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Faye Travel Insurance is a new travel insurance provider, underwritten by United States Fire Insurance Company. It was built during the COVID-19 pandemic and launched in early 2022.
Claims processing is quick, and you can do this on Faye’s mobile app. The company offers fully customized plans to ensure you're not paying for features you don't need. What’s more, its 24-hour customer support means you can speak to real people (not robots!) throughout your travels.
Faye is a modern take on travel insurance. It’s a fully digital experience that allows you to purchase policies, file claims, and receive payouts through an app. The entire process is fast and secure, and you can receive reimbursement directly to your Faye Wallet, a secure digital debit card that you can add to Apple Wallet or Google Wallet, to then simply tap and pay.
Faye's tech-based approach makes it suitable for people who want something different from lengthy paperwork-based traditional insurance. It’s also ideal for frequent travelers who value convenience and want a plan that fits their exact needs. With Faye, you start with a base plan that you can customize with additional bundles, including rental car care, extreme sports protection, vacation rental damage protection, and “cancel for any reason” coverage.
Unlike other travel insurance providers, Faye doesn’t offer tiered plans. Instead, there is one base plan with the option to add additional riders such as pets, extreme sports, and medical coverage. The base package includes the following:
| Base plan | ||
|---|---|---|
|
| Maximum payout limit |
Medical cover | Medical evacuation and repatriation of remains benefit | Up to $500,000 |
Return transportation | Included | |
Transportation of child/children | Included | |
Transportation to join you | Included | |
Political or security evacuation and optional natural disaster evacuation | Up to $100,000 (international trips only) | |
Accident and sickness medical expense | Up to $250,000 for international trips ($50,000 for domestic) | |
Dental expense sublimit | Up to $750 | |
Cancellation and interruption | Trip cancellation | 100% of trip cost |
Trip interruption | 150% of trip cost | |
Trip delay | $300 per day, to a maximum of $4,500 | |
Travel inconvenience* | Baggage delay | $200 |
Delay at security check-in | $200 | |
Flight delay | $200 | |
Flight cancellation | $200 | |
Flight diversion | $200 | |
Rental property lockout | $200 | |
Hotel late arrival | $200 | |
Travel delay: internet usage fee | $50 | |
Travel delay: airline club admission fee | $25 | |
Baggage and personal effects** (Up to $2,000 per person per trip) | Baggage delay | $300 |
Passport, visa, or other travel documents replacement | $50 | |
Credit card charges and interest | $50 | |
Per article limit | $150 | |
Combined articles limit | $200 | |
*Travel inconvenience: up to a maximum of $600
**Baggage and personal effects: up to a maximum of $750
For an additional cost, you can include “cancel for any reason’” coverage. You can also pay extra for adventure and extreme sports protection within your medical cover. Faye offers additional bundles for rental car protection and pet expenses, the details of which are below.
| Rental car bundle | |
|---|---|
Optional rental car damage and theft coverage | Up to $50,000 |
Optional travel inconvenience:
| $200 per inconvenience, up to a maximum of $600 |
| Pet parent bundle | |
|---|---|
Optional pet or service animal return | Up to $250 |
Optional pet kennel | Up to $250 |
Optional pet or service animal travel medical expense | Up to $2,500 |
Optional quarantine kenneling expense | Up to $2,500 |
The cost of your policy depends on your trip details and the state in which you live. Most international destinations cost a similar amount, and the duration of your trip does not usually impact the base plan cost. However, it will likely increase your estimated trip cost—which will increase the price.
I inquired about insurance for a two-week vacation in Italy for a Colorado resident. My trip insurance cost $114.50 for the base plan, based on an estimated trip cost of $1,000. The trip cost is the maximum amount Faye will reimburse me if my trip is canceled. For a trip costing $4,000, the base plan cost is $211.82. These figures are accurate as of March 2023.
I also had the option to include extras on top of my base plan. “Cancel for any reason” coverage costs an additional $20.35, and adventure and extreme sports protection costs $37.86. If I wanted to protect a rental car against accidental damage and theft, this would add $7.58 per day. Vacation rental cover comes to $17.04, and pet care adds another $25.36. The total policy cost for the same trip is now $338.81.
You can purchase Faye’s travel insurance directly through its website or mobile app. The process is designed to be as quick and straightforward as possible, with one comprehensive base plan and the option to purchase additional insurance bundles.
