We gave Faye travel insurance an overall score of 4.4 out of 5 stars and rated it the best travel insurance provider for an entirely online experience. Faye’s online application is simple, allowing you to get a quote in as little as 60 seconds, and the company’s free app makes filing a claim just as easy. While Faye’s pricing is a bit higher than other insurance providers, its all-in-one app and around-the-clock support might be worth it for some travelers.

In addition to a mobile offering and 24/7 customer support, Faye also includes extra benefits like $2,000 coverage for sporting equipment and $50 towards replacement passports. This coverage, plus Faye’s generous baggage coverage, could be valuable for those who travel with items that would be difficult or expensive to replace. Faye might be a less valuable choice for travelers who are more likely to require medical coverage, as its evacuation and medical bill reimbursement limits are lower than competitors.

Faye travel insurance is a relatively new insurance provider, opening its doors in 2022. However, the company has quickly set itself apart with its app-based offerings. Those who prefer a more streamlined, digital policy experience may prefer the Faye app, which offers benefits like:

• Real-time travel alerts
• Customer support from real humans
• A fully digital claims process

While the Faye app is available as a free download for both Android and iOS devices, it is not required to buy insurance or file a claim. You can utilize Faye’s website to check policy pricing or email the company to file a claim. The app also features the Faye Wallet option, which allows you to get paid directly after filing a claim.

Faye offers a single insurance policy, which includes the following standard benefits:

• 100% of trip cancellation costs
• 150% of trip costs for emergency interruptions
• Up to $250,000 in coverage for emergency medical expenses, including COVID-19
• Up to $500,000 in emergency medical evacuation coverage
• Up to $100,000 in non-medical emergency evacuation coverage
• $300 per day reimbursement for flight delays, up to $4,500
• Up to $200 for covered in-trip inconveniences, capped at $600
• $150 reimbursement per item for lost or damaged baggage, up to $2,000
• $200 reimbursement for baggage delays that last at least six hours
• Up to $2,000 in coverage for lost or damaged professional or sporting equipment
• $50 for lost passports and credit cards

Faye travel insurance covers pre-existing medical conditions as long as you purchase a policy within 14 days of making your initial trip deposit. You also must be medically able to travel when you purchase coverage.

When compared to other travel insurance providers, Faye’s coverage is average in terms of baggage and delays. Faye also falls a bit short with its medical evacuation coverage. For example, competitors like Nationwide and Travel Insured International offer up to $1 million in evacuation coverage at similar price points. This might make Faye a less appealing choice if you’re planning international travel to a rural area with limited access to medical care.

Optional Riders

Even the best travel insurance coverage will not cover every situation and cancellation. Riders are add-ons that extend your coverage to include more unique circumstances. Faye travel insurance currently allows you to customize your travel insurance policy with the following extra coverages:

• Cancel for any reason (CFAR) coverage: All travel insurance companies specify a list of covered reasons that qualify you for reimbursement if you must cancel your travel plans. Some common covered reasons include the death of a family member, legal obligations or natural disasters. Adding CFAR coverage to your Faye travel insurance policy offers more flexibility in regard to cancellations. With CFAR coverage, you will be reimbursed for up to 75% of non-refundable trip costs when you cancel your trip for any reason — even those not included in your policy. To qualify, you must initiate the cancellation at least 48 hours before your departure.

• Rental car care: This add-on reimburses you for up to $50,000 in rental car damage or theft-related expenses if you’re involved in an accident abroad or if the vehicle is stolen.
• Adventure and extreme sports protection: Like most competing travel insurance provider options, Faye’s coverage for medical expenses excludes bills resulting from extreme sports. If you plan to parasail, scuba dive or engage in any other extreme outdoor activities, you can extend medical evacuation and expense reimbursement coverage with this rider.
• Vacation rental damage protection: This rider reimburses you for up to $3,000 in repair or replacement costs if you damage the rental property you’re staying in.
• Pet care: If your trip is interrupted or canceled while you’re abroad, you could end up with unanticipated pet care expenses. This add-on reimburses you for up to $2,500 in veterinary expenses and $250 for kenneling if you arrive back home later than expected.

Add-on pricing is proportional to the value of your trip and may vary based on the amount of time you’re traveling and your destination.

Policies Offered

Based on our research, we found that Faye offered a single insurance policy for both domestic and international trips. To help you get an idea of Faye’s travel coverage, we requested a quote for a seven-day trip from the state of Washington to Cancun, Mexico. The table below summarizes the coverages included in Faye’s standard policy based on quotes we obtained in October 2023.

Faye’s policies also include up to $2,000 reimbursement for lost or damaged sporting and professional equipment, and $50 to compensate for lost passports or credit cards. These unique inclusions can make Faye worth the price if you’re traveling with specialized equipment and want to add extra peace of mind.

