Faye Travel Insurance Review (2026)
We maintain coverage data on every major adventure travel insurer, sourced from policy wordings. This review covers Faye with the Adventure & Extreme Sports add-on — available on all three of Faye's plans (First, Forward, Flagship) and the configuration that matters for skiers, snowboarders, and trekkers.
Our verdict
For US residents who ride unguided or are over the age caps other insurers impose, Faye is arguably the strongest option we track. The trade-offs: medical capped at $100k–$250k by plan rather than unlimited, and if you don't live in the USA, you can't buy it at all.
- ✓ Off-piste, backcountry, heli, cat — no guide required
- ✓ Terrain park covered (rare)
- ✓ No upper age limit
- ✓ Strong user rating (4.8★ on Trustpilot)
- ✗ US residents only
- ✗ Medical capped at $250,000 USD ($100k on the First plan)
- ✗ Search & rescue: confirm with provider
- ✗ High-altitude objectives: confirm with Faye (no ceiling stated in wording)
What Faye actually covers
| Overseas medical | $100,000 USD (First) / $250,000 USD (Forward, Flagship) |
| Emergency medical evacuation | $250,000 / $500,000 / $1,000,000 by plan |
| Trip cancellation / interruption | Chosen cover — you set the limit when building the policy |
| On-piste skiing / snowboarding | Covered |
| Off-piste / backcountry / heli / cat | Covered — no guide required |
| Terrain park | Covered |
| Search & rescue | Contact provider to confirm arrangements |
| Trekking | Add-on required above 2,700m (9,000ft); no ceiling stated in current wording |
| Age limit | No upper age limit |
| Eligibility | US residents only |
Source: Faye US policy wordings with the Adventure & Extreme Sports add-on (Medical Bundle 1D in the wording). Read the policy wording: Forward · First · Flagship.
Who Faye is right for — and who should pass
Get Faye if you're…
- A US resident riding off-piste or park without a guide
- Over 69 and being refused by other adventure insurers
- Trekking to EBC or Kilimanjaro (with the Adventure & Extreme Sports add-on)
- Someone who values app-based claims (its reviews are largely about claim speed)
Look elsewhere if you're…
- Not a US resident — you can't buy it
- Wanting unlimited medical for high-consequence terrain
- Relying on included search & rescue — confirm first, or add a medical evacuation and emergency rescue membership
- Attempting serious high-altitude objectives without confirming limits with Faye first
Sounds like your trip?
US residents: quotes take about two minutes on Faye's site.
Get a Faye quote →Not sure? Take the 60-second policy finder instead.
Frequently Asked Questions
Is Faye travel insurance legit?
Yes. Faye holds a 4.8-star rating from 5,127 Trustpilot reviews — among the highest scores we track in travel insurance, where claim disputes usually drag ratings down. It's an app-first US insurer known for fast digital claims.
Who can buy Faye travel insurance?
US residents only. If you live outside the USA, Faye isn't available to you — see our Faye vs World Nomads comparison for the closest worldwide alternative.
Does Faye cover off-piste and backcountry skiing?
Yes — with the Adventure & Extreme Sports add-on (available on all three plans), off-piste, backcountry, heli, and cat skiing are covered without a guide requirement, and terrain park riding is covered too. That combination is rare: most policies either exclude these activities or require professional guiding.
What are Faye's medical coverage limits?
It depends on the plan: $100,000 USD on First, $250,000 USD on Forward and Flagship, with emergency medical evacuation of $250k / $500k / $1M respectively. Solid for most destinations but well below the unlimited cover some competitors offer — worth weighing if you're heading somewhere with expensive healthcare or doing higher-consequence activities.
What's the difference between Faye's First, Forward, and Flagship plans?
Since late 2026 Faye sells three plans. The ski and adventure wording is identical across all of them — what changes are the limits: medical expense ($100k First / $250k Forward and Flagship), emergency evacuation ($250k / $500k / $1M), and extras like baggage and cancellation. The Adventure & Extreme Sports add-on can be attached to any of the three.
Does Faye have an age limit?
No upper age limit in our data — which makes Faye one of very few adventure-friendly options for travellers in their 70s and 80s. See our ski insurance for over 70s and over 80s comparisons.
Does Faye cover high-altitude trekking?
Yes — climbing above 2,700m (9,000ft) is a defined Adventure or Extreme Activity, so it requires the Adventure & Extreme Sports add-on. That covers Everest Base Camp and Kilimanjaro. The current wording states no explicit altitude ceiling (earlier wordings capped at 6,000m) — for objectives above roughly 4,000m, confirm with Faye before you buy. Search & rescue arrangements should also be confirmed directly — our data lists it as 'contact provider'.