Visas ยท insurer fileFreely
Freely eligibility rules
App-first Australian cover that insures to 99 and can start when you are already away. Every row below is taken from Freely's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | Australian residents on the AU product; a separate product exists for US travellers. | verified |
| No fixed country of residence | No | Australian residency required. | verified |
| Buying after you have left home | Yes | Purchasable when already overseas, with a 72-hour no-cover period for anything arising in that window. | partly |
| Maximum age | 99 | Insures up to age 99 (reported from two independent sources). | partly |
| One-way and open-ended trips | Not verified | Not verified. | low |
| Longest trip | 12 months, renewable | Month-by-month structure suits long and open trips. | partly |
| Pre-existing conditions | Yes | More than 30 pre-existing conditions automatically covered, with others assessed through a short in-app medical questionnaire. | partly |
| Cover in the USA | Yes | Worldwide including the US, with unlimited overseas medical reported. | partly |
| Schengen visa certificate | No | Not applicable: an Australian market product. | partly |
| Winter sports | With conditions | Via add-on. | low |
| Scuba diving | With conditions | Via add-on. | low |
| High-altitude trekking | With conditions | Not verified. | low |
| Scooters and motorbikes | With conditions | Optional motorcycle and moped add-on; licence rules not verified. | low |
| Working abroad | Not verified | Not verified. | low |
| Trip cancellation | Yes | Base A$5,000 or a chosen limit, increasable. | partly |
| Families | Yes | Multi-traveller supported. | partly |
Who underwrites it
Zurich Australian Insurance Limited. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Freely. That is disclosed on every link, and it never changes where they appear or in what order. Reported 8% with a 7-day cookie.
Sources: freely.me, freely.me. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.