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Existing medical conditions

Get cover for your existing medical conditions

At Freely, we understand that some travellers may have existing medical conditions, which is why we offer coverage for a range of conditions. Some conditions are automatically covered by our Explorer Plan, while others need to be approved and may carry an additional premium.

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Important information about our cover for 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. These are the steps to declare your existing medical condition:

Get a quote

When getting a quote using the Freely website or Freely app, you will be asked if any travellers on your policy have existing medical conditions to declare.

Declare your existing medical condition

If you are declaring an existing medical that is not automatically covered, you will complete a short online health assessment. Once complete, we will inform you which conditions we can cover and which we cannot.

Accept or decline cover for your existing medical condition

For existing medical conditions that we approve, you can choose to add additional cover to your base policy (premiums may apply). If we cannot provide cover, you can choose whether to proceed with a Freely policy that excludes cover for your existing medical conditions.

Keep scrolling down to see the full coverage

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD.

Helpful Tip:
Need help declaring your existing medical conditions? Please contact our customer support team on 1300 772 183 or team@gofreely.help.
Remember:

If you want to cover an existing medical condition that isn’t automatically covered by our Explorer Plan, you’ll need to complete an online health assessment. We will only provide cover for existing medical conditions that meet the criteria set out in the PDS.

We cannot provide cover for claims arising from travel booked or undertaken against the advice of any medical practitioner.

How Freely works

Start with our Explorer Plan

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.

Add Trip Extras

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.

Turn on Daily Boosts

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.

The flexible travel insurance app that lets you explore Freely!

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.

Cover for medical

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

Cover for your trip

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.

Cover for your gear

We offer 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.

Overseas
Domestic
Overseas Explorer Plan

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.

Cover for your health

Accidental death$10,000

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).

Disability$10,000

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).

Cover for medical

Overseas medical expenses$Unlimited~

If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.

Overseas emergency dental$Unlimited~

If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.

Overseas emergency repatriation$Unlimited~

If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.

Existing medical conditionsLimits apply

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.

Overseas emergency evacuation$Unlimited~

If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.

Accidental death$25,000

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).

Disability$25,000

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).

Cover for your trip

Trip cancellation and amendment$5,000

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.

Additional expensesLimits apply

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.

Travel delay expenses$2,000

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.

Resumption of journey$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.

Special events$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.

Personal liability$3,000,000

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.

Cover for your stuff

Lost, stolen or damaged luggage$10,000

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 $750.

Luggage delay$1,000

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.

Passport and travel documents$1,000

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.

Lost or stolen money$500

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.

Domestic Explorer

It's easy to assume that travel insurance is only necessary for overseas holidays – but travelling domestically within Australia's borders carries many of the same risks! Freely offers coverage for all domestic travel: from the bustling hubs of Sydney and Melbourne to more regional, nature-based destinations such as Tasmania and the Gold Coast.

Cover for medical

Accidental death$10,000

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).

Disability$10,000

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).

Cover for your trip

Trip cancellation and amendment$5,000

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.

Additional expenses$10,000

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.

Travel delay expenses$2,000

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 can provide cover for the related expenses you incur up to $2,000.

Resumption of journey$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 can provide cover for the cost of resuming the journey up to $2,000.

Special events$2,000

If, due to an unforseeable 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 will pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability$200,000

If you become unintentionally legally liable to pay compensation for damage caused to someone else's property or for the injury or death of someone, we may provide coverage of up to $200,000.

Cover for your stuff

Lost, stolen or damaged luggage$10,000

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items. The limit per item is $750.

Luggage delay$1,000

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.

Lost or stolen money$500

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.

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD. ~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.

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Need extra coverage for your trip?

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!

Get flexible travel insurance and protection in minutes with Freely!

What is an existing medical condition?

An existing medical condition is any health issue you already had before you bought your travel insurance. This could be a disease, an illness, a dental condition, a medical condition or a physical impairment.

At Freely, we consider your health issue an existing medical condition if any of the following criteria are met:
 
• You’ve visited an emergency department, been hospitalised or had day surgery in the past 12 months due to the condition; 

• You need prescription medicine from a qualified medical practitioner (such as a doctor), regular check-ups, ongoing medication or have to see a specialist about the condition;

• Your medical records show that you’ve had cancer or have problems with your brain, heart, kidneys, liver or respiratory system; 

• You’ve had surgery involving the abdomen, back, joints or spine that required at least an overnight stay in hospital; or

• Your condition is medically documented as chronic, ongoing, under investigation, pending diagnosis or pending test results. 

For full details on how we define existing medical conditions, please read the PDS. If you have questions, contact our customer support team.

Why it’s important to declare your existing medical conditions

If you choose not to declare any existing condition/s that are not automatically covered by our Explorer Plan, your policy may not include cover for claims relating to – or exacerbated by – your existing medical conditions.

To get cover for existing medical conditions that are not automatically covered, you need to declare these in our online health assessment (additionally, Freely must agree to provide cover for the conditions you’ve declared).

Existing medical conditions that are automatically covered

Our PDS outlines each existing medical condition that we automatically provide coverage for (listed under ‘Existing medical conditions we automatically include’), along with the criteria you must meet in order to be covered.

 

As a general rule, you cannot have been hospitalised or required medical treatment for your condition in the past 12 months; you cannot be under or awaiting investigation; and you cannot be waiting on surgery, treatment or a procedure for that condition.  

 

Travellers who don’t meet the criteria will need to complete our online health assessment and declare all their conditions, including those we automatically include.

 

For full details on which existing medical conditions are automatically covered, please read the PDS. If you have questions, get in touch with our customer support team.

Top tips for travellers with existing medical conditions

Here are some helpful tips to consider ...

1

Be sure to declare all of your existing medical conditions

When getting a quote, click ‘Yes’ when asked if you have any existing medical conditions. You’ll then be guided to complete the online health assessment, which will enable us to determine whether we can cover your existing medical condition or not.

2

If your condition isn’t approved, consider if you want to travel with Freely anyway

If your existing medical condition isn’t approved or you don’t meet the criteria for it to be covered, you can still buy a Freely policy. However, in that case, keep in mind that we won’t cover claims that in any way relate to, or are exacerbated by, your existing medical condition.

3

Read and understand the policy

Carefully go through the policy's Product Disclosure Statement (PDS) to grasp the details of your coverage. If you have any questions, don't hesitate to reach out to our customer support team – we're here to help.

Why Freely?

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

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

Get 24/7 support in-app with access to our medical and emergency specialists.

Giving back to people, places and the planet

Still got questions?

How do I declare an existing medical condition?
What existing medical conditions are automatically covered? 
What happens if I don’t declare my existing medical condition?
I forgot to declare my existing medical condition. What do I do?
Can Freely still cover me if my existing medical condition isn’t approved?
Can Freely still cover me if I choose not to purchase additional cover for my existing medical condition?
Do I need to upload documents as part of the online health assessment?
I’m already overseas. Can I get apply for existing medical condition cover now?
My medical condition hasn’t been diagnosed yet. Can you cover me?

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