Freely Journey Insurance coverage Overview

Posted 5/24/24 | Could twenty fourth, 2024

I by no means depart house with out journey insurance coverage. After over 15 years on the street, I’ve realized firsthand how vital it’s. Not solely has it helped me cope with misplaced baggage, canceled flights, and medical emergencies, but it surely’s helped numerous pals and readers of my weblog too.

Nonetheless, journey insurance coverage is a boring matter to examine. No one likes evaluating plans and studying insurance policies. Myself included. It’s the least thrilling a part of journey planning.

Fortuitously, it’s by no means been simpler to discover a plan and coverage that fits your wants and finances. Increasingly more firms are making it quick and easy to get a quote, join a plan, learn the advantageous print, and make a declare.

A kind of firms is Freely.


What’s Freely?

Freely is a journey insurance coverage firm and security app. Like many insurance coverage firms, it supplies protection so that you could be made entire ought to one thing occur (for a lined cause) whilst you’re on the street. Its base plan consists of all of the necessities I search for in an insurance coverage coverage, together with emergency medical care, emergency evacuation protection, journey interruption, misplaced baggage, and 24/7 assist.

However Freely does a number of issues otherwise too.

Freely retains its base coverage reasonably priced by not together with extra protection that you simply may not want. However you possibly can improve, for instance, to get additional protection in your gear in case you’re bringing beneficial electronics or sporting gear with you. It is a huge plus since most vacationers convey a telephone or laptop computer with them (typically each).

With most different plans, your gear is simply lined as much as $500 USD per merchandise. Freely allows you to add on to your plan to cowl your gear as much as $1,500 USD per merchandise.

However what’s actually helpful (and distinctive) is Freely’s Every day Increase complement.

Every day Boosts are insurance coverage add-ons for stuff you received’t want day-after-day, similar to protection to go snowboarding, hire a automotive, or go skydiving. Paying for these add-ons solely once you want them (on a day-by-day foundation) ensures that your coverage as a complete stays cheaper — however you get the protection you want once you want it.

For instance, snow or journey actions price simply $1 USD per day, whereas rental automotive protection is $15 USD per day (pricing varies by state). In the event you solely are going snowboarding for a number of days of your journey or received’t be renting a car in your whole trip, the every day increase ensures you aren’t paying for what you don’t want.

What Does Freely Cowl?

A screenshot of an insurance quote from Freely Travel InsuranceA screenshot of an insurance quote from Freely Travel Insurance
Freely insurance policies have a reasonably wide selection of protection. At present, plans embody protection for the next:

Emergency Medical Bills
That is a very powerful part of any insurance coverage plan. It’s what’s going to come into play in case you fall down some stairs and break a leg or are hospitalized since you get hit by a automotive, get sick, and many others. In brief, in case you’re despatched to a hospital or physician, that is what provides you emergency medical protection.

I all the time suggest vacationers have no less than $100,000 USD in protection as a result of hospital payments add up quick. Freely provides $500,000 USD in protection on the bottom plan. That’s a excessive restrict and might cowl you for all the pieces the street throws your manner.

Emergency Evacuation and Repatriation
Medical and emergency evacuations could be extremely costly. These is perhaps required in case you get injured whereas mountain climbing and must be airlifted to the hospital, or if it’s important to be repatriated to your house nation.

Incidents like these can price upwards of $250,000 USD, which is sufficient to bankrupt most vacationers. Fortuitously, Freely’s base coverage covers as much as $1,000,000 USD for emergency evacuations. That’s greater than a number of different insurance coverage firms supply do you have to want an emergency evacuation.

Emergency Dental Expense
I all the time admire journey insurance coverage insurance policies that cowl emergency dental care. Freely provides $1,000 USD for emergency protection on its base plan. This doesn’t imply you possibly can go get a dental check-up you probably have a cavity or desire a cleansing, however relatively that you simply’ll be capable to see a dentist do you have to expertise an unexpected emergency or sudden ache whereas in your journey.

Unintended Dying and Dismemberment
No one needs to consider the worst-case situation of dying on the street (I certain don’t) however figuring out that your insurance coverage coverage can cowl these eventualities provides a number of peace of thoughts. For instance, the coverage pays $50,000 USD for unintended demise, which (to not get too morbid) will doubtless be useful to your family members ought to the worst happen.

Journey Interruption
Whenever you miss a part of your journey or need to return house early as a result of eligible unexpected circumstances (similar to sickness or harm), Freely will reimburse you as much as 150% of the price of the journey. Contemplating how typically flights are delayed and the way typically a pure catastrophe happens, it is a strong addition and one thing not a number of reasonably priced plans embody.

Misplaced, Stolen, or Broken Baggage
Freely’s protection for misplaced or stolen baggage is just like different firms, in that there’s a per-item restrict of $500 USD and a complete cap of $2,500 USD. Whereas that’s good for lots of drugs, similar to a fundamental digital digicam or sporting gear, it could not cowl your entire value of a laptop computer or extra heavy-duty digicam.

Nonetheless, as I discussed above, you should buy an add-on for added protection. This can bump your baggage per-item restrict to $1,500 USD and the full restrict to $5,000 USD. Your digital {and professional} gear protection is $2,000 USD, which supplies substantial protection in your telephone or laptop computer.

