atlas travel insurance plan

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Atlas America Insurance and Atlas International Insurance Cover You Wherever You Go

Atlas Insurance comes in two options. Atlas International provides coverage outside the USA, while Atlas America Insurance covers people whose travels will include the USA. Each plan will also meet and exceed most visa and immigration requirements around the world.

If you are planning to travel abroad for six months or less, the single trip Atlas Travel Insurance Plan will provide you with the coverage you need. The Atlas Travel series plan can be used anywhere outside of your home country, so your trip can include multiple destinations. You can also easily extend coverage online or by phone if you need to extend your trip.

Atlas Travel Insurance Highlights

Emergency medical coverage.

WorldTrips covers costs up to the medical maximum selected for medical care abroad.

Deductible Options

Travelers have the option to purchase an Atlas Travel plan with a $0, $100, $250, $500, $1,000, $2,500, or $5,000 deductible.

Trip Interruption Benefits

Atlas Travel offers members up to $10,000 for an interrupted trip.

Pre-Existing Conditions

Travelers under 80 can be covered for an acute onset of a pre-existing condition.

Sports Coverage

Injuries that occur while participating in adventure sports such as skiing and mountaineering are eligible for coverage.

Emergency Medical Evacuation

Atlas Travel will cover transport costs for travelers from the initial treating facility to the nearest qualified hospital.

Are you ready to purchase an Atlas Travel plan?

Click to get a free quote and apply and buy online today!

WorldTrips Atlas Insurance Benefits

Atlas Travel Insurance offers some of the most customizable travel insurance plans available. Whether you purchase Atlas International (for people outside of the US) or Atlas America Insurance (for people whose travel includes the USA), you will have the ability to customize your deductible, your coverage length and your coverage maximum.

Read the full schedule of benefits on page 3 of the Atlas Travel brochure.

Overall Maximum Limits, Deductibles, and Coinsurance Options

Medical benefits and limits, emergency travel benefits and limits, why choose atlas travel medical insurance.

Many times the primary medical insurance in your home country will not cover you while traveling abroad. Also, it will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Insurance includes crucial features such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.

WorldTrips , the plan administrator, provides 24/7 customer service for our Atlas Travel Medical insurance members. They also many other services you'll need if you run into difficulty while abroad, from simple things such as lost luggage to a crisis like a terrorist attack. In the event of medical emergencies, political evacuations, and natural disasters, WorldTrips will provide you with assistance in making emergency travel arrangements.

How Much Does an Atlas Travel Insurance Plan Cost?

The Atlas International and America Insurance plans are relatively inexpensive per day. Your plan costs will increase with a lower deductible and increase with a higher deductible.

Atlas International Insurance Premiums - Traveling Outside the United States (Cost per Day)

If traveling outside the United States, use these rates for the Atlas International plan. This includes U.S. citizens traveling overseas and persons traveling between countries, i.e., a citizen of India traveling to the United Kingdom.

Rates last updated on March 4, 2024

Atlas America Insurance Premiums - Traveling in the United States (Cost per Day)

If you are traveling to, temporarily residing in, or visiting the United States, please use these rates for the Atlas America Insurance plan.

Eligibility Requirements for a WorldTrips Atlas Insurance Plan

Individuals who are traveling outside of their home country and are at least 14 days old are eligible for coverage. If you are under age 65, you may select an Overall Maximum Limit ranging from $50,000 to $2,000,000. If you are age 65 to 79, the Overall Maximum Limit available is $100,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 15 days and the maximum coverage period is 12 months. You may purchase coverage in a combination of monthly and 15-day increments, depending on your needs.

Atlas Travel FAQs

When does my atlas travel medical insurance coverage become effective and when does it end.

Your coverage becomes effective on the latest of the following dates:

• the date WorldTrips receives your application and correct premium,
• the moment you depart from your home country
• or the date requested on your application.

Your coverage will end on the earliest of the following dates:

• the end of the period for which you have paid a premium,
• the date requested on your application
• or the moment you return back to your home country.

Does WorldTrips Atlas Insurance provide any home country coverage?

Yes, both Atlas International Insurance and Atlas America Insurance provide limited home country coverage. This benefit will provide for a set number of days of coverage for travelers if they return home for a period of time during their trip abroad. Policies with Home Country Coverage typically cover medical benefits related to a new illness or injury incurred during an incidental trip back to a traveler's home country. 

You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.

U.S. home country:

• For every three-month period you are covered, eligible medical expenses incurred in the U.S. are covered up to 15 days. Non-U.S. home country:
• For every three-month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.

Should you change your home country's location during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage. Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country to obtain treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

Am I able to extend or renew my Atlas Travel insurance coverage?

After your initial purchase, you may extend your coverage up to a maximum of 364 days. So long as your coverage is continuous, your deductible, coinsurance and benefit limits will not reset. After your initial term, you can purchase a new policy if you decide to continue to travel abroad.

Extensions must be made online in WorldTrips' Client Zone. Payment must be made by credit card.

Which Atlas Travel medical insurance plan should I purchase?

If you are a U.S. citizen traveling abroad for twelve months or less, or a non-U.S. citizen traveling to a country other than the United States, you should purchase Atlas International Insurance . The Atlas International plan provides coverage and travel benefits for travelers traveling abroad but not visiting the USA.

