Travel insurance to explore freely

4.8
App store rating
300k
Aussies covered
24/7
Emergency assistance
THREE OPTIONS

Pick a plan that fits your trip

Keep it simple or go all out with our flexible travel insurance plans. Only pay for the extra cover options (Trip Extras) on the days you need it, enjoy 24/7 emergency assistance, live chat support and easy-to-submit claims. Plus, all our plans include cover for 75+ adventure activities automatically.

Essentials

Travelling light? Simple cover for the basics.

Base-level
Core benefits
Budget-friendly
COMPREHENSIVE
Two people standing on a rock overlooking Monument Valley during sunset.

Explorer

Got bigger plans? Get more cover to match.

Comprehensive
More benefits
Higher limits
MOST COMPREHENSIVE
Two skiers ascending a snowy mountain with clear sky and rocky peaks in the background.

Explorer Pro

Going all out? Our highest level of cover.

Comprehensive +
Extensive benefits
Highest limits
Bloomberg logoFinder.com.au logoThe Times logoForbes logoWe Are Explorers logo
Bloomberg logoFinder.com.au logoThe Times logoForbes logoWe Are Explorers logo

Here’s what our travellers have to say about us

Freely are legitimate and trustworthy… they honoured the policy and paid us when we had a huge dilemma after a flight cancellation turned into a five‑day drama.

Cherrybasket
App store review, Aug 2025

Great value for what is included. Love the option of adding on while I'm away.

Christine P.
App store review, Mar 2026

I always take out this insurance. It's affordable and flexible. The chat has always been prompt and helpful

Kjhd3976
App store review, Jan 2026

Very easy, no fuss process. Very happy.

Greg J.
App store review, Nov 2025

Great prices have used them 3 times.

Karen L.
App store review, Nov 2025

I want to thank the lovely people who were so patient and helpful with helping me set up our travel insurance through the app. Thank you so much.

Marion A.
App store review, Feb 2026

So easy & a great price!

Tracey O.
App store review, Jan 2026
THREE SIMPLE STEPS

How freely works

Three hikers with backpacks on a rock ledge framed by a large natural stone arch overlooking a vast landscape under a partly cloudy sky.
Step

Choose your plan

All our overseas plans include medical expenses cover, your choice for trip cancellation cover and varying luggage cover limits as standard. Plus extra benefits such as travel delay, delayed luggage and more, subject to the plan chosen. From there, you’re in control. Get a quote and buy your policy in minutes.
Step

Add Trip Extras

Decided to ski for the day? Hopping on a last-minute cruise? Embrace travel spontaneity and toggle on additional activity coverage for your trip or just the days you need it.
Person in a red beanie and green jacket adjusting a camera on a tripod with misty mountains in the background.
Person sitting on the edge of a rooftop tent mounted on a car, holding a walkie-talkie at sunrise with mountains and lake in the background.
Step

Download the freely app

Enjoy our safety and support features, including location-targeted alerts, live chat and 24/7 access to medical and emergency specialists. Add Trip Extras in real-time, submit claims and buy future policies all from your phone.

$1.4 million back to the planet.
And counting.

NOT YOUR AVERAGE Travel insurance

We do things differently

No two trips are the same - so why does most travel insurance treat you like they are? Manage your policy from the Freely app, add Trip Extras on the days you need them and get flexible cover built around you.

The old way
The Freely way
Cover that wasn't built with your trip in mind
Flexible travel insurance you can tailor to your trip
Never quite sure if your activities are covered
75+ adventure activities automatically included
Policy documents buried in your inbox
Manage your policy from the Freely app
Ski, cruise or motorcycle cover charged for your whole trip
Add ski, cruise, or motorcycle cover on the days you need it (even while you're away!)
Loyalty that rarely gets recognised
Earn rewards every time you travel with Freely
Cover with no purpose beyond your policy
Proud member of 1% for the Planet
Cover designed for the 'average' traveller
Built by Aussie travellers, for Aussie travellers

This is a general comparison only and does not reflect every insurer or policy. Consider the PDS and TMD to see if Freely is right for you.

Adventure in front of you, Zurich behind you. Explore freely.

App features

See app features

Get a quote

Mobile app screen showing a greeting with 'Where to next?' over ocean waves, options to get a quote, extra cover toggle with skiing image, referral program, and notification and location services settings.

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

Make a claim

Mobile screen showing a claim category selection form with options: My Stuff, My Health (selected), My Trip, and Something Else, plus a tip about submitting multiple claims and a Next button.

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

Add Trip Extras

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

Safety alerts

Mobile screen showing high safety alerts for the Philippines and New Zealand with recent updates on casualties from STS Kristine and suspended flights due to demonstrations.

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

Emergency assistance

Mobile app Help screen showing chat support hours, 24/7 emergency, telehealth, and travel assistance options, with push notifications enabled for safety alerts.

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

Chat support

Chat screen asking if asthma is covered as an existing medical condition, with a response from Anastacia stating she will get a Medical Specialist to help.

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

Telehealth

Telehealth access information with instructions on when to call the medical team and support options, including a phone number.

Coming down with something? Ran out of medication? Access 24/7 telehealth, with e-script capabilities in over 70 countries and across dozens of languages. Only applies to overseas plans.

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?
What is travel insurance?
When is the best time to buy travel insurance?
What should I look for in travel insurance?
Does Freely offer overseas travel insurance?
Does Freely offer domestic travel insurance?
What is a Trip Extra and do I need one?
Is it too late to buy travel insurance once I've booked my trip?
Do I need the app to use Freely?
I'm already travelling and forgot to buy insurance. Can I buy it after I've left Australia?
Do you cover existing medical conditions?
Who underwrites Freely travel insurance?
Is there a cooling-off period in case I change my mind?