There is one plan and the limits are fixed, so read it as a specification rather than a menu. Up to $250,000 emergency medical and up to $500,000 medical evacuation, plus a separate $100,000 for non-medical emergency evacuation that very little else here includes. There is no higher tier: a traveller who wants more medical cover cannot buy it at any price. And the waiver and cancel-for-any-reason are both gated at 14 days, tighter than the three-week norm.
| Benefit | Limit | What it means for a cruise |
|---|---|---|
| Emergency medical | Up to $250,000 | Fixed — no upgrade path at any price |
| Medical evacuation | Up to $500,000 | Faye's FAQ includes air ambulance |
| Non-medical evacuation | Up to $100,000 | Separate figure, and unusual to find included |
| Cancel for any reason | 75%, paid add-on | Buy within 14 days; cancel 48+ hours out |
| Interruption for any reason | Not offered | No IFAR at any price |
Who is actually behind it
Faye is a brand, not an insurer. Its policies are underwritten by United States Fire Insurance Company, part of Crum & Forster. Great American is also named on its plans.
That makes Faye the fourth name in this series running at least partly through the same underwriting company. Seven Corners and IMG are two of the others. Crum & Forster owns Travel Insured International outright.
The company itself is young. Faye launched in 2022 with venture funding and a team drawn from Allianz and Lemonade, then built the product the way a software company would. One plan. An app. Digital claims.
Two things follow, and they pull against each other. The buying experience is the cleanest in this series. The company also has the shortest history here to judge it by.
One plan, and these are the numbers
There is no tier to choose and no upgrade path for the two figures that matter. What follows is the whole product. Read it as a specification rather than a menu.
Comfortably above the working floor this site uses for international cruising. You cannot raise it. On a very expensive or very remote trip, that ceiling is the thing to weigh.
Faye's own FAQ describes this as covering air ambulance where a condition is acute, severe or life-threatening and adequate treatment is not available locally. Twice the $250,000 figure commonly cited as a sensible minimum.
Separate from the medical figure, and unusual to find included. It covers transport from a place of danger to a place of safety after a natural disaster or a political or security emergency.
The published figures disagree. Faye's own FAQ describes reimbursement up to $500 for transport after a covered delay of more than three hours; a 2023 review put missed-connection cover at $200 per person and called it low. Confirm on your own certificate — on a cruise this is the benefit that gets you to the next port.
Cancel at least 48 hours before departure, and buy within 14 days of your first trip payment. One review found the upgrade adding only about 23% to the premium where the market norm is nearer half again — unusually cheap for the benefit.
Several carriers in this series sell IFAR alongside CFAR. Faye does not, so a trip that goes wrong after you have left has only the listed covered reasons behind it.
Six carriers into this series, the absence of a decision is worth something. Nothing to compare against itself, nothing withheld from the cheaper option, nothing renamed at the state line.
The trade is real, though. Those medical and evacuation figures are ceilings, not starting points. A traveller who wants more cannot buy more here.
For a Caribbean week that is fine. For a Greenland expedition it is the question to sit with before anything else on this page.
Two ratings, measuring two different things
Search this brand and you will find an A+ and an F, and they are both real. They are also not about the same company or the same question.
Answers one thing: can the company pay what it owes. Faye's policies are underwritten by United States Fire Insurance Company — part of Crum & Forster, whose members AM Best upgraded to A+ (Superior) in August 2025 — with Great American also named on Faye's plans.
Measures something entirely different: how a company responds to complaints, its transparency and its history — not its solvency. A 2025 review found the Faye brand entity, Zenner Insurance Services, carrying an F rating from the BBB. That is a third-party report of a rating that can change, so check the BBB directly before you decide what to make of it.
One measures whether the money exists. The other measures how the business behaves when you complain. A company can score well on the first and badly on the second, and knowing which you are reading is the whole point of the companies page.
