Does Faye cover pre-existing medical conditions?

A pre-existing condition waiver is available if the plan is purchased within 14 days of the first trip payment or deposit and the traveler was medically able to travel on the day of purchase.

What's the difference between the base plan and cancel-for-any-reason?

The base plan reimburses trip cancellation and interruption only for specific covered reasons, such as illness or injury. The CFAR add-on lets a traveler cancel for any reason at all, up to 48 hours before departure, at a 75% reimbursement rate.

Does Faye offer an annual, multi-trip policy?

No — Faye sells single-trip plans only. A frequent traveler comparing this to an annual policy from another insurer should weigh the cost of buying per trip against one yearly premium.

How fast are claims actually paid?

Faye reports resolving most claims within 48 hours of a complete submission, with approved reimbursements sent to a digital wallet rather than a mailed check.

Is travel insurance worth buying for a senior traveling internationally?

A canceled trip or a medical emergency abroad can cost far more than the policy itself — a single air ambulance flight home can run into six figures without evacuation coverage. For older travelers in particular, medical costs are the main financial risk on a trip, which is why medical and evacuation limits matter more when comparing policies than the price of the premium alone.

✦ Claims Settled in 48 Hours

Senior Travel in Style $150–$550 ⭐ Senior Pick

Faye Travel Insurance

A single, customizable travel plan with $250,000 emergency medical coverage, a rare nonmedical evacuation benefit, and claims settled within 48 hours.

Key Features

A cancel-for-any-reason upgrade reimburses 75% of trip costs when added within 14 days of the first trip deposit and canceled at least 48 hours before departure.
Trip cancellation reimburses 100% of non-refundable costs up to $40,000, and trip interruption pays up to 150% of costs (capped at $60,000) if a covered event cuts a trip short.
In-app access to more than 20,000 telemedicine doctors for a virtual consult from the road, instead of searching for an English-speaking clinic in an unfamiliar city.
$100,000 in nonmedical evacuation coverage for events like a natural disaster or civil unrest that force an early departure without being a medical emergency.
Add-ons cover adventure and extreme sports, rental car damage, vacation rental damage, pet care back home, and work-related trip cancellation, so one base plan can be tailored per trip instead of shopping a new insurer for each need.

insurancetravel-insurancecancel-for-any-reasonmedical-evacuationsenior-travel

Best for

Seniors buying insurance for one upcoming trip — domestic, international, or cruise — who want a single comprehensive plan with strong medical and evacuation limits instead of comparing tiers across insurers, and who would rather file and track a claim from a phone than mail in paperwork.

Worth knowing

Faye sells one base plan with optional add-ons rather than several coverage tiers, so a traveler who wants a bare-bones, lowest-cost policy may find it priced above stripped-down competitors. There is no annual multi-trip option, so frequent travelers need to buy a new policy before each departure. Premiums also rise with traveler age, so a quote run for a younger traveler will understate what a policy actually costs a couple in their 60s or 70s.

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Is Faye Travel Insurance Worth It for a Senior Trip?

Faye is a digital-first insurer built around getting a policy issued in under a minute rather than mailing paperwork before a trip that is already booked. Plans are underwritten by United States Fire Insurance Company and Great American Insurance Company and distributed through Zenner, Inc. and its licensed subsidiary, Zenner Insurance Services. A quote and purchase happen directly on the website or in the mobile app, and the policy document arrives by email as soon as payment clears. The app also handles a few things beyond the policy itself: buying a destination eSIM, storing a passport or visa securely, and sending real-time alerts about flight delays or safety conditions where a traveler is headed. Baggage coverage adds up to $2,000 for lost or damaged luggage, with delay reimbursement starting at 6 hours without a receipt or 12 hours with one. Forbes Advisor ranked Faye No. 1 for senior friendliness in 2026, based on customer sentiment about coverage quality and how easy it was for older travelers to reach help when they needed it.

Frequently Asked Questions

How does it compare?

Other options in this category worth considering.

Product	Price	Best for
Faye Travel Insurance This pick	$150–$550	Seniors buying insurance for one upcoming trip — domestic, international, or cruise — who want a single comprehensive plan with strong medical and evacuation limits instead of comparing tiers across insurers, and who would rather file and track a claim from a phone than mail in paperwork.
HelloSafe Travel Insurance	Under $50	Seniors planning international travel who want to compare pricing and coverage across several insurers before buying, rather than accepting the first policy a travel agent or airline offers at checkout.
Travel Guard Travel Insurance	$50–$150	Seniors booking an international trip or cruise with sizable prepaid costs who want cancellation, medical and evacuation coverage in one policy from a single insurer, rather than shopping quotes across a marketplace.
Emergency Assistance Plus (EA+) Membership	$249–$319	Seniors who travel often by car, RV or cruise ship and want the journey home handled if a hospital stay interrupts a trip, particularly those whose age or medical history makes travel insurance expensive or hard to get.

Prices are approximate ranges — check each retailer for today's price.