Faye Travel Insurance Review: Is It Worth the Cost?
Faye offers a customizable base travel insurance plan with various add-ons for specific needs.
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Contributing Editor Faye travel insurance offers a fairly simple buying experience and unusual coverages that make dealing with travel snafus easier. Its app, where you can buy your coverage and file a claim, also has features such as a currency converter and flight delay alerts.
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What is Faye travel insurance?
Faye travel insurance is a brand name for plans Zenner, Inc. offers and policies are underwritten by United States Fire Insurance Company and Great American Insurance Group.
The company calls itself an all-in-one travel companion, offering travel information as well as travel protection.
Faye launched in early 2022 and is available in all 50 states. It is not available to residents of the following territories: U.S. Virgin Islands, Northern Mariana Islands, Guam, American Samoa and Puerto Rico.
Everything with Faye is fully digital, mostly using a mobile app, but human representatives are also available.
» Learn more: How to pick between travel insurance providers
What does Faye travel insurance offer?
Faye travel insurance has one plan with fairly comprehensive coverage, and you can choose several add-ons to get exactly what you want. But you can’t increase or decrease the coverage limits. The medical coverage is primary and preexisting conditions can be included.
Faye travel insurance plans include coverage for:
- Trip cancellation up to 100% of trip cost.
- Trip interruption up to 150% of trip cost.
- Emergency medical evacuation expense up to $250,000.
- Coverage for preexisting conditions if the plan is purchased within 14 days of making the initial trip deposit.
- Medical evacuation up to $500,000.
- Trip delay of $300 per day and capped at $2,100.
- Missed connection up to $200.
- Trip inconvenience up to $200 per incident up to $600.
» Learn more: How travel insurance for domestic vacations works
🤓 Nerdy Tip
Faye lists a delay at security as a covered reason for travel inconvenience coverage, so if you’re one of those people who like to cut it close at the airport, this coverage could be for you. One unusual feature is the inclusion of $100,000 coverage for nonemergency medical evacuation. That coverage kicks in when you need transportation from where you are to somewhere safe after a covered event like a natural disaster or security evacuation.
There is also coverage for lost or damaged baggage, delayed baggage or lost passport or credit cards.
Add-ons include Cancel For Any Reason (CFAR) coverage as well as several other extras, including coverage for:
- Rental cars.
- Coverage for medical-related expenses if you are injured while participating in extreme sports that are defined in the policy. Policies without the add-on include recreational activities like snorkeling, horseback riding, biking and more.
- Vacation rental damage if you accidentally damage the rental where you’re staying.
- Reimbursement for pet care expenses if you get home later than you thought.
Faye travel insurance also has a mobile app where you can purchase a plan, get help from customer service and submit claims. The app also has a way to access telemedicine appointments 24/7.
Some unique coverages for Faye include:
- Rental property lockout.
- Internet usage fee during travel delays.
- Airline club admission fee during travel delays. You can find available lounges in the Faye app and if a free one isn’t available at your airport, you can get reimbursed if you have to pay for lounge access.
| Coverage type | Coverage details |
|---|---|
| Trip cancellation | Up to 100% of trip cost. |
| Trip interruption | Up to 150% of trip cost. |
| Trip delay | $300 per day (capped at $2,100). |
| Emergency medical | Up to $250,000 (primary). |
| Medical evacuation | Up to $500,000. |
| Nonmedical emergency evacuation | Up to $100,000. |
| Missed connection | Up to $200. |
| Trip inconvenience | $200 per covered incident up to $600 total. |
| Lost or damaged baggage | Up to $2,000. |
| Baggage delay | Up to $300. |
| Lost passport or credit cards | $50 each. |
| Medical repatriation | Included. |
| Repatriation of remains | Included. |
» Learn more: How does travel insurance work?
Faye travel insurance cost and coverage
Cost and coverage determine which travel insurance you buy. Let’s look for a plan for a 35-year-old man from Illinois who is planning a $1,500 weeklong trip in Mexico. Here's how the costs add up:
- The general plan costs $112, without any additional add-ons.
