If you're trekking for two days or more at great heights (we're talking 4,000–6,000m above sea level), it's a good idea to consider adding our Adventure Activities Boost to your Explorer Plan.
Trekking covered when Adventure Activities Boost added at an additional cost to the base policy.
From the majestic stratovolcano that is Tanzania's Mount Kilimanjaro to the spectacular Nepali Himalayas, the world is bursting with peaks to trek.
Not all expeditions or destinations are covered by our Overseas Explorer though, so if you're heading up to between 4,000–6,000m above sea level, you should consider adding our Adventure Activities Boost.
To be covered for trekking at heights between 4,000 and 6,000m above sea level on a trek that takes more than two days to complete but doesn’t require specialist climbing equipment, you need to our Adventure Activities Boost. Treks at heights of under 4,000m above sea level are automatically covered by our Explorer Plans.
Most Kokoda tours require you to have personal travel insurance prior to departure. We offer cover for this famously gnarly trek with our Adventure Activities Boost.
With our Adventure Activities Boost, we may reimburse you for medical bills incurred from treks at heights between 4,000-6,000m above sea level, provided they take don’t require specialist climbing equipment and if your claim is approved.
Only applies to Overseas Explorer Plan.
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!
Trekking overseas opens up a world of adventure, with countless breathtaking trails to explore.
In Nepal, the Annapurna Circuit offers a stunning mix of lush valleys, quaint villages and Himalayan views, all without exceeding 6,000m altitude (the maximum altitude that we cover under our Adventure Boost).
For those drawn to Europe, Spain’s Camino de Santiago provides a historic pilgrimage route, blending beautiful landscapes with cultural experiences.
Closer to home, New Zealand’s Milford Track in Fiordland National Park is renowned for its dramatic scenery, from serene lakes to majestic waterfalls.
In South America, Peru’s Inca Trail leads you through cloud forests and ancient ruins to the awe-inspiring Machu Picchu.
For a more tropical setting, Indonesia’s Mount Rinjani Trek on Lombok offers a challenging but rewarding journey with stunning crater lakes and panoramic views.
Wherever your trekking adventure takes you, it’s a good idea to consider travel insurance that covers trekking, such as what Freely offers. Our Overseas Explorer Plan automatically covers medical and emergencies for treks up to heights of 4,000m above sea level, while our Adventure Activities Boost covers treks at heights of 4,000–6,000m above sea level, for treks that take more than two days to complete.
For more detail, be sure to read our PDS.
The Australian Government’s Smartraveller website recommends travellers get travel insurance for adventure activities overseas: “even a minor injury can leave you with 1000s of dollars’ worth of medical bills” abroad.
When trekking overseas, travel insurance can provide a layer of financial protection against unexpected injuries, illnesses or accidents that can happen on the trail, especially in remote areas where medical help can be costly or hard to access.
Additionally, if you’re trekking in areas with limited infrastructure, travel insurance can cover things like medical evacuations and emergency transport to the nearest medical facility.
Travellers planning to trek under 4,000m above sea level can get cover with Freely’s Overseas Explorer Plan, while those trekking at heights of 4,000–6,000m above sea level will need to add our Adventure Activities Boost to their policy (at an additional cost) for all the days they’re trekking, if the trek takes more than two days to complete.
Freely provides cover for trekking as long as it isn’t being undertaken in a professional capacity, reasonable care is taken and specialist equipment and oxygen are not being used.
For more details, be sure to read the PDS.
Here are some helpful tips to consider ...
Learn about the trail, weather conditions and difficulty level before you go. Check if permits are required and research local customs, emergency contacts and nearby medical facilities. Being informed helps you prepare better.
Carry weather-appropriate clothing, sturdy footwear, navigation tools, a first-aid kit and sufficient food and water. Always pack a charged phone, power bank and whistle for emergencies.
For treks you’re unfamiliar with, consider hiring a certified local guide or join a reputable trekking group. They’ll provide expert navigation, local insights and added safety in unfamiliar terrain. Avoid trekking solo in remote areas.
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