Faye Travel Insurance Review 2026: Is It Legit and Worth It?
I'm a Fora Travel advisor. I've recommended Faye to clients for years. Then I filed a real $687 claim in Vietnam. Here's my honest verdict.
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I've recommended Faye to clients for years. What changed is that I now have a real claim to point to. My dad was hospitalized overnight in Hoi An, Vietnam. The bill was $687. I filed via the app the next morning with documents entirely in Vietnamese, and Faye reimbursed in full in 7 days with zero follow-up.
That's not a testimonial. That's what happened. The app works, the claims process works, and the support is real. For international travel, Faye is my recommendation.
What Faye does well
- App-based claims: photograph, upload, done
- Fast reimbursement: $687 paid in 7 days
- Primary emergency medical, up to $250K abroad
- Accepts foreign-language documents
- Real human support via chat
- Competitive pricing (same as Allianz)
- Medical evacuation coverage included
Limitations to know
- No annual plan: one policy per trip
- Trips up to 180 days only (use SafetyWing beyond that)
- Pre-existing conditions need purchase within 14 days of your first trip deposit
- Extreme sports require an add-on
- Only sold at withfaye.com (not at airline checkout)
Is Faye Travel Insurance Legit?
| Underwriters | United States Fire Insurance Co. and Great American Insurance Group (both A+ AM Best) |
|---|---|
| Emergency medical | Primary, up to $250,000 on international trips |
| Maximum trip length | 180 days |
| Annual plans | No, single-trip policies only |
| Pre-existing conditions | Covered for cancellation and interruption if you buy within 14 days of your first trip deposit |
| Typical cost | About 4–8% of trip cost |
| Trustpilot | About 4.7 / 5 from roughly 4,000 reviews |
| BBB | Not BBB accredited |
Is Faye primary or secondary?
Faye's emergency medical coverage is primary. That means Faye pays first. You don't have to file with your own health insurance, wait for a denial, and then go to Faye. On our Vietnam claim, I went straight to the Faye app and that was it.
What about Faye's BBB rating?
Faye isn't BBB accredited, which comes up a lot in searches. Most travel insurers, newer ones especially, aren't. For an insurer, the better trust signals are who underwrites the policy (A+ carriers here) and how claims actually get paid. Trustpilot and my own claim both point the same way on that.
Who Should Buy Faye
Buy Faye if:
- Taking an international trip of up to 6 months
- Traveling with family, because one person always needs something
- Trip costs more than $2,000
- Going where your regular health insurance doesn't apply
- You want claims via app, not paperwork and hold music
- You want real human support when something goes wrong
Consider alternatives if:
- Traveling open-ended or longer than 6 months (SafetyWing's monthly model is better)
- You want one annual policy for lots of trips (Faye is per trip)
- Buying last-minute at airline checkout (Allianz is right there)
- Very short domestic trip with low trip cost
- You need extreme sports coverage as the primary focus
For open-ended travel, SafetyWing's monthly subscription makes more financial sense. See our Faye vs SafetyWing comparison for the full breakdown. For standard international trips, Faye wins on every dimension that matters at claim time.
Faye for Solo Travelers vs Family Trips
Solo travelers
Faye works well solo because the entire claims process runs through the app, so you're not relying on a travel companion to help track paperwork or wait on hold with you. Emergency medical and evacuation coverage carry more weight when you're traveling alone, since there's no one else to lean on if something goes wrong.
Family vacations
Faye covers each traveler on the policy individually, which matters for families because it's rarely the same person who needs care. Our own claim happened while traveling together as a family. The per-traveler coverage and app-based filing made an already stressful moment easier to manage.
Faye Travel Insurance Reviews: What My Clients and Other Travelers Say
The most common thing clients say after filing a claim: they were expecting it to be harder. A delayed flight, a doctor's visit abroad, a bag that didn't make the connection. The pattern is the same. Upload the documents, wait a few days, and the money appears. No lengthy back-and-forth and no translation demands.
