Allianz vs Faye Travel Insurance
On official pages fetched November 10, 2026, Allianz OneTrip Premier lists $75,000 emergency medical and $1 million emergency transportation, with optional Cancel Anytime reimbursement of 80% if you buy within 14 days and the trip starts at least 30 days later. Faye’s coverage page is an example of a US resident buying the Faye Forward plan at least three days before an international departure: up to $250,000 primary emergency medical, $500,000 evacuation, cancellation up to 100% of non-refundable trip costs, and optional CFAR of up to 75% if bought within 14 days of the first deposit and you cancel at least 48 hours before departure. This is not insurance advice.
How this page was made: this is a research-based comparison built from official pricing pages, plan or policy wording, and product documentation. We haven’t tested these products or policies ourselves, and we don’t invent scores. Our methodology.
Quick answer
Choose Allianz Travel if you want Premier’s official $1 million evacuation benefit and 80% Cancel Anytime, and your trip starts at least 30 days after purchase. Choose Faye if the Faye Forward example’s official primary medical limit (up to $250,000) and 75% CFAR terms fit, and you can cancel at least 48 hours before departure.
Last updated Pricing checked Nov 10, 2026
Check Allianz Travel pricing (opens in a new tab)Check Faye pricing (opens in a new tab)
Key facts at a glance
| Allianz Travel | Faye | |
|---|---|---|
| Emergency medical | $75,000 ($750 dental maximum), per insured traveler. | Example: up to $250,000, described as primary. FAQ: from $50,000 up to $250,000 depending on the plan; a Flagship add-on can increase international coverage up to $500,000. |
| Emergency medical evacuation | $1,000,000, per insured traveler. | Example: up to $500,000 to the nearest appropriate facility when adequate treatment is not available nearby. FAQ: $250,000 to $1 million depending on the plan. |
| Trip cancellation | Up to $200,000 for prepaid, non-refundable expenses for a covered reason. Premier uniquely lists a NOAA hurricane warning as a covered cancellation reason. | Example: up to 100% of non-refundable trip costs for a covered, unforeseen reason, capped at the estimated trip cost you enter at purchase. The page lists selected reasons including sickness, injury or death, inclement weather, financial default of a travel provider, traffic accident, terrorist incident, involuntary job termination, and others, and says the list is a summary. |
| Trip interruption | Up to $300,000. | Example: up to 150% of non-refundable trip costs, including additional transportation expenses. FAQ: 100%–150% depending on the plan. |
| Travel delay | $1,600 ($200 daily) after a covered delay of three or more hours, plus an optional $100 no-receipt inconvenience payment. | Example: up to $3,500 per trip, capped at $250 per day, for covered delays of more than 6 hours. FAQ: $1,200–$4,500 per person, $200–$300 per day, depending on the plan. |
This is a dated comparison of official US-facing plan summaries, not insurance advice. We fetched Allianz OneTrip Premier, Cancel Anytime, and Faye’s coverage and CFAR pages on November 10, 2026. Faye’s coverage page says the details shown are an example of a US resident traveling internationally who purchases the “Faye Forward” plan at least three days before departure. Faye’s FAQ on the same page says emergency medical can range from $50,000 up to $250,000, and evacuation from $250,000 to $1 million, depending on the plan. We are not treating the Forward example as every Faye policy. Benefits vary by state. Confirm the plan documents and confirm coverage with the issuer before you buy. We have not filed claims, and we do not invent scores. We do not compare travel credit cards.
Choose Allianz OneTrip Premier for official emergency transportation of $1 million and optional Cancel Anytime at 80% that can be used through the departure day if you have not left, provided the trip starts at least 30 days after purchase. Choose Faye’s Forward example for official primary medical of up to $250,000 and optional CFAR of up to 75% if you buy within 14 days and cancel at least 48 hours before departure.
