What's covered?

Flexible cover for your next adventure.

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.

Get flexible travel insurance and protection in minutes with Freely!

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!

App features

Get a quote

Booking a trip? Get a quote in minutes with the Freely app for your next adventure.

Easy-to-submit claims

We know accidents can sometimes happen while you're away, so we’ve made it easier to submit a claim with the Freely app.

Add Daily Boosts

For example, if you unexpectedly get the chance to go skiing, you can use our app to add a Snow Sports Boost – in real time!

Safety alerts

With our built-in SOS feature, you'll receive geo-specific safety alerts in near real time.

Medical and emergency assistance

Get in-app support while you're on your trip with 24/7 access to telehealth and our medical and emergency specialists.

Chat support

Got questions? Get help by speaking with our support team via live chat every day 7am–7pm (AEST/AEDT).

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?

Answers to some of the most common queries we get are outlined below, but if you're still scratching your head over something Freely-related, jump across to our FAQs page and see if it's been answered.

Why do I need travel insurance?
How do I get a quote on your website?
How do I get a quote on the Freely app?
Can I still use Freely without downloading your app?
I'm already travelling and forgot to buy insurance. Can I buy it now?
Is there a cooling-off period in case I change my mind?
Do you provide COVID-19 cover?