What's covered in freely's Essentials Plan?

Our Essentials Plan offers coverage for medical and dental emergencies, evacuation and repatriation, and accidental death and disability – as well as your belongings and the cost of your trip if it gets interrupted.

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).

Coverage for medical

Emergency medical expense$500,000~

Emergency dental expense$1,000

Emergency evacuation & repatriation$1,000,000

Accidental death & dismemberment$50,000

Coverage for your trip

Trip interruptionUp to 150% of trip cost

24/7 Emergency assistanceTelehealth & medical specialists

Live chat supportSpeak to our team via the app

Coverage for your belongings

Lost, stolen or damaged baggage$2,500

Baggage delay$250

There’s a lot of detail to unpack in the above, so please refer to and read our Travel Insurance Policy for more information on coverage limitations and exclusions.
~Emergency medical expense is $50,000 for NH residents.

Need extra coverage for your trip?

Build on your Essentials Plan by adding Trip Extras to get protection for things like trip cancellation and snow activities, and extra coverage for personal belongings.

Why choose freely

A car driving down a snowy road lined with snow covered trees

Only pay for the extra cover you need on the days you actually need it.

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Update your policy on your trip so you can embrace travel spontaneity.

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Get 24/7 access to our medical and emergency specialists.

Need cancellation coverage, trip inconvenience and snow activity coverage? Simply add it to your Essentials Plan when getting a quote.

Here’s what our travellers have to say about us

Easy to understand the coverage and costs. Easy to add extras. Best prices and very much best Medical and Evacuation coverage!

Randy
Trustpilot, Feb 2026

Reviews are high. Cost is cheap to me, friendly apps. Thank you.

Lourdes G.
Trustpilot, Feb 2026

I have looked at many travel insurance policies. Your pricing was competitive and your optional travel benefits were great. Easy to navigate site. 21 day look at policy.

Doug H.
Trustpilot, Mar 2026

Very easy to understand. Very competitive pricing.

William H.
Trustpilot, Jun 2026

Seems like a solid insurance backed by Zurich American.

Chris B.
Trustpilot, Jun 2026

I already have Freely app from last purchase of travel insurance. It was quick to get a good quote for a new trip, and they automatically added it to the app.

Angela S.
Trustpilot, Mar 2026

Easy to understand the coverage. This was, by far, the most reasonable and comprehensive coverage I found...and I investigated multiple plans

Kay L.
Trustpilot, Jan 2026

App features

Get a quote

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

Safety alerts

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

Chat support

Got questions? Get help by speaking with our support team via live chat Monday-Friday 8:00am–7:00pm CT.

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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.

Who can use Freely?
What COVID-19 stuff is covered?
How can Freely help me in an emergency?
How will my location be used?
How do I make a claim?
How do payments work?