As a result of the coronavirus outbreak, travelers have become more interested in travel insurance than ever. But with COVID-19, regular travel insurance won’t help you, because most policies don’t cover changes or cancellations due to fear of an epidemic (though some will reimburse you if you have to cancel because you have been diagnosed with COVID-19 or are quarantined). The only way to be protected in the event that you choose to cancel a trip due to concerns about COVID-19 is to purchase additional “Cancel For Any Reason” (CFAR) coverage. As the name implies, CFAR allows you to cancel your trip without requiring that you justify your reasoning. It may give you the peace of mind you need to book a trip—but there are caveats. Here are the main points travelers need to know about buying and using CFAR insurance.