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Freely stands out among travel insurers due to its upgradeable coverage solutions. Trips can be unpredictable and Freely can cover the activities you hadn’t thought of when you paid for your policy.
Additionally, I found its platform and mobile app easy to use for booking trips, making claims, and paying for the service. If something goes wrong—for example, civil unrest or natural disasters—medical and safety experts are available 24/7 to assist you.
Freely’s policy suits flexible travelers who like to adapt their travel plans as they go along and would benefit from being able to add new coverage options to their already extensive medical, emergency, trip, and baggage protection plans. For example, if you unexpectedly need to rent a car, you can pay for an upgrade on your policy to cover potential rental car damage.
Here are Freely’s key features:
Mobile app. The app is available on Android and iOS. It lets you book a trip, get a quote, make a claim, pay for insurance, chat with live support agents, and receive safety alerts in near real time.
Multiple customer support options. You can speak to customer agents through live chat, phone, and email.
Emergency medical and safety assistance. You’ll have 24/7 telehealth support with access to medical and emergency specialists, locally and internationally.
Social good approach. Freely donates 1% of its revenue to environmental protection and community support initiatives. It partners with Seed Indigenous Youth Climate Network, The Hunger Project, and Pacific Wild.
Freely offers only one travel insurance policy—the Essentials plan—which you can bundle with additional coverage (trip extras) depending on your needs. It covers medical expenses, dental costs, hospitalization, accidental dismemberment, emergency evacuation or repatriation, trip interruptions, and delayed, damaged, or stolen belongings.
Coverage amounts include $500,000 for medical expenses, $1,000 for dental expenses, and up to $1,000,000 for emergency evacuation. If you suffer an accidental injury or death, your policy provides $50,000.
For anyone concerned about their baggage, the cover provides $250 for delays and $2,500 for lost, stolen, or damaged baggage.
Additionally, the policy offers up to 150% of your incurred travel expenses and transportation costs if your trip is delayed or interrupted by external events.
Furthermore, Freely will reimburse you up to 100% of the cost of your trip if you need to cancel due to sickness, injury, or the death of the policyholder, a traveling companion, or a non-traveling family member. Note that you must first have purchased a cancellation boost covering the full amount you would lose in the event of your trip not going ahead.
Other activity boosts or trip extras include inconvenience protection, baggage reimbursement upgrades, and cover for daily risks such as snowboarding accidents, rental car damage, and risky adventures.
To be eligible for coverage, your primary residence must be in the United States, and you must have arranged to travel and have paid the plan costs. Freely’s travel insurance depends on the US state you reside in, and you can download the full policy document when applying for cover.
Click on “Get a quote” on the homepage or app. Then enter your state of residence and click “Next.”
Select your destination, plus the departure and return dates.
Input your date of birth.
Enter the total trip cost. This will include the cost of all pre-paid, non-refundable travel arrangements. (Freely needs this information to know what to reimburse you if you cancel.)
Pick a trip booking date. Freely will now be able to generate a quote for the amount you should pay at checkout. It will also provide you with a summary of the benefits and list cover upgrade offers in the form of daily boosts and trip extras that you can pay for.
You’ll then see a summary page with information about your full insurance coverage, including an outline of the relevant legal information.
Once you’ve confirmed that the details you’ve provided are legitimate and you have no intention of defrauding the company, you can pay for your cover.
I found the application process straightforward, taking only a few minutes to complete. Once you click on “Get a quote,” the prompts guide you seamlessly through the process to obtain your travel insurance.
Even though reliable reviewers like Better Business Bureau (BBB) and Trustpilot don’t have a page for Freely, the company is part of the reputable Zurich Insurance Group. Freely’s website notes that its app has a 4.8-star rating out of five on the App Store (based on 1,700 reviews), with commenters praising the company’s customer service and the app’s easy-to-use interface.
Freely’s travel insurance policy guarantees coverage or reimbursement for hospital admission or medical expense charges up to the maximum covered amount, as per the policy schedule provided when purchasing insurance.
To cancel your policy, you can contact support for guidance. You’ll need to provide documentation depending on your case. Premiums are considered non-refundable after the policy review period, which is 21 days after purchasing the cover.
Freely’s website has detailed articles, FAQs, and a Get Help page with adequate information. Customer support is available Monday through Friday from 8am to 7pm (CT) via email, phone, and in-app live chat.
I reached out to live chat on the app, and while it took about 50 minutes to get connected, subsequent responses were immediate. Phone responses seem to depend on Freely’s call volume at the time, but there’s a callback option if there are longer wait times. Email also suffers from the volume issue, and agents may take between four and six days to reply.
For emergency assistance, medical and safety specialists are available 24/7 via email, a toll-free phone number if you’re calling from within the US and Canada, and a collect call via Freely’s worldwide phone number. If you’re using the in-app chat and have an emergency, you can click the “Call Us Now” option to go to the SOS page and place a call immediately for assistance.
I found the claims process straightforward. Just visit the Claims page by clicking the “Make a Claim” button on the website, the Get Help menu, or the Claims menu on the app. Enter your plan code, which you will find in your policy documents, gather your supporting documents, and then follow the prompts to submit your claim.
Freely is a comprehensive travel insurance policy available via a website and mobile app to cover medical, trip, and baggage challenges. Even though it only offers one plan, the benefits are extensive, and you can pay for additional coverage if needed. I liked the company’s 24/7 emergency and safety support and willingness to assist through evacuation and repatriation. Moreover, Freely donates 1% of its revenue to social initiatives.
Freely travel insurance in the US is offered and provided by Cover-More, Inc., 810 North 96th Street, Suite 300, Omaha, NE, 68114. It does business in California as Cover-More Insurance Services, CA Agency License #0N13321.
