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

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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

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

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 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

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 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?