If you are a non-U.S. citizen traveling to the United States (including Puerto Rico and the U.S. Virgin Islands) for twelve months or less, you should purchase Atlas America Insurance . For any visitor to the USA, Atlas America provides comprehensive travel insurance and emergency medical benefits. Your travel can also include additional countries and you will be covered worldwide.

Start by Requesting a Quote to get coverage and pricing for your plan.

How do I add countries to my Atlas Travel Insurance plan?

New countries can be added to your Atlas Travel Insurance plan via WorldTrips' Client Zone. A new visa letter can be printed listing the various countries. However, it is not required that you list every country that you may visit during your trip. You should list the countries where you will travel to as primary destinations in your initial application.

Please note: The Atlas International plan will provide worldwide coverage and benefits for travel to all countries worldwide except for travel to the USA. If you are traveling to the USA, you should purchase the Atlas America plan, which includes coverage and benefits in the USA. 

Can I purchase an Atlas Group Travel Insurance Policy?

The Atlas Group plan is available for small or large groups traveling abroad for 5 days to a year. The group plan is available to employer groups, non-profit organizations, students, and others. The coverage and benefits are the same. 

There is an easy-to-use online quote tool (link below). Once you find the level of coverage desired, you can move forward to purchase coverage. You will be asked for details on each applicant, including their date of birth along with other details.

Atlas Group Travel Insurance Quote and Buy

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Atlas Series Insurance

Travel medical insurance for international trips.

The Atlas Series is travel medical insurance designed to cover individuals and groups as they travel outside their home country. We offer four different products—Atlas Travel®, Atlas Premium, Atlas MultiTrip™, and Atlas Group®—so you can choose the coverage that best fits your client’s needs and budget.

• Atlas Travel – This is the most popular plan of the Atlas Series. It provides coverage for individuals and small groups (2-4 people) taking a single trip abroad.
• Atlas Premium – This plan is designed for individuals and small groups seeking the highest possible coverage limits for a single trip abroad. It has a higher premium than Atlas Travel, so it may be ideal for shorter trips.
• Atlas MultiTrip – This plan provides coverage for multiple trips abroad. Your clients can pay once and get 364 days of coverage for international trips of up to 30 or 45 days each.
• Atlas Group – This plan for groups of 5 or more offers the same benefits as Atlas Travel at a 10% discount. It may be ideal for your client’s student group, mission group, or large family.

Why Do Travelers Need Travel Medical Insurance?

There are three key reasons why your clients may need travel medical insurance for their trip abroad:

• No matter the destination they choose or the activities they plan, there’s a chance they could encounter a travel mishap, accident, or illness. Overseas trips can expose travelers to unfamiliar environments, foreign foods, and bacteria which may increase their risk of falling ill or becoming injured.
• Their domestic health plan may not cover them outside their home country. This means they may be required to pay for medical expenses out of pocket with zero reimbursement.
• They may need a visa for their destination country that requires proof of travel medical insurance or proof of subsistence. One such visa is the Schengen visa for travelers to Europe.

Market Size

Worldwide international tourist arrivals increased 5% to 1.4 billion in 2018, according to estimates from the World Tourism Organization (UNWTO) .

The most recent data from the National Travel and Tourism Office reveals that 79.3 million international travelers visited the U.S. in 2019 alone.

Who Can Purchase Atlas Series Insurance?

Applicants are eligible for Atlas insurance coverage if they are traveling outside of their home country. Applicants must purchase coverage for at least 5 days, though they are not required to travel all 5 days.  Babies must be at least 14 days old to qualify for coverage. There is no maximum age limit for Atlas Travel, Atlas Premium, or Atlas Group.

The Atlas Series is not available to individuals who are physically located in Canada, Australia, or the states of New York, Maryland, or Washington at the time of purchase. Applicants are permitted to use a mailing address for these locations as long as they are not physically located there when they apply for coverage.

Additional qualifications vary by plan:

• Atlas MultiTrip – Applicants must be under age 76 and maintain medical insurance that covers them while they are in their home country. Your client’s spouse and children are also eligible for coverage as long as they meet these same requirements.
• Atlas Group – Applicants must be traveling as part of a group of 5 or more. All group members must select the same primary destination, though they do not need to have the same travel dates.

IMPORTANT NOTE: Due to U.S. government regulations , we are unable to sell policies in countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws.

Atlas Series Benefits

All plans in the Atlas Series include medical benefits, coverages in case of unexpected death, supplemental travel assistance benefits, and multilingual travel assistance services.

Read on to see additional Atlas Series highlights and learn about the benefits and coverage amounts specific to each plan. You’ll also discover who each product is designed for and how to determine which plan is best suited to your client’s unique needs and budget.

Atlas Series Highlights:

• Up to $2 million in coverage
• Deductible options between $0 and $5,000
• Immediate fulfillment
• Ability to extend or renew
• International provider search engine
• Travel assistance services
• Easy cancellation

Product Focus – Atlas Travel

Atlas Travel is budget-friendly travel medical insurance for travelers taking a single trip abroad.

Who Is Atlas Travel Designed for?

