
What's covered?
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.
The United States is a popular destination for Australians. From the forests of California to the moonscape deserts of Utah, and the buzz of New York City to the alpine tundra of Alaska, the United States is a wild destination with plenty on offer. Though, they do have one of the most expensive healthcare systems in the world should something go wrong – which is why it’s a good idea to consider getting travel insurance. We can help with that.
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.
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!
The United States of America is a vast country that offers travellers an array of experiences.
From the bustling metropolises of New York City and Los Angeles to the serene beauty of places like the Grand Canyon and Yellowstone National Park, the landscapes of the US are as diverse as the hundreds of millions of people who call it home.
Visitors come to attend festivals such as Coachella in California, surf sublime coastlines in Hawai’i, roadtrip through the Mojave Desert, check out Brooklyn’s hip-hop scene, ski and snowboard* the alps in Colorado, groove to jazz in New Orleans, experience Native American culture and more.
Freely’s Overseas Explorer Plan offers travellers $Unlimited~ medical and emergency dental (~medical and dental cover will not exceed 12 months from onset of the illness or injury), evacuation and repatriation, lost and stolen luggage and trip cancellation and amendment cover.
For more detail, be sure to read our PDS. *Snow sports covered when Snow Sports Boost added at an additional cost to the base policy.
From Australia, you can fly direct to several cities in the United States, including Los Angeles, San Francisco, Dallas and Honolulu. Flight times vary between 9 and 16 hours, though in 2025, Qantas plans on launching a 19-hour direct flight from Sydney to New York City!
As well as Qantas, carriers such as Hawaiian Airlines, Delta Air Lines, Air New Zealand, United Airlines and Virgin Australia serve several routes between Australia and the United States. Depending on your departure city, you could have a stopover in Korea, Auckland, Hong Kong or somewhere else.
Entry requirements in the United States are strict, but Australian passport holders visiting for 90 days or less may be eligible for what’s known as an ESTA: an Electronic System for Travel Authorization (ESTA). If successfully obtained, this allows you to enter the US under the Visa Waiver Program.
It's essential to check the latest entry requirements and visa regulations before you go, as they can change quickly and vary based on factors such as your purpose of visit and previous travel history.
To do so, visit the Australian Government's Smartraveller website, contact your nearest United States embassy or consulate in Australia, or visit the official U.S. Citizenship and Immigration Services website.
The United States is a fascinating place to visit, but the cost of healthcare is incredibly high – making travel insurance an important consideration if you plan on heading over.
In fact, the Australian Government website Smartraveller recommends that travellers to the US purchase travel insurance and warns that sometimes medical bills are expected to be paid upfront.
Travel insurance for the United States can also cover things like lost, damaged or stolen belongings, trip cancellation and amendment and resumption of journey – in case something unexpectedly interrupts your holiday – and additional expenses arising from travel and luggage delays.
With Freely’s Overseas Explorer Plan, travellers can enjoy cover for mishaps like these, as well as $Unlimited~ medical and emergency dental (~medical and dental cover will not exceed 12 months from onset of the illness or injury).
Plus, when travelling with Freely, travellers get 24-hour access to our medical and emergency team, telehealth access and safety alerts targeted to your location, all designed to help you travel safely and freely.
For more detail, be sure to read our PDS.
Our Overseas Explorer Plan includes overseas medical and emergency dental as a benefit when travelling in the United States.
If you become sick or injured on your trip, we may provide cover for unexpected medical and hospital expenses (terms and conditions apply).
If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.
Our travellers also get 24-hour access to our team of medical and emergency specialists in the case you fall sick or are injured.
For more detail, be sure to read the PDS.
You need to add our Snow Sports Boost at an additional cost to the base policy for all the days you're on the snow in order to be covered. (Our Explorer Plan alone does not automatically cover snow sports.)
Our Snow Sports Boost provides cover for downhill skiing, cross-country skiing and snowboarding – as well as snowmobiling. If you’re planning on going off-piste, we’ll still offer cover, but only if you're not going against any warnings or local advice.
Also be aware that our Snow Sports Boost is not for those who are participating in a professional capacity or racing.
For more details, be sure to read the PDS.
Freely’s Overseas Explorer Plan can provide cover for travellers renting a car or campervan in the United States.
Our Rental Vehicle Insurance Excess Boost (which travellers can add to their base policy at an additional cost) can provide protection against costs that arise in the event that a rental vehicle is damaged or stolen in your care.
In other words, Freely will cover the rental vehicle insurance excess or the repair costs to the rental vehicle that you’re liable to pay, whichever is lower.
The cover applies if you:
1. Have added our Rental Vehicle Insurance Excess Boost to your base policy for the days you’re driving;
2. Hire a rental vehicle (must be under 6 tonnes);
3. Are the nominated driver on the rental vehicle agreement; and
4. Have purchased comprehensive motor vehicle insurance for the rental vehicle for the hire period.
For more details, be sure to read the PDS.
In many parts of the US, travellers may get pickpocketed, robbed or mugged.
Our Explorer Plan includes cover for loss, theft or damage to your luggage, as well as lost or stolen money (from your person or a locked safe in your hotel room) up to the value of $500 AUD.
You can also add extra coverage for your more expensive items and devices by purchasing our Gadget Trip Extra or our Specified Item Trip Extra.
Getting robbed is not a great experience but the Freely team can help you 24-hours a day if it happens to you (via the Freely app or by calling our emergency assistance number).
If your things are stolen, you need to report it to Freely (and the local authorities wherever you are) as soon as possible (within seven days). A copy of the relevant report needs to be submitted when you make a claim. As always, we will carefully review your claim to see if it qualifies for cover and meets the terms and conditions of your policy.
For more detail, be sure to read the PDS.
The United States is regularly impacted by natural disasters, including earthquakes, volcanic eruptions, tsunamis, landslides, avalanches, hurricanes, severe thunderstorms, tornadoes, extreme temperatures, wildfires and floods. Yikes!
If you are directly affected by an unforeseen natural disaster while travelling there, you can access 24-hour medical and emergency assistance via the Freely app or by calling our emergency assistance number. To know what Freely covers in the instance of a natural disaster, please refer to our PDS.
To stay abreast of forecasts for severe weather and natural disasters in the United States, register for alerts with the Global Disaster Alert and Coordination System (GDACS) and monitor the US National Weather Service (NWS). It’s also a good idea to learn how to prepare for disasters and emergencies, with websites like ready.gov offering a range of good resources.
For the latest advice specific to Australian travellers, keep up-to-date with Smartraveller. Also be aware that Freely does not provide benefits for claims directly arising from not following advice or a warning of “Do not travel” issued by the Australian Government on that site.