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.
Freely was recognised as a Highly Commended travel insurer in the 2025 Finder Travel Insurance Awards.
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.
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
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
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
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 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.
Freely is administered by Cover-More Insurance Services and the issuer of insurance is Zurich Australian Insurance Limited.
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
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.
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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