January 2023

Website Terms of Use

Agreement between User & Freely provided by Cover-More, a company of Zurich.

By accessing or using this site you indicate your consent and agreement to these Terms of Use (“Terms”) and the Privacy Policy. If you do not agree to the Terms or Privacy Policy in whole or in part you must not use this website.

This website (www.freely.me) is comprised of information, data, graphics, sounds and images (Content) and is owned and operated by Cover-More Insurance Services Pty Limited AFSL241713 (“Cover-More”). FREELY is a brand of Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713).  The Freely Travel Insurance Plan is offered and provided by Cover-More Inc. (CA Agency License #0N13321). Doing business in California as Cover-More Insurance Services, CA Agency License #0N13321. Travel insurance is underwritten by Zurich American Insurance Company (NAIC # 16535). Cover-More Insurance Services Pty Ltd., Zurich American Insurance Company, and Cover-More Inc. are separate legal entities and part of Zurich Insurance Group.

Your access to and use of any of our Websites or Content is expressly conditioned on your acceptance of these Terms of Use and the Privacy Policy. By accessing and using any of our Websites or Content, you represent and agree that you have read and fully understand these Terms of Use and the Privacy Policy. If you do not agree with or fully understand any part of the Terms of Use and the Privacy Policy, you are prohibited from using our Websites and Content. We reserve the right to modify these Terms of Use at any time and without prior notice to you. Continued use of any of our Websites and Content by you will constitute your acceptance of any revisions to the Terms of Use. Your continued use of the Websites and Content will be subject to any such modifications with respect to any use of our Websites and Content after such modifications. As such, please check these Terms of Use regularly.


To the fullest extent permitted by law, we expressly disclaim, and you agree, not to hold us or any third party provider of the Content responsible for any losses, damages, injuries, claims or other liability of any kind, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages, including without limitation damages for loss of profits, loss of data, business interruption, travel disruptions, travel cancellations, or any other commercial damages or losses, arising out of or in any way connected with your accessing or using or inability to access or use all or any part of any of our Websites or any of the Content, or your reliance on such Website and/or Content, or any failure of performance, omission, error, interruption, defect, delay in transmission or operation, computer viruses or other harmful components or content, or line or system failure associated with such Website and/or Content, regardless of our negligence and/or knowledge there of. The law in certain states may not allow the disclaimer or exclusion of any or all of such liability, and as such, the limitations herein may not apply to you.

Our liability to you for any and all losses, damages, injuries and claims of any kind, whether in contract, tort, strict liability or otherwise, will not exceed fifty dollars ($50.00 USD). The Content in no way affects benefits or coverage provided under any travel insurance policy purchased, and the terms of that policy shall prevail if there is any conflict with our Website or Content.


The material on our Websites and the Content is provided as is. This means that Cover-More disclaims all express and implied warranties about the material in the Websites. This includes, but it is not limited to, warranties that: (1) the material is of any particular level of quality or is fit for a particular purpose; (2) that the functional elements contained in the materials will be uninterrupted or error-free; (3) that defects will be corrected; (4) that our Websites, the Content, or the servers that make them available are free of computer viruses or other harmful components or conditions; or (5) that information contained in the Websites and Content is accurate as of any particular date.

We sometimes provide access to other sites from our Websites or you may have reached our Websites from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our Website. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the Cover-More Websites or have moved elsewhere.

By providing material on our Websites Cover-More does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. Cover-More is entitled to terminate all or part of any of its Websites at anytime, without notice to you.


All information collected from users of our Websites is subject to our Privacy Policy, which is incorporated by reference into this agreement. For more information, see our Privacy Policy


These Terms of Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Nebraska, without giving effect to Nebraska's conflict of laws principles. If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.


You understand that by clicking the agreement box before checkout constitutes an electronic signature. The electronic signature documents consent to all of the provided terms and conditions. Electronic signatures are legal and enforceable in the same fashion as a traditional signature. You consent to issuance of policy documents and all other notices electronically via email if an email address is provided. You should be diligent in updating their provided email address if any changes occur. You may withdraw your consent and request a paper copy of policy documents via email at freely-customercare@covermore.us or over the phone at 1-844-246-8480.

