What's covered?
We've simplified travel insurance with our bundled Explorer Plan that you can build upon with extra coverage. This way, you only pay for the coverage you need on the days you actually need it.
Although our Overseas Explorer Plan automatically covers you for river cruising and cruises that don't leave Australian Coastal Waters, if you're jumping on a multi-night sea cruise while overseas, you'll need to add our Cruise Cover Boost in order to be covered.
Whether you're puttering around the Mediterranean or voyaging across the Canadian Arctic, cruises are a fabulous way to travel. To get coverage for sea cruises outside of Australia that are longer than two nights (multi-night), you’ll need to add our Cruise Cover Boost to your Explorer Plan (at an additional cost), from the day you board until the day you disembark.
If you fall ill with COVID-19 before or on your trip, you may be able to claim the cost of additional accommodation and expenses because of it. Sub-limits and a special excess apply.
With our Cruise Cover Boost, we may reimburse you for onboard medical or ship-to-shore medical expenses.
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we may provide cover for the additional expenses you incur.
To get coverage on your multi-night ocean or seagoing cruise, it is mandatory to add our Cruise Cover Boost for all days you’re onboard, from the day you board to the day you disembark.
We've made buying travel insurance easier by bundling medical, trip and belongings cover in our single Explorer Plan. Get a quote and buy your policy in minutes.
If you need additional coverage for your trip or favourite gadgets, you can build upon the Explorer Plan by adding any of our Trip Extras.
Last-minute ski trip? Need a rental vehicle or motorcycle for the day? Embrace spontaneity and toggle on additional activity coverage for the days you need it.
We've simplified travel insurance with our bundled Explorer Plan that you can build upon with extra coverage. This way, you only pay for the coverage you need on the days you actually need it.
We provide coverage for overseas medical expenses, including hospital expenses for approvable claims. If things go really wrong, we can help with emergency repatriation or evacuation to bring you home.
Only applies to Overseas Explorer Plan
If you need to amend, delay or cancel your trip, we can help smooth out bumps in your travel plans. You can even increase your cancellation coverage in increments of $1,000 by paying additional premiums.
Build on your Explorer Plan by adding Trip Extras to get greater protection for your personal belongings, and enhanced delay and cancellation coverage. You can also toggle on Daily Boosts to get coverage for certain activities, from motorbike riding to adventure sports – and toggle them off when your plans change!
After several years under a COVID-19 cloud, the cruise industry has bounced back, with cruise lines implementing new health measures to ensure the safety of their passengers. This is great news, because life on the water is an unparalleled experience!
Though river cruising is automatically included in Freely’s Explorer Plan (both domestic and international), travellers cruising for multiple nights on seas and oceans in international waters need to add Freely’s Cruise Cover Boost. This is an additional premium that you will pay for on top of your Overseas Explorer Plan. To get coverage, you need to select the Cruise Cover Boost for the entire duration of the journey: from the day you board to the day you disembark.
As a cruise passenger, there are many things you can do to make sure you stay in tip-top health for the duration of your journey. In the months leading up to leaving the shore, build up your immune system with diet, exercise and rest. If you have a chronic illness, check in with your doctor six-to-eight weeks before you set sail to check you are fit enough to travel, find out what vaccinations you may need and work out how you’re going to manage your medication.
Pack a little medical kit for minor ailments (think bandaids, burn cream, antiseptic ointment, antifungal cream and the like), and ask your doctor if there are any extra medications – such as antibiotics – that you might need to self-treat certain conditions. If you become unwell on the ship, seek medical advice immediately.
River cruising is automatically covered in our Explorer Plan – meaning that if you are jumping on a river cruise on your next trip, even if it’s multi-night, there’s no need to add our Cruise Cover Boost. This goes for both our Domestic Explorer Plan (if you are cruising Australian river systems) and our Overseas Explorer Plan (if you are cruising international river systems). You only need to add Freely’s Cruise Cover Boost if you are going on a multi-night ocean or sea-going cruise.
Yes, if you purchase Freely’s Cruise Cover Boost, COVID-19 coverage is included – whether it’s related to pre-trip cancellations, on-trip medical expenses or trip amendments due to you being diagnosed with COVID-19.
Please note there is no cover for Cruise Cabin Confinement costs related to COVID-19, whether or not you are diagnosed with COVID-19.
Yes, as long as you add our Cruise Cover Boost to your base policy an additional cost, from the day you board to the day you disembark.
Our Cruise Cover Boost provides travellers in international waters with unlimited medical and dental coverage for up to 12 months from the onset of illness or injury. This includes onboard medical and dental, ship-to-shore medical and sea sickness cover.
Major cruise ships have medical facilities on board, so if you need attention, you’ll always be able to access help – and the staff will use their discretion to decide when you need to be transferred to a health facility at port.
If you do end up receiving treatment from medical staff on board your cruise, you might have to pay for it up front – but if you have Freely’s Cruise Cover Boost and have satisfied all the criteria laid out in the PDS, you may be able to make a claim to seek reimbursement afterwards.
If you're adding a Daily Boost before you leave, you will see an option to purchase this when you're buying your Freely policy.
If you're adding a Daily Boosts while you're away, you'll need follow these steps using the Freely app:
If the change was made successfully, you will receive an updated Certificate of Insurance via email to your nominated email address.
To extend the duration of your policy, you will need to use the Freely app. The steps to extend duration of your trip:
If the change was successful, you will receive an updated Certificate of Insurance via email to your nominated email address.
You can easily file a claim within the app. Navigate to your trip by tapping "My Trips" at the bottom of the screen. Then tap "make a claim" on your selected trip and follow the flow.
If you don't have the app, to file a claim with Freely, you can follow these steps:
Once your claim has been submitted, you will receive an email with your claim number. Please allow up to 10 business days for our Claims Team to assess your claim and reach out to you.