If u cancel for any reason ? Are u sure about that ? The insurances I've looked through are very specific about what they cover.
Quote from RoamRight via SquareMouth:
"What is Cancel For Any Reason?
Provides reimbursement for non-refundable trip payments and deposits if a trip is cancelled for any reason.
What am I covered for?
CANCEL FOR ANY REASON
Be advised that the Company requires You to purchase Cancel for any Reason coverage within 21 days of Your initial Trip deposit. If after 21 days from initial Trip deposit, this coverage is not available.
The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip for all reasons up to 48 hours prior to departure.
The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.
In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits."