Visas ยท insurer fileFaye
Faye eligibility rules
Slick app, fast claims, US residents only, and only before you leave. Every row below is taken from Faye's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | US residents in all 50 states. Not Puerto Rico, the US Virgin Islands, Guam, American Samoa or the Northern Mariana Islands. | verified |
| No fixed country of residence | No | US residency required. | verified |
| Buying after you have left home | No | You can buy up until departure but not once travel has begun. | verified |
| Maximum age | No stated cap | No upper age limit found in official wording (reported, not confirmed). | low |
| One-way and open-ended trips | No | A round-trip shaped product; one-way not addressed. | low |
| Longest trip | 180 days | Maximum trip length 180 days. | verified |
| Pre-existing conditions | With conditions | Pre-existing condition waiver if you buy within 14 days of your first trip deposit and are medically able to travel. Otherwise excluded. | verified |
| Cover in the USA | Yes | US residents travelling domestically and internationally. | verified |
| Schengen visa certificate | Not verified | Not a visa product. | low |
| Winter sports | With conditions | Via the optional adventure add-on. | partly |
| Scuba diving | With conditions | Via the optional adventure add-on. | partly |
| High-altitude trekking | With conditions | Via the optional adventure add-on. | partly |
| Scooters and motorbikes | Not verified | Not verified. | low |
| Working abroad | Not verified | Not verified. | low |
| Trip cancellation | Yes | Core benefit, with an optional cancel-for-any-reason upgrade. | verified |
| Families | Yes | Multi-traveller policies. | partly |
Who underwrites it
US carriers via Faye's programme. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Faye. That is disclosed on every link, and it never changes where they appear or in what order. Reported around $40 per sale.
Sources: withfaye.com, withfaye.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.