• Tourists and vacationers
• Digital nomads
• Backpackers, eco-tourists, and other adventure travelers
• Travelers visiting family abroad

Atlas Travel May Be Ideal for Your Client If:

• They are taking a single international trip of 364 or fewer days
• They are traveling alone or as part of a duo or small group (3-4 people)
• They are seeking quality coverage at a competitive price

Plan Highlights Include:

• Coverage for eligible expenses related to COVID-19
• Maximum Coverage: Up to $2,000,000
• Emergency Medical Evacuation: Up to $1,000,000
• AD&D: Up to $25,000 (maximum coverage depends on age)
• Personal Liability: Up to $25,000 
• Emergency Dental – Acute Onset of Pain: Up to $300
• Trip Interruption: Up to $10,000
• Lost Checked Luggage: Up to $1,000
• Political Evacuation: Up to $100,000
• Crisis Response: Up to $10,000 (increase to $100,000 with optional buy-up)
• Emergency Quarantine Indemnity for COVID-19: Up to $50 a day for up to 10 days

See the Atlas Travel Description of Coverage for additional details, benefits, and exclusions.

Product Focus – Atlas Premium

Atlas Premium is elite travel medical insurance for your clients seeking higher coverage limits.

Who Is Atlas Premium Designed for?

• Parents looking for premium family coverage
• Adventure travelers and vacationers interested in emergency medical benefits and supplemental travel benefits in the highest coverage amounts
• The business and travel elite seeking additional coverage

Atlas Premium May Be Ideal for Your Client If:

• They are willing to pay a higher premium for higher coverage limits
• AD&D: Up to $100,000 (maximum coverage depends on age)
• Personal Liability: Up to $100,000
• Trip Interruption: Up to $15,000
• Lost Checked Luggage: Up to $2,000
• Political Evacuation: Up to $150,000
• Crisis Response: Up to $100,000

Product Focus – Atlas Group

Atlas Group is budget-friendly travel medical insurance that provides a 10% discount to your clients who are traveling as part of a group.

Who Is Atlas Group Designed for?

• Large families
• Friend groups
• Student groups
• Mission groups

Atlas Group May Be Ideal for Your Client If:

• They are traveling abroad for 364 or fewer days
• They are traveling as part of a group of 5 or more

(Below are per-person limits.)

• Personal Liability: Up to $25,000
• Terrorism: Up to $50,000
• Natural Disaster – Replacement Accommodations: Up to $250/day up to 5 days
• Crisis Response: Up to $10,000

See the Atlas Group Description of Coverage for additional details, benefits, and exclusions.

Product Focus – Atlas MultiTrip

Atlas MultiTrip is travel medical insurance that allows your clients who take frequent trips abroad to make a convenient, one-time payment that covers 364 days.

Who Is Atlas MultiTrip Designed for?

• Frequent global travelers
• Sales professionals
• Business executives
• Production and quality control managers

Atlas MultiTrip May Be Ideal for Your Client If:

• They plan to take multiple international trips in a one-year period
• Each international trip will be no more than 30 or 45 days (whichever they choose)
• They would rather pay once and get 364 days of coverage than purchase separate policies for each trip abroad
• Maximum Coverage: $1,000,000
• Emergency Dental (Acute Onset of Pain): Up to $300

See the Atlas MultiTrip Description of Coverage for additional details, benefits, and exclusions.

What Expenses Are Excluded?

Here are some of our more asked-about exclusions:

• Pre-existing conditions*
• Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
• Routine pre-natal, pregnancy, childbirth, and post-natal care
• Medical expenses for injury or illness resulting from participation in some sports
• Medical expenses related to any form of cancer or neoplasm
• Mental health disorders
• Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

For a full list of exclusions, be sure to read through the Description of Coverage for each plan.

*A pre-existing condition is any condition:

• for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage 
• which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
• that existed (with reasonable medical certainty) within 2 years prior to your effective date of coverage, whether or not it was known to you

Why Should I Recommend the Atlas Series?

• Budget-Friendly Options. Atlas policies start at just a dollar a day.
• Flexibility.  You can modify your client's plan to fit their needs. Choose their deductible, length of coverage, and overall coverage maximum. Atlas Travel also has the option of benefit limit increases for AD&D, Personal Liability, and Crisis Response.
• Financial Help for Unforeseen Medical Expenses. Members will be covered for eligible hospitalizations, emergency medical evacuation, accidental death and dismemberment, and more.
• Convenience.  Applicants can easily get quotes and immediately buy online. They can also purchase coverage while traveling, extend their coverage after purchase, or cancel their policy if their plans change.
• Immediate Fulfillment. Applicants will receive their policy documents and visa letters immediately after purchase.
• International Provider Search Engine. Members can find qualified medical providers worldwide .
• Client Zone. This portal allows members to easily manage their policy, extend or renew their coverage, reprint ID cards, download forms, make payments, and submit claims.
• Multilingual Travel Assistance. Members can get help with provider referrals, translations, replacement of vital travel documents, and more 365 days a year.

Explore the Atlas Series Brochures to Learn More

You’ll find a thorough plan description, a table of benefits, benefit explanations, and enrollment and claims information in each product brochure:

• Atlas Travel Brochure  – Available in English, Spanish, Chinese, Portuguese, and Japanese
• Atlas Travel / Atlas Premium Comparison Brochure  – Available in English and Spanish
• Atlas Group Brochure  – Available in English, Spanish, and Japanese
• Atlas MultiTrip Brochure  – Available in English and Spanish

See Monthly and Daily Atlas Rates

You’ll find monthly and daily premium tables on each Atlas application form:

• Atlas Travel Rates
• Atlas Premium Rates
• Atlas Group Rates
• Atlas MultiTrip Rates

Rates are subject to change, so be sure you’re viewing current rates. You’ll find the effective date for the rates listed in the bottom left-hand corner of the premium table pages.

