CFAR Sample Policy

World-Class Coverage & Benefits

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This Travel Protection Program is for US Residents* traveling to US-based and international locations (not subject to published travel restrictions). The No Worries Travel Protection Program is underwritten by Nationwide Mutual Insurance Companies and Affiliated Companies, Columbus, OH.

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Sample Policy and Schedule of Benefits:

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

*schedule of benefits – CFAR

Standard Plan + 60% Reimbursement “For Any Reason”

All references to currency are in United States dollars.

Let us help protect your trip investment by taking the worry out of any unforeseen circumstance that could disrupt your plans. We provide trip cancellation & interruption coverage, protecting up to 100% of your trip costs for reasons like: weather disruptions, job loss, covered illness or injury, death in the family, road closure, airline cancellations or even the death of your family pet, plus much, much more.

When should you purchase Cancel For Any Reason travel protection?

  • Purchase at time of booking
  • Purchase within 14 days of initial booking
  • May be purchased less than 30 days from check in date as long as its purchased at time of booking

COVERAGE

MAX. LIMIT

COVERAGE

Trip Cancellation

MAX. LIMIT

100% of the trip cost up to $100,000

COVERAGE

Trip Interruption

MAX. LIMIT

100% of the trip cost up to $100,000

COVERAGE

Trip Delay

MAX. LIMIT

$600

($200 per day maximum, Minimum 6 hr. delay)

COVERAGE

Baggage / Personal Effects

MAX. LIMIT

$1,000

COVERAGE

Baggage Delay (Outward Journey Only)

MAX. LIMIT

$1,000

($200 per day maximum, Minimum 12 hr. delay)

COVERAGE

Accidental Death & Dismemberment

MAX. LIMIT

$25,000

COVERAGE

Emergency Accident and Sickness Medical Expenses

MAX. LIMIT

$25,000

COVERAGE

Emergency Medical Evacuation / Repatriation of Remains

MAX. LIMIT

$250,000

COVERAGE

Pre-Existing Conditions

MAX. LIMIT

Covered if purchased within 14 days of initial trip deposit.

COVERAGE

10-Day Free Look

MAX. LIMIT

You may cancel your plan within 10 days of purchase when you have not filed a claim or departed on your trip.

COVERAGE

Traveling Companions

MAX. LIMIT

Policy coverage is per reservation, which includes the entire traveling party staying at the rental unit. Party should not exceed occupancy limit for that particular rental unit.

COVERAGE

Cancel For Any Reason

MAX. LIMIT

We will reimburse your or your designated representative for 60% of the prepaid, forfeited, non-refundable payments or deposits paid to the Travel Supplier for the Covered Trip arrangements provided the following conditions are met: (a) This coverage was purchased within fourteen (14) days of the date the initial Payment or Deposit is paid and insures the cost of any subsequent arrangement(s) added to the same Covered Trip within fourteen (14) days of the date of Payment or Deposit for any subsequent Covered Trip arrangement(s); and (b) This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and (c) You or Your designated representative cancels the Covered Trip no less than two (2) days prior to the Scheduled Departure Date.

*Up to the lesser of the Trip Cost paid or the Trip Cancellation Benefit amount.
* This Program is for US Residents traveling to US-based and international locations (not subject to published travel restrictions).
* Maximum Trip Cost is $100,000.
* Maximum Length of Trip is ninety (90) days.

* The Pre-existing Condition Exclusion applies to Trip Cancellation, Trip Interruption, Trip Delay, Accident and Sickness Medical Expense: A Loss caused by or resulting from a Pre-existing Condition(s) shall be Excluded, unless: (a) the Policy is purchased within fourteen (14) days of Your initial Trip deposit; (b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and (c) You are not disabled from travel at the time You pay the premium.

 

This Schedule is only a partial summary of your coverage benefits, and may vary by state. Your coverage benefits, including any exclusions, conditions and limitations, are described in full in the policy document, a copy of which will be emailed or mailed to you upon purchase. If you do not receive a copy, or want a replacement, please call (843) 286-5144 or email your request to [email protected]

This Program is provided only via licensed agents or authorized referral affiliates.

Plan Cost: 7.00% of Reservation Total (Travel Protection Plan only); 9.80% of Reservation Total (Travel Protection Plan with optional CFAR, in states where available).

don’t worry, we have you covered.

our travel protection benefits include:

  • TRIP CANCELLATION

    – Coverage for your non-refundable trip costs, including penalties, fees and other costs you may incur if you have to cancel for one of 30+ covered reasons.

  • TRIP INTERRUPTION

    – Coverage for insured trip costs, including penalties, fees and other costs you may incur during your trip if you have to interrupt the trip for one of 30+ covered reasons.

  • TRIP DELAY

    – Coverage for unexpected additional expenses such as meals, lodging or local transportation if your trip is delayed by more than six hours for a covered reason.

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  • EMERGENCY MEDICAL

    – Coverage for emergency medical expenses you have during your trip due to accidental injury or illness.

  • EMERGENCY MEDICAL EVACUATION

    – Coverage for necessary emergency medical evacuation due to an accidental injury or sickness during a trip.

  • BAGGAGE/PERSONAL EFFECTS

    – Coverage for lost, stolen or damaged luggage and personal items.

  • TRAVEL ASSISTANCE SERVICES

    – Coverage for medical or legal referral services, passport visa information, prescription drug/eyeglass replacement services and additional services during your trip.

examples of CFAR coverage

The following are few examples where NO WORRIES travel protection would provide a benefit. Please refer to coverage details for any specific limitations or exclusions:

  • Sickness, accidental injury or death to yourself, a family member or traveling companion that results in medically imposed restrictions, as certified by a physician that results in a need to cancel your trip.
  • Weather at your departure location that prevents your departure for 48+ hours.
  • You are laid off from work from a company from which you have been employed 2+ years, your company transfers your employment location of greater than 250 miles or your company requires you to work rather than trav
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  • A natural disaster renders your destination site as uninhabitable or there is a mandatory evacuation for events such as a hurricane, tornado, fire, earthquake, flood, etc.
  • Your approved military leave has been revoked or you experience a reassignment.
  • The death of a family member who may or may not have been scheduled to accompany you.
  • The airlines go on strike and you can’t get to your destination.

  • The school where your children attend extends the school year to make up for weather days and it impacts your scheduled travel plans.
  • You are hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of a felonious assault, or your primary home experienced a fire within 10 days of departure are also examples where you would be covered.
  • You have a traffic accident on the way to your destination.
  • You become ill during your trip and incur emergency medical expense to include hospital bills, x-rays, ambulance service, etc.
  • You have an injury that requires you to be medically evacuated (coverage up to $250,000).
  • The airline lose or delay arrival of your golf clubs and you incur an expense to rent clubs.
  • Your ski trip is interrupted by lack of snow on the trails or stormy weather prevents you from skiing and you have non-refundable lift tickets.
  • Your baggage is lost or delayed.
  • Bankruptcy or Default of a Travel Provider.
  • The death of your dog or cat within 7 days of departure prevents you from participating in your planned trip.
  • Or any of a number of other covered events. See coverage details.

Fill out Your Free Travel Protection Quote below!

have NO WORRIES.

get you, your trip, & your entire group insured today!