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.
Freely offers policies for both domestic and international travel, so whether you're heading overseas or keeping it local, we can offer you an extra layer of protection.
Whether you’re roadtripping Australia's east coast, eating your way around Mexico or skiing in the Japanese alps, despite your best intentions, things can go wrong when you travel. Our single-trip policy offers benefits whether you're travelling domestically or internationally, be it for pleasure or necessity.
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
With the Freely app, you'll get 24/7 access to medical and emergency specialists, and location-targeted safety alerts designed to keep you safe.
If your passport or important travel documents get lost or stolen, we may reimburse you for the cost of replacing them.
Only applies to Overseas 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.
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.
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.
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. Planning to ski in Japan? Want to rent a car in New Zealand? You can add extra coverage for activities before you go – or while you’re away!
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).
If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.
If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.
If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.
If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.
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).
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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.
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.
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.
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.
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 toggle on Daily Boosts to get coverage for certain activities, from motorbike riding to adventure sports – and toggle them off when your plans change!
Travel insurance provides coverage for unexpected mishaps when you're travelling. If you’re heading off on a single trip, it’s a good idea to consider adding this layer of protection in case things go wrong – such as medical emergencies in Bali or lost luggage in Japan. Travel insurance providers such as Freely offer policies to cover all kinds of activities: from skiing and snowboarding to simply exploring a city.
Regardless of the travel insurance provider you choose, it's important to read the PDS (that‘s the product disclosure statement) before making a purchase. This is a document that outlines what is and isn't covered by that particular policy.
If you’re heading off on a trip overseas, the Australian Government website Smartraveller considers travel insurance “as important as a passport”. This is to counter some of the financial risks associated with travelling – such as getting sick and needing to be hospitalised, or having your travel plans derailed by a natural disaster.
Freely is a travel insurance and safety app that provides coverage for a range of scenarios that may arise when you’re on the road – whether you’re overseas or travelling domestically. Those travelling with Freely can enjoy 24/7 access to medical and emergency specialists, live chat with our team (7am–7pm AEST/AEDT) and the ability to add extra coverage on-the-go using the Freely app.
Though it’s best to get your travel insurance with Freely sorted before you head off on your trip – as that gives you access to benefits like pre-trip cancellation coverage – it is possible to purchase a policy from the airport as you’re leaving, or even when you are already travelling.
Just keep in mind that if you’re already on the road when you make a purchase, we have a three-day no coverage policy.
Here are some helpful tips to consider ...
Head to Australian Government website Smart Traveller to read the travel advice for all the destinations you plan to visit. The site is updated regularly with information about natural disasters, political unrest and other crises that may impact travellers. You can also subscribe to keep up-to-date with any changes.
Give someone back home a detailed itinerary, and make a plan to keep in touch regularly.
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 key benefits, conditions and exclusions, as well as our complaints-handling procedure – among other things.