WorldTrips 4 Carter Green Suite 400 Carmel, IN 46032 800- 605-2282

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International  Travel Medical Insurance

Need insurance while traveling, studying or living abroad around the world? The Atlas Travel Medical Insurance plan is designed for coverage outside of your home country.

The Atlas Travel Medical Insurance plan provides coverage for those who are traveling, studying, volunteering, or living abroad around the world, outside of their home country. It offers core travel insurance benefits, with coverage from as little as 5 days. The plan is designed for anyone, as long as they are outside their home country, but especially for:

• Students needing travel insurance coverage,
• Dependents who are not covered by their spouse’s or parent’s plan,
• International volunteers or those doing service work trips abroad,
• or anyone looking for an affordable travel medical insurance plan.

The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits that are designed to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

Highlights of the plan include:

• Up to $2 Million in Coverage
• Hospitalization/ Doctors Visits
• Prescription Medication
• Evacuation/ Repatriation
• Skiing / Snowboarding Included
• Lost Luggage
• Trip Interruption
• Online Instant Application
• Plan Management Online
• and much more…

Buy Coverage Now

Need your documents now? If you need your insurance documents quickly, you can apply online for coverage and receive all your insurance documents online and to your email address in PDF format immediately. Simply download and print these documents for instant proof of coverage.

This plan is underwritten by Lloyd's .

Plan Overview Video

Find out if this plan is right for you in this short one minute video!

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Travel Insurance

WorldTrips travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 9:06 a.m. UTC Nov. 13, 2023

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Best for extension of travel insurance coverage

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

WorldTrips’ Atlas Journey Preferred policy offers an extension of coverage benefit that’s almost three weeks longer than that of any other company we evaluated, and this extension includes medical quarantine coverage.

• Cheapest of the 5-star plans in our rating.
• Top-notch $1 million per person in medical evacuation coverage.
• Very good travel delay and missed connection coverage.
• Optional “cancel for any reason” coverage of 50% or 75%.
• Emergency medical coverage is secondary, with optional upgrade to primary.
• No “interruption for any reason” coverage.

About WorldTrips travel insurance

WorldTrips Atlas Journey travel insurance plans provide customizable travel insurance coverage at a competitive price. Depending on the type of trip you are planning, you can customize your travel insurance coverage by adding upgrades such as pet care coverage, hunting and fishing equipment coverage and even destination wedding coverage.

In this WorldTrips insurance review, we break down WorldTrips’ three main insurance plans, share sample pricing for its top-rated travel insurance plan and explain some common policy exclusions.

WorldTrips travel insurance plans

WorldTrip’s Atlas Journey travel insurance plans include medical coverage and trip interruption coverage for both domestic and international trips. The three travel insurance plans — Premier, Preferred and Economy — allow you to select the plan with the appropriate amount of coverage to meet your travel needs.

Atlas Journey Economy

The WorldTrips Atlas Journey Economy plan was designed for travelers who are looking for basic coverage on their next vacation or business trip.

The plan includes all the basic travel insurance coverages such as trip cancellation, trip interruption, trip delay, medical coverage, medical evacuation and baggage coverage.

Of the three plans, the economy plan offers the lowest payout benefits. The travel medical insurance limit is only $10,000 per person. This coverage limit might be fine when traveling through the United States where your primary medical insurance would cover any emergency medical situations. However, if you are traveling internationally through countries that do not accept your domestic health insurance , you might want to upgrade your plan to include more medical coverage.

Atlas Journey Preferred

The WorldTrips Atlas Journey Preferred plan includes everything the economy plan does, but increases the coverage amount for every benefit. This plan gets 5 stars in our rating of the best travel insurance . 

Atlas Journey Preferred provides the same trip cancellation , interruption and emergency evacuation benefits as the top-tier Premier plan, but offers slightly lower limits for delay, missed connection and baggage insurance.

The biggest difference between the Preferred and the more expensive Premier plan is that the Preferred plan offers up to $100,000 in secondary emergency medical coverage while the Premier plan offers up to $150,000 in primary emergency medical coverage. You can opt to upgrade the Preferred plan to primary coverage for an additional fee, however.

Know more: Flight cancellations

Atlas Journey Premier

The WorldTrips Atlas Journey Premier plan is the crème de la crème of the WorldTrips trio of plans. It offers travelers the highest payout benefits of all the plans, which is especially important for those traveling overseas.

Compare WorldTrips travel insurance plans

What worldtrips travel insurance covers.

The core types of travel insurance packaged together in WorldTrips Atlas Journey policies include:

• Sickness or injury that renders you or your traveling companion unable to travel. 
• Death of a family member, traveling companion or business partner.
• Severe weather that causes your common carrier to shut down for more than 12 hours. 
• Terrorist incident or civil unrest in your destination. 
• Emergency medical expenses: Travel medical insurance helps pay doctor and hospital bills and emergency evacuations if you get sick or injured on your trip.
• Travel delay: If your trip is delayed for five hours or more due to a reason listed in the policy, travel delay insurance can help cover the cost of accommodations, meals and local transportation while you are delayed. 
• Baggage: Baggage insurance includes lost or stolen baggage, excessive baggage damage and baggage that is delayed more than 12 hours.  
• Travel Assistance Services: Multilingual travel agents can provide worldwide travel, medical, emergency, and security assistance 24 hours a day, seven days a week. 

