Cancel-for-Any-Reason (CFAR) Insurance: Is It Worth It?

A Critical Analysis for Pakistani & Indonesian Travelers

By Cheap Verifiable Tickets August 6, 2025

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Personal Information (Primary Applicant)

First Name*

Last Name*

Email Address*

Phone Number*

Date of Birth*

Passport Number*

Nationality*

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Travel Details

Destination Country*

Purpose of Travel*

Departure Date*

Return Date*

Insurance Details

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Number of Children

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Order Summary

Dummy Travel Insurance: $5.00

Total: $5.00

The Ultimate Flexibility for Uncertain Times

For travelers from Pakistan and Indonesia, Cancel-for-Any-Reason (CFAR) insurance represents the pinnacle of travel protection. This premium upgrade allows you to cancel your trip for literally any reason and receive 50-75% of your non-refundable costs back. But is this expensive coverage worth it for travelers facing high visa rejection rates and pandemic uncertainties?

When CFAR Makes Sense

Booking expensive non-refundable trips (over $5,000).
Complex visa situations with a high risk of rejection.
Traveling during uncertain times (e.g., potential health crises).
Needing absolute peace of mind to cancel for personal reasons.

When to Skip CFAR

Your trip costs are low or mostly refundable.
The CFAR premium is excessively high (over 15% of trip cost).
You are booking last-minute (outside the 10-21 day purchase window).

Visa Rejection: The #1 Concern for Pakistani & Indonesian Travelers

Standard travel insurance almost never covers cancellation due to a visa rejection. With Schengen visa rejection rates for Pakistan at 45.2% and UK visa rejections for Indonesia at 28.7% in 2024, this is a major financial risk. CFAR is often the only insurance product that provides a safety net against losing thousands of dollars in pre-paid flights and hotels if your visa is denied.

Real-World Scenarios

Pakistani Family's Schengen Trip

A family planned a €8,500 trip. The primary applicant's visa was unexpectedly denied. With a CFAR policy, they recouped 75% (€6,375) of their non-refundable costs, saving them from a huge financial loss.

Indonesian Student's US Program

A student paid $4,200 in non-refundable program fees. Due to a last-minute personal family issue not covered by standard insurance, they had to cancel. Their CFAR policy allowed them to recover 70% ($2,940).

CFAR vs. Standard Insurance Comparison

Coverage Scenario	Standard Policy	CFAR Upgrade
Visa Rejection	Not Covered	Covered
Fear of Travel (e.g., new pandemic)	Not Covered	Covered
Work Commitment Change	Not Covered	Covered
Covered Medical Emergency	Covered	Covered
Premium Cost Increase	Base Price	Adds 40-60% to Base Price

Get a CFAR Policy for Your Peace of Mind

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Critical Purchase Requirements

To qualify for CFAR coverage, you must adhere to strict rules:

Purchase Early: You must buy the policy within 10-21 days of making your first trip payment (e.g., booking a flight or tour).
Insure Everything: You must insure 100% of your pre-paid, non-refundable trip costs.
Cancel in Time: You typically must cancel your trip at least 48 hours before your scheduled departure.