Travelling the world is a privilege and a pleasure, but if things go wrong, you may end up being awfully glad that you had travel insurance! Freely offers policies for all sorts of international trips and types of travellers.
We Australians are an adventurous bunch, whether we're surfing in Indonesia, skiing in the Japanese alps or eating our way around Italy. Designed with this in mind, our policy has a range of benefits that may come in handy next time you take a trip.
If you get sick or injure yourself overseas, you may be able to claim unlimited medical and dental expenses incurred overseas. Cover will not exceed 12 months from onset of illness or condition.
Only applies to Overseas Explorer Plan.
If your luggage gets lost, stolen or damaged, we may reimburse you for the cost of your bag and its contents (limits apply and depreciation may apply). You can purchase additional coverage for special items and gadgets.
With Freely, you'll get 24/7 access to medical and emergency specialists, telehealth and geo-specific safety alerts designed to keep you safe.
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!
Travelling internationally is undeniably awesome, but it comes with all sorts of risks – from getting sick when your body encounters new germs (looking at you, Bali belly) to natural disasters interfering with your pre-paid holiday plans.
Not only can dealing with the fallout of mishaps like this be tricky in a foreign country, especially if there’s a language barrier, but they can also be enormously expensive. This is where travel insurance may come in handy.
Travel insurance can provide financial cover when things go wrong overseas. That’s why the Australian Government Smartraveller website considers travel insurance “as important as a passport” if you’re heading on an international trip.
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, as well as benefits like lost luggage, stolen passports and trip delays.
Conditions and exclusions apply. Be sure to read our PDS to understand what’s covered.
The Australian Government’s Smartraveller considers travel insurance essential for overseas trips. Not only because it may reimburse you for mishaps like stolen luggage or additional expenses arising from flight delays – but because it can protect you from larger financial burdens arising from a medical emergency overseas.
Additionally, if you’re going to enjoy higher-risk activities like skydiving or snow sports, or you’re planning to rent a motorcycle or moped overseas, it’s important to ensure you have adequate cover for those activities.
Freely’s Overseas Explorer Plan includes benefits such as $Unlimited~ medical and emergency dental cover (~medical and dental cover will not exceed 12 months from onset of the illness or injury), evacuation and repatriation and cover for some existing medical conditions automatically (subject to the criteria in the PDS being met; for other conditions or if your conditions don’t meet the criteria, you can apply for cover).
Plus, we also provide cover for trip cancellation and amendment, lost and stolen luggage, and additional expenses arising from flight delays.
Our pay-per-day Daily Boosts provide cover for snow sports, adventure activities, moped and motorcycle rental, rental car excess and cruising. To be covered, our Daily Boosts must be added to the base policy at an additional charge for all the days the traveller wishes to be covered.
Terms and conditions apply. For more detail, be sure to read the PDS.
You can buy your Freely policy any time before departing on your trip – even if you’re sitting in the airport!
However, it is often suggested for travellers to purchase their travel insurance well in advance of departing on an international trip. If you purchase your Freely policy in advance, you can access benefits such as pre-trip cancellation cover.If you’re already overseas, you can still purchase your travel insurance.
Please note, however, that if you’re buying a Freely policy when already overseas, you’ll be subject to a three-day no-cover period.
For more detail, be sure to read the PDS.
Here are some helpful tips to consider ...
Head to Australian Government website Smartraveller to read the travel advice for all the destinations you plan to visit. The site is updated regularly with information about natural disasters, political unrest and other crises that may impact travellers. You can also subscribe to keep up-to-date with any changes.
There’s a certain sense of freedom that comes with heading off on a trip – but it’s a good idea to give someone back home a detailed itinerary and make a plan to keep in touch regularly. These days, it’s very easy to get your phone working overseas with a local sim card, or you can even get sims that work in multiple countries – especially through many smartphones’ esim feature.
Carefully go through the policy's Product Disclosure Statement (PDS) to grasp the details of your coverage. If you have any questions, don't hesitate to reach out to our customer support team – we're here to help.
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