What WorldTrips travel insurance doesn't cover

Like all travel insurance plans, WorldTrips plans will not cover everything. While it is always a good idea to read the fine print before buying a policy, here are some exclusions to WorldTrips travel insurance plans. 

• Traveling against the advice of a physician.
• Medical tourism.
• Intoxication. 
• Pre-existing conditions, unless you qualify for a waiver of the pre-existing condition exclusion.
• Participation in an organized sports competition or as a sporting professional.
• Participation in bodily contact sports, extreme sports, and certain adventure sports. 

WorldTrips travel insurance rates

Worldtrips additional coverage options and benefits.

You can customize and enhance WorldTrips travel insurance plans with the following add-ons, provided they are available with the plan you choose and in your state. 

“Cancel-for-any-reason” (CFAR) coverage

A “cancel for any reason” upgrade allows you to cancel your trip for any reason not already covered by your trip cancellation benefit, as long as you do so at least 48 hours before your scheduled departure.

Premier and Preferred plan policyholders can choose to be reimbursed for 50% or 75% of their costs with CFAR. This optional coverage is not available with the Atlas Journey Economy plan. 

“Interruption-for-any-reason” coverage

The trip “interruption for any reason” (IFAR) upgrade reimburses 50% of your trip cost as long as you are at least 48 hours into your trip when you decide to end your travels early. This optional coverage is only available on the WorldTrips Atlas Journey Premier plan.

Destination weddings 

This upgrade allows you to get trip cancellation benefits if the destination wedding you are attending is canceled after you buy your travel insurance policy. The destination wedding coverage is only available on the WorldTrips Atlas Journey Preferred and Premier plans.

Adventure sports 

This optional coverage extends your travel insurance to include safari activities, bungee jumping, hang gliding and other extreme activities. This add-on is available for all WorldTrips Atlas Journey plans. 

Emergency medical expense primary coverage

WorldTrips Atlas Journey Preferred policyholders have the option to upgrade their emergency accident and sickness coverage from secondary to primary coverage. 

Rental car damage and theft

This upgrade adds collision damage and theft coverage for rental vehicles. The rental car coverage is an available add-on for all plans. 

This upgrade adds trip cancellation or trip interruption coverage in the event of the death or critical illness of your dog or cat. It also adds vet care compensation if your dog or cat becomes ill when traveling with you. The pet care coverage is an add-on option for all plans. 

Baggage damage or loss primary coverage

This add-on doubles your baggage coverage limits. It also increases the baggage insurance to primary coverage up from the secondary coverage available on the WorldTrips Atlas Journey plans. This upgrade is available on all plans. 

Vacation rental accommodations

The vacation rental coverage offers interruption coverage if your vacation rental is unclean, overbooked or the keys are lost. The optional coverage upgrade is available on all plans. 

Additional covered school activities 

This optional upgrade adds cancellation coverage if a student is required to take a test, the school year is extended or if a sporting event is scheduled. The coverage upgrade is available on all plans.

Hunting and fishing activities

The hunting and fishing upgrade covers cancellation due to government restrictions. It also covers equipment if it is lost, damaged or stolen and reimburses travelers for rental gear. The optional coverage upgrade is available on all plans.

Methodology

Our insurance experts reviewed 42 aspects of 53 policies to find the best travel insurance plans. We used data provided by Squaremouth, a travel insurance comparison provider. For companies offering more than one travel insurance plan, we shared information about the highest-scoring plan (or two, in case of a tie).

Some companies may offer plans with additional benefits or lower prices than the plans which scored the highest, so make sure to get travel insurance quotes to see your full range of options.

The factors we scored out of a possible 100 points include the following.

Cost: 30 points. We scored the average cost for each travel insurance policy for a variety of trips and traveler profiles:

• Couple, age 30 for an 8-day trip to Mexico costing $3,000.
• Couple, age 30 for an 8-day trip to Mexico costing $3,000, with CFAR coverage upgrade.
• Couple, age 40, for a 17-day trip to Italy costing $6,000.
• Couple, age 40, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Family of four, for a 17-day trip to Italy costing $15,000.
• Family of four, for a 17-day trip to Italy costing $15,000, with CFAR coverage upgrade.
• Couple, age 65, for a 17-day trip to Italy costing $6,000.
• Couple, age 65, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Couple, age 70, for an 8-day trip to Mexico trip costing $3,000.
• Couple, age 70, for an 8-day trip to Mexico trip costing $3,000, with CFAR coverage upgrade.

Medical expenses: 15 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 15 points.

Medical evacuation: 15 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 15 points.

“Cancel for any reason” upgrade: 5 points. We gave travel insurance plans with the option of a “cancel for any reason” upgrade 5 points.

Trip interruption travel insurance: 5 points. We gave 5 points to travel insurance plans that offer trip interruption reimbursement of 150% or more.

Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in at 6 hours or less.

Baggage delay required waiting time: 5 points. We gave 5 points to travel insurance policies with baggage delay benefits that kick in at 12 hours or less.

Pre-existing medical condition exclusion waiver: 5 points. We gave policies that cover pre-existing medical conditions if purchased within a required timeline 5 points.

