We Filed a $687 Claim in Vietnam.
Faye Paid in 7 Days.
My dad ended up in a Hoi An hospital overnight. No paperwork, no translation, no chasing. Just $687 back in the account a week later. Here's my full review as a travel advisor who recommends Faye to clients worldwide.
I may earn a commission on purchases. Won't cost you a cent extra.
Faye is a legitimate, fully app-based travel insurance provider. I have filed a claim, been reimbursed in full, and recommended it to clients traveling to Vietnam, Thailand, Japan, Europe, and beyond. It's the best travel insurance for international trips under 60 days because of its fast claims process and genuine customer support.
The one limitation: for long-term travel of 6+ months, SafetyWing's monthly billing makes more financial sense.
Is Faye Travel Insurance Legit?
The fastest way to answer this is with what actually happened when we needed it.
That's as legit as it gets — the thing you paid for worked when you actually needed it.
How Much Does Faye Travel Insurance Cost?
| Trip Cost | Estimated Faye Price | Typical Scenario |
|---|---|---|
| $2,000 | $80–$160 | Weekend international trip |
| $3,000 | $120–$240 | 1–2 week international trip |
| $5,000 | $200–$400 | 2–3 weeks or family travel |
| $8,000 | $320–$640 | Long-haul — Japan or Europe |
| $12,000 | $480–$960 | Multi-destination family trip |
These are estimates. Your exact price depends on age, destination, and coverage level. A quote takes 90 seconds at withfaye.com.
Is it worth it? That $687 Hoi An hospital bill would have been out of pocket without Faye. A medical evacuation from Southeast Asia can run $50,000–$100,000. At 4–8% of trip cost, Faye is one of the highest-ROI purchases you can make before an international trip.
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What Does Faye Travel Insurance Cover?
Core Coverage
- Emergency medical expenses — hospital stays, doctor visits, medication, emergency treatment abroad
- Medical evacuation — emergency transport to the nearest adequate facility or back home. Can cost $50k–$100k without insurance.
- Trip cancellation — reimbursement if you have to cancel before departure for a covered reason
- Trip interruption — reimbursement if your trip is cut short for a covered reason
- Baggage loss and delay — compensation if bags are lost, stolen, or delayed
- Travel delay — accommodation and meals if your trip is delayed beyond a threshold
What Faye Doesn't Cover
- Trips longer than 60 days — use SafetyWing for long-term travel
- Pre-existing conditions if you didn't buy within 14 days of first trip payment
- Extreme sports without the appropriate add-on
- Incidents related to alcohol or drug use
- Connectivity issues — eSIM problems aren't insurable (use Holafly with code STEPHANDPETE for data abroad)
As a travel advisor, the medical evacuation coverage is what I emphasize most with clients. Faye's evacuation benefit alone justifies the cost of the policy on any international trip.
When Faye Makes Sense
✓ Get Faye if you're:
- Taking an international trip under 60 days
- Traveling with family — odds go up that someone needs something
- Spending more than $2,000 on the trip
- Going somewhere your regular health insurance doesn't cover
- Traveling with anyone who takes medication
- Done with paper claims and hold music
Skip Faye if:
- Traveling 6+ months continuously — SafetyWing is cheaper monthly
- Ultra-budget trip under $1,000 where you'd self-insure anyway
- Domestic US trip with existing health coverage
Faye vs SafetyWing vs Allianz
| Feature | Faye | SafetyWing | Allianz |
|---|---|---|---|
| Best for | Trips under 60 days, families | Long-term (6+ months) | Basic, convenience purchase |
| Claims process | App-based — days to pay | Online, moderate speed | Paper-heavy, slower |
| Medical coverage | Strong — paid in 7 days | Good for the price | Adequate |
| Billing model | Per trip | Monthly subscription | Per trip |
| Customer support | Real humans via chat | Good | Variable |
Faye vs SafetyWing
Mostly a trip-length decision. Under 60 days? Faye. Over 6 months? SafetyWing's monthly billing is significantly cheaper and more flexible. For 2–5 month trips, run quotes on both.
Compare SafetyWing →Faye vs Allianz
Allianz is the default insurance at airline and hotel checkouts. It's adequate, but the claims process is significantly slower and more paperwork-intensive. If you're making an intentional decision, Faye is meaningfully better for roughly the same price.
How to Get the Most Out of Faye
- Buy within 14 days of first trip payment — maximises coverage including pre-existing conditions and cancel-for-any-reason
- Photograph everything at the hospital — every receipt, discharge paper, wristband — even in languages you can't read
- Keep your credit card statement — proof of payment when receipts are unclear
- File the morning after an incident — while everything is fresh and documents are in hand
- Don't translate foreign documents — Faye accepted Vietnamese paperwork without a single question
- Keep originals until reimbursement arrives, just in case
Faye Travel Insurance FAQ
How much does Faye travel insurance cost?
Roughly 4–8% of your total trip cost. On a $3,000 trip expect $120–$240. On a $5,000 trip expect $200–$400. Exact price depends on your age, destination, trip length, and coverage level. A quote takes 90 seconds at withfaye.com — no email required.
Is Faye travel insurance legit?
Yes. Faye is a legitimate, licensed travel insurance provider. We filed a $687 medical claim in Vietnam and were reimbursed in full within 7 days. The app-based claims process works exactly as advertised.
What does Faye travel insurance cover?
Faye covers emergency medical expenses, medical evacuation, trip cancellation, trip interruption, baggage loss and delay, and travel delay. The medical and evacuation coverage are the most valuable features for international travel. Our $687 overnight hospital stay in Vietnam was covered in full.
How fast does Faye pay claims?
Our $687 Vietnam claim was reimbursed in 7 days. That's typical for straightforward medical claims with proper documentation. More complex claims like medical evacuations take longer, but Faye is consistently faster than traditional insurers.
Is Faye better than Allianz?
For most international trips, yes. Faye has a fully app-based claims process, faster reimbursements, and better customer support. Allianz is adequate at airline checkout, but the claims process is slower and more paperwork-heavy.
Faye vs SafetyWing — which should I choose?
Faye for trips under 60 days. SafetyWing for long-term travel of 6+ months where monthly billing makes more financial sense. For a standard international vacation, Faye is the right call.
Does Faye cover pre-existing conditions?
Faye may cover pre-existing conditions if you purchase within 14 days of your first trip payment and meet other policy requirements. Read your specific policy details — coverage varies by plan.
When should I buy Faye travel insurance?
Within 14 days of making your first trip payment. This maximises coverage including pre-existing conditions and gives you the most protection if you need to cancel before departure.
Is there a Faye promo code or discount?
Faye doesn't offer public promo codes. Pricing is based on your trip details. The best way to manage cost is choosing the right coverage level — don't over-insure on a short domestic-adjacent trip.
Does travel insurance cover eSIM or connectivity issues?
No — connectivity isn't an insurable risk. For reliable data abroad I use Holafly eSIM (code STEPHANDPETE for 5% off) alongside travel insurance. They solve different problems.
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Based on personal experience as a travel advisor — not personalized insurance advice. Always review policy details for your specific situation. I may earn a commission on purchases through links on this page at no extra cost to you.