Most travel insurances will not cover disinclination or fear to travel – and the included group cover on our JOY! Tours will certainly not cover this. The exception with insurance cover is a ‘cancel for any reason’ (CFAR) insurance. This is usually available as an optional upgrade to a standard travel insurance plan and may cost up to 50% more than a standard plan. It usually has to be purchased / activated from 48 hours to one week from the time you pay your initial deposit. CFAR insurance can cover you for 50-75% of your total travel costs. However, CFAR is not yet a common insurance product in South Africa and there is much fine-print involved.