Get 10% off Freely travel insurance policies
| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | $5,000 |
| Luggage and Personal Effects | $10,000 |
| Maximum Age Limit | 99 |
Freely received the highly commended award for 'Digital Disruptor of the Year' in the 2023 Innovation Awards.
Full list of 2023 winnersFreely travel insurance is one of a growing number of insurers that offer some cover for COVID-related claims. The key benefits covered by Freely are:
There are some scenarios that are not covered by Freely, including government-imposed quarantine or isolation and multi-night cruises. You should review the Freely travel insurance Product Disclosure Statement (PDS) before making a decision on whether this cover meets your needs.
Freely offers 2 main types of travel insurance policies: Overseas Explorer and Domestic Explorer. 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. Here are some of the main insured events a policy can cover you for:
Overseas Explorer
Domestic Explorer
Freely is administered by Cover-More Insurance Services and the issuer of insurance is 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 excess is $250 for the Overseas Explorer policy and $50 for the Domestic Explorer. Special excesses may apply for COVID-19 claims and optional add-ons.
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:
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 "Boosts". Some of the Boosts 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.
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:
Make sure you review Freely's PDS for a detailed breakdown of what is and isn't covered.
As with other aspects of Freely, the easiest way to make a claim is through its app:
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
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.
The sole reliance on an app can also mean that some people will get left behind if they're not comfortable setting up and maintaining a travel insurance policy all through their mobile phone. If you have pre-existing conditions that are not listed as standard, you'll be out of luck as well here.
Not quite sure about Freely? You can compare a range of other travel insurance companies here.
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