Copy code and apply at checkout
T&Cs apply
Copy
Copied

Travel insurance when you’re already overseas

300k
Aussies Covered
24/7
Emergency Assistance
App Store
Rated 4.8 / 5 stars

Cover purchased after you have left Australia is subject to a 3 day no-cover period from the time of purchase.

Remember:

What freely covers when you’re already overseas

It happens — you've landed, you're settled in, and you realise you never sorted cover. You can still buy a Freely policy after you've left Australia, with one important condition: a 3-day no-cover period applies from the time you buy.

Overseas medical and dental expenses

If you get sick or injure yourself overseas, you may be able to claim unlimited medical expenses incurred overseas. Cover will not exceed 12 months from onset of illness or condition.

Emergency evacuation and repatriation

If necessary, we'll help with emergency evacuation or repatriation to bring you home. Only applies to our overseas plans.

24/7 emergency assistance and safety alerts

With Freely, you'll get 24/7 access to medical and emergency specialists, telehealth and geo-specific safety alerts designed to keep you safe.

Helpful Tip:
Remember:

If you buy a policy after leaving the Australian air or sea terminal that is the departure point for your overseas journey, your cover is subject to a 3-day no-cover period. That means there is no cover under any section of the policy for an event that has already occurred, or that arises within the first 3 days of buying the policy. Buying before you fly avoids it. See the PDS for full conditions.

Find the right cover for your trip

Already on your trip? All our overseas plans include medical expenses cover, your choice for trip cancellation cover and varying luggage cover limits as standard.

Overseas
Domestic
budget

Essentials

Just the basics.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$3,000
(or cover chosen)#
LuggageΔ
$5,000^
Travel delay
$500^
Rental vehicle excess
COMPREHENSIVE

Explorer

The all-rounder.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$5,000
(or cover chosen)#
LuggageΔ
$10,000^
Travel delay
$2,000^
Rental vehicle excess
$5,000
COMPREHENSIVE +

Explorer Pro

Fully loaded.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$10,000
(or cover chosen)#
LuggageΔ
$15,000^
Travel delay
$3,000^
Rental vehicle excess
$10,000
budget
Essentials
Just the basics.
Cancellation
$1,000
(or cover chosen#
Additional expenses
$10,000^
LuggageΔ
Special events
Rental vehicle excess
COmprehensive
Explorer
The all-rounder.
Cancellation
$2,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$5,000^
Special events
$1,500^
Rental vehicle excess
$5,000
COMPREHENSIVE +
Explorer Pro
Fully loaded.
Cancellation
$3,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$10,000^
Special events
$2,000^
Rental vehicle excess
$8,000

~ 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.

Need extra cover while you're away?

Build on your travel insurance plan by adding Trip Extras to get pay-per-day cover for activities like skiing, motorcycle riding and adventure sports, as well as increased limits for your valuable items and extra cancellation cover.

Why choose freely

A car driving down a snowy road lined with snow covered trees

Only pay for the extra cover you need on the days you actually need it.

Hand holding a smartphone displaying the Freely app screen with a person swimming in the water, with a crowded beach and rocky shoreline in the background.

Update your policy on your trip so you can embrace travel spontaneity.

Person wearing a beanie and scarf looking at a phone at sunset with mountain silhouettes in the background.

Get 24/7 access to our medical and emergency specialists.

1% For The Planet member logo in white on transparent background.
Giving back to people, places and the planet

Already overseas travel insurance FAQs

When should I buy travel insurance?

Is it too late to buy travel insurance once I've booked my trip?

If I'm already overseas on a long trip, can I extend my Freely policy without coming home?

When is the best time to buy travel insurance?

What is not covered by Freely travel insurance?