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Some of the factors that affect the price of travel insurance include:

• Your age
• Your travel destination and home state
• The total value of your trip
• The dates you’re traveling
• When you made your first trip deposit

Based on our Faye travel insurance review, Faye is not the most competitively priced provider. After comparing a few sample trips between providers, we found that Faye’s prices were about 31% higher than competing insurers offering comparable coverage. However, it’s important to remember that travel insurance premiums are highly customizable and personalized — we still recommend getting a quote from Faye before choosing your insurance plan.

Cost of International Travel Insurance

To help you get an idea of what you might expect to pay for travel insurance with Faye and other top travel insurance providers, we requested quotes for a series of international trips. The below chart compares pricing for top travel insurance plans for a seven-day trip to Mexico in November valued at $1,000.

*Quotes were collected from each provider’s website in October 2023 for a 29-year-old traveler from Washington.

The table below summarizes what you might pay for a 14-day trip to Tokyo, Japan in December valued at a total of $5,000.

*Quotes were collected from each provider’s website in October 2023 for a 29-year-old traveler from Washington.

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If you’re traveling internationally for the first time, it can be reassuring to know your travel insurance provider offers around-the-clock assistance in your native language. Faye offers 24/7 customer support through its Apple and Android apps and over the phone. If you don’t need urgent assistance, you can direct any questions about your policy to its customer support team via email at [email protected].

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Reading third-party reviews of previous customer experiences can help you anticipate the type of service you’ll receive from a travel insurance provider. Overall, Faye maintains higher-than-average customer reviews, with about 84% of Trustpilot users rating the company 4.5 out of 5 stars. However, Faye is not currently accredited nor rated by the Better Business Bureau (BBB).

Many customer reviews note that Faye was helpful and efficient when issues occurred while traveling. Multiple customers report it was easy to get in touch with a Faye representative when they needed it most, and that claims were paid out quickly. However, some customers expressed frustration regarding difficulties finding a medical provider using Faye’s app in some countries. Some customers also reported issues regarding policy “fine print” or a lack of communication with representatives.

“…I had an allergic reaction in Thailand, and Faye saved the day and reimbursed me for my hospital bill. [The representative] was there for all the steps after. I’m so grateful! “ —Elena via Trustpilot

“We purchased Faye for a month-long trip to Argentina, where my partner suddenly experienced a serious medical situation which resulted in him getting hospitalized in Buenos Aires for almost a week. We ended up having to interrupt our trip because of this, going home two weeks earlier than planned. Faye’s customer support was super responsive through the app, giving us assistance and guidance every step of the way.” —Liran S. via Trustpilot

“During my recent trip to Turkey, I was offered medical help via Air Doctor but it did not work. The app struggled to find a local doctor for telemedicine. Disappointing.” —Vivekandand B. via Trustpilot

“Bought insurance for a seven-day trip with a hurricane in the forecast. Once I filed a claim, [Faye] told me [the hurricane] was foreseeable since it had already been named and I could not cancel the insurance because I had made a claim. Do not waste your money on this.” —Paula s. Via Trustpilot

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Filing a claim with Faye starts with the company’s mobile app. Here is an overview of the general process:

• Access the Faye app: Begin by opening the Faye mobile application on your device.
• Navigate to “Get Help”: Within the app, locate the “Get Help” tab, and then click on the “Claim Questions” tab.
• File a new claim: In the “Claim Questions” section, select the option to “File a new claim.”
• Specify your claim reason: You will be prompted to give a reason for filing a claim. Choose the appropriate category, whether it’s related to your health or other claims such as rental car coverage.
• Provide trip details and explanation: Enter essential information about your trip, including dates and destinations. Additionally, explain the circumstances that led to your claim.
• Upload supporting documents: To substantiate your claim, upload relevant supporting documents. These may include flight tickets, hotel reservations or any other travel-related receipts.
• Submit your claim: Once you’ve filled in the required details and attached the necessary documents, you can submit your claim through the app.
• Alternative method: If you don’t have the Faye app, you can still file a claim by sending an email to [email protected]. Make sure to include the same information you would provide through the app so Faye can assist you effectively.

Faye aims to process all claims within 48 hours of submission. You can check for live updates through the Faye app — another benefit of choosing Faye as your travel insurance provider.

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Overall, Faye can be a strong travel insurance choice for those traveling with valuable items or looking for a digital policy experience. With special coverage for lost sports equipment and up to $4,500 in baggage reimbursements, Faye offers generous coverage limits for your belongings. But this coverage comes at a cost that is higher than some other leading providers. Faye may not be the best choice if you are traveling on a budget and seeking cheap coverage options.

We recommend requesting quotes from at least three travel insurance providers before deciding on a policy.

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Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

Tori Addison is an editor with over five years of experience in the digital marketing industry. Her includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.