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Freely Journey Insurance coverage Evaluation

A lone hiker taking in the epic view while hiking in the mountains
Posted 5/24/24 | Might twenty fourth, 2024

I by no means go away dwelling with out journey insurance coverage. After over 15 years on the highway, I’ve realized firsthand how necessary it’s. Not solely has it helped me take care of misplaced baggage, canceled flights, and medical emergencies, nevertheless it’s helped numerous associates and readers of my weblog too.

Nevertheless, journey insurance coverage is a boring subject 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 corporations are making it quick and easy to get a quote, join a plan, learn the nice print, and make a declare.

A type of corporations is Freely.


What’s Freely?

Freely is a journey insurance coverage firm and security app. Like many insurance coverage corporations, it gives protection so that you could be made complete ought to one thing occur (for a coated purpose) when you’re on the highway. Its base plan contains 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 number of issues in another way too.

Freely retains its base coverage reasonably priced by not together with extra protection that you just won’t want. However you’ll be able to improve, for instance, to get additional protection to your gear in case you’re bringing priceless electronics or sporting gear with you. This can be a large plus since most vacationers convey a telephone or laptop computer with them (usually each).

With most different plans, your gear is simply 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 Increase complement.

Each day Boosts are insurance coverage add-ons for belongings you gained’t want daily, equivalent to protection to go snowboarding, hire a automobile, or go skydiving. Paying for these add-ons solely if 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 if you want it.

For instance, snow or journey actions price simply $1 USD per day, whereas rental automobile protection is $15 USD per day (pricing varies by state). When you solely are going snowboarding for a number of days of your journey or gained’t be renting a automobile to your total trip, the every day enhance 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 embrace protection for the next:

Emergency Medical Bills
That is an important element of any insurance coverage plan. It’s what is going to come into play if you happen to fall down some stairs and break a leg or are hospitalized since you get hit by a automobile, get sick, and so forth. In brief, if you happen to’re despatched to a hospital or physician, that is what provides you emergency medical protection.

I at all times suggest vacationers have at the very least $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 things the highway throws your approach.

Emergency Evacuation and Repatriation
Medical and emergency evacuations could be extremely costly. These could be required if you happen to get injured whereas mountaineering and must be airlifted to the hospital, or if it’s a must to be repatriated to your property nation.

Incidents like these can price 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 a variety of different insurance coverage corporations provide do you have to want an emergency evacuation.

Emergency Dental Expense
I at all times respect 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’ll be able to go get a dental check-up when you have a cavity or desire a cleansing, however slightly that you just’ll be capable to 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 situation of dying on the highway (I positive don’t) however understanding that your insurance coverage coverage can cowl these eventualities provides a variety of peace of thoughts. For instance, the coverage pays $50,000 USD for unintended loss of life, 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 must return dwelling early because of eligible unexpected circumstances (equivalent 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 a variety of reasonably priced plans embrace.

Misplaced, Stolen, or Broken Baggage
Freely’s protection for misplaced or stolen baggage is just like different corporations, 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, equivalent to a primary digital digicam or sporting gear, it might not cowl the whole worth of a laptop computer or extra heavy-duty digicam.

Nevertheless, as I discussed above, you should purchase an add-on for extra protection. It will bump your baggage per-item restrict to $1,500 USD and the entire restrict to $5,000 USD. Your digital {and professional} gear protection is $2,000 USD, which gives substantial protection to your telephone or laptop computer.

Whereas the price for this improve will fluctuate, 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
This can be 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 needed clothes and private objects (inside an inexpensive restrict). With Baggage Improve this profit could be elevated by $100 USD.

Word: As with every insurance coverage plan, you’ll wish to learn the nice print of your coverage for extra data. Moreover, particulars could be completely different based mostly on the place you reside, so at all times double-check whereas researching simply to be secure.

What’s NOT Lined?

Freely is primarily geared towards protecting medical emergencies and primary journey mishaps (like delays and misplaced baggage). It’s good observe to let you know what’s not coated, equivalent 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 motorcar competitors)
  • Participation in skilled or novice athletics competitions
  • Losses incurred due to a pre-existing medical situation.

When you’re undecided if the exercise you wish to do is roofed, or in order for you extra details about what shouldn’t be coated, attain out to Freely instantly.

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 may 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 with regards to getting quotes is that they let you know what isn’t coated. Lots of corporations simply indicate that (i.e., if it’s not talked about, it’s not coated).

Freely, alternatively, explicitly provides reminders of what’s not coated if you’re on the lookout 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
  • Each 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 could be very reasonably priced, making it a strong alternative for backpackers and price range vacationers. Lengthy-term vacationers who’re extra versatile with their plans will even respect with the ability to replace their coverage proper within the app.

It’s additionally an incredible alternative for adventurous vacationers since you’ll be able to add Each day Boosts for issues like skydiving, scuba diving, and so forth.

Freely’s app additionally sends out security alerts and COVID updates, making it a great possibility for these involved about issues of safety. As a result of Freely depends on an app, they’re in a position to pinpoint your location to make sure necessary native security updates get to you. I can’t consider one other insurance coverage firm that provides that sort 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 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 would possibly wish to select a special firm.


I feel shopping for journey insurance coverage must 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 available on the market, it has a variety of potential. Its app makes discovering the data you want a breeze, and the extras and Each day Boosts add customization I hope extra corporations embrace. I feel it’s a worthwhile firm to take a look at if you’re purchasing round for a plan.

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

Guide Your Journey: Logistical Ideas and Tips

Guide 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.

Guide Your Lodging
You possibly can e book your hostel with Hostelworld as they’ve the most important stock and greatest offers. If you wish to keep someplace apart from a hostel, use Reserving.com as they constantly return the most cost effective charges for guesthouses and low-cost inns.

Searching for the Greatest Firms to Save Cash With?
Take a look at my useful resource web page for the most effective corporations to make use of if you journey. I record all those I take advantage of to save cash once I’m on the highway. They may prevent cash if you journey too.

Wish to Journey for Free?
Journey bank cards can help you earn factors that may be redeemed free of charge flights and lodging — all with none additional spending. Take a look at my information to choosing the right card and my present favorites to get began and see the most recent greatest offers.

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

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