Cancel for Any Reason (CFAR): Is It Worth the Extra Cost?

Standard trip cancellation insurance covers you when you cancel for a covered reason — illness, injury, natural disaster, job loss. But what if you just… don’t want to go anymore?

What CFAR Covers

Cancel for Any Reason (CFAR) is an optional add-on that lets you cancel your trip for literally any reason — bad weather forecast, changed your mind, political unrest that doesn’t trigger a formal advisory, or simply cold feet — and get reimbursed 50% of your prepaid, non-refundable costs.

The Rules

• You must purchase CFAR within 5 days of making your first trip payment
• You must cancel at least 5 days before your scheduled departure
• Reimbursement is 50% of insured, prepaid, non-refundable costs
• Available as an add-on to Trip Cancellation & Trip Interruption Insurance

When CFAR Makes Sense

• Expensive trips: If you’ve prepaid $10,000+ in flights and hotels, getting $5,000 back beats getting $0
• Uncertain destinations: Regions with evolving political situations or weather patterns
• Group travel: When one person’s change of plans affects the whole group’s bookings
• Wedding/event travel: When cancellation depends on factors outside your control

When It Doesn’t

For short, inexpensive trips where your total prepaid costs are low, the CFAR premium may not justify the 50% reimbursement. Standard trip cancellation (which covers 100% for covered reasons) may be sufficient.

CFAR costs approximately $1.75/day with TuGo. Add it to your quote →