Adventure awaits beneath the waves
Heading underwater? From coral reefs to hidden treasures, there’s nothing like swimming alongside marine life. But before taking the plunge, it might be a good idea to think about getting travel insurance.
Scuba diving at 30-50m below the surface covered when Adventure Activities Boost added at an additional cost to the base policy.
If your perfect getaway involves fins, tanks, and the thrill of the deep, it’s worth making sure you know what cover is available under your insurance Our base policy provides cover forscubadivingunder certain conditions, and our Adventure Activities Boost can be added to your Explorer Plan (at an additional cost) to cover you for more.The Boost also includes cover for a range of activities that are not otherwise automatically covered by our Explorer Plan.
Scuba diving up to 30m is covered by our Explorer Plan, if diving with a diving school or qualified instructor.
Our Adventure Activities Boost provides cover for scuba diving if the maximum depth if between 30m and 50m below the surface, either with an accredited dive marshal, instructor or guide; or, if qualified, are diving within the guidelines of the relevant* diving or training agency and not diving alone.
If two adult travellers are on the same policy, we'll give you both access to a discount that will automatically be applied at checkout. Win-win!
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 a benefit that includes coverage for overseas medical and hospital expenses. And, if things go really wrong, we can help with emergency repatriation or evacuation to bring you home. Coverage for these costs are subject to claim approval.
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.
We offer benefits that can provide coverage to help fund the replacement or reimbursement of delayed, lost, stolen or damaged luggage. You can also increase the single-item limit for portable electronic gadgets, and ramp up your coverage for other specified items you won't travel without.
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).
If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.
If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.
If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.
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.
If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.
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).
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Always book your activities with a reputable activity provider with a strong safety track record. Look for certifications, reviews and adherence to international safety standards. Don’t hesitate to ask questions about the equipment, guides and safety measures before committing.
Before diving into any adventure, assess your fitness level and experience. Engage in activities that align with your skills and capabilities to ensure you’re not taking on more than you can handle.
If you’re feeling unwell, consider skipping or postponing an adventure activity. Pushing yourself while sick can increase the risk of injury or accidents. Prioritise your health and give yourself time to recover so you can enjoy your holiday to the fullest when you’re feeling better.
