Standard & Cancel For Any Reason Coverage

Travel Insurance

Peace of Mind

Let us protect your trip investment by taking the worry out of any unforeseen circumstance that could disrupt your plans. We provide trip cancellation & interruption coverage, protecting up to 100% of your trip costs for reasons like: weather disruptions, job loss, covered illness or injury, death in the family, road closure, airline cancellations or even the death of your family pet, plus much, much more.

World Class Coverage

Protection Brands has partnered with world class, respected underwriters like Nationwide and Berkshire Hathaway to ensure you have coverage you can count on. These programs have been built for today’s traveler with an expansive list of covered reasons and even a cancel for any reason option.

Standard or CFAR Coverage

US residents traveling domestically or internationally can choose from either Standard or Cancel For Any Reason (CFAR) coverage. Standard coverage provides 100% reimbursement for over 30 events that could cause you to cancel or interrupt your travel plans. CFAR includes everything you get with standard coverage PLUS the added flexibility to cancel for a non-covered reason and receive partial reimbursement. CFAR is not available to non-US residents.


Nearly one-quarter of Americans (23%) said their travel plans were impacted by medical conditions, natural disasters, including severe weather, or mechanical or carrier-caused problems, according to a recent survey conducted for the US Travel Insurance Association. The good news for more than one-third (36%) of those whose travel plans were impacted: they had purchased Travel Insurance.

Our Plan Benefits Include:

  • Trip cancellation – Coverage for your non-refundable trip costs, including penalties, fees and other costs you may incur if you have to cancel for one of 30+ covered reasons.
  • Trip interruption – Coverage for insured trip costs, including penalties, fees and other costs you may incur during your trip if you have to interrupt the trip for one of 30+ covered reasons
  • Trip delay – Coverage for unexpected additional expenses such as meals, lodging or local transportation if your trip is delayed by more than six hours for a covered reason.
  • Emergency medical – Coverage for emergency medical expenses you have during your trip due to accidental injury or illness.
  • Emergency medical evacuation – Coverage for necessary emergency medical evacuation due to an accidental injury or sickness during a trip.
  • Baggage / Personal Effects – coverage for lost, stolen or damaged luggage and personal items.
  • Travel assistance services – Coverage for medical or legal referral services, passport visa information, prescription drug/eyeglass replacement services and additional services during your trip.

To determine whether travel insurance is right for you, ask yourself the following questions:

1. How much can you afford to lose if you have to forfeit all or part of your vacation because of illness, natural disasters, and other concerns?

2. What happens if you become ill or injured while traveling? And will your airline, cruise or tour company refund your money if a sudden illness forces you to cancel at the last minute?

With its comprehensive benefits, travel insurance is an investment that offers travelers peace of mind and protection when things go wrong.

When viewing your quote, click on the “View sample of certificate of Insurance.”

The standard plan is available for purchase up to 30 days prior to the start date of your trip. If you are booking travel to start within the next 30 days, you can purchase standard travel insurance as long as it is purchased within 5 days of your reservation (initial payment).

Cancel For Any Reason (CFAR) is only available for purchase within 14 days of your initial payment of your booking and for stays starting more than 30 days out. CFAR is not available for travel starting less than 30 days.

It is recommended that travel protection is purchase right after making the first payment toward any part of your trip so that you are eligible for the most benefits. If you wait to purchase your plan, you run the risk that something will happen (health, accident, death in family, etc) before the policy goes into effect. Once an event happens, you can not insure against it. Also, pre-existing health conditions are included in any policy purchased within 14 days of your booking, thereafter pre-existing health issues are excluded.

No, these policies cannot be purchased once you have already departed on your trip.

The Nationwide Prime Plan will reimburse you up to 60% of your prepaid, forfeited, non-refundable payments or deposits you paid for your trip. All requirements, listed in the plan certificate, must be met in order to be eligible for this benefit.

The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.

Yes, if you are unable to ski due to 50% or more of the trails being closed for 24-hours or more, either for no snow or stormy weather, you will be reimbursed for the value of your ski lift tickets for each day the trails are closed.

Travel Insurance covers unforeseen issues that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your trip within the penalty period where travel suppliers and tour operators keep your non-refundable deposits. It also provides coverage for other problems that you may face during your trip, such as lost, stolen, or damaged baggage, reimbursement of medical expenses and expenses incurred to evacuate you back to your home and more.

These plans do have time sensitive benefits, so we recommend that you purchase the policy right after making your initial trip payment. To receive the most benefits, you must purchase it within 14 days after making your initial trip payment. Time sensitive benefits include the Pre-existing conditions waiver, Financial Default and optional Cancel for Any Reason depending on the plan you are reviewing.

