Faye Travel Insurance: Quick Overview
Faye Travel Insurance is a new player in the travel insurance market, distinguished by its modern, digital-first mobile app experience and competitive, upfront pricing. While it earns high marks for user-friendliness and fast claims processing in straightforward cases, the company, launched in 2022, faces the challenge of an inconsistent claims resolution process for more complex situations.
Overall, we rated Faye Travel insurance 9.0 out of 10, landing the company a spot on our list of the best travel insurance companies. Read more and learn about Faye, and whether it might be right for you.
Key Strengths
- Genuinely impressive digital-first app experience that actually makes travel insurance feel user-friendly instead of anxiety-inducing
- Fast claims processing when things go smoothly (many are resolved within 48 hours, which is honestly great for insurance)
- Strong emergency medical coverage at $250,000 for international trips, plus some unique add-ons like pet care that you don’t see everywhere
- Add-on options allow you to build a policy that meets your needs. Coverage can be obtained for adventure/extreme vacations, pets, and policies that will enable you to cancel for any reason.
Key Weaknesses
- The claims process can be inconsistent, with some users reporting long claim experiences involving repeated document requests.
- No annual or multi-trip plans, so frequent travelers will need to buy coverage for each trip separately.
- Being new (launched in 2022) means fewer long-term reviews and a smaller track record to evaluate
Who is Faye Best for?
Tech-savvy travelers who want a modern insurance experience, families who need comprehensive coverage with straightforward pricing, and anyone who values 24/7 support through an app rather than dealing with long hold times on the phone.
Faye Travel Insurance
Faye Travel Insurance stands out due to its genuinely impressive, digital-first experience that makes travel insurance user-friendly and non-anxiety-inducing. A significant strength is its financial security, with plans underwritten by U.S. carriers United States Fire Insurance Company and Great American Insurance Group, both holding the gold standard A+ rating from A.M. Best. Furthermore, the base plan offers strong emergency medical coverage, up to $250,000 for international trips, and a high limit of $500,000 for medical evacuation. The company also allows for policy customization with unique add-ons, including pet care coverage and a Cancel For Any Reason (CFAR) option.
The product offers excellent value and affordability. The pricing is genuinely competitive, often on the lower end of the average travel insurance cost, and its quote process is quick and transparent, providing precise numbers upfront with no hidden fees. Instead of confusing customers with multiple tiers, Faye offers a simplified single comprehensive plan that can be tailored with add-ons, making the decision process easier for most travelers. Additionally, families traveling together benefit from better per-person rates, and children under 18 often receive reduced rates.
Faye's mobile-first approach is arguably its greatest differentiator, boasting a high 4.7-star rating on Trustpilot. The app is packed with features that genuinely enhance the travel experience, such as real-time flight tracking with notifications, in-app claims filing, 24/7 live chat support with real humans, and access to a network of telemedicine doctors. The company is also noted for its innovative Digital Wallet system for quick reimbursements, which eliminates long waits for checks, and has received praise for proactive communication with some users, even suggesting they file claims for eligible expenses they may not have considered.
- Outstanding mobile app with features that genuinely enhance the travel experience
- Competitive pricing with clear, upfront costs
- Strong financial backing with A+ rated underwriters
- Fast claims processing for straightforward situations
- Comprehensive base coverage with useful add-ons like pet care
- 24/7 customer support with multiple contact methods
- Simplified single-plan approach makes decisions easier
Faye Travel Insurance Company Overview
Faye launched in early 2022 as an insurtech company aiming to bring travel insurance into the digital age. The company is owned by German conglomerate Zenner, Inc., and operates in the United States as Zenner Insurance Services LLC. What makes Faye different is that it’s built entirely around a mobile-first experience, which feels refreshing compared to traditional insurance companies still operating like it’s 2005.
Faye travel insurance policies are underwritten by United States Fire Insurance Company and, in some states, by Great American Insurance Group. Both underwriters have solid reputations and proper licensing, so you’re not dealing with some sketchy operation.
The company is available to residents in all 50 states, though coverage isn’t available for specific international destinations, including Afghanistan, Cuba, Iran, Iraq, North Korea, Russia, Syria, and Ukraine. They also don’t cover Puerto Rico, Guam, American Samoa, Northern Mariana Islands, or the US Virgin Islands. These locations are subject to change, but their global coverage is generally broad.
