Faye

What Faye is

Faye is a plan brand, not an insurance company in its own right. Its site states that "Faye is the brand name for customizable travel protection plans offered by Zenner, Inc. and its subsidiaries including Zenner Insurance Services LLC, California license #6006067," and that the plans "consist of travel insurance underwritten by an authorized insurance carrier, as identified in the insurance policy if purchased." The footer on the coverage pages ties each plan to a carrier by name: the Domestic Faye First plan and the International Faye Forward plan are "underwritten by United States Fire Insurance Company," while the Domestic Faye travel protection plan and the International Faye travel protection plan are "underwritten by Great American Insurance Company." The site adds that "Other non-insurance assistance services are provided directly by Zenner, Inc., and Falck Global Assistance LLC." What Faye sells is whole-trip protection that bundles health, trip cost and belongings coverage into one policy, bought and managed in an app, with optional add-ons layered on a base plan. The carrier named on the policy pays claims; Faye is the brand, storefront and app in front of it.

What the coverage page states

The coverage page frames its figures as "an example of a U.S. resident traveling internationally who purchases a plan at least three days before departure," and notes that "Benefits and availability vary by state." On that example it lists emergency medical expenses "Up to $250K (primary)" for a sudden illness or injury during a trip, covering costs "like hospitalization, prescription medication and doctor visits." Emergency medical evacuation is listed as "Up to $500K," paying for transport to the nearest appropriate facility when "adequate treatment is not available nearby." A separate non-medical emergency evacuation benefit is listed at "Up to $100K" for events such as a natural disaster or "political or security emergency outside of your home country." A virtual doctor benefit gives "Access to a global network of 20K+ telemedicine doctors while traveling internationally through our partnership with Air Doctor."

Trip cancellation reaches "Up to 100% of non-refundable trip costs" for covered reasons that include sickness, injury or death of the insured, a family member, a travel companion or a business partner, inclement weather, complications of pregnancy, a travel supplier's financial default, a traffic accident, a terrorist incident and involuntary job termination; the page calls this "a summary of select covered reasons" and points to the plan document for the full list. The FAQ adds that the cancellation benefit is "capped at your total estimated trip cost, which you input at the time of purchase." Trip interruption pays "Up to 150% of your non-refundable trip costs, including additional transportation expenses." Trip delay pays "Up to $3.5K/trip, capped at $250/day for delays of more than 6 hours." A trip inconvenience benefit pays "$200/trip inconvenience, capped at $600/trip" for events such as a flight cancellation, diversion or rental home lockout. Missed connection pays "Up to $500 reimbursement if you experience a covered delay of more than 3 hours." Lost or damaged belongings are covered "Up to $2K/trip (capped at $200/item)." Included extras are 24/7 assistance, real-time flight alerts and complimentary airport lounge access "if your flight is delayed by 3 hours or more."

Add-ons

The coverage page lists six optional add-ons, each with its own figure. Rental car care is "Up to $50K" for accidental damage to a rental car. Cancel For Any Reason pays "Up to 75% of non-refundable trip costs." Pet care is "Up to $2.5K in veterinary expenses & $250 for kenneling." Vacation rental damage protection is "Up to $3K." Cancel For Work Reasons pays "Up to 100% of non-refundable trip costs" for reasons such as "being unexpectedly required to work or receiving an involuntary job transfer," provided the add-on is bought within 14 days of the first trip deposit. The Adventure & Extreme Sports add-on pays "Up to $250K for unexpected illness or injury expenses," and its own page names the activities it can cover: "bungee jumping, hot air ballooning, parachuting, skydiving, cliff diving, paragliding, hang gliding, heli-skiing, heli-snowboarding and mountain climbing up to 19,685 feet (6,000 meters)." The same page says the base policies "already cover many sports and activities," and that sports equipment falls under the baggage benefit at "Up to $2K total per trip."

Who can buy it and how it works

Faye is sold online and through its app, with a quote set by trip details. The homepage lists domestic and cruise trips "Starting at $4.36/day for 14 days" and international trips "Starting at $5.76/day for 14 days," without saying which traveler those starting prices were quoted for. Pre-existing conditions get a specific, limited promise: the coverage page says trip cancellation or interruption related to a pre-existing condition "can be covered if you purchase your plan within 14 days of your initial trip deposit" and the traveler is "medically able to travel at the time of purchase." The Cancel For Any Reason page sets its own timing rule: the add-on must be bought "within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date," after which "Up to 75% of your non-refundable trip costs will be covered, up to your estimated total trip cost (your policy limit)." The same page says "CFAR is not currently available to residents of New York."

Claims and support run through the app. The homepage lists "Instant claim filing Right from your phone, even when mid-trip" and speedy reimbursements "On approved claims directly to your phone's wallet," and the coverage page describes a team "available to you 24/7 with travel advice, helpful tips and support when you need it most - including how to locate a doctor or a pharmacy." For the trip inconvenience benefit, the FAQ says tracking flights in the app "can result in funds being sent immediately to your phone's digital wallet." Support can also be reached at the e-mail address support@withfaye.com or by in-app chat. The site says buyers who purchased before June 2026 should use the policy in their email or the app.

Who it suits

Faye fits a traveler on a single domestic, international or cruise trip who wants the policy, claim filing and flight alerts in one app and who is comfortable picking add-ons one by one rather than choosing a fixed tier. The plan names and carriers are published side by side, so a buyer can see which carrier stands behind the plan being bought. The pre-existing condition provision, Cancel For Any Reason and Cancel For Work Reasons all run on a 14-day window from the first trip deposit, which suits someone who buys protection soon after booking. The pages give no age limits and no deductible for the medical benefit, and the figures above are the example traveler's, varying by state.