Interruption for Any Reason (IFAR) is an optional travel insurance benefit that gives you the flexibility to end your trip early for any reason, even if that reason is not included in the standard list of covered events in your base travel insurance policy. When you use IFAR, you may be eligible for partial reimbursement of your prepaid, unused, non-refundable trip expenses.
The trip insurance with interruption for any reason coverage cost ranges from $203 to $660 for a 15 days duration. The cost is depends on several factors, including the traveler’s age, the length of the trip, and the total trip cost.
For example, the rates shown are for a 50-year-old traveler taking a 15-day trip, with trip cost of $5,000, including the optional trip interruption for any reason coverage.
| Plan name | Optional Interruption for any reason coverage | Cost |
|---|---|---|
| Trip Protection Basic | Covers 75% of non-refundable trip cost if bought within 20 days of deposit. | $203 |
| ITravelinsured Travel Choice | Covers 75% of non-refundable trip cost if bought within 21 days of deposit. | $264 |
| Trip Protection Choice | Covers 75% of non-refundable trip cost if bought within 20 days of deposit. | $288 |
| Safe Travels Voyager | Covers 75% of non-refundable trip cost if bought within 21 days of deposit. | $291 |
| ITravelinsured Travel LX | Covers 75% of non-refundable trip cost if bought within 21 days of deposit. | $660 |
The most important difference is that the Excursion plan does not require the member to have a primary health plan. This affects coverage of pre-existing conditions. There are also some benefit differences that make Excursion an even more affordable option as your single-trip insurance plan. Carefully review the differences below to see which plan will work best for you.
| Feature | Trip Interruption | Interruption for Any Reason (IFAR) |
|---|---|---|
| Coverage for Trip Cancellation | Covers unforeseen events such as illness, injury, or natural disasters that cause the trip to be interrupted | Covers interruption for any reason, including personal choices, like discomfort or safety concerns. |
| Flexibility | Limited to specific covered reasons outlined in the policy (e.g., illness, emergency, etc.). | Provides much broader flexibility, allowing interruption for any reason, even if not listed. |
| Reimbursement for Unused Trip Costs | Reimburses non-refundable trip costs for covered reasons. | Reimburses a portion of unused, prepaid, non-refundable trip costs, regardless of the reason. |
| Transportation Costs | Covers additional costs to return home early for covered events (e.g., emergency travel). | Covers additional transportation costs if you decide to return home early for any reason. |
| Time Limit for Purchase | Must be purchased within a certain time after booking (typically 14–21 days). | Must be purchased within a certain time after booking (typically 14–21 days), like standard trip insurance. |
| Availability | Available with many standard travel insurance policies. | Available as an add-on benefit to select travel insurance plans. |
| Typical Coverage Events | Illness, injury, natural disaster, death of a family member, etc. | Any personal or situational reason that causes you to leave early (e.g., bad weather, conflict, safety concerns). |
| Cost | Generally lower than IFAR, but less flexibility. | Higher cost due to broader coverage options. |
The unexpected can happen at any time. We all get worried about whether we’ll have to cancel our trip, but unfortunate events can happen after we’ve already left, too. With the IFAR add-on, you can interrupt your trip while saving a portion of your investment.
If you’re concerned an unusual event could make you need or want to come home early, Interruption for Any Reason is a great option to consider. With IFAR, you’ll still be protected even if you don’t meet the requirement of a specific trip interruption trigger.
Imagine you're traveling through Europe, and after wrapping up your time in Germany, you learn there's a widespread bed bug outbreak in hotels across Paris, your next destination. Suddenly, the idea of continuing on to France doesn’t sound so appealing, no matter how dreamy the City of Light may be.
Bed bugs are not a covered reason in most trip protection plans, so if you decided to cut your trip short and return home early, those expenses would not be covered by your travel insurance. But if you have IFAR, you could get a portion of those unused insured trip expenses back.
This is just one hypothetical example. It’s important to remember that each plan can vary. Still, other scenarios where Interruption for Any Reason can help include:
You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide, INF insurance, HTH Worldwide and Venbrook International.