Coverage is only available for up to 180 days, or about six months, which means digital nomads planning longer stints abroad will need to look elsewhere.
Faye Financial Strength & Solvency
Here’s where Faye shines. Faye’s plans are underwritten by U.S. insurance carriers United States Fire Insurance Company and Great American Insurance Group, both rated A+ by A.M. Best in 2025. That A+ rating from AM Best is basically the gold standard in insurance financial strength ratings, meaning these companies have excellent claims-paying ability.
The United States Fire Insurance Company has been around for over 200 years, which provides some reassurance that they’ll actually be there when you need to file a claim. The financial backing is solid, and this isn’t one of those situations where you’re buying insurance from a company that might disappear when you actually need it.
Faye Coverage Options
Here’s something interesting: Faye only offers one single-trip travel insurance plan. Instead of making you compare a million different plan tiers, they’ve built a single comprehensive base plan you can customize with add-ons. It’s either genius or limiting, depending on how you look at it.
The base plan includes:
Trip Protection:
- Trip cancellation coverage up to your total trip cost
- Trip interruption coverage up to 150% of your trip cost (a lifesaver if you need to book last-minute flights home)
- Trip delay reimbursement
- Missed connection coverage
- Travel inconvenience benefits
Medical Coverage:
- Emergency treatment is covered up to a maximum of $250,000 for international trips
- $50,000 for domestic US trips
- $500,000 is allotted to cover medical evacuation
- COVID-19-related medical expenses and trip interruption
- Access to a network of 20,000 telemedicine doctors in 21 languages
Baggage & Personal Items:
- Baggage loss or damage coverage
- Baggage delay reimbursement
- Personal effects coverage
Available Add-Ons:
- Cancel For Any Reason (CFAR) coverage: Up to 75% of trip costs (can cancel up to 48 hours before departure)
- Rental car damage protection (up to $50,000, not available in all states)
- Adventure and extreme sports coverage
- Pet care coverage (including vet bills and kennel costs if your return is delayed)
- Vacation rental damage protection
Coverage Limits & Flexibility
The coverage limits are solid for most travelers, though not the absolute highest in the industry. Faye will cover pre-existing conditions that haven’t required treatment, prescriptions, or medical examinations in the 180 days before your trip. There’s also a pre-existing conditions waiver available if you purchase your policy within 14 days of your initial trip deposit and are medically fit to travel when buying the policy.
Common Exclusions: Standard stuff like intentionally self-inflicted injuries, expenses while intoxicated, high-risk professional sports, war and acts of war, and illegal acts. Hurricane coverage is excluded if you purchase after the storm is named. Psychological disorders aren’t covered unless you’re hospitalized.
Faye Affordability & Value
A 24-day trip to the United Kingdom for one traveler from California with $3,000 in trip cost protection would cost $191 total ($7.96 per day). For a family trip, Faye quoted about $690 for a two-week United Kingdom vacation in April for two 35-year-old adults from New York with two children, ages 8 and 10, and a cost of about $3,000 per person or $12,000 total. That’s 5.75% of the trip’s total cost, which is on the lower end of the average travel insurance price.
The pricing is genuinely competitive, especially considering the comprehensive coverage you’re getting. Age is a significant factor in pricing (as with all insurance), and prices increase exponentially with age. Trip cost and destination also significantly impact the final price.
Price Transparency: The quote process is straightforward, and you get pricing in under 60 seconds. The process is refreshing: no games, no hidden fees, just precise numbers upfront.
Discounts: There aren’t traditional discount programs, but families traveling together get better per-person rates, and children under 18 traveling with adults receive reduced rates in many states.
Faye Customer Service Score
Faye offers 24/7 customer support, which is table stakes for travel insurance but still important. You can reach them through multiple channels at any time, which is crucial when you’re dealing with emergencies in different time zones.
