Faye Travel Insurance Review

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May 29, 2024

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The last thing you want when planning a relaxing vacation is to worry about unexpected trip interruptions. Speaking from experience as someone who got COVID-19 on a trip to Savannah, GA, between medical expenses and other inconveniences, it can be a nightmare.

That nightmare gets exponentially worse if you’re an American on international trips, where travel inconveniences such as an emergency evacuation or medical evacuation can strand you in a country without adequate medical coverage or a way to deal with other non-refundable trip costs.

One solution is to gain peace of mind by investing in travel insurance coverage. Travel insurance companies offer a wide range of travel protection, from protection in the event of trip cancellation to reimbursements for rental car care, baggage delay, or a medical emergency (such as an injury participating in extreme sports).

A popular travel insurance company is Faye Travel Insurance, which specializes in providing travelers with customizable travel insurance policies. Keep reading our Faye Travel Insurance review to decide whether it is a good choice for your next vacation.

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What is Faye Travel Insurance?

Faye Travel Insurance offers customizable travel protection for domestic and international travel. According to TrustPilot, they have an excellent rating of 4.7/5 and provide insurance for cruises as well as domestic or international trips. Faye’s travel plans are offered by a company and its subsidiaries called Zenner Inc. (Faye is the brand name). The United States Fire Insurance Company underwrites their policies.

How does Faye Travel Insurance work?

Getting started with Faye Travel Insurance begins with navigating to Faye’s website. From there, you can choose domestic, international, or cruise coverage.

When you click on the purple “Get Covered” button, you can fill in more information about your trip. You’ll want to provide information about where you’re going. Then, you’ll add other trip details, such as travel dates.

Once you’ve provided preliminary information about your trip, you’ll be asked to provide information about your traveling party. This includes information like your travelers’ names and birthdays, as well as email addresses.

Once you’ve answered those questions, you’ll also need to provide information about your state. Some states have different coverage or pricing.

From there, you’ll have access to a personalized quote. It includes the total cost to protect your trip and what that insurance cover includes—from health-related expenses to trip cancellation policies and lost luggage. It also provides add-on information and fees, including additional services like rental car care, adventure and extreme sports protection, vacation rental damage protection, and pet care.

How much does Faye Travel Insurance cost?

Faye’s travel insurance costs will depend, in part, on whether or not you select certain add-ons, the overall details of your trip, and how many travelers you are insuring. That said, their website advertises the following travel insurance cost figures:

Domestic coverages start at $4.64 a day for 14 days ($64.96)
International coverages start at $5.16 a day for 14 days ($72.24)
Cruise coverage starting at $4.64 a day for 14 days ($64.96)

For example, on a trip I planned to Scottland, UK, add-ons such as rental car care averaged $7.58 a day, with adventure and extreme sports protection costing about $70 for the total trip.

Keep in mind that these are just starting costs, and as you provide more detail, you may wind up paying more for travel protection. Even so, with such a low starting cost, it’s not hard to see how a little extra money could pay off when it comes to peace of mind.

Faye Travel Insurance features

Strong broad coverage included

While Faye Travel Insurance boasts its personalization as a major perk, it’s worth noting that their standardized coverage is nothing to sneeze it either. A basic Faye Travel Insurance plan features trip cancellation coverage, trip interruption coverage (up to 150% of your vacation’s cost), trip delay, and baggage delay coverage. If your luggage gets lost, you’re covered for up to $2,000, and you also have coverage for $250,000 for any emergency medical expenses.

Faye app

If you’re on the go and need to file a claim in real-time due to a trip delay or look up whether an incident you’ve faced falls under Faye’s covered reasons, you’ll be pleased to know that Faye offers a mobile app. The app is available on the Google Play or iOS stores for Android and Apple devices. It also syncs with Apple Wallet if you use it for other items, such as airline tickets.

Great add-ons available

Do you need more than what Faye offers standard as part of your travel insurance? If you do, Faye has you covered with the following add-ons to meet you and your travel needs:

Rental car coverage for collision damage
Vacation rental damage protection of up to $3,000
The ability to cancel for any reason (with 75% of your nonrefundable trip costs covered up to 48 hours before you depart)
Extreme sports and adventure protection
Pet care coverage for either kennelling or veterinary expenses if your trip is delayed and you arrive home late

While not every traveler needs these types of coverage from trip to trip, it’s good to know that Faye does provide this kind of insurance, should you need it.

