Planning an adventure holiday and want insurance that keeps up with you? A Freely travel insurance discount code is the smartest way to save on a policy built for travellers who don’t do ordinary. Freely is app-based, flexible, and lets you adjust your cover on the go – so whether you’re skiing in Japan, surfing in Bali, or jumping out of a plane somewhere in between, you’re covered. Use a Freely discount code to save up to 20% on your policy.
Latest Freely Discount Codes & Deals
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How to Use a Freely Discount Code
- Click a deal above, or head to the Freely website or app.
- Enter your trip details – destination, travel dates, and number of travellers
- Choose your plan (Essentials, Explorer or Explorer Pro) and add any Trip Extras you need
- Declare any pre-existing medical conditions in the online health assessment
- Proceed to the Payment Summary page
- Enter your Freely discount code in the promo code field and click Apply
- Check your total reflects the discount before completing payment
- Finish your purchase and receive your policy documents
App-based cover · adjust it while you travel
Switch on the cover your trip needs and get a quote in minutes.
Adjust your cover in the app whenever plans change.
- In-app controlAdjust your cover from your phone while you are away
- Adventure readySkiing, trekking and diving supported as activities
- Cruise friendlyCruises can sit alongside your adventure activities
How Much Can You Save with a Freely Discount Code
It’s hard to know how much you’ll save, but here’s a breakdown of what you might pay for certain activities. So, if you don’t ride mopeds, rent a car or go skydiving, you’ll save. And… don’t take valuable devices which can get stolen!
| Details | Excess | Policy | Optional Add-Ons |
|---|---|---|---|
| 40yo male June 1-8, 2026 Bali ex Australia. Quoted May 2026 | $300 | $72 | Motorcycle Cover – $9/day Adventure Activities – $9/day Rental Vehicle Excess – $10/day Gadget Cover – items over $1,500 value – $55/trip |
Best Ways to Save with Freely
- Use a Freely discount code – Look for active discount codes (on our site first) before you buy.
- Customise your cover – Only pay for the essentials and add extras, when needed.
- Activate add-ons only when required – Instead of paying for full coverage upfront, switch on optional extras only for the days you’ll use them.
- Pick the plan level that matches your trip – Essentials suits simple, low-cost trips, while Explorer and Explorer Pro add higher limits.
- Travelling with a partner? – Put you both on one policy to get the couples discount.
What is Freely?
Freely is app-based travel insurance designed to change with your trip. You choose from three plans (Essentials, Explorer and Explorer Pro, each available for overseas or domestic travel), then switch on Trip Extras for things like snow sports, cruises or riding a scooter, so you only pay for the cover you use.
Freely is a brand of Cover-More Insurance Services, and its policies are issued by Zurich Australian Insurance Limited. If you’d prefer a more traditional policy from the same group, Cover-More is worth comparing directly.
Freely has picked up several awards, including Highly Commended for Value Travel Insurance at the Finder Awards 2025, Mozo Experts Choice awards in 2024 and 2025, WeMoney’s Best for Adventure and Best for Flexibility, and Canstar’s 2025 Most Satisfied Customers award. The app is rated 4.8 on the App Store.
You’ll find the Freely travel insurance pds here.
What does Freely insure?
The most popular types of cover that Freely provides are:
- single trip travel insurance
- long term insurance
- domestic and international insurance
- trip extras and daily boosts
What Adventure Activities does Freely Support?
Skiing and snowboarding, cruises, car rental, motorcycle rental, rock climbing and abseiling, trekking and surfing, to name a few.
What is Trip Extras and Daily Boosts?
Trip Extras are optional add-ons you switch on for the parts of your trip that need extra cover. They come in two types:
- Whole-trip extras, bought before you leave: gadget cover, specified items and extra cancellation cover.
- Per-day extras, which you can switch on in the app before or during your trip: snow sports, adventure activities, motorcycle or moped riding, cruise and rental vehicle excess.
If you switch off a per-day extra early, you may get a refund for the unused days.
Does Freely Provide Insurance for Seniors?
Yes. Freely’s policy wording has no upper age limit, and older travellers get the same plans and Trip Extras as everyone else. Premiums rise with age, and pre-existing conditions need to be declared in the online health assessment.
Freely’s app-first setup suits confident smartphone users. If you’d prefer a specialist built around older travellers and complex medical histories, compare AllClear or see our guides to travel insurance for over 70s and over 80s.