Whereas the fee for this improve will differ, utilizing the instance under (a month lengthy journey to Thailand), it might price round $23 USD for the add-on. That’s tremendous reasonably priced.

Baggage Delay
It is a good perk for anybody who isn’t touring carry-on solely. Basically, in case your baggage is delayed 12 hours or extra, you’ll qualify for as much as $250 USD so you should buy essential clothes and private objects (inside an inexpensive restrict). With Baggage Improve this profit could be elevated by $100 USD.

Word: As with all insurance coverage plan, you’ll need to learn the advantageous print of your coverage for extra info. Moreover, particulars is perhaps completely different primarily based on the place you reside, so all the time double-check whereas researching simply to be protected.

What’s NOT Coated?

Freely is primarily geared towards protecting medical emergencies and fundamental journey mishaps (like delays and misplaced baggage). It’s good follow to let you know what’s not lined, similar to the next:

  • Alcohol- or drug-related incidents
  • Any electronics over $500 USD (with out an add-on)
  • Sure high-risk actions (e.g., driving in a motorized vehicle competitors)
  • Participation in skilled or newbie athletics competitions
  • Losses incurred due to a pre-existing medical situation.

In the event you’re unsure if the exercise you need to do is roofed, or in order for you extra details about what isn’t lined, attain out to Freely straight.

At present, Freely’s insurance policies can be found solely to residents of the US and Australia. Protection described on this article is particular to the US product.

How A lot Does Freely Price?

You may get a quote on-line at in lower than one minute. You simply have to enter fundamental info, like the place you reside, the place you’re going, how lengthy you’re touring for, and the way a lot your journey prices.

For instance, somebody aged 30 going from the US to Thailand for one month pays round $40 USD for base protection. That’s for a visit costing round $2,000 USD and never together with any extras or Every day Boosts.

Click on right here to get a quote from Freely.

One factor I like about Freely relating to getting quotes is that they let you know what isn’t lined. A variety of firms simply indicate that (i.e., if it’s not talked about, it’s not lined).

Freely, alternatively, explicitly provides reminders of what’s not lined once you’re searching for a coverage, in order to make sure that your expectations are correct.

A screenshot of coverage from Freely Travel InsuranceA screenshot of coverage from Freely Travel Insurance

Professionals of Freely

  • 24/7 emergency help
  • Emergency medical protection
  • Emergency Evacuation and journey interruption protection
  • Protection for misplaced, stolen, or broken baggage
  • COVID protection
  • Every day add-ons out there for additional gear and actions

Cons of Freely

  • Solely out there within the US and Australia
  • Downloading the app is required


Who’s Freely For — and NOT For?

Freely may be very reasonably priced, making it a strong selection for backpackers and finances vacationers. Lengthy-term vacationers who’re extra versatile with their plans may also admire having the ability to replace their coverage proper within the app.

It’s additionally an ideal selection for adventurous vacationers since you possibly can add Every day Boosts for issues like skydiving, scuba diving, and many others.

Freely’s app additionally sends out security alerts and COVID updates, making it a very good possibility for these involved about questions of safety. As a result of Freely depends on an app, they’re in a position to pinpoint your location to make sure vital native security updates get to you. I can’t consider one other insurance coverage firm that provides that form of service, guaranteeing your peace of thoughts irrespective of the place you’re going.

On the flip facet, Freely could also be irritating for anybody who doesn’t need to obtain and use an app. Most of Freely’s providers (making a declare, altering or updating your coverage) are solely out there within the app. Whereas this makes it streamlined and handy in some methods, those that need to have the ability to entry and handle their account on a pc may need to select a distinct firm.


I feel shopping for journey insurance coverage needs to be a easy and easy course of. Discovering a coverage shouldn’t be completely mind-numbing or time-consuming. And whereas Freely continues to be fairly new available on the market, it has a number of potential. Its app makes discovering the knowledge you want a breeze, and the extras and Every day Boosts add customization I hope extra firms embrace. I feel it’s a worthwhile firm to take a look at once you’re buying round for a plan.

Click on right here to study extra and get a quote at present!

E-book Your Journey: Logistical Ideas and Tips

E-book Your Flight
Use Skyscanner to discover a low cost flight. They’re my favourite search engine as a result of they search web sites and airways across the globe so that you all the time know no stone is left unturned.

E-book Your Lodging
You may ebook your hostel with Hostelworld as they’ve the most important stock and finest offers. If you wish to keep someplace apart from a hostel, use as they persistently return the most cost effective charges for guesthouses and low cost resorts.

Searching for the Finest Corporations to Save Cash With?
Try my useful resource web page for the most effective firms to make use of once you journey. I record all those I exploit to save cash after I’m on the street. They’ll prevent cash once you journey too.

Wish to Journey for Free?
Journey bank cards assist you to earn factors that may be redeemed at no cost flights and lodging — all with none additional spending. Try my information to choosing the right card and my present favorites to get began and see the newest finest offers.

Want Assist Discovering Actions for Your Journey?
Get Your Information is a big on-line market the place yow will discover cool strolling excursions, enjoyable excursions, skip-the-line tickets, non-public guides, and extra.

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