Direct answer
No, standard trip cancellation coverage typically does not cover cancellations based on personal fear of travel or general pandemic concerns; you would need a ‘Cancel For Any Reason’ (CFAR) upgrade to receive reimbursement.
Industry-standard travel insurance policy terms defining covered reasons for trip cancellation. For additional information about the standard provisions and limitations of travel insurance policies, see the National Association of Insurance Commissioners‘ consumer guides.
What this means for you
No, standard trip cancellation coverage typically does not cover cancellations based on personal fear of travel or general pandemic concerns; you would need a ‘Cancel For Any Reason’ (CFAR) upgrade to receive reimbursement.
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