Travel Advisor Question: Do You Recommend CFAR Insurance to Your Clients?

Quick background and a question for the group.

Recently I had several cruise clients who had purchased travel insurance but were unable to go on their trip. They assumed the policy would cover the cancellation, but when the situation didn’t meet the specific covered reasons, the claim was denied.

It reminded me how often travelers think “insurance = I get my money back,” when in reality most standard travel insurance only covers a fairly narrow list of situations (medical issues, death in family, major disruptions, etc.).

That experience got me looking more closely at Cancel For Any Reason (CFAR) coverage as an additional option.

CFAR obviously costs more and usually only reimburses a percentage of the trip, but it seems like it can eliminate a lot of the gray areas that lead to denied claims and unhappy clients.

For those of you actively selling or recommending insurance:

Do you recommend CFAR as a standard upgrade when clients purchase travel insurance?

Or do you only suggest it for higher-value trips or certain types of travelers?

I’m curious how other advisors are approaching this and whether it has helped reduce disputes or claims issues with clients.

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