What that means practically. The A+ is a statement about United States Fire Insurance Company and it is well founded. The F was found in 2025 against the brand entity. BBB grades move, so check the listing yourself rather than trusting a figure quoted here or anywhere else.
Neither number establishes how often Faye pays claims. Nothing published does.
Scored on the eight that vary
The same eight dimensions every policy on this site is measured against. Compare carriers on anything else and you are comparing brochures. Scored across the range, because here the range is the product.
Each score is Seabound's judgement, not a figure published by any insurer. The underlying limits are researched from the carrier's own materials and stated as they appear there. The score answers one question: how well does this dimension serve someone booking a cruise? Ten means best-in-class for cruising. Five means adequate. Below five means a gap worth planning around. Where a benefit exists but only on one plan in a range, the score is marked down, because a benefit you cannot buy at your price point is not a benefit you have. Limits vary by state and the certificate you are issued is what governs.
Up to $250,000, which clears the working floor for international cruising with room to spare. Held back because the limit is fixed — there is no higher tier and no medical upgrade, so a traveller who wants more cannot buy it here at any price.
Up to $500,000 for medical evacuation, plus a separate $100,000 for non-medical emergency evacuation that very little else in this series includes. Double the commonly cited minimum, and strong for a single-tier product.
Available, and gated by a 14-day window from your first trip payment. Forbes flags this as shorter than the 21 days much of the market allows, and it is the joint-tightest window this series has found. A benefit you are more likely to miss is worth less than one you are not.
75% reimbursement, cancel 48 hours out, buy within 14 days. Priced unusually well: one review put the upgrade at roughly a quarter on top of the premium, where much of the market charges half again. Marked down only because there is no interrupt-for-any-reason companion.
One plan. No tier to decode, no cheaper version quietly missing the waiver, no state-renamed twin. After six carriers of Basic-versus-Choice-versus-Elite, the clarity is a genuine feature rather than a marketing line.
The cost of that simplicity, and the lowest mark here. Fixed limits you cannot raise, no IFAR, and a CFAR condition, noted in one review, that blocks increasing your insured trip cost after purchase. If your trip grows, this plan does not grow with it.
Missed connection triggers after a delay of more than three hours, which is the right shape for a cruise — but the published amount is disputed between Faye's FAQ and a review, and there is no dedicated cruise product or cruise bundle.
Two different things get conflated here and both belong on the record. The underwriter carries A+ financial strength. A 2025 review found the brand entity holding an F from the BBB. Reviews of the app and service skew positive. None of that is an approval or payment rate — it is signal, not proof.
Limits verified July 2026 and stated as up to figures. Published sources disagree on the missed-connection amount, and cancel-for-any-reason availability varies by state. BBB grades and AM Best ratings are dated facts that move — check both at the source. The plan document issued for your state is what governs.
Who it suits, and who should skip it
The base cover is solid and the buying experience is the best here. The limitation is that nothing about it can be adjusted.
Faye suits a mainstream cruise and a traveller who wants this dealt with in ten minutes. $250,000 of medical and $500,000 of evacuation is a serious base, the app is genuinely good, and there is no tier puzzle to solve. For a Caribbean or Mediterranean week, that combination is hard to argue with.
The cancel-for-any-reason is the quiet bargain. One review measured the upgrade at about 23% on top of the premium, against a market norm nearer 50%. If you want the flexibility, this is among the cheapest places in the series to buy it.
The fourteen-day window is the thing most likely to cost you. Much of the market allows 21 days from your first payment; Faye allows 14, and it gates both the pre-existing waiver and CFAR. Book a cruise a year out and a fortnight passes without ceremony.
A remote or expensive itinerary is where this plan runs out. The medical and evacuation figures are ceilings with no upgrade path, there is no interrupt-for-any-reason, and buying CFAR reportedly locks your insured trip cost. If your plans tend to grow after booking, that combination works against you.
On the ratings, hold both facts at once. The underwriter is financially strong. A 2025 review found the brand entity carrying an F from the BBB, which measures complaint handling rather than solvency. Check the current listing before you weigh it, and treat neither number as a claims-payment record.
