How Does Faye Travel Insurance Work?

Curious whether a phone app can replace the old paper policy? This product from Zenner Inc., underwritten by the United States Fire Insurance Company, puts the entire purchase-to-claim process in an app-first format.

Buy a single customizable plan, add optional protections, and store your policy on your phone. When a claim is approved, funds often arrive in about 48 hours to a digital wallet you can spend or move to your bank.

The plan covers key needs: full trip cancellation and generous trip interruption, emergency medical and evacuation, baggage protections, delays, and missed connections. Add-ons include CFAR for refund flexibility, rental car CDW, vacation rental damage, adventure sports coverage, and pet care.

Most U.S. residents taking trips up to six months can get a quote in minutes. Read the policy terms before purchase so limits and exclusions are clear.

Key Takeaways

• App-first policy management with fast digital payouts to a wallet.
• Underwritten by United States Fire Insurance Company.
• Core protections: trip cancellation, interruption, medical, evacuation, baggage.
• Many simple claims aim for ~48-hour resolution.
• Useful add-ons: CFAR, rental car CDW, rental damage, adventure and pet care.
• Available to U.S. residents for trips up to six months; read terms carefully.

Faye Travel Insurance at a Glance: What It Is and Why It’s Different

Launched in 2022, this insurtech company offers one streamlined policy that puts claims, support, and payouts inside a single app. The plan pairs high limits — $250,000 emergency medical and $500,000 evacuation — with broad trip and baggage protections.

The main differences are speed and simplicity. In-app claims, status tracking, nearby medical info, and an integrated wallet mean approved funds often arrive much faster than traditional providers. Optional add‑ons let users customize coverages for CFAR, rental car CDW, vacation rental damage, adventure sports, and pet care.

“Underwritten by United States Fire Insurance Company, the policy combines modern app features with established financial backing.”

The single-plan approach appeals to travelers who want quick choices and clear limits. For those who prefer multiple tiers, other providers may offer more granular options.

For a full review and comparison with other plans, see this detailed review.

how does faye travel insurance work

Faye streamlines getting covered from quote to payout inside a single app. Get an online quote, set your trip cost and add‑ons, then purchase the policy and store it on your phone.

App-first claims and process. File an incident in the app with dates, details, and photos or receipts. Track the claim status on the home screen. Straightforward cases target a decision in about 48 hours, though complex files may take longer.

Digital wallet reimbursements

Approved payouts land in the Faye wallet for immediate use or transfer to a bank. That speeds access to funds during a trip and reduces waiting for checks.

Underwriter and eligibility

Policies are underwritten by United States Fire Insurance Company. Coverage is designed for U.S. residents and typically supports trips up to six months.

What Faye Covers: Core Benefits and Policy Limits

Know which benefits trigger payouts and what caps apply before you need to use the policy.

Trip protection includes trip cancellation, trip interruption, and trip delay. Trip cancellation reimburses up to 100% of nonrefundable trip costs, capped at $40,000 for covered reasons. Trip interruption pays up to 150% of those costs, with a common cap of $60,000 to help cover added return or reroute expenses.

Delay and missed connections

Trip delay begins after six hours and pays $300 per day, up to $2,100. Missed connection benefits kick in after three hours and typically pay $200. These help with urgent expenses like hotels, meals, and transport.

Baggage and personal items

Baggage delay pays $200 after six hours without receipts, or $300 after 12 hours when you can show receipts. Lost or damaged luggage is commonly covered up to $2,000 total, often with about a $150 per-item cap.

Medical and evacuation limits

Primary emergency medical expense coverage goes up to $250,000 for unexpected illness or injury on your trip. Emergency medical evacuation covers up to $500,000; non-medical evacuation is up to $100,000 for transport or repatriation when required.

“Read the policy schedule for exact limits, waiting periods, and documentation needed at claim time.”

Plan Add‑Ons: CFAR, Rental Car Care, Vacation Rental Damage, Adventure Sports, Pet Care

Optional add‑ons expand standard coverage to match road trips, rental homes, and active itineraries. Choose extras during the quote process to fill gaps in the base plan.

