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.
It’s no news that Europe is a popular destination for Australians, whether you like slurping spaghetti in Italy, sailing in Croatia or skiing* the slopes of Georgia. But from baggage mishandling to pickpocketing, things happen – so it’s a great idea to consider getting travel insurance. We can help with that.
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!
We get it. Europe is consistently ranked as the safest continent in the world – so why bother getting travel insurance?
Despite its ranking, though, anything can happen on your trip to Europe, including having your valuables stolen, losing your passport or getting sick – mishaps that can be super expensive to deal with while you’re overseas.
Dealing with the fallout of unfortunate events like this adds a whole extra layer of stress to your travels – both financial and emotional. This is why travel insurance can really come in handy.
In fact, the Australian Government considers travel insurance “as important as a passport” when you head overseas, regardless of how safe Europe can be.
Europe is known for its high-quality healthcare systems, but medical expenses can still be super expensive, especially for visitors.
Most countries won’t provide travellers with free or subsidised health care; instead, you will usually need to pay the full price. This is where travel insurance can really come in handy – and provided all the terms and conditions of your policy are met, your insurer may cover you for those expenses.
According to the Australian government’s Smartraveller website, medical assistance is usually the highest unexpected cost Australians face overseas. Having travel insurance with appropriate medical cover ensures that you may be financially protected in case of unexpected illnesses or accidents, including the cost of repatriation.
Travelling with a Freely policy will also give you 24-hour access to a team of medical and emergency specialists, as well as telehealth with e-script capabilities in over 70 countries and across dozens of languages.
For more detail, be sure to read the PDS.
Choosing travel insurance for your trip to Europe is an individual decision that varies from person to person. We always encourage travellers to read the PDS in full to ensure they understand what is and is not covered.
Some things to consider might be any pre-existing medical conditions you have, any adventure activities you want to do, the duration of your trip, your budget and who you are travelling with. Be sure to check how much the excess costs too, which is the amount that will be deducted from your payout in the case you have a successful claim processed.
Medical coverage tends to be very important for Australians travelling overseas, so look out for this when shopping for travel insurance. Subject to terms and conditions, Freely offers cover for overseas medical, overseas emergency dental and overseas repatriation and evacuation.
Plus, our travellers get access to 24-hour medical and emergency assistance, as well as telehealth access with e-script capabilities in over 70 countries.
For more detail, be sure to read the PDS.
Yes, our Rental Vehicle Insurance Excess Boost may provide protection against some hefty excess bills if your rental vehicle is in an accident, gets stolen or is vandalised. To be eligible for cover, you need to add this Boost to your base policy at an additional cost for all the days you are renting the vehicle.
The Boost works like this: when you hire a rental vehicle, you must take out comprehensive insurance on the rental vehicle with the rental company – and you must be the nominated driver.
If the rental vehicle is damaged or stolen while in your control (for the days you have our Rental Vehicle Insurance Excess Boost toggled-on), we may pay the lower of the rental vehicle insurance excess or the repair costs to the rental vehicle that you become liable to pay.
Terms and conditions apply. For more detail, be sure to read the PDS.
Yes, our Explorer Plan may respond as it includes coverage for loss, theft or damage to your luggage – and we also offer coverage for lost or stolen money up to the value of $500 AUD.
In many parts of Europe, travellers can get pickpocketed, robbed or mugged. It’s not a great experience but the Freely team can help you 24-hours a day if it happens to you (via the Freely app or by calling our emergency assistance number).
If your things are stolen, you need to report it to Freely (and the local authorities wherever you are) as soon as possible (within seven days). A copy of the relevant report needs to be submitted when you make a claim. As always, we will carefully review your claim to see if it qualifies for coverage and meets the terms and conditions of your policy.
For more detail, be sure to read the PDS.
Yes, our Explorer Plan includes cover for luggage that is lost or damaged by your transport provider as a benefit. We may reimburse you for the cost of your bag and its contents (limits apply and depreciation may apply).
You can purchase additional coverage for your belongings with our Gadget Trip Extra and Specified Items Trip Extra.
All cases of loss need to be reported to the transport provider (whether that’s an airline, bus company, train service or similar) as soon as possible (within seven days).
You’ll need to then submit a copy of the relevant report to us when you make a claim. For more detail, be sure to read the PDS.
Yes, we may provide cover for skiing and snowboarding in Europe, but you need to add our Snow Sports Boost to your base policy at an additional cost for all the days you’ll be on the snowfields.
Once you’ve added and paid for our Snow Sports Boost, Freely offers cover both on and off-piste, as long as you adhere to local advice and warnings. Additionally, we offer cover for heli-skiing and boarding when you're part of a guided tour with a licensed operator.
The best part? You only have to add our Snow Sports Boost on the days you're skiing or snowboarding, meaning you only pay for the extra premium on the days you actually need it.
For more detail, be sure to read the PDS.
Yes, our Explorer Plan may provide medical cover in Europe (terms and conditions apply). If you become sick or injured 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.
Our travellers also get 24-hour access to our team of medical and emergency specialists in the case you fall sick or are injured.
For more detail, be sure to read the PDS.
Yes, provided you have selected your departure date as your travel insurance policy start date, your entire journey from Australia to Europe will be covered.
This will include any layovers or stopovers you make in other countries on the way to Europe, even if you haven’t selected those places as destinations.
That’s because we automatically cover all layovers that are less than 72 hours.