Non-medical evacuation: 5 points. If a policy provides coverage for non-medical evacuation, such as for political or security reasons, we gave it 5 points.

Cancel for work reasons: 5 points. If a plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.

Employment layoff: 5 points. Travel insurance policies that allow you to cancel your trip because of layoff at a company where you have worked for one continuous year were scored 5 points. If a plan requires that you had the job for more than a year to qualify, no points were given.

WorldTrips insurance review FAQs

Yes, WorldTrips offers both annual and group medical insurance plans. 

• Atlas Group medical insurance plans offer a 10% reduced rate for families and groups of five or more when traveling abroad. 
• Atlas MultiTrip insurance is annual travel medical coverage for multiple trips abroad in a period of 364 days. 

Yes, WorldTrips offers travel health insurance for international students. WorldTrips’s Atlas America travel health insurance is for non-U.S residents and citizens who travel internationally to the United States. Atlas America insurance reviews online are overwhelmingly positive, with 96% of reviewers recommending the policy.

WorldTrips considers a pre-existing condition to be an illness, disease or other condition during the lookback period (90 days in most states) immediately prior to your effective date of coverage for which you received or were recommended to receive a test, examination or medical treatment or received a medical prescription. 

WorldTrips will waive the pre-existing conditions exclusion if you purchase your plan within 21 days of the date you made your first payment toward your trip and you are medically able to travel on the date of purchase.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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WorldTrips Travel Insurance Review: Is it Worth The Cost?

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Since 1998, WorldTrips has provided medical insurance and trip protection to travelers from the U.S. and around the world in addition to coverage for international students. The company also provides coverage for various tour groups, missionary work and student exchange programs. The insurance policies are underwritten by Tokio Marine HCC, a Houston-based insurance company.

Whether you’re a U.S. resident looking for comprehensive travel insurance plans or a student looking for a medical-only policy, WorldTrips insurance has coverage options.

What kind of plans does WorldTrips provide?

If you’re a U.S. resident, WorldTrips offers four single-trip comprehensive travel insurance plans: Atlas Cruiser, Atlas Journey Economy, Atlas Journey Preferred and Atlas Journey Premier. Here's a quick overview of the coverage offered by each plan.

Atlas Cruiser: This plan comes with 100% trip cancellation , 100% trip interruption , $25,000 medical expenses, $100,000 medical evacuation and $1,500 baggage loss coverage (up to $500 per item). This plan also offers optional Cancel For Any Reason coverage for up to 75% of the total trip cost (as long as you purchase it within 21 days of your initial trip payment and more than 48 hours before your trip begins).

Atlas Journey Economy: This budget plan covers 100% trip cancellation, 100% trip interruption, $10,000 medical expenses , $250,000 medical evacuation and $1,000 baggage loss (up to $250 per item).

Atlas Journey Preferred: This mid-range plan offers coverage for 100% trip cancellation, 150% trip interruption, $100,000 medical expenses, $1 million medical evacuation and $1,500 baggage loss (up to $500 per item). You can add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Atlas Journey Premier: The priciest plan also provides the most coverage, including 100% trip cancellation, 150% trip interruption, $150,000 medical expenses (primary coverage), $1 million medical evacuation and $2,000 baggage loss (up to $500 per item). You have the option to add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Non-U.S. residents and international students have access to medical-only policies. Annual plans aren’t available for U.S. residents.

» Learn more: The best travel insurance companies

WorldTrips travel insurance cost and coverage

WorldTrips offers several comprehensive single-trip plans that include basic trip protections and medical coverage. The cost varies based on coverage limits.

WorldTrips single-trip plan cost

Here's a comparison of the cost of WorldTrips insurance plans for a 10-day trip that costs $2,000 for a 35-year-old traveler from California. In our example, the destination isn’t specified, and the trip doesn’t include a cruise.

The Atlas Journey Premier plan comes in at $126, the most expensive option. The Atlas Cruiser plan has a similar cost of $120. The Preferred and Economy plans, which cost $103 and $79, respectively, are a bit cheaper, but come with lower coverage limits.

» Learn more: What to know before buying travel insurance

Which WorldTrips travel insurance plan is for me?

The kind of coverage you’re seeking for your upcoming travels is going to affect your plan selection. Here are a few situations which might influence your decision:

If you’ve made nonrefundable deposits for your trip: If you’re going on a safari to Kenya or on a cruise to Antarctica and you’ve prepaid nonrefundable expenses, you probably want to go with plans that offer more coverage, such as Atlas Journey Preferred or Atlas Journey Premier.

If you need to add on Cancel for Any Reason coverage: For single-trip insurance plans, go with either Atlas Cruiser, Atlas Journey Preferred or Atlas Journey Premier because they offer this optional upgrade.

If travel insurance is mandatory and you hold a premium travel rewards credit card : If a tour operator requires you purchase travel insurance but you hold a credit card that already provides some trip protections, you can probably get away with the least expensive Atlas Journey Economy policy.

» Learn more: What does travel insurance cover?

How to get a quote from WorldTrips

To get an online quote, go to the WorldTrips home page and select whether you’re a U.S. resident, a non-U.S. resident or an international student. If you’re a U.S. resident, click on that box, then fill out the form to price your plan.

Make sure to provide your state of residence, total trip cost, departure and return dates, traveler’s age and initial trip payment date. If you’re going on a cruise, be sure to check the box. Once the form is complete, select “View my plans” and compare the plan types.

