Cancel For Your Reason (CFYR) Travel Insurance for Australian Travellers
Go Insurance offers Cancel For Your Reason (CFYR) as an optional upgrade on Go Ultra, our highest level of Australian travel insurance, which you can quote at goinsurance.com.au. If you choose to cancel your trip for a personal reason that standard cancellation cover doesn’t include, CFYR can reimburse up to 75% of your non-refundable trip costs, to a maximum of $50,000 per policy.
CFYR is about your decision to cancel. It doesn’t cover a trip that can’t go ahead because of government action, travel bans, border closures or a travel provider failing.
Four timing rules decide whether CFYR applies
Limits, conditions and exclusions apply. Read the PDS before you buy. The PDS includes our Financial Services Guide.
Cover for reasons that are yours, not just the ones on a list
Standard cancellation cover pays when a listed event stops your trip, such as illness, injury or a death in the family. CFYR sits on top of that. It can pay part of your costs when you decide not to travel for a reason the standard list doesn’t include.
The Go Ultra PDS gives these examples: your relationship with your travelling companion ends and you no longer want to travel together, a close friend is terminally ill, a passport or visa application is delayed, or you simply change your mind.
Up to 75% of what you can’t get back
The most CFYR pays is the lowest of these three amounts:
Example: your trip costs $5,000 and your providers refund $1,000. Your non-refundable loss is $4,000, so CFYR pays 75% of that, which is $3,000. At least 25% of your loss always stays with you.
Worth considering if your plans could change
CFYR adds premium to a Go Ultra policy. It’s most useful when a lot of money is committed early and your plans depend on things that might shift.
How to add CFYR and keep it valid
The timing matters more with CFYR than with any other part of the policy. Follow these steps from the day you pay your first deposit.
Pay your first deposit
The 3-day window starts when you make the first payment for any travel you want covered.
Buy Go Ultra with CFYR
Within 3 days, get a quote, choose Go Ultra and select CFYR. Set your Cancellation amount to the full cost of the trip, not just the deposit.
Keep the cover up to date
Check your Certificate of Insurance shows CFYR. If you book more travel later, contact us within 48 hours to add its value. Extra premium may apply.
Cancel in time
If you decide not to go, cancel and tell your travel providers at least 48 hours before departure, ask for any refunds, then lodge your claim.
When CFYR doesn’t pay
CFYR isn’t cover for war, armed conflict, natural disasters or other outside events. Go Insurance policies include separate, limited war and armed conflict cover for new and unexpected conflict that starts while you’re away.
How CFYR works with standard cancellation
Cancel For Your Reason: frequently asked questions
What Australian travellers most often ask about CFYR with Go Insurance.
What is Cancel For Your Reason travel insurance?
Cancel For Your Reason (CFYR) is an optional upgrade on Go Ultra that can reimburse part of your non-refundable trip costs if you choose to cancel for a personal reason. It covers reasons that standard cancellation cover doesn’t, including simply changing your mind. It pays up to 75% of your non-refundable costs, to a maximum of $50,000 per policy.
How much does CFYR pay if I cancel?
CFYR pays the lowest of 75% of your non-refundable trip costs, 75% of the Cancellation amount you selected, or $50,000. The $50,000 limit applies to everyone named on the Certificate of Insurance together, not to each person.
When do I need to buy CFYR?
You need to buy Go Ultra with CFYR within 3 days of your first trip payment, such as a deposit, and at least 7 days before you depart. Costs you paid more than 3 days before buying the policy aren’t covered by CFYR.
Can I add CFYR to Go Basic, Go Plus or Go Elite?
No. CFYR is only available with Go Ultra, and only when the policy is first issued. It can’t be bought on its own or added after purchase.
Does CFYR cover cancelling because of war, a natural disaster or border closures?
No. CFYR only applies when your trip could go ahead and you decide not to go. It doesn’t cover trips that aren’t possible because of government action, travel bans, border closures or other events outside your control. Some of those events may be covered under standard cancellation, depending on the circumstances. Read the PDS for the full list.
What if I book more travel after I buy CFYR?
Contact us within 48 hours of making the new booking so we can add its value to your policy. Extra premium may apply, and the increase is subject to our agreement. The CFYR limit stays at $50,000 per policy.
Is there an excess on a CFYR claim?
No. The Go Ultra PDS shows no excess for CFYR claims. CFYR already pays a maximum of 75% of your non-refundable costs, so at least 25% of the loss stays with you.
How do I make a CFYR claim?
Cancel your bookings and tell your travel providers at least 48 hours before departure, request any refunds available, then lodge your claim with the booking and refund details. The claims page explains how to lodge a claim and what to include.