Support Channels
- Phone: Available 24/7 (toll-free within US: 833-240-7056, international: +1-804-482-2122)
- Live chat through the app (24/7, with real humans, not just bots)
- Email: [email protected]
- Website chat
- In-app support
Customer Service Quality
This is where things get complicated. The reviews are wildly inconsistent. Many consumers highlight the app for its real-time updates on flight information, gate changes, and even weather forecasts. Consumers express satisfaction with the customer service, describing representatives as helpful and quick to respond.
However, there are also concerning reports. Some users report being bounced between representatives, asked for the same documents multiple times, and experiencing months-long delays in claim resolution. The inconsistency suggests that your experience may depend heavily on which claims adjuster you are assigned to.
Faye Online & Digital Experience
Overall, Faye Travel Insurance has a solid experience across desktop and mobile platforms.
The website is clean, modern, and actually easy to navigate. Getting a quote takes literally 60 seconds, and the purchase process doesn’t make you want to throw your computer out the window. The policy information is written in relatively plain English rather than impenetrable insurance-speak, which is genuinely appreciated.
Mobile App
This is honestly where Faye excels. Faye has a 4.7-star rating out of 5 from satisfied travelers on Trustpilot, based on over 2,400 reviews. The app is available on both iOS and Android and includes features beyond basic insurance management.
App Features:
- Policy management and document access
- Real-time flight tracking with notifications for delays, cancellations, and gate changes
- Claims filing directly in the app
- Chat with customer service
- Access to telemedicine appointments
- Local emergency numbers and nearby urgent care provider locations
- Currency converter
- Weather information
- Digital wallet for quick reimbursements
The app was designed by people who actually travel, rather than insurance executives who’ve never left their hometown.
Digital Tools
Faye’s goal is to process claims within 48 hours of receiving all necessary information. The digital-first approach means you can upload documents through the app, track claim status in real time, and receive reimbursements via the Faye Wallet digital payment system.
Faye Customer Satisfaction & Reputation
The company’s reputation presents a mixed picture, with a stellar 4.8-star rating on Trustpilot based on over 2,000 reviews, but also reports of inconsistent claims resolution and some complaints filed with the Better Business Bureau (BBB).
Better Business Bureau (BBB)
Faye (operating as Zenner Insurance Services LLC) is not BBB accredited. The company has received some complaints through BBB, with common themes including claim denials and confusion about the Cancel For Any Reason coverage terms.
Trustpilot
Faye Travel Insurance has 4.8 out of 5 stars from more than 2,000 reviews on Trustpilot. The rating is legitimately impressive, with the vast majority of reviews being positive. Common praise themes include the ease of use, responsive customer service, and quick claim processing.
Reddit & Social Media Sentiment
Reddit comments regarding Faye’s claims process are mixed. While some users report positive experiences with prompt responses and straightforward claim resolutions, others describe longer wait times and difficulties in navigating the process.
The Reddit discussions paint a more complicated picture than Trustpilot. Some users have had genuinely terrible experiences, particularly with claims that require extensive documentation or fall into coverage gray areas. However, many straightforward claims (flight delays, baggage issues, clear-cut medical expenses) process smoothly.
Industry Awards & Recognition
Faye won a 2022 Magellan Awards Silver from Travel Weekly for Best Online Travel Services Marketing App. The company was also named a TIME Best Invention of 2025, a recognition of its innovative approach to travel insurance.
Faye Claims Process
This is honestly the most frustrating part of reviewing Faye because the experiences are so wildly different. On one hand, Faye aims to process claims within 48 hours of receiving all necessary information, and many users report exactly this experience. Some even report receiving proactive outreach from Faye, prompting them to file a claim for eligible expenses they hadn’t considered.
On the other hand, there are concerning reports of claims taking 2-5 months to process, with users being asked repeatedly for the same documentation. One reviewer noted their claim took over 2 months, and that if you have more than a couple of receipts to be reimbursed, the app is a pain, and the only other option is to attach emails, which seems to slow the process glacially. Getting in touch with actual claims agents (as opposed to general information folks) is also tricky.
Filing a Claim:
- Can be done through the app, website, phone, or email
- Requires documentation like receipts, proof of cancellation, medical certificates, or police reports, depending on claim type
- Faye Wallet lets you receive digital reimbursements immediately, rather than waiting for checks.
