At Global Benefits we know the importance of expecting the unexpected.  That's why we offer two different benefits that will cover a cancelled trip.

(1)  Trip Cancellation & Interruption Insurance

You will find basic trip cancellation coverage in every comprehensive policy. This will extend coverage for the cancellation of a trip for specific unforeseen, covered reasons. Commonly, travel insurance plans will cover reasons such as:

• The unexpected illness or injury of you and/or a traveling companion that deems you unfit to travel
• The hospitalization or death of a non-traveling family member
• Weather or common carrier related issues
• Unforeseen natural disasters at home or the destination
• A legal obligation, such as being called for jury duty or to appear as a witness in court

The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation.

Please note that the coverage will reimburse only for specific, unforeseen covered reasons as described in the policy.

(2)  Trip Cancellation & Interruption Insurance including Cancel For Any Reason (CFAR)

Life throws us a curveball once in a while, so when it comes to planning travel months in advance, a little extra protection can be extremely beneficial.

Cancel for Any Reason (CFAR) is an optional benefit of travel insurance coverage which offers the opportunity to cancel travel plans for reasons other than those listed as “covered reasons” on a policy. CFAR allows you to bypass that list, giving you greater flexibility and freedom when making decisions about travel reservations. You cannot purchase CFAR separately – it can only be an “add-on” benefit. It is offered as a part of certain comprehensive plan and will only be available if you meet certain criteria. If you meet all the conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Unlike basic trip cancellation coverage, the CFAR benefit has a few eligibility criteria:

• Depending on the policy, only available within 10-21 days of initial trip payment
• You MUST insure 100% of your pre-paid, non-refundable trip cost
• Cancellation with the travel supplier must occur 48 or 72 hours before departure date, depending on the plan
• Benefits normally cover up to 75% of your expenses

With CFAR, it doesn't matter why you have to cancel your trip – you just can. Often times, travelers will purchase CFAR coverage when traveling to a part of the world with civil or political unrest. This allows the traveler to cancel if uncomfortable with leaving for the trip - second thoughts, fear of safety or a bad omen appeared. Regardless the reason if you are outside 48 hours before your trip, you can cancel.