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Family travel insurance

Family vacations are always a trip to remember

Exploring the world as a family – or simply unwinding together somewhere special – is a beautiful way to make memories. With Freely, accompanied children and grandchildren under the age of 21 are covered for free, making us a great travel insurance option for adventuring families.

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Here are some coverage highlights for family travel insurance

Whether you're visiting relatives overseas, vacationing somewhere tropical or immersing the kids in another culture, family holidays tend to be a rather large logistical affair! With this in mind, here are some benefits of Freely that may make your next trip that little bit less stressful.

Children and grandchildren are included at no extra cost

Accompanied children and grandchildren under the age of 21 are covered under the policy of their travelling guardian (as long as the children are travelling with you for the entire duration of the journey, are included in the policy, are not in full-time employment and are financially dependent on the guardian).

Emergency evacuation and repatriation

If necessary, we'll help with emergency evacuation or repatriation to bring you home.

Only applies to Overseas Explorer Plan.

Unexpected additional expenses

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.

Keep scrolling down to see the full coverage

Accompanied children means your children or grandchildren who are identified on the Certificate of Insurance and travelling with you on the journey, provided they are not in full-time employment, they are financially dependent on you and they are under the age of 21 years. Cancellation policy benefits shared among all travellers on the one policy. 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:
Remember:

To receive coverage when travelling overseas as a family, please keep in mind that all family members must leave and return to Australia together.

Cancellation policy benefits are shared amongst all travellers on the same policy. Cancellation limit applies per policy.

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.

Get flexible travel insurance and protection in minutes with 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.

24/7 Emergency assistance
In-app chat support
In-app travel safety alerts
24/7 Telehealth access

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!

Why is buying a travel insurance policy for your family important for an international trip?

Though travelling overseas is a fabulous experience, it also carries with it many risks, from theft to medical emergencies. It’s one thing taking a gamble to not buy travel insurance when it’s just you, but it’s an entirely different thing when you've got children or grandchildren to care for. This is especially true when you think about how quickly costs can mount when you're a family. With Freely, dependent children and grandchildren under the age of 21 travel free on their guardian's policy.

Why is family travel insurance important for domestic trips?

When working out whether to get domestic travel insurance for your family trip, the best thing to do is weigh up the options, i.e. is the price of travel insurance worth the possible cost of cancellations and amendments for all family members? COVID-19 is sadly still a thing, and though we might not have to isolate anymore, people are still getting sick. Many of Freely’s claims are still related to COVID-19, and coverage for it while you’re travelling domestically certainly isn’t obsolete if you’re worried about interruptions to your trip due to your health or that of your children or grandchildren.

As well as COVID-19, Freely's domestic coverage includes trip cancellations (for qualifying reasons), early trip terminations (for qualifying reasons), expenses resulting from travel delays, lost or stolen luggage, luggage delays and rental car excess, some of which you pay for a Boost to access.

What Freely doesn't cover

While we aim to provide comprehensive coverage, it's important to be aware of some exceptions in your travel insurance. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) that applies to your chosen type of policy. And if you have questions, get in touch with us.

Pre-existing medical conditions: We generally do not cover existing medical conditions unless they are explicitly listed in our Product Disclosure Statement (PDS); however, you’d be surprised at what Freely does cover as standard.


Illegal activities: Our coverage does not extend to any illegal activities. 



Alcohol or drug use: Coverage may not apply if you exceed the specified limits for alcohol. Our policies do not provide any cover for claims which in any way relate to the ingestion of any non-prescription drug or substance.

Non-emergency treatment: Remember, our insurance is designed for travel emergencies; it doesn't cover non-urgent treatments that can wait until you return home.

Ongoing treatment at home: Ongoing medical treatment in your home country is typically not covered.

Unattended belongings: Personal belongings left unattended in public areas, such as beaches, may not be covered.

Reporting incidents: To avoid claim denial, be sure to report theft or loss within 24 hours to the appropriate authority.

Please also note that our domestic policies do not cover medical expenses incurred during your trip.

Top tips before buying travel insurance for your family

Here are some helpful tips to consider ...

1

Plan your destinations and activities

Determine where you're going and what your group will be doing during your trip. This will help you choose the right coverage to suit your needs.

2

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 us - we're here to assist you

3

Get vaccinated and checked

We recommend that you consult your GP for necessary vaccinations based on your destinations.

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?

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