg is a CFAR insurance provider that offers advantages, but it also has certain drawbacks. Children are not eligible for free coverage, and pet insurance is not included in the plans.
Plan Cost
- Lowest CFAR premium : $145.55
- Highest CFAR premium : $199.50
4.HTH
Why We Chose It
Out of all the “best” firms we looked at, HTH’s cancel for any reason travel insurance plan offers the largest compensation amount of up to 200% of your trip interruption costs.
Pros & Cons
Pros
- Maximum reimbursement amount for trip disruption
- Pet health insurance is included in the plan.
- offers medical coverage of up to $500,000.
Cons
- The lone CFAR proposal in existence
- only pays out $50,000 for authorized cancellations.
- No coverage for multiple trips
- No yearly schedules
Highlight
Although HTH only sells one CFAR plan, it offers great coverage, including a 200% refund for trip interruption fees (there are 14 scenarios with covered disruptions, including illness and natural catastrophes).
The package also covers pet medical bills and provides $500,000 in medical coverage for per person, per trip. For prepaid travel expenses, HTH’s CFAR plan offers a maximum reimbursement of 75%, which is the standard rate.
Plan Cost
- Lowest CFAR premium: $301.82
- Highest CFAR premium: $301.82
5.Trawick International
Why We Chose It
Out of all the providers on this list, Trawick International offers the greatest amount of travel delay coverage ($3,000) in their cancel for any reason travel insurance policies.
Pros & Cons
Pros
- Maximum coverage for travel delays
- Five ideas for the CFAR plan
- Reasonable premiums
Cons
- Plans do not cover the medical expenses of pets.
- No free coverage for children
- There is just a 10-day free-look period.
Highlight
Of the eighteen CFAR travel insurance providers that we analyzed, Trawick International provides the greatest coverage for travel delays. Plans feature up to $3,000 in coverage for travel delays in the event that you have to book a hotel or rent a car because of unforeseen delays.
There are five CFAR plans offered by Trawick International, and the premiums are reasonably priced. Out of all the businesses we analyzed, the lowest plan premium is $143.14, making it one among the least expensive. Annual plans and multi-trip plans are also available.
Frequently Asked Questions
Ans: The cost of non-refundable travel is covered by trip cancellation insurance, which is a basic feature of travel insurance, in the event that you must postpone your vacation due to a sickness, accident, or death. You can add cancel for any reason insurance to a policy to cover cancellations that aren’t covered by trip cancellation insurance. For instance, CFAR permits you to cancel a vacation without asking questions if your severe fear of flying forces you to do so a
You can add cancellation for any reason coverage to your travel insurance policy to get coverage for situations where your travel insurance does not protect you. Your non-refundable travel expenses are partially reimbursed by CFAR insurance; typically, this is between 50% and 75%.
The percentage of your travel insurance premium that you forfeit for any reason might range from 10% to 40%. For instance, our investigation revealed that an additional $38.08 would be added to a $169.29 Travel Guard coverage if CFAR was added.