Cancel For Any Reason (CFAR)

CFAR reimburses up to 75% of nonrefundable trip costs if you cancel at least 48 hours before departure. It suits travelers with uncertain plans who want partial refund flexibility. The 48‑hour rule is strict: miss it and the benefit typically won’t apply.

Rental Car Care

Rental Car Care adds a collision damage waiver with up to $50,000 in coverage. Typical pricing is about $7.58 per car per day. This can complement or replace counter CDW when you rent a car on a road trip.

Vacation Rental Damage

Vacation rental damage covers up to $3,000 for accidental harm to a property’s structure or contents. The flat example price is about $17.04. It helps protect against claims from hosts after a short stay.

Adventure & Extreme Sports

This add‑on broadens covered sports to include activities such as bungee jumping and scuba diving. Check the eligible activities list in the policy before relying on coverage for specific sports.

Pet Care

Pet Care reimburses up to $2,500 in vet costs and $250 for kenneling if delayed arrival forces extra care. The typical flat cost example is about $25.36. It’s useful for pet owners whose trip plans might affect pet care needs.

“Add‑on pricing and availability can vary by state and trip details; select extras during the quote step.”

What Isn’t Covered: Exclusions, Conditions, and Limitations

Understanding exclusions and timing rules is key to avoiding denied claims when you need help most.

Common exclusions

Named storms: cancellations tied to a storm that was named before you bought the policy are generally excluded.

Other routine exclusions include intentionally self‑inflicted injury, suicide, and any loss while under the influence of drugs or alcohol.

Claims tied to illegal acts, professional participation in high‑risk sports, wartime events, and piloting or training to pilot an aircraft are also excluded.

Medical and pre‑existing rules

Routine or preventive care is not covered. Mental health claims usually require hospitalization before they qualify for a payout.

Pre‑existing medical conditions get a 180‑day look‑back. If treatment, medication, or dosage changed in that window, coverage is often denied.

Waiver details: to qualify for a pre‑existing condition waiver you must buy the plan within 14 days of your first trip payment and be medically able to travel at purchase.

“Documentation and timing are critical when invoking coverage for cancellation or medical reasons.”

Tip: Review the policy definitions and time your purchase to maximize eligibility. Provide clear records and meet any hours or filing deadlines when you submit a claim.

Pricing and Value: Costs, Examples, and What Affects Your Rate

What you pay reflects your trip cost, traveler ages, and any add‑ons chosen. Rates also shift with trip length, destination risk, and whether you insure the full prepayment or only nonrefundable expenses.

What drives cost

Primary drivers:

• Total insured trip cost — higher sums raise premiums.
• Traveler age — older travelers usually pay more.
• Trip duration — longer trips increase exposure and price.
• Add‑ons — CFAR and extreme sports raise the premium; rental protection often adds per‑day fees.

Sample quotes and ranges

Concrete examples help set expectations:

Cost vs. coverage

Add‑ons change the math: rental car care is roughly $7.58 per day, vacation rental damage about $17.04, pet care around $25.36, and an adventure sports rider might be ~$54.56 in one illustration.

Practical tips: finalize trip expenses before buying, select only needed add‑ons, and buy early to qualify for waivers and CFAR. Insuring just the nonrefundable portion lowers upfront costs but may reduce claim payouts if you underreport expenses.

Who Faye Is Best For—and Who Should Consider Other Providers

This plan fits short, active trips where quick payouts and clear limits matter most.

Recommended travelers:

• Short to medium trips by U.S. residents who want streamlined policy management.
• Families who value high medical and evacuation limits plus simple claims.
• Adventure seekers who add the extreme sports rider for wider sports coverage.
• Pet owners who want vet and kenneling protections not often available elsewhere.

• Long‑term expats or digital nomads planning to be abroad more than six months.
• People who prefer phone-based claims or a paper policy experience.
• Those needing annual multi-trip plans or very high gear limits — compare other providers.

“Compare policy terms and limits side by side when you need specialized coverage or longer stays.”

How to Buy a Policy: Getting a Quote, Customizing Plans, Secure Payment

Start by entering basic trip details so the quote reflects real costs and eligible options.

Step-by-step sign-up:

• Enter destination, travel dates, your resident state, and each traveler’s name and DOB.
• Add a contact email so policy documents and claim updates arrive quickly.
• Adjust the insured trip cost to match nonrefundable expenses; this drives premium and benefit limits.

