Who is the underwriter for Freely travel insurance?

Freely is administered by Cover-More Insurance Services and the issuer of insurance is Zurich Australian Insurance Limited.

Is there an age limit on its policies?

Yes, you must be 99 years old and under to be insured. If you're over 99 and still keen to travel, check out our full list of senior travel insurance providers.

Yes, provided they are: Identified on the Certificate of Insurance Under the age of 21 years Travelling with you throughout your trip Not in full-time employment Financially dependent on you

Is coverage included for pregnancy?

Yes, up to the start of the 24th week for a single-child pregnancy. Multiple pregnancies, medically-assisted pregnancies and pregnancies with known complications are not covered.

Freely Travel Insurance: Here's what we thought about it

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You could update your policy or make a claim in the palm of your hands by using the Freely app.
Freely has a wide range of add-ons to tailor the coverage of your policy, including Cruise Cover and Snow Sports cover.

Pros

Freely travel insurance offers unlimited cover for overseas medical expenses, as well as additional expenses incurred if you become sick while travelling.
Customers can opt to have cover only on the days you need it, potentially reducing their premium.
Access to Freely's loyalty program, Freely Travel Rewards. Perks include Uber Gift Cards, LoungePair Airport Lounge Passes and more.

Cons

You'll need to pay extra to add policy features such as cruise cover, car rental excess and adventure sports.

Find a Freely travel insurance policy

6 of 6 results

Theft or damage to luggage	Rental car excess insurance	Standard excess	Theft of cash
Freely Travel Insurance Overseas Explorer Pro Cover	$15,000	$10,000	$300	$500	Get quote View details Compare product selectionCompare	loading
Freely Travel Insurance Overseas Explorer Cover	$10,000	$5,000	$300	$250	Get quote View details Compare product selectionCompare	loading
Freely Travel Insurance Domestic Explorer Cover	$5,000	$5,000	$50	$250	Get quote View details Compare product selectionCompare	loading
Freely Travel Insurance Domestic Essentials Cover	No Cover	No Cover	$50	$0	Get quote View details Compare product selectionCompare	loading
Freely Travel Insurance Overseas Essentials Cover	$5,000	No Cover	$300	$0	Get quote View details Compare product selectionCompare	loading
Freely Travel Insurance Domestic Explorer Pro Cover	$10,000	$8,000	$50	$500	Get quote View details Compare product selectionCompare	loading

Showing 6 of 6 results

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Summary of Freely's Overseas Explorer policy

Overseas Medical and Hospital Expenses	Unlimited
Cancellation and Amendment Fees	$5,000
Luggage and Personal Effects	$10,000
Maximum Age Limit	99

^{Table updated March 2026}

What policies does Freely offer?

Freely offers 6 types of travel insurance policies for domestic and international travel, allowing customers to purchase the right policy based on their needs and budget. They are:

Overseas Explorer Pro
Overseas Explorer
Overseas Essentials
Domestic Explorer Pro
Domestic Explorer
Domestic Essentials

You can apply and purchase a policy from Freely's website or through the app. This is also where you'll find full details of your cover options. Freely is a brand of Cover-More Insurance Services Pty Ltd, who administers the Freely Travel Insurance Product and Cancellation plan on behalf of the product issuer, Zurich Australian Insurance Limited.

There is a 21-day cooling-off period, which means if you change your mind and decide to cancel your policy within this period, Freely will refund your premium in full. The standard excess is $300, however customers can also select between a $200 or $500 excess.

Here's a breakdown of Freely travel insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

A Freely travel insurance policy has many inclusions to cover you for a variety of scenarios before and during your trip. We've highlighted some of the main benefits included in the Overseas Explorer policy to help you decide if Freely is the right option for you:

Cancellation and amendment
Overseas medical and dental
Additional expenses
Personal liability
Emergency evacuation

Luggage Cover
Passport and travel documents
Accidental death
Disability cover
Emergency repatriation

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Optional add-ons

Freely travel insurance's main difference is the sheer amount of additional cover you can add on to tailor your insurance policy. Freely's add-ons are referred to as "Trip Extras". Some of the Trip Extras cover you for your entire trip, while for others you can choose which days you will need the cover and pay for just that period.

Snow sports
Cruise
Adventure activities

Motorcycle or moped riding
Cancellation
Luggage item limit increase

Exclusions

When considering insurance policies, it's very important to consider which circumstances will not be covered. These are usually listed as "general exclusions" in a PDS. Freely won't cover you when your claim arises if:

It is a result of war, invasion, the act of a foreign enemy, rebellion or revolution
It is related to any unlawful act committed by you
You decide to travel against medical advice or to obtain medical treatment
It is related to pregnancy after the start of the 24th week, childbirth or any medical complication you were already aware of
It is due to the chronic use of alcohol, substance abuse or the ingestion of any non-prescription drug - though Freely does have a 0.19% BAC limit
It relates to a pre-existing medical condition you have not had approved by Freely
Self-inflicted injury or illness, suicide or attempted suicide
Participating in hunting, hang gliding or running with the bulls

Make sure you review Freely's PDS for a detailed breakdown of what is and isn't covered.

How to make a Freely travel insurance claim

As with other aspects of Freely, the easiest way to make a claim is through its app:

Open the app on your phone or tablet.
Follow the prompts to answer the questions relevant to your claim.
Complete the checklist of supporting documents.
Submit claim.

If you are unable to upload all the supporting documents or simply prefer not to use the app, you can email Freely at claims@gofreely.help.

Alternatively, you can mail your documents to:

Freely
C/o Cover-More
Private Box 913
North Sydney NSW 2059
Australia

Here's the bottom line about Freely travel insurance

For those who embrace the ease and portability of a mobile app, Freely will be a refreshing change. You can apply for your travel insurance, add on optional cover as you go and even claim if you need to, all through the Freely app. It's one of the most customisable policies we've seen, which means you'll only pay for the cover that you need.

If you're not keen on using the app, rest assured, you'll be able to comfortably set up and manage your Freely travel insurance policy. You'll also be able to get cover for over 30 pre-existing conditions. If your existing medical condition falls outside the criteria or isn't on the list, Freely may still be able to provide cover for your condition, subject to the outcome of a short medical assessment.

Not quite sure about Freely? You can compare a range of other travel insurance companies here.

Frequently asked questions

Yes, provided they are:
- Identified on the Certificate of Insurance
- Under the age of 21 years
- Travelling with you throughout your trip
- Not in full-time employment
- Financially dependent on you

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Written by

Cristal Dyer

Writer

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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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Freely Travel Insurance

Our verdict: You can take your insurance coverage into your hands with Freely’s customisable policy and app, but this modern approach won’t suit all travellers.