Beware that the reimbursement under CFAR is not 100 percent, and most of the plans are going to get you around a 75 percent reimbursement. Coronavirus may shift how some travelers feel about trip insurance in general and more expensive policies that allow you to cancel for any reason, specifically. Opodo is using the Covid crisis as a reason for non-existent customer service. Yes. Please read your Description of Coverage/Policy confirmation documents for coverage details. Unless you have "cancel for any reason… “Cancel For Any Reason” (CFAR) coverage is usually an add-on feature (as a paid upgrade) to a trip insurance policy. Sandberg said an enormous level … Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. To be eligible for a comprehensive travel insurance plan that offers optional Cancel For Any Reason coverage, you need to insure 100% of pre-paid, non-refundable trip costs, purchase your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. What Does "Cancel for Any Reason" Insurance Cover? So, how much will your CFAR plan cover if COVID-19 derails your travel plans? The naming of COVID-19 as a pandemic does not affect your coverage. Travel insurance does not generally cover trip cancellations or interruptions directly or indirectly related to COVID-19. If you (or your travel companion) contract COVID-19, your travel insurance provider may cover cancellation for a medical reason. "Cancel-for-any-reason" coverage might add another $35 to $50 on top of the insurance cost for a $1,000 trip. Your travel insurance policy still includes trip cancellation coverage for many reasons listed in your policy including any serious injury, death or sickness. Travel insurance does not provide trip cancellation or interruption coverage for fear of travel, if your travel supplier cancels your trip due to coronavirus concerns, if a government travel warning, restriction, or ban prevents you from reaching your destination, or if your business issues a travel restriction. If you don’t want coronavirus to derail your travel plans but want to be covered if an expensive trip must be postponed or canceled, CFAR gives you that peace of mind. If the new coronavirus interferes with your already-planned trip, don't count on your travel insurance to provide much help. That all depends on how much your plan costs and the provider. If you purchased Trip Cancellation for Any Reason coverage it is your choice whether to travel or cancel your trip according to the terms of the plan. 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