Allianz Travel vs Faye: side-by-side
| Allianz OneTrip Premier | Faye (Forward example, unless noted) | |
|---|---|---|
| Emergency medical | $75,000 ($750 dental maximum), per insured traveler. | Example: up to $250,000, described as primary. FAQ: from $50,000 up to $250,000 depending on the plan; a Flagship add-on can increase international coverage up to $500,000. |
| Emergency medical evacuation | $1,000,000, per insured traveler. | Example: up to $500,000 to the nearest appropriate facility when adequate treatment is not available nearby. FAQ: $250,000 to $1 million depending on the plan. |
| Trip cancellation | Up to $200,000 for prepaid, non-refundable expenses for a covered reason. Premier uniquely lists a NOAA hurricane warning as a covered cancellation reason. | Example: up to 100% of non-refundable trip costs for a covered, unforeseen reason, capped at the estimated trip cost you enter at purchase. The page lists selected reasons including sickness, injury or death, inclement weather, financial default of a travel provider, traffic accident, terrorist incident, involuntary job termination, and others, and says the list is a summary. |
| Trip interruption | Up to $300,000. | Example: up to 150% of non-refundable trip costs, including additional transportation expenses. FAQ: 100%–150% depending on the plan. |
| Travel delay | $1,600 ($200 daily) after a covered delay of three or more hours, plus an optional $100 no-receipt inconvenience payment. | Example: up to $3,500 per trip, capped at $250 per day, for covered delays of more than 6 hours. FAQ: $1,200–$4,500 per person, $200–$300 per day, depending on the plan. |
| Cancel for any reason / Cancel Anytime | Cancel Anytime: 80% of unused prepaid, non-refundable costs for almost any unforeseeable reason the plan does not already cover. Buy within 14 days of the first deposit or expense, insure the full trip cost; the trip must start at least 30 days later. Not offered in all states. You may cancel through the departure day if you have not left. | Optional CFAR: up to 75% of non-refundable trip costs, up to the plan’s estimated trip-cost limit. Buy within 14 days of the initial trip deposit, and cancel at least 48 hours before scheduled departure. Not currently available to New York residents. |
| Pre-existing conditions, as stated | Waiver if you buy within 14 days of the first trip payment, insure the full non-refundable cost, are a US resident, and were medically able to travel on the purchase date. Defined over 120 days prior to and including purchase. | Trip cancellation or interruption related to pre-existing conditions can be covered if you purchase within 14 days of the initial trip deposit and are medically able to travel at purchase. |
| Other official extras on the pages we fetched | Trips up to 366 days. Kids 17 and under covered free with a parent or grandparent (not on Pennsylvania-issued policies). 24-hour hotline and concierge. | The Forward example also lists trip inconvenience benefits, missed connection up to $500 after a 3-hour delay, non-medical emergency evacuation up to $100,000, belongings up to $2,000 ($200/item), 24/7 assistance, flight alerts, and complimentary airport lounge access if a flight is delayed 3 hours or more. Optional add-ons include rental car, pet care, vacation rental damage, cancel for work reasons, and adventure sports. Plans purchased before June 2026 may use different wording. |
What are the pros and cons?
Allianz Travel: pros
- Official $1 million emergency transportation benefit on Premier, and cancellation up to $200,000
- Cancel Anytime can reimburse 80% and can be used through the departure day if you have not left, if you meet the 14-day and 30-day rules
- Premier is written for trips up to 366 days
Allianz Travel: cons
- Official emergency medical on Premier ($75,000) is lower than Faye’s Forward example ($250,000)
- Cancel Anytime cannot be used if the trip starts in fewer than 30 days, and is not offered in all states
- We do not have an official premium to compare
Faye: pros
- The Forward example lists primary emergency medical of up to $250,000 and interruption of up to 150%, plus a 75% CFAR option
- CFAR uses a 14-day purchase window without Allianz’s 30-day start-date rule, but you must cancel at least 48 hours before departure
- The coverage page lists app-based extras such as flight alerts and delayed-flight lounge access in the Forward example
Faye: cons
- Those dollar figures are an example of Faye Forward bought at least three days before an international departure — other Faye plans list lower or different limits in the FAQ
- CFAR requires 48 hours’ notice and is not available to New York residents; official evacuation in the Forward example ($500,000) is lower than Allianz Premier’s $1 million
- We do not have an official premium to compare, and we have not filed claims
Which should you choose: Allianz Travel or Faye?
On the official pages we fetched November 10, 2026, Allianz OneTrip Premier publishes a lower emergency-medical maximum than Faye’s Forward example ($75,000 vs up to $250,000) and a higher emergency-transportation maximum ($1 million vs $500,000 in that example). The cancel-for-any-reason rules are the sharper split: Allianz Cancel Anytime can pay 80% through the departure day if you have not left, but the trip must start at least 30 days after purchase. Faye’s optional CFAR can pay up to 75% after a 14-day purchase window, without that 30-day start rule, if you cancel at least 48 hours before departure, and it is not available to New York residents. Faye’s FAQ warns that other Faye plans have different limits. Read the documents for the plan you are actually quoted. This is not insurance advice.
Choose Allianz Travel if…
- You want Premier’s official $1 million evacuation benefit and 80% Cancel Anytime, and your trip starts at least 30 days after purchase
- You need a single-trip plan written for a stay of up to 366 days
Choose Faye if…
- The Faye Forward example’s official primary medical limit (up to $250,000) and 75% CFAR terms fit, and you can cancel at least 48 hours before departure
- You are not a New York resident, and you will confirm that the plan you are quoted matches the Forward example rather than a lower-limit Faye plan
Faye’s coverage page is an example, not every Faye plan
Faye is unusually clear about this: the coverage details on the page we fetched “reflect an example of a U.S. resident traveling internationally who purchases our ‘Faye Forward’ plan at least three days before departure.” The FAQ on the same page gives ranges — medical $50,000 to $250,000, evacuation $250,000 to $1 million, delay $1,200 to $4,500 — and points to separate summaries for Faye First, Forward, Flagship and domestic plans, underwritten by more than one company. If your quote is not Faye Forward, do not use the example numbers in our table.