What isn’t covered by WorldTrips insurance?

As with any travel insurance policy, there are some exclusions to coverage. Here’s a sampling of things WorldTrips doesn’t cover:

Intentional self-inflicted injuries, including suicide.

War, invasion or acts of foreign enemies.

Speed or endurance competitions as well as athletic stunts.

Piloting or learning how to pilot an aircraft.

Being engaged in illegal activities.

Medical tourism.

Traveling against a physician’s advice.

Operating a motor vehicle without a license.

» Learn more: How much is travel insurance in 2023?

Is WorldTrips travel insurance worth it?

WorldTrips insurance offers multiple plans for U.S. travelers looking for trip insurance and medical coverage abroad as well as non-U.S. travelers and students looking for medical coverage in case of an unexpected injury or illness.

If you travel once or twice per year, WorldTrips offers several comprehensive single-trip policy options that are worth checking out. However, if you need an annual plan, you'll want to look elsewhere.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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• Seven Corners Travel Insurance
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• Travelex Travel Insurance
• Trawick International Travel Insurance
• AXA Assistance USA
• TravelSafe Insurance

CFAR Travel Insurance Frequently Asked Questions

• Why You Should Trust Us

Best Cancel for Any Reason Travel Insurance

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

"Cancel for Any Reason" (CFAR) travel insurance provides the utmost flexibility, allowing you to cancel your trip for any reason that's not covered by standard travel insurance. It's the safety net for those 'just in case' moments, offering peace of mind for unforeseen circumstances. Let's dive into what sets CFAR cover apart from general-purpose best travel insurance policies .

• Seven Corners Travel Insurance : Best Overall
• Travel Guard : Best Value
• Travelex Travel Insurance : Best for Adventurers
• Trawick International Travel Insurance : Most Popular
• AXA Assistance USA : Best for Cruises and Tours
• TravelSafe Insurance : Best for Quick Protection

Compare the Top CFAR Insurance Offers

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

Best Cancel for Any Reason Insurance Reviews

Best overall cfar insurance: seven corners travel insurance.

Seven Corners Travel Insurance is a well-known carrier that has served thousands of travelers. The Trip Protection Choice plan offers a cancel for any reason travel insurance add-on that covers up to 75% of total trip costs, with a maximum of up to $75,000 in reimbursement. Medical coverage is also generous, with up to $500,000 per person for eligible medical expenses and evacuation/repatriation limits of up to $1 million per person.

Seven Corners also offers generous benefits on lost baggage and delayed travel or baggage expenses. Baggage delay benefits kick in after just six hours and go up to $500 per person. The Choice plan does not insure travel canceled by tour operators that are or have gone out of business, so this policy may not be the best fit for travelers who plan to visit destinations with tenuous

Read our Seven Corners Travel Insurance review here.

Best Value CFAR Travel Insurance: AIG Travel Guard Travel Insurance

Travel Guard  is one of the best-known names in the travel insurance industry, with several plans available for traveler needs in every direction. AIG also provided the lowest quote for our hypothetical Europe travelers despite offering the highest ceiling on CFAR reimbursement. Both AIG's Preferred and Deluxe insurance plans offer CFAR coverage as an add-on to the policy, and some policies cover up to 75% of total trip costs going all the way up to a maximum reimbursement of $112,500.

Many AIG policies also include COVID coverage even without CFAR protection, as well as some ancillary benefits such as rental car protection and even pet travel insurance.

Read our AIG Travel Guard Insurance review here.

Best CFAR Insurance for Adventurers: Travelex Travel Insurance

Travelex Travel Insurance is a great cancel for any reason option for travelers who plan to participate in strenuous or adventurous activities during their trip. While the CFAR coverage add-on only reimburses up to 75% of nonrefundable trip expenses, it still provides a certain modicum of peace of mind in case of emergencies, with cancellation available as an option up to 48 hours before travel begins. Travelex offers low medical coverage compared with its competitors, with a maximum of up to $50,000 per person. Travelers participating in adventure sports can purchase an optional add-on bundle for additional coverage. In case of emergency, Travelex policy holders might do well to consider the travel insurance benefits on their credit cards to supplement any potential medical expenses.

Read our Travelex Insurance review here.

Most Popular Cancel for any Reason Travel Insurance: Trawick Travel Insurance

Trawick International Travel Insurance had one of the priciest plans with CFAR coverage in our comparison, but the carrier's popularity amongst travelers is undeniable, for many reasons. The Safe Travels Explorer is particularly beneficial for pet owners who may incur medical expenses for their animals, as the plan includes up to $250 toward unexpected costs for cats and that who accompany their owners in their travels.

While Trawick's CFAR coverage was one of the most expensive add-ons we evaluated as well, the carrier offers generous compensation margins for travelers who need it, with up to 75% reimbursement for nonrefundable trip costs.

Read our Trawick Travel Insurance review here.

