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.
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.
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.
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).
If necessary, we'll help with emergency evacuation or repatriation to bring you home.
Only applies to Overseas Explorer Plan.
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.
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.
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.
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!
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.
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.
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.
Here are some helpful tips to consider ...
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.
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
We recommend that you consult your GP for necessary vaccinations based on your destinations.
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