Why freely?
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.
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.
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.
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).
Only applies to Overseas Explorer Plan
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.
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.
Cover for medical and emergency dental expenses is only available in our Overseas Explorer Plan.
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 $1,000 by paying additional premiums.
When things go wrong overseas, travel insurance can be the unexpected hero of your trip. Freely's Overseas Explorer Plan offers coverage for medical and dental, emergency evacuation and repatriation, trip cancellation and amendment, and lost and delayed luggage.
If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, we will pay your estate the amount (provided your death occurs within one year of the accident).
If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).
Overseas medical expenses$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).
Trip cancellation and amendment$3,000
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.
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 $1,500.
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$600
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.
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.
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.
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.