The Reality: Your claims experience will likely depend on the complexity of your situation. Simple, well-documented claims with a transparent coverage process can be quickly processed. Complex claims involving multiple expenses, pre-existing conditions, or situations that require interpretation of policy language appear more likely to encounter delays and communication issues.
Faye Unique Features & Differentiators
The App Experience: Genuinely the best travel insurance app I’ve encountered. The real-time flight alerts, local resources, and telemedicine access go beyond what most competitors offer.
Pet Coverage: Coverage for pet medical emergencies and quarantine expenses up to $2,500 is something you don’t see with most travel insurance providers. If you travel with pets or worry about them while you’re gone, this is legitimately valuable.
Single Plan Approach: While some people prefer multiple plan tiers, the simplicity of one comprehensive plan with customizable add-ons makes the decision process easier.
Proactive Communication: Multiple reviews mention Faye proactively reaching out to suggest filing claims for covered expenses, which is unheard of in the insurance industry.
Digital Wallet: The Faye Wallet system for quick reimbursements is innovative, allowing you to access funds immediately rather than waiting weeks for a check.
Faye Pros and Cons
Here are the pros and cons of Faye Travel Insurance:
Pros
- Outstanding mobile app with features that genuinely enhance the travel experience
- Competitive pricing with clear, upfront costs
- Strong financial backing with A+ rated underwriters
- Fast claims processing for straightforward situations (often 48 hours)
- Comprehensive base coverage with useful add-ons like pet care
- 24/7 customer support with multiple contact methods
- Simplified single-plan approach makes decisions easier
Cons
- Wildly inconsistent claims experience, with some users encountering nightmare scenarios
- No annual or multi-trip policies for frequent travelers
- Relatively new company (2022) with a limited long-term track record
- Cancel For Any Reason coverage terms can be confusing (75% reimbursement, not 100%)
- Some users report difficulty reaching actual claims adjusters versus general customer service
- Maximum trip length of 180 days excludes long-term travelers and digital nomads
Our Verdict & Overall Rating for Faye Travel Insurance
Faye is best suited for tech-comfortable travelers taking single trips who value a modern, app-based insurance experience and want solid coverage at competitive prices. The company excels when everything works as intended, with an app that’s genuinely helpful and prices that won’t make you wince. Families, international travelers seeking strong medical coverage, and anyone who appreciates real-time flight updates and 24/7 chat support will likely have a good experience.
However, I’d be cautious if you have complex travel plans, need coverage for more than 6 months, or are a frequent traveler who would benefit from an annual policy. The inconsistent claims experience is concerning enough that you should go into this knowing that, while many people have smooth experiences, there’s a non-zero chance you could end up in documentation hell if your claim falls outside straightforward scenarios.
Who Should Look Elsewhere:
- Frequent travelers who need annual multi-trip coverage
- Digital nomads or expats needing coverage beyond 180 days
- Anyone who strongly prefers traditional phone-based customer service over app-based support
- Travelers to excluded destinations (Russia, Ukraine, Cuba, Iran, Iraq, North Korea, Syria, Afghanistan)
- People who want the absolute highest coverage limits in the industry
Bottom Line
Faye represents a genuinely innovative approach to travel insurance with real strengths in user experience and pricing. The inconsistency in the claims process is the most enormous red flag, but for many travelers taking standard trips, the odds of a positive experience are reasonably good. Make sure you document everything meticulously if you need to file a claim, and be prepared to require patience and persistence if your situation is complicated.
About Our Methodology
We use a weighted scoring system for travel insurance reviews. We compared 20 companies on key factors, including their travel insurance rates, to inform our ratings. Once we scored each company, we applied a curve based on the best overall product. Here’s what we look for:
- Financial Strength & Solvency: 20%
- Affordability & Value: 15%
- Customer Service: 20%
- Online & Digital Experience: 10%
- Customer Satisfaction & Reputation: 20%
- Claims Process: 15%
How Faye Scored
- Financial Strength: 9/10
- Affordability: 8/10
- Customer Service: 7.5/10
- Online Experience: 9/10
- Customer Satisfaction: 7/10
- Claims Process: 6.5/10
You can learn more about how each company scored and what curve was applied here: Travel Insurance Reviews.