Where I've seen clients run into limits: one client waited too long after their first payment to get pre-existing condition coverage included. That's in the fine print, and it's why I go over the 14-day timing rule with everyone I book Faye for.
Faye Reviews on Trustpilot, Reddit, and Elsewhere
Beyond my own clients, here's how Faye is rated on the platforms people check before buying:
The pattern holds across independent sources: claims speed and the app are what people praise most. The occasional negative review usually involves a more complex claim that needed extra documentation, rather than a flat denial. That lines up with our own $687 claim and with what my clients report back after theirs.
The $687 Claim: What Actually Happened
My dad crushed a Hoi An food tour. Incredible food, roughly three weeks' worth of sodium in one afternoon. That night, a bloody nose that wouldn't quit. After more than an hour we went to the hospital.
Elevated blood pressure. They wanted to keep him overnight for observation and gave me a bed in the same room. The care was excellent: proper monitoring, medication, breakfast in the morning. We paid the bill before discharge.
$687 USD. Overnight admission, blood pressure monitoring, medications, two beds, morning meal. Paid by credit card at checkout.
The next morning, I opened the Faye app. I photographed every receipt, the discharge papers, and our credit card statement, all in Vietnamese. I didn't translate a single document. Uploaded and moved on with our trip.
$687 back in our account 7 days later. No follow-up emails. No translation requests. No questions about the Vietnamese paperwork. Just the money back.
That's the test that actually matters. When you're dealing with a foreign hospital, unfamiliar paperwork, and a family member who's unwell, the insurance either works or it doesn't. Faye worked.
I can't say that from personal experience about any other travel insurer. That's the honest answer.
How Much Does Faye Travel Insurance Cost?
Faye is priced at about 4–8% of your total trip cost, similar to Allianz and most traditional travel insurers. You're not paying a premium for the better experience. Here's what that looks like in real numbers:
Why is Faye so cheap?
It isn't, really. It costs about the same as the big names. What feels different is the value: Faye sells directly through its website and app with no agent commissions, and it runs claims digitally instead of through call centers. Those savings go into a better claims experience rather than a higher price.
Is it worth it? Our $687 Vietnam bill would have been entirely out of pocket without Faye. A medical evacuation from Southeast Asia runs $50,000–$100,000 without coverage. At about 4–8% of your trip cost, it's one of the better-value purchases you can make on an international trip.
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What Faye Covers (And What It Doesn't)
What's included
- Primary emergency medical expenses: hospital, doctors, medication (up to $250K abroad)
- Medical evacuation, which can cost $50k–$100k without coverage
- Trip cancellation if you have to cancel before departure
- Trip interruption if your trip is cut short
- Baggage loss and delay
- Travel delay: accommodation and meals if you're stranded
- 24/7 support via app chat with real humans
What's not covered
- Trips over 180 days (use SafetyWing for long-term travel)
- Multiple trips on one annual policy
- Pre-existing conditions if you didn't buy within 14 days of your first trip deposit
- Extreme sports without the add-on
- Mobile data abroad. For that I use Holafly eSIM with code STEPHANDPETE
The medical evacuation coverage is what I emphasize most with clients. That benefit alone justifies the cost on any serious international trip.
How to Get the Most Out of Faye
A few things I learned filing that $687 claim:
- Buy within 14 days of your first trip deposit to maximize coverage, including pre-existing conditions
- Photograph everything at the hospital: every receipt, discharge paper, wristband, even in foreign languages
- Keep your credit card statement as proof of payment when receipts are unclear
- File the next morning while details are fresh. Don't wait until you're home
- Don't bother translating foreign documents. Faye accepted Vietnamese paperwork without asking
Faye Travel Insurance FAQ
Is Faye travel insurance legit?
