Faye Travel Insurance Review

App-first travel cover with the highest medical limits in this set, sold and claims-administered by the same company.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 11, 2026.

Our verdict

Travelers who want big medical limits handled in an app get the highest here, $250,000 medical and $500,000 evacuation, from two A+ underwriters. The fine print costs it: Faye caps its own liability to you at five dollars, and disputes go to JAMS arbitration unless you opt out within 30 days. Do that in the first month.

Skip it if you live in New York and want Cancel For Any Reason, or want claims decided by someone other than the seller.

About Faye Travel Insurance

App-first travel cover with the highest medical limits in this set, sold and claims-administered by the same company. Faye Travel Insurance is offered by Zenner Inc. d/b/a Faye (underwritten by United States Fire Insurance Company and Great American Insurance Company). Our editorial rating is 4 out of 5.

Best for: Travellers who want high medical limits and a claims process that runs in an app.

Editorial grade: B+ (composite score 79/100).

Highlights

Emergency medical to $250,000 and medical evacuation to $500,000, the highest limits here
Trip interruption to 150% of prepaid cost; trip cancellation to 100%
Underwritten by United States Fire Insurance Company (AM Best A+) and Great American Insurance Company (AM Best A+)
Cancel For Any Reason reimburses up to 75%, bought within 14 days of first deposit

What we like

Highest medical and evacuation limits of the five, which is what actually bankrupts travellers
Both underwriters rated A+ (Superior), with no weak carrier in the panel
Claims filed and tracked in the app rather than by email and PDF

Where it falls short

Faye's own terms cap its total liability to you at five US dollars, so a service or administration failure has effectively no remedy
Mandatory JAMS arbitration with a 30-day opt-out window, which removes court and class remedies for anyone who does not act in the first month
The company that sells you the policy also decides your claim: Zenner Insurance Services sells, Zenner Claims Administrator adjudicates

Fees, minimums, and rates

Monthly fee: Quoted per trip. Minimum to open: N/A. Rates and fees last checked on September 11, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Zenner Inc. d/b/a Faye (underwritten by United States Fire Insurance Company and Great American Insurance Company). It is built from Zenner Inc. d/b/a Faye (underwritten by United States Fire Insurance Company and Great American Insurance Company)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Travel Insurance shortlist. The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.