Trip Cancellation vs. CFAR Comparison Tool

Enter your trip details and credit cards to see exactly what each protection option covers — including what Chase Sapphire Reserve and Amex Platinum already provide at no extra cost.

Step 1 — Trip Details
$
all prepaid trip expenses
$
flights, deposits, tours…
affects per-person card limits
Step 2 — Credit Cards You Own

Select any of these cards if you hold them and plan to use them for this trip. Their built-in trip cancellation coverage will be factored into your comparison.

Chase Sapphire Reserve Up to $10,000/person, $20,000/trip — named perils (illness, weather, death, terrorism). Partial card payment required. Covers immediate family even if not traveling with you.
American Express Platinum Card Up to $10,000/trip total (not per person) — named perils only. Must pay entire trip on Amex Platinum. Secondary coverage (pays after other insurance). Covers cardholder and traveling companion.

Don't have either card? Leave both unchecked — the comparison will still show what coverage you'd be buying from scratch.

Step 3 — Primary Cancellation Concern

What's the most likely reason you'd cancel this trip? This determines which coverage type actually protects you.

Illness or medical emergency
Work conflict or job change
Personal reasons / change of plans
Destination safety concerns
Severe weather at destination
I want to cancel for any reason at all
Step 4 — CFAR Premium (Optional)

If you have a CFAR quote, enter it below to see the cost vs. coverage tradeoff. Leave blank to use an estimated range of 7–12% of non-refundable costs.

$
total cost of CFAR upgrade
$
base trip cancellation policy
Your Protection Comparison
Coverage From Your Credit Card
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Standard Trip Cancellation
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Cancel For Any Reason (CFAR) Upgrade
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Side-by-Side Coverage Comparison
Credit Card Only Standard Trip Cancellation CFAR Upgrade
What You Need to Know

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Get quotes from multiple insurers to find the right policy for your trip.

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Coverage details for Chase Sapphire Reserve and American Express Platinum are based on published Guides to Benefits (verified March 2026) and are for informational purposes only. Actual coverage is subject to the terms, conditions, and limitations of your specific card agreement. Always confirm coverage with your card issuer before relying on it. MilePro.com earns affiliate compensation from insurance quote links on this page.