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Freely Journey Insurance coverage Overview

A lone hiker taking in the epic view while hiking in the mountainsA lone hiker taking in the epic view while hiking in the mountains
Posted 5/28/24 | Could twenty eighth, 2024

I by no means depart dwelling with out journey insurance coverage. After over 15 years on the highway, I’ve discovered firsthand how essential it’s. Not solely has it helped me cope with misplaced baggage, canceled flights, and medical emergencies, nevertheless it’s helped numerous mates 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.

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

A type 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 might be made entire ought to one thing occur (for a coated purpose) whilst you’re on the highway. 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 help.

However Freely does a couple of issues otherwise too.

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

With most different plans, your gear is just coated 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 Each day Enhance complement.

Each day Boosts are insurance coverage add-ons for stuff you received’t want daily, 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 an entire stays inexpensive — however you get the protection you want once you want it.

For instance, snow or journey actions value 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 couple of days of your journey or received’t be renting a car in your total trip, the day by 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 fairly wide selection of protection. Presently, plans embody protection for the next:

Emergency Medical Bills
That is a very powerful element of any insurance coverage plan. It’s what is going to come into play for those who 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, for those who’re despatched to a hospital or physician, that is what affords you emergency medical protection.

I at all times advocate vacationers have not less than $100,000 USD in protection as a result of hospital payments add up quick. Freely affords $500,000 USD in protection on the bottom plan. That’s a excessive restrict and may cowl you for every little thing the highway throws your approach.

Emergency Evacuation and Repatriation
Medical and emergency evacuations might be extremely costly. These is perhaps required for those who get injured whereas mountaineering and have to be airlifted to the hospital, or if it’s important to be repatriated to your property nation.

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

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

Unintended Loss of life and Dismemberment
No one desires to consider the worst-case state of affairs of dying on the highway (I certain don’t) however understanding that your insurance coverage coverage can cowl these eventualities affords lots of peace of thoughts. For instance, the coverage pays $50,000 USD for unintended dying, which (to not get too morbid) will seemingly be useful to your family members ought to the worst happen.

Journey Interruption
Once you miss a part of your journey or should return dwelling early on account of eligible unexpected circumstances (similar to sickness or damage), Freely will reimburse you as much as 150% of the price of the journey. Contemplating how usually flights are delayed and the way usually a pure catastrophe happens, this can be a strong addition and one thing not lots of inexpensive plans embody.

Misplaced, Stolen, or Broken Baggage
Freely’s protection for misplaced or stolen baggage is much 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 primary digital digital camera or sporting tools, it might not cowl the complete value of a laptop computer or extra heavy-duty digital camera.

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

Whereas the price for this improve will fluctuate, utilizing the instance beneath (a month lengthy journey to Thailand), it will value round $23 USD for the add-on. That’s tremendous inexpensive.

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 purchase obligatory clothes and private objects (inside an affordable restrict). With Baggage Improve this profit might be elevated by $100 USD.

Notice: As with all insurance coverage plan, you’ll wish to learn the positive print of your coverage for extra data. Moreover, particulars is perhaps totally different primarily based on the place you reside, so at all times double-check whereas researching simply to be protected.

What’s NOT Coated?

Freely is primarily geared towards overlaying medical emergencies and primary journey mishaps (like delays and misplaced baggage). It’s good observe to inform you what’s not coated, 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 beginner athletics competitions
  • Losses incurred due to a pre-existing medical situation.

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

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

How A lot Does Freely Price?

You will get a quote on-line at freely.me in lower than one minute. You simply must enter primary data, 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 Each day Boosts.

Click on right here to get a quote from Freely.

One factor I like about Freely on the subject of getting quotes is that they inform you what isn’t coated. Loads of firms simply indicate that (i.e., if it’s not talked about, it’s not coated).

Freely, however, explicitly provides reminders of what’s not coated once you’re in search of 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

Execs of Freely

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

Cons of Freely

  • Solely obtainable within the US and Australia
  • Downloading the app is required


Who’s Freely For — and NOT For?

Freely may be very inexpensive, making it a strong alternative for backpackers and price range vacationers. Lengthy-term vacationers who’re extra versatile with their plans may also recognize with the ability to replace their coverage proper within the app.

It’s additionally an important alternative for adventurous vacationers since you possibly can add Each 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 issues of safety. As a result of Freely depends on an app, they’re capable of pinpoint your location to make sure essential native security updates get to you. I can’t consider one other insurance coverage firm that provides that form of service, making certain your peace of thoughts regardless of the place you’re going.

On the flip facet, Freely could also be irritating for anybody who doesn’t wish to obtain and use an app. Most of Freely’s companies (making a declare, altering or updating your coverage) are solely obtainable 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 would possibly wish to select a special firm.


I believe shopping for journey insurance coverage ought to be a easy and easy course of. Discovering a coverage shouldn’t be completely mind-numbing or time-consuming. And whereas Freely remains to be fairly new in the marketplace, it has lots of potential. Its app makes discovering the knowledge you want a breeze, and the extras and Each day Boosts add customization I hope extra firms embrace. I believe it’s a worthwhile firm to take a look at once you’re procuring round for a plan.

Click on right here to be taught 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 at all times know no stone is left unturned.

E book Your Lodging
You possibly can e-book your hostel with Hostelworld as they’ve the most important stock and finest offers. If you wish to keep someplace aside from a hostel, use Reserving.com as they persistently return the most affordable charges for guesthouses and low-cost resorts.

In search of the Finest Corporations to Save Cash With?
Take a look at my useful resource web page for the most effective firms to make use of once you journey. I record all those I take advantage of to economize once I’m on the highway. They are going to prevent cash once you journey too.

Wish to Journey for Free?
Journey bank cards assist you to earn factors that may be redeemed free of charge flights and lodging — all with none further spending. Take a look at my information to selecting the correct card and my present favorites to get began and see the most recent finest offers.

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

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