Who should skip this?
- Anyone looking for personalized advice or a scored winner. This is not insurance advice. We have not filed claims.
- New York residents shopping for Faye CFAR. Faye says CFAR is not currently available to New York residents. Allianz Cancel Anytime is not offered in all states either.
- Travelers who need 80% CFAR on a trip starting in under 30 days, or who may need to cancel inside 48 hours of departure. Allianz’s 30-day start rule and Faye’s 48-hour cancel rule can each block those cases.
- Readers comparing Travel Guard or annual plans. See Allianz vs Travel Guard and annual vs single-trip. We do not compare travel credit cards.
Frequently asked questions
Does Faye always include $250,000 of emergency medical coverage?
Which cancel-for-any-reason option reimburses more?
Is this a recommendation to buy either plan?
Do both plans offer a pre-existing-condition waiver?
What if I bought a Faye plan before June 2026?
Sources
Pricing and plan details were checked on the official pages below as of Nov 10, 2026. Vendors change prices, credits and plan names often, and some show regional pricing at checkout, so confirm on the vendor’s site before you buy.
- Allianz Travel: OneTrip Premier official plan page (fetched Nov 10, 2026) (allianztravelinsurance.com)
- Allianz Travel: Cancel Anytime official benefit page (fetched Nov 10, 2026) (allianztravelinsurance.com)
- Faye: official coverage page — Faye Forward example and plan-range FAQ (fetched Nov 10, 2026) (withfaye.com)
- Faye: official Cancel For Any Reason add-on page — 75%, 14 days, 48-hour cancel rule (fetched Nov 10, 2026) (withfaye.com)
- World Nomads USA: Time Sensitive Periods — another official CFAR structure used as related context (fetched Nov 10, 2026) (worldnomads.com)
Related
What Cancel for Any Reason Coverage Actually Is
Cancel for Any Reason is usually an optional, time-limited add-on, not a promise that you get all of your money back for any change of plans. On official US pages fetched November 10, 2026, Allianz Cancel Anytime can reimburse 80% if you buy within 14 days and the trip starts at least 30 days later; Travel Guard Deluxe optional CFAR lists 50% of insured trip cost with Early Purchase within 15 days; World Nomads Explorer lists 50% up to $5,000 (Epic 75% up to $11,250) within 7 days, not for New York residents; Faye lists up to 75% if you buy within 14 days and cancel at least 48 hours before departure, also not for New York residents.
comparisonAllianz vs Travel Guard Travel Insurance
On official US plan pages fetched November 10, 2026, Allianz OneTrip Premier lists emergency medical benefits of $75,000 and emergency transportation of $1 million, with optional Cancel Anytime reimbursement of 80% of unused prepaid costs if you meet a 14-day purchase window and the trip starts at least 30 days later. Travel Guard’s Deluxe plan lists medical expenses up to $150,000 and evacuation up to $1 million, with optional Cancel for Any Reason of up to 50% of insured trip cost if you buy within 15 days of the initial trip payment. Benefits vary by state. This is not insurance advice.
comparisonWorld Nomads vs Allianz Travel Insurance
On official US pages fetched November 10, 2026, World Nomads’ Explorer plan lists up to $10,000 trip cancellation, $150,000 emergency medical and $500,000 evacuation, plus optional cancel-for-any-reason reimbursement of 50% of non-refundable payments up to $5,000 if you buy within 7 days of the first trip deposit (not available to New York residents). Allianz OneTrip Premier lists up to $200,000 cancellation, $75,000 emergency medical and $1 million emergency transportation, with optional Cancel Anytime at 80% if you buy within 14 days and the trip starts at least 30 days later. This is not insurance advice.
guideAnnual vs Single-Trip Travel Insurance
On official US pages fetched November 10, 2026, Allianz AllTrips Premier is an annual plan with trip cancellation and interruption of $2,000 to $15,000 per policy per year, $50,000 emergency medical per trip, and a 90-day maximum trip length. Allianz AllTrips Basic has no trip cancellation or interruption benefit and excludes trips longer than 45 days. World Nomads’ Annual plan lists $5,000 trip protection, $100,000 medical and $100,000 evacuation, with a 45-day maximum trip length, versus 1–180 days on its Standard, Explorer and Epic single-trip plans. This is not insurance advice.