Consider yourself an adventure junkie – or simply like getting out of your comfort zone? Whether you’re skydiving, scuba diving, outdoor rock climbing or trekking at altitude, it's a good idea to consider adding our Adventure Activities Boost to your Explorer Plan.
Skydiving covered when Adventure Activities Boost added at an additional cost to the base policy.
If pushing the limits (or jumping out of planes) is your idea of a great holiday, you might want to consider getting covered. Our Adventure Activities Boost can be added to your Explorer Plan (at an additional cost) to cover a range of activities that are not otherwise automatically covered by our Explorer Plan.
Our Adventure Activities Boost provides cover for skydiving and parachuting. (Please note that we do not cover BASE jumping.)
Our Adventure Activities Boost provides cover for scuba diving if the maximum depth if between 30m and 50m below the surface, either with an accredited dive marshal, instructor or guide; or, if qualified, are diving within the guidelines of the relevant* diving or training agency and not diving alone.
Our Adventure Activities Boost provides cover for treks that take two days or more to complete at heights of 4,000–6,000m above sea level (and that don’t require specialist equipment).
*If you’re a qualified scuba diver, our Adventure Activities Boost will only provide cover if you’re diving within the guidelines of the relevant diving or training agency or organisation and not diving alone.
*BSAC Sports Diver – 35 metres, BSAC Dive Leader – 50 metres, PADI Advanced Open Water – 30 metres, PADI Dive Master – 40 metres, PADI Deep Dive Speciality – 40 metres, SSI Advanced Open Water – 30 metres, SSAC Sports Diver – 35 metres or SSAC Master Diver – 50 metres.
We've made buying travel insurance easier by bundling medical, trip and belongings cover in our single Explorer Plan. Get a quote and buy your policy in minutes.
If you need additional coverage for your trip or favourite gadgets, you can build upon the Explorer Plan by adding any of our Trip Extras.
Last-minute ski trip? Need a rental vehicle or motorcycle for the day? Embrace spontaneity and toggle on additional activity coverage for the days you need it.
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.
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
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.
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.
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).
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).
If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.
If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.
If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.
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.
If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.
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).
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
When looking for a travel insurance provider for adventure activities overseas, it’s a good idea to check which activities are covered automatically by the base policy and which activities require travellers to purchase extra cover.
Typically, higher-risk activities – such as skydiving, outdoor rock climbing and multi-day trekking at altitude – will carry a premium.
With Freely, you can get cover for a range of higher-risk activities by adding our Adventure Activities Boost to your base policy at an additional cost, including sky diving, parachuting, trekking (that doesn’t require specialist equipment) at heights of 4,000–6,000 metres above sea level and outdoor rock climbing (with ropes, guided and/or bolted routes).
You can add our Adventure Activities Boost to your policy in real time, meaning as soon as you pay, you’re covered for the days you selected.
If you’re planning to go skiing or snowboarding, add our Snow Sports Boost to your base policy in order to be covered. If you’re keen to hire a motorcycle or moped while away, add our Motorcycle & Moped Riding Boost to your policy to be covered.
For more detail, be sure to read the PDS.
When you’ve added our Adventure Activities Boost to your Explorer Plan (at an additional cost) for all the days you’re completing the activity, you’ll get cover for these activities:
• Closed circuit triathlon up to a 1.5 kilometre swim, 40 kilometre bike and 10 kilometre run
• Outdoor rock climbing (with ropes and/or guides, or bolted) less than 2,000 metres above sea level
• Scuba diving if the maximum depth is between 30 metres and 50 metres below the surface provided you are: diving under the direction of an accredited dive marshal, instructor or guide; or, if qualified, diving within the guidelines of the relevant* diving or training agency or organisation and not diving alone.
*BSAC Sports Diver – 35 metres, BSAC Dive Leader – 50 metres, PADI Advanced Open Water – 30 metres, PADI Dive Master – 40 metres, PADI Deep Dive Speciality – 40 metres, SSI Advanced Open Water – 30 metres, SSAC Sports Diver – 35 metres or SSAC Master Diver – 50 metres.
• Parachuting or Skydiving (not including BASE jumping)
• Trekking (that doesn’t require specialist climbing equipment) that reaches an altitude between 4,000 metres and 6,000m above sea level, if the trek takes more than 2 days to complete • Trekking the Kokoda Track.
Please note that we will not pay claims involving your participation in any activity in a professional capacity.
Cover for the following activities is automatically covered by our Explorer Plan, so you don’t need to add our Adventure Activities Boost for these:
• Abseiling, Jet skiing, archery, kayaking, ballooning, paragliding
• Bungy jumping, parasailing, flying fox, snorkelling, horse riding• White water rafting, jet boating, banana boating, surfing, sail boarding
• Safari (organised tours), off road or 4WD driving (organised tour)
• Mountain biking (not BMX racing), working holidays, scuba diving (up to 30m) if diving with a diving school or qualified instructor
Please note that we will not pay claims involving your participation in any activity in a professional capacity.
Here are some helpful tips to consider ...
Always book your activities with a reputable activity provider with a strong safety track record. Look for certifications, reviews and adherence to international safety standards. Don’t hesitate to ask questions about the equipment, guides and safety measures before committing.
Before diving into any adventure, assess your fitness level and experience. Engage in activities that align with your skills and capabilities to ensure you’re not taking on more than you can handle.
If you’re feeling unwell, consider skipping or postponing an adventure activity. Pushing yourself while sick can increase the risk of injury or accidents. Prioritise your health and give yourself time to recover so you can enjoy your holiday to the fullest when you’re feeling better.
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