Customize and pay

Select add-ons on the quote page: CFAR, Rental Car Care, Adventure/Extreme Sports, Vacation Rental Damage, and Pet Care.

Review the coverage summary and policy terms before checkout. Note waiting periods, documentation needs, and any state rules that affect pricing or availability.

Complete secure checkout with your home address and payment method. After purchase, manage the policy and file claims in the app.

“Buy within 14 days of your first trip payment to preserve a pre‑existing condition waiver and CFAR options.”

Questions about eligibility or terms? See the policy FAQ for details from the company.

Claims and Reimbursements: Filing in the App and Getting Paid Fast

File a claim inside the app by choosing the trip, adding the incident date, and attaching proof. This step starts most payouts for faye travel insurance and keeps the process digital from start to finish.

Filing a claim: documents, timelines, and tracking

Open File a claim, pick the covered trip, describe the incident, and enter the total amount you seek.

Upload receipts, booking confirmations, medical reports, and police or incident statements. For cancellation claims, cancel with the vendor first and save their confirmation.

Processing time and common causes of delay

Target timing: simple claims often see a decision in about 48 hours.

Missing paperwork, unclear timelines, or overlapping benefits can lengthen review. Submit promptly to reduce back-and-forth and speed reimbursement for eligible expenses.

Reimbursements: wallet and bank transfer options

Approved funds first go to the Faye wallet for immediate use. You can then transfer money to your bank in a few taps.

“Track claim status in real time and watch for notifications if more info is needed.”

Faye vs. Other Travel Insurance Options

Choosing between providers often comes down to one question: which plan balances coverage and cost?

Faye’s single-plan model favors simplicity and higher core limits. Its emergency medical cap is commonly $250,000 and CFAR can reimburse up to 75%. That often beats some top tiers from other companies that cap medical at about $100,000 or offer smaller CFAR payouts.

Faye vs. AIG Travel Guard

Travel Guard uses multiple tiers and annual options. Those tiers can be cheaper for basic trips. But higher medical limits and larger CFAR on Faye give stronger payouts for serious incidents.

Faye vs. World Nomads

World Nomads includes many extreme sports by default. Faye covers those via add‑ons. World Nomads may need higher tiers to match Faye’s medical and cancellation caps. For an in-depth side‑by‑side, compare with World Nomads.

Credit cards and other providers

• Premium cards can offer overlap for delay, cancellation, and baggage.
• Card benefits may limit stacking; coordination of benefits can reduce payouts.
• Match provider choice to trip type, adventure level, and budget.

Pros and Cons of Faye Travel Insurance

This plan pairs strong emergency limits with a mostly digital claims path for quick access to funds. Below is a compact view of strengths, trade‑offs, and what to consider before buying.

At‑a‑glance: strengths

• High medical and evacuation limits: up to $250,000 medical and $500,000 evacuation for serious incidents.
• Fast digital reimbursements: approved payouts go to an in‑app wallet for near‑immediate use or bank transfer.
• Flexible add‑ons: CFAR (up to 75%), rental car CDW, vacation rental damage, adventure sports, and pet care.
• Clear benefit caps: simple single‑plan layout makes limits easy to find on the policy.

At‑a‑glance: trade‑offs and notes

• App‑first claims may not suit users who prefer phone or paper processes.
• No annual or multi‑trip plan option; trips are generally limited to about six months.
• Simple claims often resolve in ~48 hours, but complex files can take longer.

“Good choice for families and short to medium trips when digital speed and clear coverage matter.”

Overall value is competitive versus other providers for comparable costs and benefits. For a deeper third‑party review, see this detailed NerdWallet review.

Conclusion

A streamlined app and robust emergency limits make this option stand out for short to medium trips.

The plan offers app-first policy management, fast digital reimbursements, and clear limits — including strong medical and evacuation caps plus full trip cancellation and 150% trip interruption benefits.

Consider adding CFAR when plans are uncertain and choose rental, adventure sports, or pet riders to fill gaps in coverage. U.S. residents taking trips up to six months will find the design useful for speed and simplicity.

Compare total cost and benefits against card protections and other providers before buying. For an independent perspective, see this MarketWatch review for more detail.