Faye (Faye Travel Insurance) review 2027

What problem does Faye travel insurance solve?

The worst part of travel insurance is usually the claim, and Faye's answer is to move it onto your phone. You file and track claims in the app, and approved claims are paid to the Faye Wallet in days. That is the benefit the plan is built around, and it sits on limits that are not thin: $250,000 medical and $500,000 evacuation on the plan we quoted.

Beyond the claim itself, Faye adds options rather than forcing everything into one tier: add-ons for cancel-for-any-reason, adventure sports, pet care and rental cars. When you need a person, live chat with humans runs in the app 24/7. The plan is quoted as Faye Travel Protection, underwritten by United States Fire Insurance Company, at $149 for our sample trip.

How did Faye score in our testing?

Faye finished on 8.5 out of 10, first of the seven travel insurance plans we tested. The score comes from four weighted criteria.

• Coverage — 29 of 35. This measures emergency medical and evacuation limits, trip cancellation and interruption percentages, and baggage and delay benefits on the mid-tier plan.
• Claims & service — 24 of 25. The strongest result of any criterion: claim filing method, published payment timelines, 24/7 assistance, and complaint ratios in state insurance data.
• Price — 15 of 20. The premium for our sample trip on the mid-tier plan.
• Flexibility — 17 of 20. Cancel-for-any-reason option, pre-existing condition waiver window, annual plans, free-look period and the app.

The pattern is clear: Faye gives up points on coverage and price, and takes almost everything available on claims and service.

Where Faye stands out

The claims process is the reason it won. Filing and tracking happen in the app, and approved claims land in the Faye Wallet in days rather than weeks. That is a measured result from our testing, not a marketing line.

The limits behind that process are workable for most trips: $250,000 emergency medical and $500,000 evacuation. Trip cancellation covers 100% of trip cost. Cancel-for-any-reason is available as an add-on at 75%, and the pre-existing condition waiver applies if the plan is bought within 14 days. Adventure sports, pet care and rental car add-ons cover the gaps travellers usually discover too late, and human live chat is available in the app 24/7.

How does Faye compare with Seven Corners, Tin Leg and Allianz?

Faye's 8.5 edges Seven Corners at 8.5 on the same score, but the two plans are not the same shape. Seven Corners quotes $168 for its Trip Protection Choice plan and carries $500,000 emergency medical and $1,000,000 evacuation — double Faye's medical limit and double its evacuation limit. Seven Corners also offers an annual plan (Trip Protection Annual Multi-Trip) and a pre-existing waiver if bought within 20 days, against Faye's 14. Faye answers with the claims experience and a lower $149 quote.

Tin Leg scores 8.2 at $158 for its Gold plan, with $500,000 medical and $500,000 evacuation, 100% trip cancellation, a 75% CFAR add-on and a pre-existing waiver if bought within 14 days — the same window as Faye. Tin Leg has no annual plan, so that gap is level between them. Allianz scores 8.0 at $172 for OneTrip Prime, with $50,000 medical and $500,000 evacuation, 100% trip cancellation, no CFAR on that plan, a 14-day pre-existing waiver and annual plans from AllTrips Basic to Executive. Allianz's medical limit is far below Faye's; its advantage is the annual plan and its longer claims history.

Where Faye falls short

Three limits are worth knowing before you buy. Faye is available to US residents only. There is no annual plan, which rules it out for frequent travellers who want one policy across multiple trips. And it is a younger company with a shorter claims history than Allianz or AIG.

Coverage is also behind Seven Corners on the headline numbers: $250,000 medical against $500,000, and $500,000 evacuation against $1,000,000. If the last dollar of limit matters more than the speed of the claim, Seven Corners is the stronger plan on paper.

Is Faye good value?

Faye's sample quote is $149. For context, Travelex quotes $139 for Travel Select, Tin Leg $158 for Gold, Travel Guard $164 for Preferred, Seven Corners $168 for Trip Protection Choice and Allianz $172 for OneTrip Prime. Faye sits below most of the field while carrying $250,000 medical and $500,000 evacuation, and it takes 24 of 25 points on claims and service. The premium is not the lowest in the ranking, but it is not paying for limits you will never use either.

Who should buy Faye?

Faye suits travellers who value speed and an app over the last dollar of limit. If you want to file a claim from your phone, watch it move, and have approved money arrive in a digital wallet in days, this is the plan we would want when something actually goes wrong. If you need an annual plan, live outside the US, or want the highest medical and evacuation limits available, look at Seven Corners instead.