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Traveling can have unexpected ups and downs. If you're afraid inclement weather or personal illness might wreck your trip, travel insurance can provide peace of mind and cover your costs if something doesn't go as planned.
Many credit cards offer benefits like trip delay protection, lost luggage reimbursement, and rental car insurance, but standalone travel insurance coverage from a provider like Faye Travel Insurance can help you fill in the gaps or help cover you if you don't have such a card. Or, it can enhance the coverage you already have by virtue of what's in your pocket.
I cruise a lot and needed to fly through Hurricane Helene to make my sailing in Fort Lauderdale, so the benefits of travel insurance have been on my mind of late. As you might have guessed, I had to sort through a couple of flight cancellations. If I had travel insurance, I could have been reimbursed for my expenses and spared a considerable amount of stress. And depending on the policy, I might have even been able to cancel the trip entirely and still recover my costs — even the non-refundable ones.
So, for my next trip, I wanted to test out a new travel insurance offering — one that promotes itself as an easier-to-use solution than many legacy insurance providers. Here's my review of what it was like using Faye Travel Insurance.
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My Experience Using Faye Travel Insurance
Admittedly, my trip was simple compared to other trips I usually take. I traveled from my home city of Phoenix, Arizona, to Orange County, California, to visit Disneyland on a quick one-night trip. I had already booked my flights, hotel, and park tickets, so I was curious how much I'd have to enter into Faye's quote-building system to get policy options.

Step-By-Step: How To Get a Quote and Cover Your Trip With Faye Travel Insurance
Using Faye to purchase travel insurance is straightforward — whether you do so through the app or the website. Faye guides you through the process step-by-step and helps you customize your coverage quickly and easily.

Here's a breakdown of how it works:
- Enter your destinations as prompted.
- Enter your residence. Since insurance pricing and coverage can vary by state, your place of residence is a key factor in determining your quote.
- Input your travel dates. Provide the start and end dates of your trip.
- Add traveler details. You’ll need to enter the names and ages of all travelers. Keep in mind that the age of the travelers may impact the price of the insurance quotes.
- Review your quote. Faye’s system dynamically adjusts your quote based on your chosen total estimated trip cost. They also offer a handful of add-ons such as Rental Car, Extreme Sports and Vacation Rental Damage Protection. This flexibility allows you to customize your policy to fit your needs.
- Complete your purchase. Once satisfied, you can pay directly on the check-out screen using a credit card. After payment, you’ll receive a policy number and a prompt to download the Faye app for real-time flight updates, pre-trip essential info and 24/7 support.

What’s Covered with Faye Insurance?
Faye’s coverage can include several key benefits that make it an attractive choice for travelers. In one word, it's comprehensive.

Trip cancellation is one of the primary features; it can reimburse you up to 100% of your trip costs if you’re forced to cancel due to a covered reason, such as illness or severe weather. This is especially reassuring for travelers planning expensive or non-refundable vacations.

Trip interruption coverage can provide financial support if your plans are disrupted after your trip kicks off. For example, you can be reimbursed $200 if a flight delay is six hours or more, and you can opt to spend the funds on meals, accommodation, or really anything you please. This benefit can also compensate you for disruptions like long lines at security. That's a pretty rare feature — at least compared to what some legacy insurance providers offer. Note that with Faye you can be reimbursed for up to 3 trip inconveniences per trip ($200/inconvenience, capped at $600 per trip).

Luggage protection is another key feature; it can cover both checked and carry-on items and can reimburse you up to $2K if your belongings are lost, stolen, or damaged during your trip. While many credit cards offer lost or damaged luggage reimbursement, Faye may provide higher limits or cover additional scenarios.

On balance, Faye’s core coverage strikes a good balance between essential protections and traveler-friendly perks.
Faye Insurance Supplemental Coverage Options for Peace of Mind
Outside of its standard benefits and coverages, Faye offers several add-ons to tailor your policy to specific travel needs. One of the most appealing among these is “Cancel for Any Reason” (CFAR) coverage. This coverage allows you to recoup up to 75% of non-refundable trip costs if you cancel your trip for reasons other than those covered in your plan’s trip cancellation coverage, as long as you purchase this coverage within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date.
For those renting cars, Faye provides an affordable alternative to the pricey insurance rental agencies offer, which is valuable if you don't carry a credit card featuring primary or secondary coverage. Adventure seekers can opt for coverage designed for extreme sports, providing peace of mind during high-risk activities like skydiving — things that cards with free travel insurance don't cover. It's worth noting that Faye's standard base plans include activities like regular skiing, surfing, and scuba diving which some insurance providers classify as extreme sports.
And it might not come as a surprise, but Faye also caters to travelers staying in vacation rentals. Faye will let you add coverage for damages to properties booked through platforms like Airbnb or VRBO. Plus, pet owners will appreciate the “pet care” add-on, which covers additional expenses if travel delays impact your pet care arrangements. Simply put, there's a lot on offer with Faye.
*Coverage limits and availability may vary by state of residence.

Final Thoughts
Overall, I had a great experience purchasing a travel insurance policy through Faye. Thankfully, my flights departed on time, and I didn’t need to file a claim. That said, the app makes the claims process simple, allowing you to upload all necessary documents directly within the app and file a claim in minutes.
What sets Faye apart is its ease of use and transparency. While some providers may offer cheaper plans, Faye’s value lies in its intuitive platform and customizable coverage options. There's big value in something that's easy to use and understand.
I wouldn’t hesitate to use Faye again for future trips — and as always, I hope I never have to use insurance policies I purchase!
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