- CFAR coverage is available for this trip for $31, but note, if you want it, you cannot increase the trip cost at a later date, so make sure you estimate your costs correctly.
- You can add rental car coverage for $8 per day per car (total of $56), adventure sports coverage for $54, vacation rental damage coverage for $17 and pet care coverage for $25. A cool thing about the car rental coverage is you can select the number of days you want it, so it does not need to be in place for the entire trip.
- Adding all of the additional coverage options increased the total cost to $295.
» Learn more: Is travel insurance worth it?
What isn’t covered in a Faye travel insurance plan?
As is the case with most travel insurance plans, Faye travel insurance does not cover expenses due to:
- Suicide or attempted suicide or any self-inflicted injury.
- Anything that happens while under the influence of drugs.
- War or acts of war.
- Piloting or learning to pilot a plane.
- Anything that is lost or damaged due to customs.
» Learn more: What to know before buying travel insurance
How to choose a Faye plan online
It’s easy to buy Faye travel insurance online. After putting in general details and getting the quote, select "get covered."
Then you’ll add personal details like your address and payment details.
A virtual assistant is available at any time by selecting “help.”
Connecting to Faye customer service
Customer service from real people is available 24/7. The easiest way to connect with customer service is via the Faye app, with options for iOS and Android.
Phone service is available at 833-240-7056 and from outside the U.S. at 804-482-2122 and the email address is [email protected].
Top cards with travel insurance
Annual fee
$95.
$795.
$895.
$95.
Travel protections (not a comprehensive list)
• Trip delay: Up to $500 per ticket for delays more than 12 hours.
• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Baggage delay: Up to $100 per day for five days.
• Lost luggage: Up to $3,000 per passenger.
• Trip delay: Up to $500 per ticket for delays more than 6 hours.
• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Baggage delay: Up to $100 per day for five days.
• Lost luggage: Up to $3,000 per passenger.
• Trip delay: Up to $500 per trip for delays more than 6 hours.
• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Lost luggage: Up to $3,000 per passenger.
Terms apply.
• Trip delay: Up to $500 per ticket for delays more than 12 hours.
• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Baggage delay: Up to $100 per day for five days.
• Lost luggage: Up to $3,000 per passenger.
Learn more
Insurance Benefit: Trip Delay Insurance
- Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Insurance Benefit: Trip Cancellation and Interruption Insurance
- The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Insurance Benefit: Baggage Insurance Plan
- Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
The Faye travel insurance app
Faye travel insurance touts its app as award-winning and says it can keep travelers protected, informed and inspired.
Before your trip, you can use the app to buy an eSIM, upload travel documents, track flight alerts and more. During your trip, you can access telemedicine services, get lounge access during long flight delays, find pharmacies, convert currency, check the weather, talk to customer service and more.
Filing a claim with Faye travel insurance
Faye says its fast claims process sets it apart from other travel insurance companies. If you file a claim in the app, money can go straight into your wallet on your phone if you want.
Using the app, select your trip, then file a claim. From there, you’ll explain a bit about what happened and upload any supporting documents. Add up the amount you’re claiming and submit.
If you don’t want to file a claim using the app, you can do it via email.
Faye says the company will process claims within 48 hours of receiving all of the necessary information. If they need any additional information, they’ll contact you via chat or email.
If the claim is approved, you can get funds into your phone’s wallet on a Faye Wallet or into a bank account via transfer.
You can check the claim status at any time in the app or by calling customer service.
Is Faye travel insurance worth it?
Faye travel insurance has all of the coverages other companies have, as well as a few additions.
The Faye app is comprehensive with not only policy information but also other trip necessities like a currency converter and travel planning tools.
You can do everything via the app like buy a policy and file a claim. The money from the claim can even go directly into your phone’s wallet.
And you might even be able to wait out a long flight delay in an airport lounge, courtesy of Faye.
To view rates and fees of the American Express Platinum Card®, see this page.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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