Straight answers
Why does Faye appear at the top of so many rankings?
Partly because it is genuinely good at the things rankings measure — a clean app, fast digital claims, one comprehensible plan. Partly economics. Faye launched in 2022 with venture funding, and most ranking sites earn a commission on what they rank, so a newer brand spending on that channel appears more often. Neither fact is a scandal. Both are worth knowing before you read a top-ten list as a quality judgement.
Faye's underwriter is rated A+ but I have seen an F rating. Which is it?
Both, because they measure different things. AM Best rates financial strength — whether the insurer can pay what it owes — and section one names the company behind Faye's policies, upgraded to A+ (Superior) in August 2025. The BBB rates business conduct and complaint handling, and a 2025 review found the Faye brand entity, Zenner Insurance Services, holding an F there. A strong balance sheet and a poor complaint record can coexist. Check the BBB listing yourself before weighing it, since these ratings move.
How long do I have to buy?
Fourteen days from your first trip payment if you want the pre-existing condition waiver or the cancel-for-any-reason upgrade — and Forbes notes that is shorter than the 21 days much of the market allows. You must also be medically able to travel when you buy. On a cruise booked a year ahead, a fortnight goes past very quietly.
What is the catch with the CFAR upgrade?
Beyond the 14-day window, one review flags a condition worth knowing: buy CFAR and you cannot increase your insured trip cost afterwards. So if you add excursions, upgrade a cabin or book flights later, that extra spend may sit outside the cover. Estimate your total trip cost generously at the point of purchase rather than accurately.
Is one plan really enough for a cruise?
For most mainstream sailings, yes — $250,000 of medical and $500,000 of evacuation is a serious base. The question is what happens when your trip is not mainstream. There is no higher tier to step up to, no medical upgrade to buy, and no cruise-specific bundle. On a remote or expensive itinerary, a carrier that lets you raise the ceiling may suit you better.
What do the add-ons cover?
The base plan already includes non-extreme activities — Faye names surfing, hiking and snorkelling. Paid add-ons cover adventure and extreme sports such as skydiving and bungee jumping, rental car damage, vacation rental damage, and a pet package listed at $2,500 for pet medical expenses plus smaller sums for kennelling and getting a pet home. Useful, and none of them raise your medical or evacuation ceiling.
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Tell us about the trip, and who's going.
What your booking is exposed to, which coverage types your group needs, and which deadline is closest to biting you.
Seabound Journeys is an independent travel advisory and does not sell insurance. Answers come from this guide and are general information rather than advice about your policy.
Sources and verification
Every limit on this page was taken from the carrier's own published materials, not from a summary of them. Where published figures disagreed, both are shown rather than reconciled. Here is what was read.
The single plan's limits, the evacuation definitions, the included non-extreme activities and the add-on list come from Faye's own materials.
Cancel-for-any-reason availability and some conditions vary by state; the certificate issued to you governs.
A 2025 review found the Faye brand entity, Zenner Insurance Services, holding an F from the BBB. The BBB rates complaint handling, not solvency, and grades change — check the current listing directly.
Used to identify a conflict in the missed-connection figure (Faye's FAQ says up to $500; a 2023 review says $200 per person), the 14-day window comparison, and the cancel-for-any-reason pricing estimate.
Verified July 2026. Insurance terms change, ratings are revised, and carriers update plan documents without announcement. This page records what the sources said when it was checked and carries that date deliberately. The plan document issued for your state is the only binding version — nothing here replaces reading it.
Joey Boleslawski is the founder of Seabound Journeys and a CLIA-affiliated travel advisor with more than twenty years in the hospitality industry. He researches and writes every guide on this site himself, and books the sailings he writes about. The scores on this page are his judgement, not an insurer's figures — the limits behind them come from the carriers' own published materials, listed in full above. More about how this site works →
One plan, eight scores, two ratings that disagree. Back to the ratings →
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