Cancel For Any Reason (CFAR) is an optional benefit that can be added to a travel insurance policy, extending its coverage beyond the standard cancellation reasons (such as illness, injury, or death in the family) listed in the policy. Typically, a policy will only reimburse 100% of non-refundable costs for cancellations made for reasons explicitly covered. However, if a traveler needs to cancel their trip for a reason not covered by the standard cancellation benefit, without CFAR, they would not be eligible for reimbursement. With CFAR, travelers have the flexibility to cancel their trip for any reason not specifically covered in the policy and receive a partial refund, typically 75% of the non-refundable costs paid. This benefit provides additional peace of mind, offering broader protection against the unexpected.

We've got you covered. While the student group plan cannot be changed, we can provide additional coverage through a supplemental individual plan. As a travel insurance agency, we offer many customizable individual plans through multiple A-rated insurers. If a parent or student prefers higher levels of coverage for specific benefits (which happens quite often), we will find the best individual policy to supplement the student policy.

The entire claims process can be completed online at https://goreadyinsurance.com/file-a-claim. Alternatively, you can opt to fill out paper forms and submit them via email (by scanning) or traditional mail. The process entails thoroughly reviewing the necessary documentation, gathering these documents, and then submitting them to the claims department. For online submissions, the average processing time is 7-10 business days from when all required documents are received until a decision is made. Submissions via email or mail may require additional processing time.

Coverage for pre-existing conditions is available under specific conditions:

• a) Payment for the coverage must be made on or before the final payment for the covered trip, and
• b) The insured must not be disabled from travel at the time the premium is paid. Meeting these requirements ensures that pre-existing conditions are covered under the policy.