Freely Travel Insurance

Freely Travel Insurance review

More spontaneous travel is on the agenda with the ability to add extra cover on the go when you need it.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our Verdict

    • Freely's On-trip Policy offers unlimited cover for both overseas medical and dental expenses, as well as additional expenses incurred if you become sick while travelling.
    • It is one of a few travel insurance brands we found that offer specific cover for pandemic-linked expenses.
    • This brand's personal liability cover of up to $1 million for overseas travel is one of the lowest amongst its competitors.

    Find a Freely Travel Insurance policy

    1 - 2 of 2
    Name Product COVID-19 medical expenses Border closure cover Theft or damage to luggage Rental car excess insurance Standard excess
    Freely On-Trip Policy (The Essentials) - International Trip
    Freely On-Trip Policy (The Essentials) - Domestic Trip

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    Pros and cons of Freely Travel Insurance


    • An easy-to-customise policy that can be managed on the go through Freely's app.
    • Only pay for the cover that you need as just the essentials are included as standard.
    • Extras can be included during your trip for only the number of days needed.
    • Access a 24/7 emergency assistance team while you are overseas.


    • Personal liability cover of $1 million for overseas travel is much lower than competitors.
    • You cannot get cover for any pre-existing conditions not listed as standard.
    • Freely has many exclusions around pregnancy-related claims.

    What policies are available with Freely Travel Insurance?

    Freely offers 2 main types of travel insurance policies which you can then add additional cover to as needed. Your choices include:

    • Cancellation plan. Freely's standard offering to cover you if something unexpected happens and you need to cancel your trip
    • On-trip policy. A more comprehensive option that also includes cover for overseas medical expenses, dental costs, travel documents, accidental death or disability, and personal liability benefits.

    Will Freely Travel Insurance cover COVID-19?

    Freely Travel Insurance is one of a growing number of insurers that offer some cover for COVID-related claims. The 3 key benefits covered by Freely are:

    • Medical expenses if you are diagnosed while on your journey (On-trip Policies only).
    • Cancellation and amendment costs if you or a relevant person are diagnosed before or during your trip and it's interrupted or cut short. This only applies if you bought a policy at least 21 days before your departure.
    • Additional expenses including accommodation and transport if you become sick or die while travelling.

    There are some scenarios that are not covered and you should review the Freely Travel Insurance Product Disclosure Statement (PDS) before making a decision on whether this cover meets your needs.

    Freely's COVID-19 exclusions include:

    • Travel to a destination that Smartraveller has rated a "Level 4" before you decided to travel.
    • A trip that is disrupted due to government restrictions imposed in your destination country on travellers from countries you have visited en route.
    • Costs related to lockdowns or government restrictions outside of Australia or New Zealand.

    Here's a rundown of Freely Travel Insurance

    Choosing a travel insurance policy is a process that can involve a fair bit of reading. When doing your research, 3 of the most important aspects to review are what's covered, what's not covered and what can you add on if you need to.

    Take the time to read the Product Disclosure Statement in full so you can be confident you're getting the right amount of cover while you're away.

    Standard benefits

    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 On-trip Policy to help you decide if Freely is the right option for you:

    • Cancellation and Amendment for when you need to cancel or change your trip due to an unforeseeable event such as a natural disaster or a death in the family.
    • Overseas Medical and Dental if something goes amiss when you're on your trip and you need to visit the hospital or get other necessary medical care.
    • Additional Expenses such as additional accommodation and travel expenses are covered if your trip is disrupted due to illness or injury.
    • Passport and Travel Documents covers ​​the cost of replacing travel documents and credit cards that are lost or stolen on your trip.
    • Accidental Death will pay a benefit in the event that you die due to an injury suffered on your trip.
    • Disability Cover will pay a benefit if you suffer a permanent injury due to an incident on your trip.
    • Personal Liability covers you if you're overseas and end up owing compensation to someone else due to your negligent act.

    Optional extras

    Freely Travel Insurance's main difference is the sheer amount of additional cover you can add on to tailor your insurance policy. The selection of 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.

    These Boosts are added before you depart and cover your entire trip duration:

    • Luggage Cover provides you with the benefits if your gear gets damaged, lost or stolen on your trip.
    • Specified Items Cover can be added when Luggage Cover is purchased to cover items that are worth more than $750.
    • Gadget Cover is similar to specific items cover, but will cover electronics that you're travelling with such as cameras, smartphones and laptops worth more than $750 up to a set limit.
    • Cancellation Cover increases your cancellation and amendment benefits above the standard cover.
    • The Flight Inconvenience Bundle includes covers for travel delay expenses if your prepaid transport is temporarily delayed and resumption of journey costs if you need to return home due to the sudden serious injury, sickness or death of a relevant person.

    These Boosts can be added before or during your trip, and you can select which specific days you want to be covered:

    • Cruise Cover includes both medical benefits and cover for missed shore excursions while on a multi-night cruise.
    • Rental Vehicle Insurance Excess covers the excess that you are liable to pay if your rental vehicle is damaged or stolen.
    • Adventure Activities covers you for activities that are considered riskier than the activities already included in your standard cover such as skydiving and trekking at high altitudes.
    • Motorcycle or Moped Riding Cover is necessary for when you're a passenger or in control of a motorcycle or moped.
    • Snow Sports Cover will insure you while snow skiing, snowboarding or snowmobiling.

    General exclusions

    When considering insurance policies, it's very important to consider which circumstances you will not be covered for. 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.
    • It relates to a pre-existing medical condition you have not had approved by Freely.

    How to make a claim on Freely Travel Insurance

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

    1. Open the app on your phone or tablet.
    2. Follow the prompts to answer the claim information relevant to your claim.
    3. Complete the checklist of supporting documents.
    4. 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

    Alternatively, you can mail your documents to:

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

    Frequently asked questions about Freely

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