Cancel your trip for your own reasons with CFYR travel insurance
Available with Go Ultra, Cancel For Your Reason (CFYR) is an optional travel insurance upgrade that gives you added flexibility if your plans change for personal reasons not covered under standard cancellation benefits.
At a glance
- Only available with Go Ultra and must be selected when you buy your policy.
- Can reimburse up to 75% of non-refundable trip costs, up to $50,000 per policy.
- Designed for cancellation reasons not covered under standard policy benefits.
What is Cancel For Your Reason?
Sometimes plans change for reasons no policy can predict. CFYR gives you the option to cancel your trip for your own personal reasons, even if those reasons are not covered under the standard cancellation section of your policy.
This gives you more flexibility when making travel plans, while still keeping the protection of your Go Ultra policy.
It must be selected at purchase
CFYR cannot be added after the policy is issued. It must be chosen when buying Go Ultra, and your departure must be at least 7 days away.
How CFYR works
Buy early
You must purchase Go Ultra with CFYR within 3 days of your first trip payment (such as a deposit). Any costs paid more than 3 days before purchase will not be covered. Additional payments and new travel arrangements can still be covered, as long as your total trip cost is within the cancellation amount selected.
Insure the full trip
Select a cancellation amount that reflects your full anticipated trip cost, not just the non-refundable parts. If your cover is lower than your total trip cost, some expenses may not be included in a claim.
Add it at purchase
CFYR must be selected when the policy is first purchased and cannot be added later.
Depart at least 7 days later
CFYR is only available if your trip departs at least 7 days after you buy your policy. It is not available for trips departing in less than 7 days.
Cancel in time
You must cancel at least 48 hours before departure and seek refunds from your travel providers.
Standard cover comes first
Claims are always assessed under standard cancellation benefits first, as that may provide a higher benefit.
What it can pay
If you cancel your trip for a reason not covered under standard policy benefits, CFYR can reimburse up to 75% of your non-refundable trip costs, up to a maximum of $50,000 per policy.
This applies after any refunds you receive from your travel providers have been taken into account.
You cancel your $5,000 holiday and you receive a $1,000 refund from your travel provider.
CFYR pays 75% of the remaining $4,000 = $3,000
Eligibility checklist
- ✓Policy purchased within 3 days of your first trip payment (such as a deposit)
- ✓Any trip costs paid more than 3 days before purchase are not covered under CFYR
- ✓The full cost of your trip is insured
- ✓CFYR is selected when buying your policy
- ✓Your departure is at least 7 days away
- ✓You cancel at least 48 hours before departure and request refunds
Important to know
- CFYR only applies when you choose to cancel your trip and your trip can still go ahead. It does not apply if your trip cannot proceed due to border closures, government action, travel bans, or travel provider failure.
- If your cancellation reason is covered under the standard cancellation benefits, your claim will be assessed there first. You cannot claim under both the standard cancellation benefits and CFYR for the same reason.
- CFYR covers up to 75% of non-refundable trip costs, so you will always have at least 25% out-of-pocket.
- Terms, conditions, limits and exclusions apply. Please read the PDS for full details.
Who this cover may suit
- ✓Travellers who want more flexibility than standard cancellation cover provides
- ✓People booking early who want added reassurance if plans change before departure
- ✓Travellers whose personal circumstances may change, such as a relationship breakdown or changes in family situations
- ✓Travellers supporting elderly or unwell relatives, where plans may need to change at short notice
- ✓Travellers committing to non-refundable bookings who want greater peace of mind
Frequently asked questions
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Is CFYR only available with Go Ultra?
Yes. CFYR can only be selected when purchasing a Go Ultra policy. -
When do I need to buy CFYR?
You must purchase CFYR within 3 days of making your first trip payment, such as a deposit. Any trip costs paid more than 3 days before purchase will not be covered under CFYR. -
Does my trip need to be a certain number of days away?
Yes. Your departure must be at least 7 days away at the time you purchase CFYR. If your trip is within 7 days, CFYR is not available. -
Can I add more bookings after I buy CFYR?
Yes. Additional payments and new travel arrangements can be covered, provided your total trip cost does not exceed the cancellation amount you selected.
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What is Cancel For Your Reason (CFYR)?
CFYR is an optional upgrade available with Go Ultra that can reimburse part of your non-refundable trip costs if you cancel for a personal reason not covered under standard policy benefits. -
How much can CFYR reimburse?
Up to 75% of your non-refundable trip costs, up to a maximum of $50,000 per policy. -
When does CFYR apply?
CFYR applies when your trip can still go ahead, but you choose not to travel for your own personal reasons. -
What happens if my trip cannot proceed?
If your trip cannot proceed due to circumstances beyond your control, CFYR will not respond and a claim may instead be considered under standard cancellation benefits.
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What does CFYR not cover?
CFYR does not cover situations where your trip cannot proceed due to circumstances beyond your control. This includes things like travel bans, border closures, government action, or other events that prevent the trip from going ahead. CFYR also does not cover provider failure, such as an airline not honouring a booking, or situations already covered under standard cancellation benefits.
Why travellers choose CFYR
CFYR can be worth considering if you want more flexibility around cancellation than standard cover alone can offer.
It is designed for travellers who want added reassurance when booking trips in advance, while still understanding the limits, conditions and out-of-pocket costs that apply.
It’s an insurance solution designed with you in mind, reflecting the real life challenges and changes that we all face.
CFYR gives you the power and flexibility when plans deviate, priorities shift or something simply no longer feels right.
- ✓More confidence when committing to non-refundable bookings
- ✓Added reassurance when booking travel well in advance
- ✓Greater flexibility if personal circumstances change
- ✓A clearer fallback if you decide not to proceed with your trip
It’s the flexibility to simply change your mind.