Faye Travel Insurance Plans 2026: First vs Forward vs Flagship — Which Do You Need?
Faye Travel Insurance Plans 2026: First vs Forward vs Flagship — Which Do You Need?
Faye First is the entry-level plan — good for budget-conscious travellers who want trip cancellation and basic medical coverage. Faye Forward is the sweet spot for most international travellers — primary medical coverage up to $250K, $500K evacuation, and higher limits across the board. Faye Flagship is the premium tier — $1M medical evacuation, $250/day trip delay, and $1K/person missed connection coverage.
For most international trips, Faye Forward is the right call. Get a quote in 90 seconds at the link below.
Faye First, Forward & Flagship: The Three Plans at a Glance
As of July 13, 2026, Faye has restructured their travel insurance into three clearly differentiated tiers. Here's the top-line summary before we get into the detail.
First
Entry levelHolistic coverage that covers the essentials and keeps trips on track. Good for shorter, lower-cost trips where you want the basics covered.
- Trip cancellation: 100% of costs
- Emergency medical: up to $50K (excess)
- Medical evacuation: up to $250K
- Trip delay: up to $2.5K ($250/day)
- Lost luggage: up to $2K ($150/item)
Forward
⭐ Best for most travellersHigher limits and broader protection. Primary medical coverage — not excess — is the key upgrade that makes this the right plan for most international trips.
- Trip cancellation: 100% of costs
- Trip interruption: 150% of costs
- Emergency medical: up to $250K (primary)
- Medical evacuation: up to $500K
- Trip delay: up to $3.5K ($250/day)
- Lost luggage: up to $2K ($200/item)
- Bedside companion: up to $1K
Flagship
PremiumPremium whole-trip coverage with the highest limits. For high-value trips, adventure travel, and anyone who wants maximum protection.
- Trip cancellation: 100% of costs
- Trip interruption: 150% of costs
- Emergency medical: up to $250K (primary)
- Medical evacuation: up to $1M
- Trip delay: up to $4.5K ($300/day)
- Lost luggage: up to $2K ($250/item)
- Missed connection: up to $1K/person
Full Coverage Comparison: First vs Forward vs Flagship
| Coverage | Faye First | Faye Forward | Faye Flagship |
|---|---|---|---|
| TRIP | |||
| Trip cancellation | 100% of non-refundable costs | 100% of non-refundable costs | 100% of non-refundable costs |
| Trip interruption | 100% of non-refundable costs | 150% of non-refundable costs | 150% of non-refundable costs |
| Trip delay | Up to $2.5K ($250/day, 6hr min) | Up to $3.5K ($250/day, 6hr min) | Up to $4.5K ($300/day, 6hr min) |
| Missed connection | Up to $500 | Up to $500 | Up to $1K/person |
| Travel inconvenience | $200/inconvenience (cap $600) | $200/inconvenience (cap $600) | $250/inconvenience (cap $1K) |
| HEALTH | |||
| Emergency medical | Up to $50K (excess) | Up to $250K (primary) | Up to $250K (primary) |
| Medical evacuation | Up to $250K | Up to $500K | Up to $1M |
| Bedside companion | × Not included | Up to $1K | Up to $1K |
| Pre-existing conditions | Available (add-on) | Available (add-on) | Available (add-on) |
| STUFF | |||
| Lost/stolen/damaged luggage | Up to $2K ($150/item) | Up to $2K ($200/item) | Up to $2K ($250/item) |
| Delayed baggage | Up to $300 (12hr min) | Up to $300 (12hr min) | Up to $300 (12hr min) |
Which Faye Plan Do You Need?
Choose Faye First if:
Your trip is relatively short and low-cost, you have existing primary health insurance that covers international medical, or you're primarily looking for trip cancellation protection and basic coverage at the lowest price point. Note that First's emergency medical is excess — meaning it only pays after your existing insurance pays first, up to $50K.
Choose Faye Forward if: (recommended for most)
You're taking an international trip and want proper primary medical coverage — Forward's $250K emergency medical pays first, without requiring you to submit to your home insurance first. The jump from First to Forward is the most meaningful upgrade in the lineup: primary vs excess medical, $500K vs $250K evacuation, 150% vs 100% trip interruption, and bedside companion coverage. For most international travellers, this is the plan that actually covers what needs covering.
