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Medical travel insurance

Shield yourself from the cost of medical emergencies

Getting sick or injured when you're travelling is a real pain, but having travel insurance may help take away some of the sting. Medical and dental coverage comes with our Overseas Explorer Plan.

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Remember:

Here are some coverage highlights for medical travel insurance

While at home in Australia we have a good public healthcare system, other countries are not so fortunate. Not only can top medical assistance be difficult to access in certain parts of the world, but it can also be wildly expensive. For these reasons, it’s a great idea to consider taking out travel insurance with good medical cover, which comes as standard with our Overseas Explorer Plan.

Mental health

We can provide cover for several pre-existing mental health conditions, including depression and anxiety (provided you meet our criteria and haven't been hospitalised, required treatment or changed medication in the last 12 months).

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Only applies to Overseas Explorer Plan

Overseas medical and dental expenses

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

‍

Only applies to Overseas Explorer Plan.

Existing medical conditions

Freely automatically provides cover for a range of existing medical conditions (subject to the criteria in the PDS). For conditions that don’t meet the criteria for auto cover or conditions that are not automatically covered, you can complete a health assessment at the same time you purchase your policy. If approved, an additional premium may apply.

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:

You can buy your policy when you’re already on your trip – but there is a three-day no-cover period (you are not covered for these days). That’s why it’s a good idea to buy in advance, which will also cover you for pre-trip cancellation benefits.

Remember:

Cover for medical and emergency dental expenses is only available in our Overseas Explorer Plan.

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!

Get a quote

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

Disability$10,000

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.

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 add Daily Boosts on-the-go to get cover for activities, from motorbike riding to adventure sports.

See Trip Extras and Daily Boosts

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

Get flexible travel insurance and protection in minutes with freely!

Get a quote

Why consider travel insurance with overseas medical cover?

Accidents happen, but accessing medical support overseas as a traveller can be difficult and expensive. From a dog bite in Sri Lanka to a reef cut in Fiji, doctor and hospital fees can be very high, especially if you don’t have medical coverage.

This is where travel insurance can come in handy. In fact, according to Australian government website Smartraveller, travel insurance is “as important as a passport” if you’re heading overseas.

For travellers who have purchased our Overseas Explorer Plan and who become sick or injured while on their trip, we may provide cover for unexpected medical and hospital expenses (cover will not exceed 12 months from onset of illness or condition).

Travelling with Freely also gives you 24-hour access to our team of medical and emergency specialists, as well as live chat with the Freely support team from 7am–7pm AEST/AEDT every day.

Terms and conditions apply. For more detail, please read the PDS.

Does freely offer cover for existing medical conditions?

Yes, we do. Some conditions are automatically covered (subject to the criteria outlined in the PDS) by our Overseas Explorer Plan, while others need to be approved and may carry an additional premium. There are also existing medical conditions that we may not cover at all. 

To declare your existing medical conditions for a quote, follow the steps on our Existing Medical Conditions page.

Tips for buying travel insurance with medical cover

Here are some helpful tips to consider ...

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.

Read the PDS before buying travel insurance

PDS stands for product disclosure statement. It’s a document that financial service providers (including travel insurance companies) publish so that customers fully understand what they’re purchasing. Freely’s PDS includes information about how our travel insurance policies work: the benefits, conditions and exclusions, as well as our complaints-handling procedure – among other things.

Think about what medical cover or assistance you might want

If you’re heading overseas, you might want to consider getting travel insurance that includes medical cover in case you get sick or injured. You may want to consider a policy that also includes access to medical and emergency assistance for when you’re overseas.

Why freely?

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

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

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

Still got questions?

See all FAQs

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Frequently asked questions

Product Disclosure Statement

Target Market Determination

Promotion and competition 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.

© 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.

Medical travel insurance

Shield yourself from the cost of medical emergencies

Here are some coverage highlights for medical travel insurance

Mental health

Overseas medical and dental expenses

Existing medical conditions

How freely works

Start with our Explorer Plan

Add Trip Extras

Turn on Daily Boosts

First time purchasing travel insurance on an app rather than a browser and it was easy to use and pick add ons. Would recommend.

What's covered?

Cover for medical

Cover for your trip

Cover for your gear

Cover for your health

Accidental death$10,000

Disability$10,000

Cover for medical

Overseas medical expenses$Unlimited~

Overseas emergency dental$Unlimited~

Overseas emergency repatriation$Unlimited~

Existing medical conditionsLimits apply

Overseas emergency evacuation$Unlimited~

Accidental death$25,000

Disability$25,000

Cover for your trip

Trip cancellation and amendment$5,000

Additional expensesLimits apply

Travel delay expenses$2,000

Resumption of journey$2,000

Special events$2,000

Personal liability$3,000,000

Cover for your stuff

Lost, stolen or damaged luggage$10,000

Luggage delay$1,000

Passport and travel documents$1,000

Lost or stolen money$500

Cover for medical

Accidental death$10,000

Disability$10,000

Cover for your trip

Trip cancellation and amendment$5,000

Additional expenses$10,000

Travel delay expenses$2,000

Resumption of journey$2,000

Special events$2,000

Personal liability$200,000

Cover for your stuff

Lost, stolen or damaged luggage$10,000

Luggage delay$1,000

Lost or stolen money$500

Need extra coverage for your trip?

Why consider travel insurance with overseas medical cover?

Does freely offer cover for existing medical conditions?

Tips for buying travel insurance with medical cover

Be sure to declare all of your existing medical conditions

Read the PDS before buying travel insurance

Think about what medical cover or assistance you might want

Why freely?

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

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

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

Still got questions?

Explore these great reads