Freely Travel Insurance

Freely is an app-based Australian travel insurance brand owned by nib Group (one of Australia's largest health insurers). Freely's differentiator is modular pack-based cover: buy a base policy, then toggle add-on packs (adventure, snow, luxury goods, cruise, cancellation) on and off during your trip through the Freely app to match your day-to-day risk. Standard cover components include international medical, evacuation, and 24/7 assistance. Australian travellers use Freely for flexible in-trip cover adjustments where a set-and-forget comprehensive policy would over-insure quiet trip days. Buy via freely.me and activate ShopBack through the Freely Travel Insurance merchant page on ShopBack Australia to earn cashback on eligible policy purchases at the current published rate. Verify current terms with the Freely PDS before purchase.

Freely's modular pack structure lets travellers add or remove cover for specific activities or valuables via the Freely app. Common packs include: Adventure (higher-risk activities like scuba, ziplining, bungee), Snow (ski, snowboard), Luxury (extra cover for camera gear, laptops, jewellery), Cruise, and enhanced Cancellation. Base cover always includes international medical and evacuation. Toggle packs on before the risk (e.g. add Adventure on the morning of a scuba dive) and off afterward to reduce running premium. Verify pack scope and toggle rules in the Freely PDS on freely.me. ShopBack cashback tracks on the base policy premium plus committed pack add-ons at purchase.

Freely runs promotional windows tied to AU travel booking cycles: AU school holidays (April, July, September, December), forward-book Europe summer (November to March), Black Friday (November 27, 2026), Cyber Monday (November 30, 2026), and Boxing Day. Because Freely's premium is inherently variable via pack toggling, promotional windows tend to focus on base-policy discounts. Verify current promotions on freely.me before buying, and click through fresh from the ShopBack Freely merchant page to keep cashback tracking clean.

The Freely Product Disclosure Statement (PDS) is available at freely.me under the policy documents section. The PDS details all base cover components, pack scope, cover limits, exclusions, excess, pre-existing condition definitions, claim documentation requirements, and dispute processes. AU travellers should read the PDS before buying since claim outcomes depend on PDS terms not marketing summaries. Verify the applicable PDS version at time of purchase. ShopBack cashback tracks on eligible Freely policy purchases regardless of PDS version.

Fast Cover uses a traditional tier-based structure (Comprehensive, Standard, Basic, Medical Only) with cruise add-on. Freely uses modular pack-based cover you can toggle on and off during a trip via an app. For a set-and-forget comprehensive purchase before departure, Fast Cover often wins on simplicity. For flexible in-trip cover adjustments on multi-activity trips (dive one day, ski another, luxury goods another), Freely often wins. Both are cashback-eligible via ShopBack. Compare PDS terms before deciding since coverage triggers differ.

CoverMore is Australia's largest travel insurance brand with distribution through Qantas, Virgin, and Flight Centre, and traditional tier-based cover. Freely (nib-owned) is app-native with modular pack toggling. For traveller confidence and airline-integrated buying, CoverMore often wins. For tech-forward travellers who want to actively manage cover per day, Freely often wins. Both are cashback-eligible via ShopBack when purchased through their respective merchant pages. Compare policy limits and exclusions in each PDS.

Freely offers cruise cover as an add-on pack for cruise itineraries where standard travel-medical cover may not extend to onboard treatment or missed-port scenarios. Add the cruise pack at purchase for any cruise itinerary on Royal Caribbean, P&O Cruises Australia, Princess, Carnival, Celebrity, or other lines. Verify current cruise-pack PDS terms on freely.me before purchase. ShopBack cashback tracks on the total policy premium including the cruise pack at time of purchase.

Freely applies its Existing Medical Condition definition per the PDS. Many common conditions (stable asthma, controlled hypertension) are automatically included at no extra premium; more complex conditions require a health screening and may attract an additional premium or exclusion. Complete the online screening honestly at time of purchase, since misrepresentation can lead to an insurance claim being refused, and check the Freely PDS for current definitions.

Go through ShopBack before you pay and the Cashback tracks to your ShopBack account. On your phone, open Freely from the ShopBack app and finish the order there. The Freely Travel Insurance page on ShopBack shows which purchases earn Cashback and the live rate.

Freely's PDS sets a cooling-off period (typically 14 to 21 days from policy issue) in which a cancellation gets a full premium refund, so check that period in the PDS. Cashback is based on what you keep: if you return or cancel part of an order, the Cashback adjusts to match.