If you need to submit a claim, you can do it via the Faye mobile app or by email. You can use your app to keep track of the claim status and to see if it has been approved. If you qualify for a quick reimbursement, Faye will send money to your Faye Wallet, which you can access immediately. The app also allows you to transfer that money directly to your bank account. Faye aims to process all claims within 48 hours.
Faye also offers real-time travel updates and 24/7 customer service via the app. You can be notified of flight delays, gate changes, and other helpful information like which baggage carousel to go to when you arrive. Its customer service team is available to offer guidance and help with time-sensitive tasks, like finding an emergency doctor.
To get started, select the "Check Pricing" button on Faye’s website. You’ll need to provide details about your destination, your home address, the number of people traveling, and each traveler's name and date of birth.
You’re then taken to a policy details page which will outline what’s covered and options for additional protection, such as rental car cover and pet care. Once you’ve tailored your cover to your requirements, select the “Get Covered” button.
You can now pay via Google Pay or enter your card details to purchase your policy. After you’ve paid, Faye will send you an email containing the policy information.
You can also follow the same steps on Faye’s mobile app. Via the app you can also pay with Apple Pay. I found the process straightforward and quick, both online and via the app. The steps are easy to follow, and the information provided on the policy details page is clear and transparent.
Faye doesn't charge any administrative, arrangement, or amendment fees on its insurance products. If you cancel your travel insurance before starting your trip, you can receive a full refund up to 14 days after buying the coverage, as long as you haven’t already made a claim and as long as your trip hasn't started yet. Faye’s terms are set out in its Terms of Use document, available to read before you commit to purchasing.
Yes! Faye is a tech-driven app-based service and doesn’t just include an app as an afterthought like many insurance companies. The app is available for both Android and iOS, and you can use it to complete the whole process from initial pricing inquiry to making a claim.
Some of the most highly-praised features of the app include its 24/7 customer support chat. You’ll also get real-time travel alerts direct to your phone, for example, if your flight is delayed. What’s more, the app includes the Faye Wallet, a secure digital debit card that ensures fast reimbursement on claims and common travel inconveniences, like flight delays. It works with Apple or Google Pay, or you can transfer the funds to your bank account by tapping "Redeem" in the wallet.
Despite being a newcomer in the travel insurance industry, Faye has gained a good reputation among its customers and has an excellent score of 4.7 on Trustpilot. Multiple customer reviews praise its reliable customer service, user-friendly mobile app, and prompt notifications of flight delays and reimbursements.
Faye is a member of the United States Travel Insurance Association (USTIA), and its travel insurance coverages are underwritten by the United States Fire Insurance Company.
Faye prides itself on its excellent customer service. Its website and mobile app have a chat feature, and you’ll be able to talk to a real human rather than a robot. I used the chat function to ask Faye a question and got a friendly and informative response from one of its support team within a few minutes.
You can also contact Faye via phone on 833-240-7056 or email them at support@withfaye.com. The chat function, email queries, and phone lines are all staffed 24 hours a day, seven days a week. Phone calls are answered within five minutes and emails are responded to within 24 hours.
Faye’s website has a FAQs section and a blog, and you can also sign up for its newsletter and receive announcements, updates, and travel inspiration in your inbox.
Faye is a new player in the travel insurance market, aiming to revolutionize the industry, and my experience with the company has been very positive. Its friendly and helpful 24/7 customer service is available through the website and mobile app and ensured I was able to get my questions answered when I needed them.
The app also comes with features like real-time travel alerts and digital payment cards, which sets it apart from its competitors. The base plan and extra bundles cost less than many other insurers, making Faye a great choice for budget-conscious travelers.
Is Faye Travel Insurance legit?
Yes, Faye is a legitimate travel insurance company. It provides cover for medical expenses, trip cancellation and interruption, and other travel-related losses in accordance with its policy terms.
Is there a money-back guarantee?
Faye does not offer any money-back guarantees. However, it does offer a 100% refund if you cancel your policy within 14 days of purchase and have not made a claim.
What is the Faye Wallet?
The Faye Wallet is a digital payment card in the Faye app that allows quick reimbursement when making a claim. It works with Apple or Google Pay, or you can transfer the funds to your regular bank account by tapping “Redeem” in the wallet.