Who is Faye Travel Insurance best for?

Do you like the peace of mind from a Cancel for Any Reason (CFAR) plan? Do you want to customize your travel insurance rather than relying on only what your credit card company covers? If so, Faye Travel Insurance is an excellent investment. Particularly when you consider how well-priced the company’s offerings are, it’s a good value to layer into your next big trip.

Who shouldn’t use Faye Travel Insurance?

While there’s a lot to like about Faye Travel Insurance, you won't be eligible for its coverage if you don’t live in the United States. Additionally, there are some conditions and situations where you’re not covered with Faye. These exclusions include things like acts of war, intentionally self-inflicted injuries, or pre-existing conditions like psychological disorders (unless you are hospitalized). If looking at the list of exclusions makes you concerned about coverage, Faye may not be the best option.

Pros and cons

Pros

User friendly. Faye Travel Insurance is super easy to get started with. Whether you’re using the website online or opt for the mobile app, getting a quote on your insurance cost and understanding the claims process is quite straightforward thanks to a clean user interface.
Great value for standard coverage. Faye packs a lot into its initial coverage before you even add in additional coverage for things like rental cares. This gives it strong value when considering its lower cost.
Customizable for those who need it. If you’re planning on renting a car, engaging in adventure activities, or have a pet who you’re boarding, you can add additional coverage that helps you address these specific scenarios beyond Faye’s standard insurance policy.

Cons

Some exclusions. Faye is certainly full of valuable coverage, but there are some exclusions to their policies. From acts of war to purchases incurred while you were under the influence, just because you have travel insurance doesn’t mean it will necessarily apply exactly to your situation.
Lost luggage coverage capped at $2,000. $2,000 is certainly a high amount of coverage for lost luggage; however, if you’re travelling internationally for a wedding or other trip that requires clothing that costs more than $150 an item, Faye’s coverage won’t be as useful.
Have to pay for base coverage. While the customization Faye offers is helpful, there are certainly some aspects of Faye’s basic plan that may not apply to you and your travel. As such, you’ll wind up paying for base coverage that you may not need, rather than being able to mix and match coverage based on what you do and don’t need.

FAQs

Is Faye Travel Insurance reputable?

Yes. Faye Travel Insurance’s policies are underwritten by United States Fire Insurance Company which has an A.M. Best rating of A+.

Is Faye Travel Insurance available in all 50 states?

Yes. Faye Travel Insurance is available in all of the 50 United States, although some coverage options and costs may vary from state to state.

How does Faye Travel Insurance pay you?

In order to be reimbursed by Faye Travel Insurance, you need to file a claim with them and provide appropriate documentation. As such, any in-trip expenses will require payment on your end in order to front these costs. Sometimes, using travel credit cards is a useful way to cover these costs, since you know you’ll be able to pay them off when you’re reimbursed.

The bottom line

If you have a major trip coming up, travel insurance is definitely something worth considering. Whether you have medical conditions that may cause you to miss the trip or are just planning things tentatively and have made an initial trip deposit that you’d like to be able to cancel for any reason, there are a variety of scenarios where trip insurance is a good choice.

When it comes to trip insurance options on the market, Faye Travel Insurance is a reputable company that offers value and customization. While that customization is added to an initial policy that may not fully apply to you, the coverage is still generally affordable. Considering that Faye offers domestic, international, and cruise trips, the broad array of standard coverage is a major benefit of using a company like Faye.

Ultimately, whether or not you choose to get travel insurance is up to you. While some people view it as necessary for their peace of mind, others may find that they’d rather take their chances or stick with more limited travel protections offered by their travel credit card. If you are leaning towards getting coverage for your upcoming trip, Faye is worth considering.

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Brent Ervin-Eickhoff is a Chicago-based writer, stage director, and filmmaker with a background in digital marketing and content creation. In addition to Joy Wallet, Brent has written for Complex, Volkswagen, HowlRound, Picture this Post, and Third Coast Review, among others. He currently serves as the Associate Director of Marketing for Content Creation at Court Theatre at the University of Chicago. Brent graduated from Ball State University with Academic Honors in Writing.

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