Standard or Cancel For Any Reason — what's the difference?
Both plans share the same core coverages — trip cancellation, medical, baggage, and more.
The only difference is what happens when you cancel for a reason that's not
on the covered list.
Not available to residents of New York or Hawaii. Washington residents receive CFAR through C&F US Fire.
CFAR coverage must be purchased within 14 days of your initial trip payment.
Standard coverage remains available after that window.
Life throws curveballs. We cover more than 30 of them.
Both plans reimburse 100% for these covered reasons. CFAR adds 60% reimbursement for everything else.
Medical & Health
Your sickness, injury, or death
Traveling family member's sickness, injury, or death
Non-traveling family member's sickness, injury, or death
Traveling companion sickness, injury, or death
Quarantine requirement
Death of your pet shortly before departure
Weather & Natural Disasters
Hurricane, flood, earthquake, volcano
Weather causing 48+ hour service cessation
Destination made uninhabitable
Mandatory evacuation orders
Road closures for 48+ consecutive hours
Work & Employment
Termination after 2+ years employment
Employment transfer of 250+ miles
Company disaster recovery involvement
Company merger, acquisition, or bankruptcy
Employer's government-required product recall
Home & Property
Home made uninhabitable by fire, flood, etc.
Burglary within 10 days of departure
Rental unit uninhabitable
A covered disaster blocks the route to your rental
Travel & Transportation
Traffic accident en route to departure
Common carrier delays or cancellations
Strike causing 48+ hour service cessation
Trip delay causing 50%+ duration loss
Legal & Other
Jury duty or subpoena
Hijacking
Felonious assault within 10 days
Military leave revoked or reassignment
School year extension
Terrorist incident at or near your destination
The above summarizes covered reasons offered across our plans. Plans are underwritten by Nationwide and Crum & Forster, and specific terms, conditions, limitations, and exclusions may differ between them and by state. Your policy or Description of Coverage governs in all cases — please refer to it for exact details.
See How Each Plan Protects You
Real-world situations travelers face — and how each plan responds.
Illness Before Departure
You get the flu two days before your trip and your doctor says you can't travel.
Both plans: 100% reimbursed
Hurricane Hits Destination
A hurricane makes your beach resort uninhabitable and you have to cut your trip short.
Both plans: Trip interruption covered
Work Emergency
Your boss asks you to cancel your vacation for a big project. It's not a covered reason.
Standard: $0 back
CFAR: 60% back
Family Member Gets Sick
Your parent is hospitalized and you need to cancel your trip to be with them.
Both plans: 100% reimbursed
Standard vs. CFAR at a Glance
Both plans include the same core coverages. CFAR adds the safety net.
Feature
Standard
CFAR
Covered reason cancellation
100%
100%
Non-covered reason cancellation
0%
60%
Trip Interruption
Trip Delay
Medical & Dental
Emergency Evacuation
Baggage Protection
24/7 Travel Assistance
Pre-Existing Conditions
Group Coverage (up to 20)
One policy. Everyone covered.
Protect up to 20 travelers in your party for one low price.
One policy covers your entire group
One affordable price for everyone
Simplified application process
Same comprehensive protection for all
Coverage Details
Trip Cancellation & Interruption
If you must cancel or interrupt your trip due to a covered reason, you'll receive up to 100% reimbursement for your prepaid, non-refundable trip costs (maximum $100,000). With Standard coverage, non-covered reasons receive 0% reimbursement. With CFAR (Cancel For Any Reason), you receive 60% reimbursement even for non-covered reasons.
Trip Delay
If your trip is delayed due to a covered reason, you may be reimbursed for additional expenses such as accommodations, meals, and transportation that you incur as a result of the delay.
Medical Coverage
Coverage includes medical expenses for injury or illness during your trip, emergency medical evacuation, and assistance in locating appropriate medical facilities. Our 24/7 travel assistance can help coordinate medical care and transportation.
Baggage Protection
Protection for lost, stolen, or damaged baggage and personal items. Coverage also includes reimbursement for essential items if your baggage is delayed.
Important Information
Coverage is available for USA residents traveling domestically or internationally, except residents of Hawaii
CFAR coverage is not available to residents of New York or Hawaii.
Group coverage protects up to 20 travelers in your party for one low price
Limitations and exclusions apply. See policy for complete terms and conditions
State-Specific Policy Documents
Select Your State of Residence to View your Sample Policy and Schedule of Benefits:
Both Nationwide and Crum & Forster offer comprehensive coverage.
Coverage
Trip Cancellation
Up to 100% Trip Cost Max $100,000
Trip Interruption
Up to 100% Trip Cost Max $100,000
Trip Delay
$600
$200 per day. 6 Hour Min. Delay
Baggage / Personal Effects
$1,000
Baggage Delay (outbound)
$1,000
$200 per day. 12 Hour Min. Delay
Medical Evacuation
$250,000
Accidental Death
$25,000
Emergency Accident & Sickness
$25,000
Emergency Dental Expense
$500
Rental Car Damage
N/A
Sports Equipment Rental
$1,000 12 Hour Min. Delay
Pre-Existing Health Conditions Covered
Yes
If purchased within 14 days of initial trip deposit
Cruise Ship Coverage
No
Includes Traveling Companions
Yes
Group policy covering up to 20 people in your traveling party
Optional CFAR Available
Yes except NY, WA & HI residents
Yes except NY & HI residents
Maximum Trip Length
90 Days
110 Days
Free Look Period
10 Days
15 Days
AM Best Rating
A+ Rated
A Rated
Year Company Established
1926
1822
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.