Best CFAR Coverage for Cruises: A XA Assistance USA Travel Insurance

AXA Assistance USA  is a great option for our hypothetical Europe cruise travelers, with its coverage of up to $1,500 per person for missed cruises and tours. This insurer also covers lost and delayed ski, sports and golf equipment – items that aren't always included in lost or delayed baggage coverage under other carriers. The rest of your belongings are safe too with AXA, as lost baggage claim ceilings are up to $3,000 per person - more than double some of its other competitors. Unfortunately, AXA may not be the best fit for travelers who need high-ticket travel protection, as the upper limit for CFAR reimbursement only goes up to a maximum of $50,000 despite covering up to 75% of total nonrefundable expenses, which is lower than the ceilings from other competitors such as AIG and Seven Corners. Furthermore, CFAR insurance coverage can only be added on to AXA's top-tier Platinum plan.

Read our AXA Assistance USA Travel Insurance review here

Best CFAR Coverage for Convenience: TravelSafe Travel Insurance

Travel insurance is a great option to consider if you have a lot of stops or transits on your trip, or if you are an expat living abroad. This insurer offers flexible coverage terms for longer travel durations. If you are 79 years old or younger, you can purchase a single-trip travel insurance plan that can cover your adventures for up to 120 days. Furthermore, reimbursement for baggage delays and losses, trip delays and missed connections kick in far more quickly than most competitors, with up to $2,500 per person for eligible missed travel connections available at the three-hour mark.

While TravelSafe's medical coverage of up to $100,000 may be on the lower side for travelers who anticipate potential medical expenses, those with the right credit cards may be able to supplement their emergency costs through a claim with their card issuer.

Read our TravelSafe Insurance review here.

Understanding 'Cancel for Any Reason' Coverage

Key features.

CFAR policies are unique; they allow cancellation for reasons beyond the usual covered reasons of travel insurance policies. This includes fear of traveling due to a pandemic or a sudden change of mind. However, it's essential to understand the specifics, such as the percentage of the trip cost reimbursed and the time frame for cancellation.

How CFAR Differs from Standard Policies

Unlike traditional travel insurance policies that cover specific cancellation reasons like illness or weather-related issues, CFAR offers a broader spectrum of coverage. It's the premium choice for travelers seeking full control over their plans.

That said, you must also buy travel insurance early if you want to qualify for a CFAR policy, usually within a certain period from when you place a deposit on your trip. That's why it's important to be mindful of when you buy travel insurance . 

How to Pick The Best CFAR Travel Insurance Plan for You

There is no one-size-fits-all "best" insurance plan, especially for CFAR coverage, which can add to your insurance premium. Even for the same person, the right policy will vary from trip to trip, depending on your activities.

If you're primarily concerned about getting your money back if your schedule changes, you may be able to get away with a basic plan that allows you to add CFAR coverage. If you're undertaking a grueling hike through some challenging mountain ranges, you may want to select a policy that includes generous medical and evacuation protection, plus flexibility to reschedule or re-book your trip in case of injury. And if you plan to visit a number of destinations within a short amount of time, trip delay or baggage loss protection may need to be one of your top priorities.

Steps to Choosing CFAR Coverage

• Evaluating Your Travel Needs Consider the nature of your trip, destinations, and what uncertainties you might face. This will help determine the level of travel insurance coverage you need.
• Comparing Prices and Benefits Analyze different policies in terms of cost, coverage percentage, and additional benefits. Look for the best value for your specific needs.
• Reading the Fine Print Understanding the terms and conditions, including the cancellation window and reimbursement process, is crucial to avoid any surprises.
• Making the Most of Your Policy Once you've chosen a policy, it's important to know how to use it effectively.
• Understanding Your Policy Familiarize yourself with the details of your policy, including how and when to file a claim.
• Tips for Filing a Claim Be timely and thorough when filing a claim. Keep all relevant documents handy and follow the provider's process closely to ensure a smooth experience.

CFAR insurance is purchased as an add-on to a single trip travel insurance policy. It will affect how much you can receive for a canceled trip, but won't affect your other benefits. 

No, insurance providers generally don't offer CFAR for multi-trip annual plans. It's limited to single trip travel insurance.

This varies by provider, but typically, CFAR policies reimburse between 50% and 75% of the pre-paid, non-refundable trip cost.

Yes, cancel for any reason travel insurance is worth it if there's a chance you need to change your travel plans. Traditional travel insurance only offers cancellation coverage for specific reasons, so CFAR insurance provides extra coverage and peace of mind. It also reduces the amount of paperwork necessary for filing a claim.

Trip cancellation coverage is a benefit of standard travel insurance plans, offering reimbursement if your trip needs to be canceled for specific covered reasons, such as a death in the family or illness. On the other hand, cancel for any reason insurance, reimburses you for a canceled trip regardless of the reason, so there are fewer restrictions.

Why You Should Trust Us: How We Chose the Best CFAR Travel Insurance

Business Insider reviewed numerous insurance products looking for the best options. Especially when it come to travel insurance, each traveler has a distinct experience and plan. So we looked for companies offering the optimal coverage packages for certain groups.

To accurately compare the cost of CFAR coverage from the insurance carriers we recommend, we collected quotes for a hypothetical two-week trip to three countries in Europe for two travelers ages 38 and 45 that includes a river cruise, renting a vacation home, and taking several flights. The total cost of travel comes out to $14,000 between two people.

The main factors we evaluated when picking our top CFAR travel insurance options were: policy cost, level of protection, claims experience, and policy types.

All our reviews are independently done, meaning travel insurance companies don't get to review or approve our reviews. Similarly, our top guide spots are not for sale. All placements are earned through strong coverage, efficient claims handling, and strong customer service.

Read our insurance rating methodology for more details.

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