Whether you’re exploring new corners of the globe, kicking back on a holiday or visiting loved ones, Freely’s Explorer Plan has extra safety features that help older travellers hit the road with more confidence.
Travelling is a wonderful endeavour, no matter your age. We want senior travellers to be able to explore the world while feeling that help is only a call away. Here’s a roundup of some Freely features that may provide you with an extra layer of protection.
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.
With Freely, you'll get 24/7 access to medical and emergency specialists, telehealth and geo-specific safety alerts designed to keep you safe.
Freely automatically provides cover for a range of existing medical conditions (subject to the criteria in the PDS). For conditions that don’t meet the criteria for auto cover or conditions that are not automatically covered, you can complete a health assessment at the same time you purchase your policy. If approved, an additional premium may apply.
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 as a senior can be an incredibly rewarding experience. With retirement often comes the time and freedom to explore new places, visit family and friends overseas or finally tick those dream destinations and experiences off your bucket list.
However, travel also comes with its own set of risks, particularly for seniors. The Australian Government Smartraveller advises travellers to purchase travel insurance, “regardless of who you are, where you're going and what you're doing”.
One of the most compelling reasons for senior travellers to get travel insurance is medical cover, particularly considering that medical assistance is usually the highest unexpected cost for Australians overseas. Travel insurance, such as what Freely offers, can provide financial and practical support if you get sick or injured overseas. With our Explorer Plan, you’ll also get 24-hour access to a team of medical and emergency specialists, including nurses, paramedics and doctors.
It’s not just illness and injury you need to be mindful of when travelling: no matter where you’re going, things can go wrong – from lost luggage to trip cancellation, all of which can be taxing on both your wallet and the quality of your time away. Travel insurance can often help with that.
When choosing a travel insurance as a senior traveller, there are several factors you should consider, as both your age and your health will influence the cost and type of policy you need.
It's important to disclose any existing health conditions you have to your insurer before purchasing a policy. They might ask you to complete a health check or assessment beforehand. With Freely, you can complete a short online health assessment when you get a quote using our website or the Freely app. Please contact our customer support team if you need help with this.
If you are unable to find a policy that covers complications arising from your particular medical issue, the Australian Government Smartraveller suggests that you still purchase a policy that covers other scenarios that might go wrong on your trip (such as trip cancellation, lost or stolen luggage or trip amendment).
Cruising is a wonderful way to see the world, especially for senior travellers who love the water!
To get cover for ocean- and seagoing cruises outside of Australia that are longer than two nights (multi-night), you must add our Cruise Cover Boost to your policy (at an additional cost), from the day you board to the day you disembark. It is mandatory to add the Boost in order to be covered for the cruise.
If you become sick or injured while on your cruise and you have purchased our Cruise Cover Boost for your journey, we may provide cover for unexpected onboard or ship-to-shore medical expenses.
Similarly, with our Cruise Cover Boost, if you contract COVID-19 before or on your trip, you may be able to claims the cost of additional accommodation and expenses because of it. Sub-limits and a special excess apply.
For more details, be sure to read the PDS.
Here are some helpful tips to consider ...
When getting a quote, click ‘Yes’ when asked if you have any existing medical conditions. You’ll then be guided to complete the online health assessment, which will enable us to determine whether we can cover your existing medical condition or not.
PDS stands for product disclosure statement. It’s a document that financial service providers (including travel insurance companies) publish so that customers fully understand what they’re purchasing. Freely’s PDS includes information about how our travel insurance policies work: the key benefits, conditions and exclusions, as well as our complaints-handling procedure – among other things.
Head to the Australian Government Smartraveller website to read the travel advice for all the destinations you plan to visit, and subscribe to stay abreast of any changes. 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.
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