Trip Cancellation Refund Estimator – Find Out How Much You'll Get Back
Estimate your refund or loss if your trip is canceled. Compare covered vs. uncovered scenarios instantly.
How Trip Cancellation Refunds Work
Trip cancellation insurance typically covers cancellations due to illness, injury, death of a family member, severe weather, natural disasters, terrorism, job loss, and jury duty. Coverage varies by policy, so always read the fine print.
Without insurance, you can only claim refunds based on the provider's refund policy. Fully refundable bookings offer the best protection, while non-refundable bookings typically only allow cancellation penalties.
Cancel for Any Reason (CFAR) coverage typically costs 40-50% more than standard policies but allows you to cancel for any reason and receive 50-75% of your trip cost. It's valuable for expensive trips or uncertain situations.
Refund timing varies: airline/hotel refunds typically take 7-14 business days, while insurance claims can take 2-6 weeks depending on documentation and complexity. CFAR claims are usually processed faster than standard claims.
How much can I get back if I cancel my trip?
The amount depends on your refund policy, insurance coverage, and cancellation timing. With CFAR coverage, you can typically get 50-75% of your trip cost back, while standard insurance covers specific reasons up to your policy limit.
Does travel insurance cover COVID-related cancellations?
Most policies now cover COVID-related illness like any other sickness. However, fear of travel or general COVID concerns may only be covered if you have CFAR coverage.
What if the airline cancels instead of me?
If the airline cancels your flight, you're entitled to a full refund regardless of your fare type or insurance status. This is different from voluntary cancellation.
Can I buy CFAR after booking?
CFAR coverage must typically be purchased within 1-3 weeks of your initial trip deposit. It cannot be added later, so consider it early if you think you might need it.
What documentation do I need for insurance claims?
You'll need proof of trip costs, cancellation notices, and documentation of your reason (doctor's note for illness, death certificate for family death, etc.). Keep all receipts and communication records.
Are pre-existing conditions covered?
Standard policies exclude pre-existing conditions unless you purchase a waiver within the required timeframe (usually 14-21 days after initial trip deposit).