How To Get Trip Insurance

The Trip Cancellation for Any Reason (CFAR) benefit is an optional benefit upgrade that will reimburse you for a percentage of the nonrefundable, prepaid payments made toward your trip if you must cancel for any reason not already covered by your Trip Cancellation benefit.

The CFAR benefit is a way to expand your travel insurance protection if you have a specific concern that isn't covered by the insurance plan you're considering purchasing. For example, you may be thinking about taking a trip one year from now. Your best friend is trying to become pregnant, and if she succeeds, you would like to be there to assist in the last stages of her pregnancy. You would like to schedule your trip now, but want a CFAR benefit that would allow you to cancel your trip in the event that you would choose not to travel because of your friend's health status.

How much of your trip will be reimbursed depends on your travel insurance company and the plan you choose. You may even have a choice of percentage. Cancel for any reason travel insurance can often be purchased for 50% or 75% of your total trip cost—look for this when you're making your purchase.

It’s important to know that many travel insurance companies that offer this benefit require you to purchase this benefit upgrade within a certain period of time after making the first deposit for your trip—often 21 days. This benefit upgrade may not be available for all policies and in all circumstances.

In addition, the CFAR benefit may have stipulations that require you to cancel your trip a certain number of days or hours prior to your scheduled departure.

Cancel for any reason travel insurance is an excellent way to get reimbursed for lost expenses if you need to cancel your trip. But remember: it may not be available after 21 days of making the first payment toward your trip, so start looking for travel insurance quickly after making your travel reservation.

When determining the best travel insurance in 2024 for your needs, take into consideration the following factors:

• What qualifies as covered events? Different policies offer different levels of coverage, but many policies will reimburse your prepaid, nonrefundable expenses if you cancel because of unforeseen circumstances such as sickness, injury, death, hospitalization, a traffic accident while en route to your destination, the delay or cancellation of your flight due to a natural disaster or mechanical breakdown, or a terrorist incident. All of these are covered reasons for trip cancellation under Atlas Journey travel insurance plans.
  
  

  View policy documents for your plan and state of residency to understand the specific conditions and exclusions for your policy.

• Level of coverage. The level of coverage may vary from one plan to another. For example, one plan may offer up to 125% of costs for the Trip Interruption benefit, while another plan may offer up to 150% of trip costs for Trip Interruption. 
  
  For example, the Atlas Journey Escape plan offers up to 125% of trip costs for Trip Interruption, while the Atlas Journey Explore and Atlas Journey Elevate plans offer up to 150% of trip costs for Trip Interruption. If you're having a hard time deciding which level of coverage is right for you, work with your licensed sales representative to determine the level of coverage you need.

Atlas Journey Elevate, Atlas Journey Explore, and Atlas Journey Escape plans from WorldTrips offer benefits like Trip Cancellation, Trip Interruption, Travel Delay, Emergency Accident & Sickness Medical Expense, and more. Each option offers a different level of coverage and comes at a different cost.

Travel medical insurance, also known as travel health insurance, is an alternative to travel insurance for those who don't need or prioritize a Trip Cancellation benefit. Travel medical insurance may also an option for travelers who are not eligible for travel insurance plans such as Atlas Journey because they are not U.S. citizens or residents.

The main difference between travel medical insurance and standard travel insurance is that travel medical insurance does not include a Trip Cancellation benefit, so there's no coverage for a canceled trip. For some people, travel medical insurance is an attractive option because the plans can be more budget-friendly. Travel medical insurance places more emphasis on medical benefits, which often have higher maximum limits than travel insurance medical benefits. Note that the best travel medical insurance plans still include some travel-related benefits, such as Trip Interruption and Travel Delay, as well as travel assistance services.

The other main difference is that many travel medical insurance plans can cover individuals from most countries, but only for travel abroad, whereas a U.S.-based travel insurance can only cover U.S. citizens or residents, but they can be traveling domestically and/or abroad.

Information about WorldTrips’ most popular travel medical insurance plan, Atlas Travel®, is found here. Atlas Travel can cover you for single trips of up to one year. If travel health insurance for multiple international trips is needed, you can purchase Atlas MultiTrip™ for up to 364 days of coverage.

Been searching for “travel health insurance Europe”? See our Schengen Visa Insurance page. Searching for “travel health insurance USA”? See our Atlas America® page.

The travel health insurance cost of Atlas Travel medical insurance varies, depending on age, length of travel, and whether the trip includes U.S. coverage. As an example, for someone younger than 30 years old traveling to a destination outside the U.S., with a $1,000,000 maximum coverage limit and a $100 deductible, the cost is as little as $1.72 per day at the time of publish.