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Are you looking at choosing Freely for your travel insurance? We’ve combed the fine-print to answer your questions about Freely, their travel insurance plans, any important exclusions, and which policy add-ons you might need, so you can make a more informed decision.

About Freely

Freely is a relatively new addition to the travel insurance game, but comes backed by Cover-More, underwritten by Zurich Australian Insurance Limited. Freely aims to change the perception of travel insurance from a “begrudging holiday tax to a useful and valued travel companion.”

Cover information and limits in the table below verified as correct at 22 June 2024. Other information correct at the time of writing.

Freely plans

Currently, Freely offers domestic travel insurance and international travel insurance, including optional, limited cover for certain COVID-19-related claims. 

They only provide one policy level, known as Mandatory Benefits. This policy has a domestic and an international version, with different inclusions and limits depending on if you’re heading overseas or staying in Australia. 

They offer a few extras which you can add to your policy, which they call Boosts. These Boosts can help you to tailor the policy to your needs and must be purchased before you depart on your journey.  

There are also extras, known as pay-per-day Boosts, which as the name suggests incur a daily charge. These options are useful if you need to tailor your insurance to cover the kinds of activities you’ll be participating in or the purpose of your trip. These include, but are not limited to, snow sports and cruise cover.

Check out the data table below to see an overview of the kinds of plans Freely offers.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • International Travel Insurance

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • $5,000 limit per policy with option to increase limit

    • Up to $10,000, maximum $750 per item

    • Unlimited

    • Unlimited

    • $2,000

    • $25,000

    • $25,000

    • $1,000

    • Optional extra, up to $10,000

    • $2,000

    • $3,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

What other optional extras can I add to my Freely policy?

If you want to tailor your coverage and opt for extra inclusions for the entirety of your overseas trip, then you can choose from Freely’s Boosts for some extra cover, at an extra premium.

Freely also offers pay-per-day Boosts, which you can add on at any time for an extra charge. It’s a flexible option for certain types of cover which you might only need for one day at a time. 

These add-ons will increase the premium you pay, but without them, you may not be covered for anything that happens related to these sorts of claims or activities. 

Always be sure to check out the PDS to find details regarding limits on cover amounts and general exclusions. 

Snow sports cover

Snow insurance cover is vital if you’re hitting the ski fields. Without it, you won’t be covered for any claims related to skiing, snowboarding, or snowmobiling. Freely offers a snow insurance cover Boost (at an additional premium).

Cruise cover

If you are travelling for two or more nights on a cruise ship, then you may need cruise travel insurance for any coverage related to that portion of your journey. 

Adventure activities cover

With Freely, there are many activities automatically included across all policy plans. But for those who are a little more adventurous, some activities require you to purchase the Adventure Activities and Adventure Activities+ optional add-ons. 

If you’re planning on participating in adventure activities, then you may want to add this optional extra to your Freely policy. But note, if you’re engaging in these activities in a professional capacity, you may not receive the benefits of your policy on any claims you make. 

If you think you might be participating in an activity that is particularly risky, then it’s always best to double-check the PDS, in case your activity isn’t covered, or if there are conditions. 

Motorcycle and moped riding cover

If you plan on riding a motorcycle or moped on your trip, then purchasing extra cover for these activities can cover you in case something goes wrong.

Rental vehicle excess

If you’re renting a vehicle on your overseas trip, then you might want to get cover for rental vehicle excess, in case you have an accident on the road.

Does Freely travel insurance have COVID-19 coverage? 

Freely does cover some COVID-19-related claims. Always read the PDS to make sure you understand what circumstances are required to receive your cover level’s benefits. 

Are pre-existing medical conditions covered under Freely travel insurance?

Freely provides cover for travelling with pre-existing conditions. Some pre-existing conditions are automatically covered under Freely’s policies, but they may have additional criteria relating to your eligibility for coverage. 

If your pre-existing condition isn’t listed among the automatically covered ones, then you may still be able to apply to cover them. This includes automatically included conditions for which you do not meet the eligibility requirements. 

To get your pre-existing condition covered, you can contact Freely through the app, or by calling them. 

What do I do if there’s an emergency during my trip? 

If there’s an emergency during your overseas trip, call Freely on their emergency assistance line. Depending on where you’re calling from, the number will vary. See below for the numbers you can call, toll-free. 

The emergency assistance line is available 24/7 if you need it. Freely’s team will be able to help you out with things like finding medical facilities and emergency hospital expenses, among other things. When you call, make sure you have your policy number and a phone number that they can call you back on if need be.

How do I make a claim with Freely travel insurance? 

You can submit your claim through the Freely app on your smartphone. To register a claim with Freely, you will need to have all the relevant documentation to support your claim, like receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs.

If you can’t complete your claim through the app, then you can either email your documents to Freely at or by posting them to: 


C/o Cover-More 

Private Box 913

North Sydney NSW 2059


Remember that when you post your documents, you should always have a copy of them stored safely with you, in case they get lost along the way.

If you need help submitting your claim, you can email them at 

Is it possible to cancel my Freely travel insurance policy?

You can cancel your Freely Mandatory benefits or boosted policy and receive a full refund within 21 days of purchasing it, provided you haven’t started your journey or intend to make a claim. If your trip has started and you still feel like cancelling your policy, you can get a partial refund of the premium you’ve paid, depending on the unexpired period of your coverage. 

If you would like to cancel, contact Freely on 1300 772 183 (within Australia) or +61 2 8907 5987 (from Overseas), or via email at 

Freely customer reviews

Freely travel insurance

Overall 10.0


Value for money


Policy coverage


Customer service



1 Reviews

Recent Freely travel insurance customer reviews Recent Freely travel insurance customer reviews

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Freely Travel Insurance review

Overall rating   10 / 10

Terrific to deal with

The service from the very beginning of my dealings with Freely was utterly professional and quick , I am yet to make a claim with them but I am confident there will not be a problem

Full review

The service from the very beginning of my dealings with Freely was utterly professional and quick , I am yet to make a claim with them but I am confident there will not be a problem

    Value for money   10 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Trust   10 / 10


Anthony, South Australia, reviewed 3 months ago

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