Why do I need travel insurance?

Travel insurance is important because it provides protection and assistance in case unexpected events occur during your trip. It can cover a wide range of situations such as medical emergencies, trip cancellations or interruptions, lost or stolen belongings, and even emergency medical evacuation while you're travelling. Yes, it's an extra cost – but the cost of not having insurance can often be a lot higher.

How do I get a quote on your website?

To get a quote on our website, follow the steps below: On the homepage, select 'Get a quote', Follow the prompts by entering your travel information, Select the relevant Trip Extras and Daily Boosts for your trip, If you're happy with your quote, you can continue by selecting 'Buy Now'

How do I get a quote on the Freely app?

To get a quote on the Freely app, follow the steps below: Download and install the Freely app from the Apple App Store or Google Play Store, Open the Freely app on your mobile device, If prompted, select your country of residence, Tap on the 'Get a quote' button on the app's main screen, Fill in the required information, such as your travel details and personal information, Submit the form to receive a quote. Please note that the specific steps may vary slightly depending on the version of the app and your device's operating system.

Can I still use Freely without downloading your app?

Yes, you can get a quote and buy a Freely policy through our website, without downloading the Freely app. But to be able to access and adjust your policy – and to toggle Daily Boosts on and off – you will need to download the Freely app.

I'm already travelling and forgot to buy insurance. Can I buy it now?

Yes, you can buy a policy while you're already travelling. However, please note that there is no cover under any section of the policy for any event that has occurred already or that arises within the first 3 days of buying the policy while you're travelling.

Is there a cooling-off period in case I change my mind?

Yes, Freely offers a 21-day cooling-off period. If you cancel your policy within 21 days of the original date of issue, you may be eligible for a full refund. If you cancel your policy outside of the cooling-off period, you may receive a partial refund.

Do you provide COVID-19 cover?

Yes, Freely offers COVID-19 coverage in our Domestic and Overseas Explorer Plans such as: Pre-departure cancellation, Illness or hospitalisation (Overseas Explorer Plan only), Repatriation (Overseas Explorer Plan only). Please note that the specific coverage and conditions may vary depending on the policy type and other factors.

Do you cover existing medical conditions?

Yes, we offer cover for a range of existing medical conditions. We ask all travellers to declare existing medical conditions when getting a quote. Some conditions are automatically covered by our Explorer Plan, while others may require you to answer a few questions about your condition/s in an online health assessment. This helps us to determine whether we can cover your condition/s or not. Please note that adding cover for an existing medical condition may carry an additional premium.

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Get a quote, boost your policy, make claims and more.

App features

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Get a quote

Booking a trip? Get a quote in minutes with the Freely app for your next adventure.

Make a claim

We know accidents can sometimes happen while you're away, so we’ve made it easier to start a claim within the Freely app.

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Add Daily Boosts

For example, if you unexpectedly get the chance to go skiing, you can use our app to add a Snow Sports Boost – in real time!

Snow Sports

Pay per day

Extra Cancellation

Pay per trip

Specified Items

Pay per trip

Cruise Cover

Pay per day

Motorcycle or Moped Riding

Pay per day

Rental Vehicle Insurance Excess

Pay per day

Adventure Activities

Pay per day

Gadgets

Pay per trip

Safety alerts

With a built-in SOS feature, you'll receive geo-specific safety alerts in near-real time.

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Medical and emergency assistance

Get in-app support while you're on your trip with 24/7 access to telehealth and our medical and emergency specialists.

Only applies to Overseas Explorer Plan.

Chat support

Got questions? Get help by speaking with our support team via live chat everyday 7am–7pm (AEST/AEDT).

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Telehealth

Coming down with something? Ran out of medication? Access 24/7 telehealth, with e-script capabilities in over 70 countries and across dozens of languages.

Only applies to Overseas Explorer Plan.

Still got questions?

Answers to some of the most common queries we get are outlined below, but if you're still scratching your head over something Freely-related, jump across to our FAQs page and see if it's been answered.

See all FAQs

Fast, flexible and secure payment options

Frequently asked questions

Product Disclosure Statement

Target Market Determination

Promotion and competition Terms & Conditions

Freely Travel Rewards Terms & Conditions

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Freely acknowledges the Traditional Custodians of Country throughout Australia and recognises their continuing connection to land, sea and community. We pay our respect to Elders past, present and emerging, and extend that respect to all Aboriginal and Torres Strait Islander peoples today. Always was, always will be Aboriginal land.

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© Copyright 2024 | Freely is backed by Cover-More, a Zurich Company.

Limits, sub-limits, conditions and exclusions apply. Freely is a brand of Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713), who administers the Freely Travel Insurance Product and Cancellation plan on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance. For information on the Target Market and Target Market Determination for this product, visit our TMD page.

^ For further information please visit our Promotion and Competition Terms & Conditions.