Trip Cancellation Insurance Information

Last Update February 1st,  2026  .  This post may have affiliate links, which means we may receive a small commission (at no extra cost to you) if you choose to purchase through them.  

The last few years with the pandemic and other worldwide events has taught us to expect and plan for the unexpected as the unexpected can definitely occur!  Trip cancellation and medical insurance in the 2020’s is now an absolute necessity.  Below are some FAQ’s regarding travel insurance for pandemics,  cancellation and more.

1. What exactly is Travel Insurance?
Travel insurance is an insurance policy purchased through a licensed trip/travel insurance company that is intended to cover such things as medical expenses (should you fall ill while travelling), trip cancellation, lost bags, and other mishaps when traveling abroad. This coverage has nothing to do with any credit card coverages NOR with your health insurance as it is a SEPARATE policy specifically to protect your trip.

2. Is travel insurance  coverage included with my package?
We do NOT include trip insurance automatically in our packages. We do NOT include the insurance in our packages, because policies vary in cost depending on factors such as age, state/country of residence, trip cost, and other factors and you must OPT in and purchase it separately.

3. When do I need to purchase Trip Cancellation Insurance?
Travel insurance policies can usually be purchased any time you wish prior to departure, but  the “cancel for any reason “CFAR” upgrade usually has to be purchased within maximum 21 days of the date you initially booked your initial trip deposit. Additionally other coverages are time specific too (such as some pre-existing medical condition coverages) so it is always best to purchase it ASAP after booking.  We advise that you call the travel insurance company that you will be purchasing the policy from PRIOR to booking so you have the correct and updated information  as purchase time limits can vary by state and some states may not offer CFAR coverage or have limit amounts for coverage.

4. Do you recommend a specific company?
We recomend TravelSafe. To get a price quote or more information the different travel insurance policies: CLICK HERE FOR US RESIDENTS / CLICK HERE FOR CANADIAN RESIDENTS./  If you are a NON USA or Canadian residents CLICKHERE FOR COVERAGE.

If you are partaking in any adventure sports (such as hang gliding, rafting, Running with the Bulls (in case you are attending a Pamplona trip),  zip lining,hiking, or other activities, please check with the provider we suggested OR shop around to make sure you are covered for those particular activities as sometimes specific additional “sports riders” must be purchased with certain companies). 

We recommend that all clients shop around and be as knowledgeable as possible about insurance to make the right choice for them. Before committing to any kind of travel insurance coverage it is always a good idea to call the insurance provider to make sure that everything you think is covered will be covered for your exact trip to the exact destination you are going to. It is also a good idea to discuss any potential situations or hypothetical scenarios you have questions about in terms of whether or not those would be covered as well.

5. What is the cost of the Trip Cancellation Insurance ?
The cost will depend on your state of residency, as well as your trip cost and age.  The link above will help you calculate the coverage cost.

6. Can I still purchase the coverage if I missed the CFAR window?
YES! If you missed the window for CFAR you still may be able to purchase a standard policy and just NOT upgrade to CFAR and still be covered for normal “covered reasons” (primarily illnesses that would prevent you from traveling, a death in the family, certain job losses, certain natural disasters, etc).  Note that filing a claim for a normal “covered reason” will pay you back 100% but CFAR cancel for ANY reason (meaning you decide to cancel for a “non covered reason” will pay you 75% back in most cases.)  If you purchase a CFAR you can still cancel for a “covered reason” and obtain 100% vs 75%.

This post is for general information purposes only. Travel insurance products are subject to change without notice, as well as country entry requirements.

If you have any further questions, please contact your sales rep or click HERE.