How to insure your trip against passport delays

Standard travel insurance rarely covers passport delays, so you must purchase a 'Cancel for Any Reason' (CFAR) add-on. Without this specific upgrade, a delayed passport is considered a foreseeable event by insurers and will not trigger a claim.

1. Check your existing policy. Review your travel insurance documents to see if 'Passport/Visa Delay' is listed as a 'Covered Reason.' Most policies explicitly exclude government-mandated processing delays.
2. Select a CFAR policy. Look for comprehensive travel insurance providers that offer a 'Cancel for Any Reason' upgrade. You usually have to purchase this within 14–21 days of making your initial trip deposit.
3. Understand the coverage limits. CFAR policies typically only reimburse 50% to 75% of your non-refundable trip costs. Factor this into your risk assessment before relying on it as a total safety net.
4. Document the timeline. If your passport is delayed, keep a record of your application date, payment confirmation, and any correspondence with the passport agency. If you have to cancel, you will need proof of the delay for the insurance adjuster.

Can I buy insurance after I find out my passport is delayed?

No. Once a delay is known or 'reasonably foreseeable,' it is no longer covered. You must purchase insurance immediately after booking your first flight or hotel.

Does standard trip cancellation cover a missed flight due to no passport?

No. Standard cancellation coverage only applies to 'unforeseen' events like illness, injury, or death. A missing passport is considered a documentation error.