You can purchase Travel Insurance as a safety net to help protect yourself in case unexpected events negatively impact your travel plans. It works quite similarly to other insurance policies in the following ways:

We recommend that you purchase your plan soon after making your initial trip payment to be eligible for the most coverage, but you must purchase travel insurance before anything actually happens to disrupt your trip.

To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully before buying it.

If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts or police reports.

Like most other forms of insurance, Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.

No, you do not have to wait until the flight is booked. The policy should be purchased within 14 days of the initial trip payment in order to get the Pre-existing condition waiver and other time sensitive benefits.

Besides providing coverage for trip cancellation and interruption, these plans include reimbursement due to trip delays, emergency medical expenses, baggage, emergency medical evacuations, accidental death and dismemberment, along with other assistance services and benefits.

Trip cancellation coverage becomes effective at 12:01AM the day after you purchase a policy. See the policy details for more information.

Standard travel protection protects against 30+ different events that may cause you to cancel or interrupt your travel plans for which you could receive 100% reimbursement up to your selected coverage maximum. These events are wide ranging and includes things like illness, weather, accidents, family death, job change, jury duty, travel delays and more. Please reference the policy for specifics.

Cancel For Any Reason (CFAR) coverage adds the flexibility to cancel for a reason not covered by the standard policy. It includes all the benefits of the standard policy (100% reimbursement) PLUS the ability to cancel for a non-covered reason at 60% reimbursement.

Standard travel protection is available for purchase up to 30 days prior to your travel start date. Within 30 days, it is only available if purchased within 5 days of the day that you make your travel plans as indicated by your initial payment date.

Cancel For Any Reason (CFAR) is only available for purchase within 14 days of initial payment for travel. CFAR is not available for purchase for last minute travel as defined by a travel start date within the next 30 days.

The best time to purchase travel protection is at the time of booking. The policy takes effect at midnight of the purchase date and protects against a number of events that could impact your travel plans. While you have up to 30 days before your travel start date to purchase a standard plan, it will not provide protection for any event once the event has taken place. In other words, if a health issue, accident or another event takes place that will impact travel, you can’t expect to have coverage for that event by purchasing travel protection after the fact.

To figure the insurable cost of your trip, add together the cost of all your prepaid non-refundable travel expenses.

Yes, our plans cover your prepaid and non-refundable expenses for travel arrangements that you make on your own.

Yes, if during your trip, a politically motivated Terrorist Attack occurs within a 50 mile radius of the city for which you are registered and the US government issues a travel warning indicating that Americans should not travel to a city named on the itinerary.

Yes. These plans may provide reimbursement of your prepaid non-refundable costs of a villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Trip cancellation or interruption must be due to a peril named in the policy.

On January 23, 2020, the United States State Department issued a travel warning not to travel to China due to the Coronavirus. The World Health Organization declared the Coronavirus a Global Health Warning on January 30, 2020. As a result, the Coronavirus is no longer an unforeseen event for travel to China starting on January 24th, 2020, and for travel worldwide starting on January 31st, 2020.

This means the STANDARD Nationwide travel insurance policy does not provide trip cancellation nor trip interruption coverage as it relates to this known event for policies purchased after those dates. Cancellations of common carriers (airlines, cruise ships, etc) due to the virus would not be a covered event.

The first thing to understand is that a standard travel insurance policy will not protect you from canceling a trip out of fear.  Fear has never been a covered event. This means if you cancel your travel plans out of fear of getting sick, it is not, nor has it ever been a covered event under a travel policy.

Only in the case of contracting the virus or being quarantined for direct exposure could benefits apply for losses arising out of the Coronavirus pandemic with standard travel protection. A physician would need to advise against travel.

For the greatest flexibility, consider Cancel For Any Reason (CFAR) coverage as it will provide protection for Coronavirus by the vary nature that you can cancel for any reason.  CFAR includes all of the coverages that a standard policy includes and will provide 100% reimbursement for a covered event and 60% reimbursement should you cancel for a non-covered event.  CFAR coverage is only available for purchase within 14 days of your travel deposit and cancellation must be 48 hrs or more in advance of the scheduled start date of your travel. CFAR coverage is not available for travel beginning within 30 days. Standard coverage is available for travel beginning less than 30 days if purchase at the time of booking.

Insurance is underwritten by Nationwide® Mutual Insurance Companies and Affiliated Companies, Columbus, OH.