The material provided on the Websites, including the Content, information and any images, is for your personal, private, non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this Websites, including anything you download from the Websites, unless you first obtain our consent. You agree not to engage in unauthorized systematic retrieval of data or other content from the Website. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

All trademarks, service marks, trade names, logos, and icons on our Websites and Content are proprietary to Cover-More or used with permission by Cover-More . Nothing contained on this Website should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Websites without the written permission of Cover-More. Your use of the trademarks displayed on the Websites, or any other content on the Websites, except as provided herein, is strictly prohibited. Images displayed on the Websites are either the property of Cover-More, or used with permission by Cover-More. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Cover-More. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.


Other than your personally identifiable information or information otherwise subject to a confidentiality obligation, any information, ideas, questions, comments, proposals or materials that you submit to us, such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos ("Submissions"), via electronic transmission or otherwise, will be considered non-confidential and non-proprietary. By submitting any Submissions, you grant to us a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at our sole discretion.


Unless otherwise specified, the materials in our Websites are presented to provide information about Cover-More, our insurance products and the insurance business. Cover-More operates and controls its Websites from the Company's headquarters in Omaha, Nebraska, in the United States of America, and Nebraska law shall govern and control any action concerning the Cover-More Websites. We do not in any way imply that the materials on the Website or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.

Unless otherwise expressly set forth herein, Cover-More makes no representation that materials on the Websites are appropriate or available for use in any location. Those who choose to access the Websites do so by their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein, the information contained on the Websites is not an offer to sell or a solicitation to buy any insurance product or other product or service offered by Cover-More. No insurance product or other product or service is offered or will be sold by Cover-More or, if sold by Cover-More, will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

Some products and services may not be available in all jurisdictions. The content and materials contained in the Websites are to be construed in accordance with and governed by the internal laws of the State of Nebraska, without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of Nebraska to the rights and duties of the parties.


Plans are subject to terms, conditions, and exclusions. Specific benefits and limits of coverage vary depending on the plan purchased. For a complete description of the coverage and specific benefit limits offered under your plan, carefully review your Letter of Confirmation/ Insurance Policy/ Certificate of Insurance. All plans not available in all states.

Insurance benefits are underwritten, depending on your state of residence and product purchased, by Zurich American Insurance Company (NAIC # 16535).

When you click the button on the Website to purchase insurance, you are submitting a request for coverage from the insurer. This request for coverage is considered an offer by you to the insurer. The insurer may decline to accept your offer, or your coverage may later be nullified and voided as if it were never in effect, if you fail to meet the terms and conditions of the policy. This includes, but is not limited to, any circumstance where providing coverage, benefit, or services under the policy, or the underlying business or activity, would (1) violate any applicable law or regulation, including without limitation any economic or trade sanction or embargo; or (2) be provided within, or otherwise related to, any country subject to comprehensive economic and/or trade sanction or embargo in the United States.

Except where specified, the Website does not form part of the terms and conditions of an insurance policy, the protection plan or any subsequent insurance contract which is entered into by a user.

We in no way imply that such insurance products and services are available to residents of jurisdictions in which we are not licensed to do business, or that we are soliciting business in any way from such jurisdiction(s). By submitting to us a request to purchase any of our insurance products, electronically or otherwise, you are representing and warranting to us that you are a U.S. resident residing in a jurisdiction in which we are licensed to do business and are not otherwise prohibited from purchasing from us (including without limitation due to economic sanctions or other legal prohibitions).


The currency of transactions on this Site is in US Dollar (USD) only.

Method of delivery - After receiving payment you will be emailed a Confirmation of Coverage. For a hard copy of your insurance policy, please contact us at 1-844-246-8480. The policy will be valid for the period you have chosen as stated on the Confirmation of Coverage.


The Content and the Website are protected by copyright and may be viewed and used for personal or educational purposes only. Except as provided by any provision of the applicable copyright legislation applicable to the jurisdiction in which you reside, any other applicable laws or where such use is limited to personal or educational use no part of this Website or the Content may be copied, reproduced, adapted or transmitted for any other purpose in any form by any process without the written permission of Freely (including but not limited to business or commercial uses, market research, comparative, ‘shadow shopping’ or pricing studies).

All trademarks, domain names, service marks, trade names, logos and icons are owned by or licensed to Cover-More and/or its related companies. Nothing contained in this Website shall be construed as granting, by implication, estoppel, or otherwise any license or right to use any trademark, domain names, service marks, trade names, logos and icons displayed on this Website without written permission of Cover-More or such third party which may own the trademarks, domain names, service marks, trade names, logos and icons displayed on this Website.