Is there anything better than hitting the wide open ocean for your overseas holiday? Just be sure to add our Cruise Cover Boost to your Overseas Explorer Plan for all the days you’re onboard in order to be covered – it’s mandatory!
Cruising covered when Cruise Cover Boost added at an additional cost to the base policy.
To get cover on your multi-night ocean or seagoing cruise, it is mandatory to add our Cruise Cover Boost for all days you’re onboard, from the day you board to the day you disembark.
Whether you’re boarding a cruise that’s heading overseas or hopping on a cruise in another country, there is something special about exploring the world on the water.
To be covered for sea or ocean-cruises outside of Australia that are longer than two nights (multi-night), you must add our Cruise Cover Boost to your Overseas Explorer Plan at an additional cost, from the day you board until the day you disembark.
When getting a quote for a cruise overseas, select all the countries that the cruise will stop into, as well as any other countries that you’re visiting on your trip.
Add our Cruise Cover Boost to your Overseas Explorer Plan for all the days you’re onboard your cruise (you will need to pay a premium for this required cover).
Once you have added your Cruise Cruise Cover to your Overseas Explorer Plan, checkout, pay and you’re ready to cruise!
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!
After several years under a COVID-19 cloud, the cruise industry has bounced back, with cruise lines implementing new health measures to ensure the safety of their passengers.
While river cruising is automatically included in Freely’s Explorer Plan (both domestic and international), travellers hopping on a sea or ocean-going cruise for more than two nights (multi-night) in international waters must add our Cruise Cover Boost to the base policy at an additional cost, from the day you board to the day you disembark.
Cruising is a fabulous way to see the world – but like any trip away from home, there’s always the potential for something unexpected to happen.
Knowing this, some cruise lines require cruise-specific insurance before allowing you to board. The Australian Government Smartraveller considers it so important they say that if you can't afford travel insurance, you can't afford to travel.
Travel insurance for your cruise overseas – such as what Freely offers – can offer protection against the financial burden of incidents like medical emergencies, stolen luggage onboard and missed port departures.
Freely offers travel insurance for international cruises. To be covered, you need to add our Cruise Cover Boost to your Overseas Explorer Plan at an additional cost from the day you board to the day you disembark.
For more detail, be sure to read the PDS.
COVID-19 is still disrupting travel plans, making it a major concern for international cruise travellers.
That’s why it might be a good idea to consider a travel insurance policy that includes cover for medical incidents and trip disruptions caused by COVID-19.
When you add Freely’s Cruise Cover Boost to your Explorer Plan (at an additional cost, for all the days you’re onboard), you can enjoy cover for things like pre-cruise cancellations, pre-cruise trip amendments and onboard medical expenses that arise if you and/or your travel companion (listed on your policy) contracts COVID-19 (sub-limits and a special excess apply).
Please note, however, that Freely does not offer cover for cruise cabin confinement costs related to COVID-19 – regardless of whether it’s you or other passengers who are diagnosed.
For more detail, be sure to read the PDS.
We understand that older travellers may want to enjoy their cruise while having access to medical and emergency support, just in case something goes wrong.
That’s why senior travellers might be interested in travelling with Freely’s Cruise Cover Boost.
With Freely, senior travellers going on a cruise overseas can enjoy 24-hour access to our medical and emergency team, as well as cover for onboard medical costs, ship-to-shore medical costs and COVID-19 (sub-limits and a special excess apply), subject to meeting criteria outlined in the PDS.
For more detail, be sure to read the PDS.
Here are some helpful tips to consider ...
Seasickness is rarely a problem when you’re onboard a cruise ship due to their size and steadiness. However, if it’s something you’re prone to, ask if you can have a cabin on the lower level as close to the centre of the boat as possible. Refrain from having a heavy meal before you board the vessel for the first time, and avoid hitting the booze too hard. Your inner ear canal contains small crystals that are super sensitive to vibration and movement – and lying down to rest can help stabilise you if you feel dizzy or nauseous.
Respiratory illnesses (such as influenza and COVID-19) and gastrointestinal infections are the most commonly reported illnesses onboard cruise ships. Be sure to wash or sanitise your hands regularly, which we should all be good at by now! The buffet can be a bit of a breeding ground for bugs, too – as they thrive in foods kept at room temperature. Let the medical staff onboard know immediately if you start to feel unwell.
Even standing on the deck when it’s cloudy can expose you to high levels of radiation – let alone frolicking on exotic beaches or strolling through local towns licking an ice-cream cone. Cover up with long-sleeved clothing and top up your sunscreen every couple of hours. To avoid dehydration, drink lots of water!
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