Exploring Antarctica with Terra Nova Expeditions? Get overseas medical, trip and luggage cover, plus 24/7 access to our medical and emergency specialists.
Add our Cruise Trip Extra and use code TNE15 at checkout for 15% off your Freely travel insurance policy!
Keep it simple or go all out with our flexible travel insurance plans. Only pay for the extra cover options (Trip Extras) on the days you need it, enjoy 24/7 emergency assistance, live chat support and easy-to-submit claims. Plus, all our plans include cover for 75+ adventure activities automatically.
~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.
Discount applies to new Freely travel insurance policies quoted and paid for between 00:00 AEST on 18 March 2026 and 23:59 AEDT on 17 March 2027. Not available with any other offer. The discount applies to the total premium paid, inclusive of any variations or amendments to cover and is applied before taxes. Limits, sub-limits, conditions and exclusions apply. Any advice is general advice only. Issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider the Combined FSG/PDS and the TMD before deciding if the product is right for you.
To get cover on your multi-night ocean or seagoing cruise, it is mandatory to add our Cruise Cover Trip Extra for all days you’re onboard, from the day you board to the day you disembark.
Freely is flexible, award-winning travel insurance in the palm of your hand. All our plans includes overseas medical, trip and luggage cover, plus optional-add ons (Trip Extras) so you only pay for what you need, while enjoying live chat support, easy-to-submit claims and 24/7 access to medical and emergency specialists from our app.
Choose the plan that fits your trip, get a quote and buy your policy in minutes.
To get coverage for multi-night ocean or sea cruises outside of Australia, you’ll need to add our Cruise Trip Extra to your overseas plan (at an additional cost), from the day you board until the day you disembark.
From polar plunging to paddle boarding, cover for a range of activities is automatically covered in our plans. For more details, be sure to read the PDS, and if your activity is not listed please check with us!
Booking a trip? Get a quote in minutes with the Freely app for your next adventure.
We know accidents can sometimes happen while you're away, so we’ve made it easier to submit a claim with the Freely app.
For example, if you unexpectedly get the chance to go skiing, you can use our app to add a Snow Sports Trip Extra – in real time!
With our built-in SOS feature, you'll receive geo-specific safety alerts in near real time.
Get in-app support while you're on your trip with 24/7 access to telehealth and our medical and emergency specialists.
Got questions? Get help by speaking with our support team via live chat every day 7am–7pm (AEST/AEDT).
Build on your plan by adding Trip Extras to get on-the-go cover for activities, from motorbike riding to adventure sports, as well as greater protection for your personal belongings and enhanced cancellation and amendment coverage.
While river cruising is automatically included in our plans (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 Trip Extra 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.
Over 75 activities are automatically covered by our Essentials, Explorer and Explorer Pro plans. Here's a snapshot:
• Abseiling, Jet skiing, archery, kayaking, ballooning, paragliding
• Bungy jumping, parasailing, flying fox, snorkelling, horse riding
• White water rafting, jet boating, banana boating, surfing, sail boarding
• Safari (organised tours), off road or 4WD driving (organised tour)
• Mountain biking (not BMX racing), working holidays, scuba diving (up to 30m) if diving with a diving school or qualified instructor
Please refer to the PDS for the full details of the coverage we provide. Please note that we will not pay claims involving your participation in any activity in a professional capacity.
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!
