Cancellation for Any Reasons (CFAR) for Modern Travellers

1. Life Happens and Not Everything Fits into a Policy Clause
   Perhaps your boss suddenly needs you to stay for an important pitch. Maybe your pet falls ill. Maybe you just no longer feel comfortable travelling. None of these reasons fall under typical policy definitions but under CFAR, all these personal situations become valid.
   
   
2. Peace of Mind During Uncertainty
   Even though borders have reopened and travel is booming, travellers still prefer having a buffer against financial losses. CFAR acts as a safety net that lets you book your dream trip without worrying about “What if?”
   
   
3. Protects Non-Refundable Costs
   Many hotels and airlines offer lower prices for non-refundable bookings. With CFAR, travellers can confidently choose these cheaper rates, knowing they are protected if they decide to cancel for any reasons.

1. Frequent Travellers
   If you travel often and tend to:

• Book early to secure flight or hotel deals
• Lock in non‑refundable tickets months in advance CFAR can help cushion the impact if you need to rearrange or cancel one of your many trips.
  
  

2. Business Travellers
    Business schedules can change overnight:
    ·  Important meetings may be moved
    ·  Projects may be delayed or accelerated
    ·  New responsibilities may arise close to your travel date
    CFAR provides flexibility when work priorities shift unexpectedly.

3. Families With Children
    Parents know how quickly plans can be derailed:
    · Kids fall sick days before departure
    · School or exam schedules change
    · Family matters arise at the last minute
    While some scenarios may be covered under standard cancellation, others may not.
    CFAR helps reduce financial stress when family needs come first.

4. Travellers Seeking Flexibility
    CFAR is ideal if you:
    ·  Prefer to keep your options open
    ·  Are unsure if you’ll still want to travel when the time comes
    ·  Feel more comfortable knowing you’re not “locked into” your trip

Here’s what travellers need to know before relying on CFAR:

✔ Coverage Limits
    ·  Up to RM 5,000
    ·  75% reimbursement of expenses
    ·  Covers flight + accommodation expenses.

✔ Requirements
    ·  Proof of cancellations from the airline or hotel
    ·  Cancellation must be made more than 48 hours before departure.

✔ Conditions to Note
    ·  Expenses paid more than 14 days before policy purchase are not claimable.
    ·  Expenses with refunds or vouchers received will not be eligible.

1. Buy Early, Not Last Minute
    Purchase your travel insurance and CFAR add‑on as soon as you confirm your flights and accommodation.
    Our guide on when to buy travel insurance explains the best timing to purchase your policy and why buying early matters.

2. Keep All Booking and Payment Records
    Save your flight and hotel confirmations, payment receipts, and any change or cancellation emails.
    These documents will be crucial when submitting a claim.

3. Check Your Trip’s Refund Policies
    Review airline and hotel cancellation terms:
    If most of your bookings are flexible or fully refundable, CFAR may be less necessary.
    If your bookings are heavily non‑refundable, CFAR can offer strong value.

4. Review the Policy Wording
    Always read the Product Disclosure Sheet (PDS) and policy wording for full details on:
    · Coverage limits
    · Eligibility criteria
    Exclusions and conditions

CFAR isn’t just a premium add-on, it’s a smart investment for travellers who value freedom, flexibility, and peace of mind. When paired with comprehensive travel insurance like the Tokio Marine Explorer Deluxe Plan, CFAR ensures your travel experience starts stress-free.

The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM (visit www.pidm.gov.my).