Compare our plans

From basic to comprehensive cover, there's a Freely plan for every trip and budget. Compare our plans to find the one that's right for you.

Overseas
Domestic
budget

Essentials

Just the basics.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$3,000
(or cover chosen)#
LuggageΔ
$5,000^
Travel delay
$500^
Rental vehicle excess
COMPREHENSIVE

Explorer

The all-rounder.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$5,000
(or cover chosen)#
LuggageΔ
$10,000^
Travel delay
$2,000^
Rental vehicle excess
$5,000
COMPREHENSIVE +

Explorer Pro

Fully loaded.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$10,000
(or cover chosen)#
LuggageΔ
$15,000^
Travel delay
$3,000^
Rental vehicle excess
$10,000
budget
Essentials
Just the basics.
Cancellation
$1,000
(or cover chosen#
Additional expenses
$10,000^
LuggageΔ
Special events
Rental vehicle excess
COmprehensive
Explorer
The all-rounder.
Cancellation
$2,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$5,000^
Special events
$1,500^
Rental vehicle excess
$5,000
COMPREHENSIVE +
Explorer Pro
Fully loaded.
Cancellation
$3,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$10,000^
Special events
$2,000^
Rental vehicle excess
$8,000

~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.

KNOW BEFORE YOU GO

Compare plan benefits

When things go wrong overseas, travel insurance can be the unexpected hero of your trip. All our overseas plans offer coverage for medical, evacuation and repatriation, your choice of cover for trip cancellation, as well as varying luggage cover limits as standard.

Your Health

Benefit

Essentials

Explorer

Explorer Pro

Overseas medical expenses (including emergency repatriation/evacuation)
Essential
$Unlimited~
Explorer
$Unlimited~
Explorer Pro
$Unlimited~
Overseas dental expenses
Essential
$2,000
Explorer
$2,000
Explorer Pro
$2,000
Accidental death
Essential
Explorer
$25,000*
Explorer Pro
$30,000*
Disability
Essential
Explorer
$25,000*
Explorer Pro
$30,000*
Existing medical conditions
Essential
Yes^
Explorer
Yes^
Explorer Pro
Yes^

Your Trip

Benefit

Essentials

Explorer

Explorer Pro

Cancellation and amendment
Essential
$3,000
(or cover chosen)#
Explorer
$5,000
(or cover chosen)#
Explorer Pro
$10,000
(or cover chosen)#
Additional expenses
Essential
$Unlimited^
Explorer
$Unlimited^
Explorer Pro
$Unlimited^
Pet boarding
Essential
Explorer
$600^
Explorer Pro
$600^
Rental vehicle insurance excess
Essential
Explorer
$5,000
Explorer Pro
$10,000
Travel delay expenses
Essential
$500^
Explorer
$2,000^
Explorer Pro
$3,000^
Resumption of journey
Essential
Explorer
$2,000
Explorer Pro
$3,000
Special events
Essential
Explorer
$2,000^
Explorer Pro
$3,000^
Personal liability
Essential
$1,000,000
Explorer
$2,000,000
Explorer Pro
$3,000,000
Adventure activities
Essential
75+ automatically included
Explorer
75+ automatically included
Explorer Pro
75+ automatically included

Your Stuff

Benefit

Essentials

Explorer

Explorer Pro

LuggageΔ
Essential
$5,000^
Explorer
$10,000^
Explorer Pro
$15,000^
Luggage delay
Essential
$500^
Explorer
$800^
Explorer Pro
$1,000^
Money
Essential
Explorer
$250
Explorer Pro
$500
KNOW BEFORE YOU GO

What’s covered?

It’s easy to think travel insurance is just for overseas trips, but travelling within Australia comes with many of the same risks. Freely covers domestic travel nationwide, from major cities like Sydney and Melbourne to nature escapes in Tasmania and the Gold Coast.

Your Health

Benefit

Essentials

Explorer

Explorer Pro

Accidental death
Essential
Explorer
$25,000*
Explorer Pro
$30,000*
Disability
Essential
Explorer
$25,000*
Explorer Pro
$30,000*

Your Trip

Benefit

Essentials

Explorer

Explorer Pro

Cancellation and amendment
Essential
$1,000
(or cover chosen)#
Explorer
$2,000
(or cover chosen)#
Explorer Pro
$3,000
(or cover chosen)#
Additional expenses
Essential
$10,000^
Explorer
$10,000^
Explorer Pro
$10,000^
Pet boarding
Essential
Explorer
$300^
Explorer Pro
$300^
Rental vehicle insurance excess
Essential
Explorer
$5,000
Explorer Pro
$8,000
Travel delay expenses
Essential
Explorer
$800^
Explorer Pro
$1,000^
Resumption of journey
Essential
Explorer
Explorer Pro
$2,000
Special events
Essential
Explorer
$1,500^
Explorer Pro
$2,000^
Personal liability
Essential
$1,000,000
Explorer
$2,000,000
Explorer Pro
$3,000,000
Adventure activities
Essential
75+ automatically included
Explorer
75+ automatically included
Explorer Pro
75+ automatically included

Your Stuff

Benefit

Essentials

Explorer

Explorer Pro

LuggageΔ
Essential
Explorer
$5,000^
Explorer Pro
$10,000^
Luggage delay
Essential
Explorer
$600^
Explorer Pro
$800^
Money
Essential
Explorer
$250
Explorer Pro
$500

~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD.

Need extra coverage for your trip?

Trip Extras let you build on your base policy, before you go or while you're away. Whether you want increased limits for your valuable items, extra cancellation cover, or pay-per-day cover for activities like skiing, motorcycle riding or cruising - just add what you need.

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.

What is the difference between Overseas Essentials, Overseas Explorer and Overseas Explorer Pro plans?
Does Freely offer domestic travel insurance?
Can I upgrade my plan after purchase?
What is a Trip Extra and do I need one?
What is the excess on a Freely travel insurance policy?
What is NOT covered by Freely travel insurance?
Do I need travel insurance for a short stopover or layover country?
Who underwrites Freely travel insurance?
Do you cover existing medical conditions?
Is there an age limit on Freely travel insurance?
What is a PDS and where do I find it?