Support
Freely is app and live-chat first, with 24/7 in-app access to telehealth and emergency specialists. Live chat runs from 7am to 7pm (AEST/AEDT) every day, and emergency help is available around the clock through the app.
Use the Freely App
The Freely App is available in the Apple App store or on Google Play.
Is Freely Worth It?
Is Freely travel insurance any good? Short answer: yes, especially if you’re an adventure or activity-based traveller who wants to pay only for the cover you actually use. Where most insurers lock you into one flat policy for the whole trip, Freely’s app lets you switch cover on and off as your plans change: add a daily boost the morning you decide to go skydiving, then switch it off again once you’re back on solid ground. That flexibility is the whole point, and it’s why Freely consistently comes up well in traveller reviews for anyone whose trip doesn’t look like a standard beach holiday. It’s a weaker fit if you’re after a simple, set-and-forget policy for a straightforward trip, in which case a traditional comprehensive plan may suit you better.
How Freely Promo Codes Work / Why Your Code Might Not Work
Sometimes a discount code will fail due to:
- Cover-level limits (some codes only apply to certain plans)
- Excluded cover types, such as cruises
- Attempting to stack codes (for example, a solo code with the couples discount)
- Cookie or cache issues
App-based cover · adjust it while you travel
Switch on the cover your trip needs and get a quote in minutes.
Adjust your cover in the app whenever plans change.
- In-app controlAdjust your cover from your phone while you are away
- Adventure readySkiing, trekking and diving supported as activities
- Cruise friendlyCruises can sit alongside your adventure activities
Final Thoughts: Best Freely Deals Right Now
Freely is travel insurance built for the way adventurous Australians actually travel – flexible, app-based, and easy to adjust on the go. With savings of up to 20% available, there’s no reason to pay full price. Check the latest Freely deals above and get covered in minutes.
Promo Codes for Other Travel Insurers
Cover, excess and price all vary between insurers, so compare a few before you buy. See our full travel insurance promo codes guide for every provider we cover, or browse our travel insurance guides for seniors, cruises, pre-existing conditions and more.
Frequently Asked Questions
Who underwrites Freely Travel Insurance?
Freely policies are issued by Zurich Australian Insurance Limited (AFSL 232507). Freely is a brand of Cover-More Insurance Services, which administers the policies on Zurich’s behalf.
Can I get insurance from Freely for existing medical conditions?
Yes. All three Freely plans automatically cover a range of conditions, subject to the criteria in the PDS. Other pre-existing conditions need to be declared and assessed in the online health assessment, and may be covered for an extra premium.
How can I pay my premium?
Mastercard, Visa, Amex, Afterpay, ApplePay and GooglePay are all supported.
Does Freely provide 24/7 Emergency Assistance?
In-app support is available while you’re on your trip with 24/7 access to telehealth and medical and emergency specialists. You can reach emergency help any time through the app or Freely’s Get Help page. For general questions, live chat runs from 7am to 7pm (AEST/AEDT) every day.
Can I use a Freely discount code on an adventure sports policy?
Yes – Freely covers a wide range of adventure activities including skiing, snowboarding, surfing, rock climbing and more. A discount code applies to your base premium regardless of which activities you’ve added, so you can save on your policy even with adventure cover included.
Does a Freely discount code work if I’m travelling as a couple?
Freely offers up to 20% off automatically at checkout when two people travel on the same policy, so you may not even need a separate code.
Can I use a Freely discount code on Trip Extras
Trip Extras are optional add-ons, and per-day extras can be switched on while you’re travelling. Promo codes typically apply to the base policy premium – check the code’s terms [rest unchanged]
Is there a Freely discount code for annual multi-trip travel insurance?
Freely currently focuses on single trip policies with flexible add-ons rather than a traditional annual multi-trip product. If you travel frequently, their app-based model lets you activate and adjust cover trip by trip, which may work out cheaper than a standard annual policy even without a promo code. For longer trips, Freely offers long-term insurance as an alternative. See our annual vs single trip guide for help choosing.
Who owns Freely Travel Insurance?
Freely is owned by Cover-More, part of the Zurich group. It runs as its own app-based brand, with policies issued by Zurich Australian Insurance Limited.
How does Freely’s pricing work?
You pay for your chosen plan, then only pay for Trip Extras on the days or trips you need them. If you’re not skiing, riding a scooter or cruising, you don’t pay for that cover. Your premium also depends on your age, destination, trip length and chosen excess.
Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don’t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he’s not testing codes, he’s planning his next overseas trip or out on his dirt bike.
Last Updated on 18 October 2026