Choose Faye Flagship if:
You're taking a high-value trip (expensive flights, luxury hotels, non-refundable tours), travelling to remote or adventure destinations where medical evacuation could cost over $500K, or you simply want the highest available limits and aren't prepared to think about coverage gaps. The $1M evacuation limit is the headline differentiator — meaningful for anyone going to Southeast Asia, Africa, or South America where air evacuation to a major medical centre is genuinely expensive.
Why Primary Medical Coverage Matters
The biggest practical difference between Faye First and the other two plans is how medical claims work. First uses excess coverage — it only pays after your existing home insurance pays. Forward and Flagship use primary coverage — Faye pays first, directly, without you having to navigate your home insurer in a foreign country.
When you're in a Vietnamese hospital at 11pm with paperwork in a language you don't read, the last thing you want to do is coordinate between two insurance companies across different time zones. Primary coverage means one claim, one app, one process. That's the practical reason Forward is the right call for most international trips — and it's exactly the experience we had when we filed our $687 Vietnam hospital claim and had it paid in 7 days through Faye's app.
A serious illness requiring ICU care in the US (if you're transiting), Japan, or Western Europe can easily exceed $50K. A medical evacuation from remote Southeast Asia or East Africa regularly costs $100K–$250K. First's limits are fine for minor incidents; for anything serious, Forward or Flagship is meaningfully better protection.
Our Real Faye Claim Experience
We've filed a real claim with Faye — $687 for an overnight hospital admission in Hoi An, Vietnam. Documents entirely in Vietnamese. Filed via the Faye app the next morning, uploaded every receipt and discharge paper without translating a single one, and had $687 back in our account 7 days later with no follow-up.
That experience is the reason Faye is our default recommendation for travel insurance on international trips. The app works. The claims process is low-friction. And when you're dealing with a hospital in a foreign country, that matters more than any coverage comparison table.
Get your Faye quote — 90 seconds →FAQs
What are the new Faye travel insurance plans in 2026?
Faye launched three new travel protection plans on July 13, 2026: Faye First (entry level), Faye Forward (mid-tier, recommended for most international travellers), and Faye Flagship (premium). All three include trip cancellation, emergency medical, and luggage coverage. The key differences are medical coverage limits (excess vs primary), evacuation limits, and trip interruption percentages.
What is the difference between Faye First, Forward, and Flagship?
The main differences are emergency medical coverage type and limits, and medical evacuation limits. First covers up to $50K emergency medical as excess coverage. Forward and Flagship both cover up to $250K as primary coverage. Medical evacuation is $250K on First, $500K on Forward, and $1M on Flagship. Trip interruption also increases from 100% on First to 150% on Forward and Flagship.
Which Faye plan is best for international travel?
Faye Forward is the best plan for most international travellers. The jump from First to Forward is significant: primary vs excess emergency medical coverage, $250K vs $50K medical limit, $500K vs $250K evacuation, 150% vs 100% trip interruption, and bedside companion coverage included. For high-value trips or adventure destinations, Faye Flagship adds $1M evacuation and higher delay limits.
What does primary vs excess medical coverage mean in Faye plans?
Primary coverage (Faye Forward and Flagship) means Faye pays your medical bills first, directly, without requiring you to submit to your home insurance company first. Excess coverage (Faye First) means Faye only pays after your existing insurance has paid — you need to coordinate between two insurers. For international travel where your home insurer may not cover you abroad, primary coverage is significantly more practical.
Does Faye cover pre-existing medical conditions?
Pre-existing medical condition coverage is available as an add-on on all three Faye plans — First, Forward, and Flagship. Check the policy details and purchase within the required time window of your first trip payment to be eligible.
Is Faye travel insurance worth it?
Yes, for international trips. We filed a $687 hospital claim in Vietnam — documents in Vietnamese — and were reimbursed in full in 7 days via the Faye app with no follow-up required. The app-based claims process is genuinely faster and lower friction than traditional insurers. Get a quote in 90 seconds at withfaye.com — no email required.
How does Faye compare to Allianz with the new plans?
Faye Forward and Flagship are meaningfully better than Allianz for most international trips — primary medical coverage, faster app-based claims, and better support. See our full Faye vs Allianz comparison for the detailed breakdown.