Posted on: February 26, 2026
Table of Contents
For many Malaysians, travelling overseas is almost a ritual, whether it’s for a short getaway to Bangkok, a family trip to Tokyo, or a long‑awaited European adventure. But as exciting as travel may be, trip cancellations can be financially painful, especially if your flights and accommodations are non‑refundable.
With the All-New Tokio Marine Explorer travel insurance policy, you have two key protections for trip cancellations:
- Standard Travel Cancellation (Benefit 8.1)
- Cancellation for Any Reason (CFAR) (Benefit 8.1.1) — only available under the Deluxe Plan
Understanding the difference between these two can help you save some of your money if your trip doesn’t go as planned.
What Standard Travel Cancellation Covers
Standard Travel Cancellation under Tokio Marine Explorer reimburses your non‑refundable travel costs only for specific listed events, such as:
- Your death or the death of an immediate family member (within 30 days before departure)
- Your hospitalisation or serious medical condition (within 60 days before departure)
- Strike or natural disasters occur in the trip destination (within 14 days before departure)
- Strike, riot or severe weather causing your carrier to cancel the trip
- Your home becoming uninhabitable due to fire, flood, storm or other similar natural disaster (within 14 days before departure)
If your cancellation reason does not fall within these events, you cannot claim under Standard Travel Cancellation.
What Cancellation for Any Reason (CFAR) Covers
Cancellation for Any Reason (CFAR) takes flexibility to another level. Under the Deluxe Plan, you can claim:
- 75% of eligible flight + accommodation costs
- Up to RM5,000 per policy
- For any reason not listed under standard cancellation benefits
This means the traveller can cancel due to:
- Work commitments
- Family obligations
- Safety concerns
- Change of personal circumstances
- No longer feeling comfortable to travel
These are not eligible for Standard Travel Cancellation benefits, but CFAR can help you recover part of your costs.
Uneasy about your upcoming flights due to recent events in the Middle East?
CFAR Conditions to Note
- To qualify for a CFAR claim under the Deluxe Plan, you must:
- Cancel more than 48 hours before departure
- Ensure the eligible travel expenses were not paid more than 14 days before buying the policy
- Provide proof of cancellation from the airline or hotel
A Realistic Scenario: “The Last‑Minute Work Crisis"
Scenario:
Anna, a marketing manager in Kuala Lumpur, books a 6‑day holiday to Osaka with non‑refundable airline tickets and a prepaid hotel package. The total cost is RM4,800.
She buys our All-New Tokio Marine Explorer travel insurance.
One week before her trip, her company announces an urgent product launch. Anna is required to stay back and lead the campaign.
If Anna only bought Standard Travel Cancellation:
Work obligations are not a covered cancellation event under Standard Travel Cancellation.
→ Anna gets RM0 back. She loses the entire RM4,800.
If Anna bought CFAR (Deluxe Plan):
This reason is covered, since CFAR reimburses other cancellation reasons that do not falls under policy exclusions
→ She receives 75% reimbursement up to RM5,000.
→ Payout: RM3,600
CFAR turns a total loss into partial recovery of a significant amount.
Key Differences at a Glance
| Feature | Standard Travel Cancellation | Cancellation for Any Reason (CFAR) |
|---|---|---|
| Cancellation reasons | Specific events listed in the policy (death, illness, disaster, etc.) | Any reasons that do not fall under policy exclusions |
| Eligible expenses | All prepaid travel expenses | Flight and accommodation expenses |
| Reimbursement | 100% up to the respective plan limits | 75%, up to RM5,000 |
| Flexibility | Standard | Flexible |
| Plan availability | All International plans | International – Deluxe Plan only |
| Requirements | Must provide proof of listed event (official medical report, receipt, etc.) | Must cancel >48 hours before departure + written notice + payment timing rules |
Why You Should Consider Adding CFAR
With rising travel costs and more people booking non‑refundable rates to save money, CFAR can offer a peace of mind, especially for Malaysians with busy or unpredictable schedules.
CFAR is especially useful for:
✔ Working professionals with busy schedules
✔ Families with children or elderly parents
✔ Those who booked a non‑refundable hotel stay or flights
Choosing the Right Cancellation Cover for Your Next Trip
CFAR doesn’t replace Standard Travel Cancellation but it complements it.
Standard coverage protects against major unexpected events. CFAR protects against everything else life throws at you.
Tokio Marine Explorer offers comprehensive travel insurance so you can focus on creating unforgettable memories. For a truly worry-free journey, always keep your policy details and emergency contact information readily accessible.
Tokio Marine Explorer
For more information
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).
You may also be interested in reading
How to Choose Between Comprehensive Third Party Plans
Drivers often deal with flash floods, traffic jams, and regular updates to vehicle-related rules, such as insurance requirements and road tax. Choosing the right car insurance whether you’re looking for the legally required minimum or full comprehensive coverage can make a significant difference when an accident or unexpected events occur.
8 Essential Items for Your Car Emergency Kit
A guide to essential items for your car emergency kit, their uses, and practical tips for handling accidents or breakdowns.
Drive with Confidence: Choosing the Right Car Insurance with Tokio Marine
Choose the right car insurance for your needs with Tokio Marine. Explore the benefits of Standard Comprehensive Insurance and AutoPro Car Insurance, including coverage for accidental damage, theft, third-party liability, and more.
Travel Insurance: CFAR vs Standard Travel Cancellation
For many Malaysians, travelling overseas is almost a ritual, whether it’s for a short getaway to Bangkok, a family trip to Tokyo, or a long awaited European adventure. But as exciting as travel may be, trip cancellations can be financially painful, especially if your flights and accommodations are non refundable.
Disclaimer
By clicking on “Continue to external site” below, you will leave Tokio Marine Insurance Group’s website and you will be redirected to a third party website.
Choose your country or region
Visit HQ Pages
Visit Country Pages
Select your location and language
-
All
-
All
-
Asia Pacific
-
Australia
-
Americas
-
Europe
Singapore
Malaysia
Australia
You are currently on a site outside of your country Switch to external site?
Visit your local page. If you change your mind, you can use the dropdown at the top navigation to visit other Tokio Marine country pages.
You are currently on a site outside of your country. Switch to local site?
Visit your local page. If you change your mind, you can use the dropdown at the top navigation to visit other Tokio Marine country pages.
