Why freely?
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 ocean or sea going cruise while overseas, you'll need to add our Cruise Cover Boost in order to be covered.
Cruising covered when Cruise Cover Boost added at an additional cost to the base policy.
To get cover 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.
Whether you're puttering around the Mediterranean or voyaging across the Canadian Arctic, cruises are a fabulous way to travel. To get coverage for ocean or sea going 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.
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 $1,000 by paying additional premiums.
When things go wrong overseas, travel insurance can be the unexpected hero of your trip. Freely's Overseas Explorer Plan offers coverage for medical and dental, emergency evacuation and repatriation, trip cancellation and amendment, and lost and delayed luggage.
If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, we will pay your estate the amount (provided your death occurs within one year of the accident).
If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).
Overseas medical expenses$Unlimited~
If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.
Overseas emergency dental$Unlimited~
If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.
Overseas emergency repatriation$Unlimited~
If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.
Existing medical conditionsLimits apply
Some existing medical conditions are automatically covered by our Explorer Plan (subject to the criteria outlined in the PDS). If your existing medical condition falls outside the criteria or isn’t on the list, we may still be able to provide cover for your condition subject to the outcome of a short medical assessment, an additional premium may apply.
Overseas emergency evacuation$Unlimited~
If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.
Accidental death$25,000
If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, if approved, we will pay your estate the amount (provided your death occurs within one year of the accident).
Disability$25,000
If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, if approved, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).
Trip cancellation and amendment$3,000
If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements.
Additional expensesLimits apply
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.
Travel delay expenses$2,000
If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we may provide cover for the related expenses you incur up to $2,000.
Resumption of journey$2,000
If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we may provide cover for the cost of resuming the journey up to $2,000.
Special events$2,000
If, due to an unforeseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we may pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.
Personal liability$3,000,000
If you become unintentionally legally liable to pay compensation for damage caused to someone, we may provide coverage of up to $3,000,000. Limits, sub-limits, conditions and exclusions apply.
Lost, stolen or damaged luggage$10,000
If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for your items or for repairing your items. The limit per item is $1,500.
Luggage delay$1,000
If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased.
Passport and travel documents$1,000
We may pay you for the cost of replacing travel documents and credit cards lost or stolen on the journey. We may also pay for your legal liability arising from their illegal use. You must, however, comply with all the conditions of the issue of the document prior to and after the loss or theft.
Lost or stolen money$600
If your cash, bank or currency notes, postal or money orders are accidentally lost or stolen on your trip, we can reimburse you for the cost of the loss.
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 add Daily Boosts on-the-go to get cover for activities, from motorbike riding to adventure sports.
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.
While river cruising is automatically included in Freely’s Explorer Plan (both domestic and international), travellers hopping on an ocean or sea going cruise for more than two nights (multi-night) in international waters must add our Cruise Cover Boost to the base policy at an additional cost, 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.
Seasickness is rarely a problem when you’re onboard a cruise ship due to their size and steadiness. However, if it’s something you’re prone to, ask if you can have a cabin on the lower level as close to the centre of the boat as possible. Refrain from having a heavy meal before you board the vessel for the first time, and avoid hitting the booze too hard. Your inner ear canal contains small crystals that are super sensitive to vibration and movement – and lying down to rest can help stabilise you if you feel dizzy or nauseous.
Respiratory illnesses (such as influenza and COVID-19) and gastrointestinal infections are the most commonly reported illnesses onboard cruise ships. Be sure to wash or sanitise your hands regularly, which we should all be good at by now! The buffet can be a bit of a breeding ground for bugs, too – as they thrive in foods kept at room temperature. Let the medical staff onboard know immediately if you start to feel unwell.
Even standing on the deck when it’s cloudy can expose you to high levels of radiation – let alone frolicking on exotic beaches or strolling through local towns licking an ice-cream cone. Cover up with long-sleeved clothing and top up your sunscreen every couple of hours. To avoid dehydration, drink lots of water!
.jpg)