Yes. Faye's US policies are underwritten by United States Fire Insurance Company (part of Crum & Forster) and Great American Insurance Group, both rated A+ by AM Best. I personally filed a $687 claim and was reimbursed in 7 days. It's proper travel insurance with a better app and claims process than traditional alternatives.
Is Faye travel insurance worth it?
Yes, for most international trips. I filed a $687 hospital claim in Vietnam and was paid in 7 days with no paperwork hassle. At about 4–8% of trip cost, the same price as slower alternatives, the better claims experience makes Faye worth it for any meaningful international trip.
Is Faye travel insurance primary or secondary?
Faye's emergency medical coverage is primary, with up to $250,000 in emergency medical expenses on international trips. Primary means Faye pays first, so you don't have to file with your own health insurance before Faye reimburses you.
Does Faye have annual travel insurance?
No. Faye currently sells single-trip coverage only, so each trip needs its own policy. Each policy can cover a trip of up to 180 days.
How long a trip does Faye cover?
Up to 180 days, roughly 6 months. For open-ended travel beyond that, a monthly subscription like SafetyWing is a better fit. See our Faye vs SafetyWing comparison.
Why is Faye travel insurance so cheap?
Faye isn't actually cheap. It costs about 4–8% of your trip, similar to Allianz and most traditional travel insurers. Faye sells directly through its website and app with no agent commissions, and runs claims digitally instead of through call centers. That keeps costs down without cutting coverage.
How fast does Faye pay claims?
In my experience, 7 days. Our $687 Vietnam hospital claim, with documents entirely in Vietnamese, was reimbursed in full in 7 days with no follow-up required. That's faster than traditional insurers like Allianz, which typically take 2–4 weeks.
How much does Faye travel insurance cost?
Roughly 4–8% of your total trip cost. A $3,000 trip typically runs $120–$240. Exact price depends on your age, destination, trip length, and coverage level. A quote at withfaye.com takes 90 seconds and requires no email address.
What does Faye cover?
Primary emergency medical expenses (hospital, doctors, medication), medical evacuation (which can cost $50,000–$100,000 without insurance), trip cancellation, trip interruption, baggage loss and delay, and travel delay expenses including accommodation and meals, on trips of up to 180 days.
Does Faye cover pre-existing conditions?
Faye can cover pre-existing conditions for trip cancellation and interruption if you buy within 14 days of your first trip deposit and are medically able to travel when you buy. Always read your specific policy for your situation.
What is Faye's BBB rating?
Faye isn't BBB accredited. For an insurer, the stronger trust signals are its underwriters (A+ rated by AM Best) and how claims get paid. Faye averages about 4.7 out of 5 on Trustpilot from roughly 4,000 reviews.
Faye vs Allianz: which is better?
Faye is better for most international trips. Both cost about 4–8% of trip cost, but Faye's app-based claims pay in days where Allianz's paper process typically takes weeks. For a detailed comparison see our Faye vs Allianz breakdown.
Is Faye good travel insurance for solo travelers?
Yes. Faye works well for solo travelers because everything runs through the app, so filing a claim doesn't require a travel companion to help track paperwork or sit on hold with you. Emergency medical and evacuation coverage matter more when you're traveling alone.
Is Faye good travel insurance for family vacations?
Yes. Faye covers each traveler on the policy individually, which matters for families since it's rarely the same person who needs care or has a bag go missing. Our own claim involved a family member being hospitalized while traveling together, and the per-traveler coverage plus app-based filing made it manageable.
What do Faye reviews on Trustpilot and Reddit say?
Faye holds an Excellent rating of about 4.7 out of 5 on Trustpilot from roughly 4,000 reviews, with claims speed and the app cited most often. Reddit sentiment is more mixed, with some threads praising fast payouts and others describing slower experiences on complex claims.
When should I buy Faye?
Within 14 days of making your first trip deposit. This maximizes your coverage options, including pre-existing condition coverage. Don't wait until the week before departure.
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Based on personal experience as a Fora 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.