Make the world your classroom. Whether you’re doing an overseas university exchange program or going away for semester break, our Overseas Explorer Plan provides students with an extra layer of protection while you’re away.
Freely’s Overseas Explorer Plan can provide an extra layer of protection when you’re travelling abroad. Here are some benefits that student travellers might enjoy.
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.
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.
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!
The Australian Government website Smartraveller considers travel insurance “as important as a passport” if you’re heading overseas – and students are no exception!
If you get sick or injured while you’re overseas, the cost of medical treatment can be a real nightmare – this is especially true if you are somewhere with an expensive healthcare system. Travel insurance can provide a layer of protection against unexpected medical costs that may arise while abroad.
For students who like to travel with smartphones, cameras and laptops, travel insurance can also come in handy if those items are damaged or stolen while travelling, as well as other valuable belongings like passports.
Besides offering cover for things like medical incidents and damaged belongings, Freely gives travelling students 24-hour access to medical and emergency support and live chat with our customer support team, both accessible in just a few clicks when you have the Freely app downloaded to your phone.
Freely is a travel insurance and safety app that provides cover for all sorts of sticky situations you might encounter when travelling or studying overseas, from medical emergencies to laptop theft.
Freely’s Overseas Explorer Plan offers unlimited* medical and emergency dental cover (*cover will not exceed 12 months from onset of illness or condition), 24-hour medical and emergency assistance and telehealth access, with e-script capabilities in over 70 countries and across dozens of languages. Plus, with the Freely app, you’ll receive real-time safety alerts for your location.
Students travelling with Freely can also enjoy cover for their trip and belongings, live chat with our team, as well as the option to add extra cover for activities on-the-go, such as snow sports and moped rental, with our Daily Boosts.
Please note, however, that university fees are not considered a travel expense under the policy and therefore aren’t covered.
Freely’s Overseas Explorer Plan automatically covers a wide range of activities you might do when travelling or studying abroad.
These include abseiling, archery, ballooning, bungee jumping, flying fox, horse riding, jet and banana boating, sail boarding, off-road or 4WD driving (organised tour), mountain biking, jet skiing, kayaking, paragliding, parasailing, snorkelling, white water rafting, surfing, safari tours and scuba diving (up to 30 metres if diving with a diving school or qualified instructor).
If you want to take part in a higher-risk activity, we offer a range of pay-per-day Daily Boosts that you can add to your base policy for the days you need extra cover. Once you’ve added and paid for a Daily Boost using the Freely app, your extra cover kicks in immediately.
For instance, our Snow Sports Boost covers you for skiing, snowboarding and snowmobiling. Our Adventure Activities Boost extends our cover to things like triathlons, rock climbing, skydiving and trekking. If you’d like to ride a scooter or motorcycle overseas (even as a passenger), you will need to add our Motorcycle and Moped Riding Boost in order to be covered.
Conditions and exclusions apply. Be sure to read our PDS to understand what’s covered.
Here are some helpful tips to consider ...
Often, being a student gives you access to cheaper deals on transport, tech, travel and even food. Use your student ID wherever possible!
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 benefits, conditions and exclusions, as well as our complaints-handling procedure – among other things.
Give someone back home a detailed itinerary, and make a plan to keep in touch regularly. We suggest adding an emergency contact to your account in the Freely app too, so they can be reached if required.
