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Review 2026
Each company is evaluated across five criteria. Scores are weighted and combined into a single BestGuide Score out of 5. See how we rate the brands.
Key Takeaway
Freely earns an Expert Score of 4.5/5.0 from BestGuide, standing out for its flexible, app-based coverage and pay-as-you-go Daily Boosts. Its top-scoring criterion is Services (95%), reflecting a bundled Essentials Plan with $500,000 in emergency medical coverage, $1,000,000 in emergency evacuation, and the ability to add day-specific coverage for activities like skiing and adventure sports. Transparency scores lower (80%) because pricing is quote-based rather than published online.
Best For: Best for adventure travelers, digital nomads, and anyone who wants to tailor coverage day by day through an app.
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Freely is a travel insurance brand launched in 2020 that sells flexible, app-based coverage to residents of the United States and Australia. In the U.S., Freely is provided by Cover-More, Inc. and underwritten by Zurich American Insurance Company. Its single Essentials Plan bundles medical, trip, and belongings coverage, and travelers can add pay-per-day "Daily Boosts" for activities like skiing, adventure sports, and rental-car damage. Quotes, purchase, claims, and mid-trip changes are all handled through the Freely app.
Founded
2020
Emergency medical
Up to $500,000
Underwriter
Zurich American Insurance
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Select the United States as your country of residence, then get a quote for the Essentials Plan. Pricing is based on your destination, trip length, age, and any extras you add — there is no fixed published rate.
The Essentials Plan bundles medical, trip, and belongings coverage. Before you leave, you can add trip extras like pre-trip cancellation; while traveling, you toggle on pay-per-day "Daily Boosts" for specific activities such as snow sports, adventure activities, or rental-car damage — so you only pay for the days you need them.
Freely runs through its mobile app, which handles your policy documents, real-time travel alerts, 24/7 emergency assistance, claims, and coverage changes while you are on the road.
Freely is built for travelers who want a flexible policy they can adjust on the fly and are comfortable managing coverage through a mobile app.
Not the best fit for travelers who prefer traditional phone-based service, want a simple fixed-price policy without managing add-ons, or don't want to rely on a smartphone.
Pay-Per-Day Daily Boosts
Toggle coverage on for specific days and activities — snow sports, adventure activities, rental-car damage — so you only pay for what you actually do.
Strong Medical & Evacuation Limits
The Essentials Plan includes up to $500,000 in emergency medical ($50,000 for New Hampshire residents) and $1,000,000 in emergency evacuation.
One Bundled Essentials Plan
Medical, trip, and belongings coverage come bundled in a single plan, so there's no tier-shopping to get the essentials.
App-Based Management
Real-time travel alerts, 24/7 emergency assistance, claims, and mid-trip coverage changes are all handled in the Freely app.
COVID-19 Coverage
Freely covers medical costs if you test positive or are diagnosed with COVID-19 while traveling, plus medical evacuation if needed.
Zurich American Underwriting
U.S. policies are underwritten by Zurich American Insurance Company (NAIC #16535) and provided by Cover-More, Inc., a licensed U.S. agency.
Pros
Cons
Freely is a legitimate travel insurance brand that has operated since 2020 and sells coverage to U.S. and Australian residents. In the United States, its policies are provided by Cover-More, Inc. — a licensed U.S. insurance agency — and underwritten by Zurich American Insurance Company (NAIC #16535), one of the largest and most established insurers operating in the country. Coverage terms, limits, and exclusions are disclosed before purchase, and there are no known regulatory actions against Freely as of 2026. Because the product is app-based, you manage your policy and any claims through the Freely app.
Freely earns an Expert Score of 4.5/5.0 from BestGuide, making it a strong choice for travelers who value flexibility and want to manage coverage from their phone. Its pay-per-day Daily Boosts, single bundled Essentials Plan, and solid limits — up to $500,000 in emergency medical and $1,000,000 in evacuation — are real advantages, and U.S. policies are underwritten by Zurich American Insurance Company. The trade-offs are that everything runs through the app and costs can climb as you stack boosts and extras, while pricing is only available by quote. For tech-comfortable and adventure travelers who want coverage tailored to each trip, Freely is a standout. Travelers who prefer phone-based service or a simple fixed-price policy may want a more traditional provider.
BestGuide's expert panel gives Freely an Expert Score of 4.5/5.0, highlighting its flexible pay-per-day Daily Boosts and strong medical and evacuation limits. Its Services criterion scored 95%, the highest of the five.
It's a strong choice for travelers who want to tailor coverage day by day and are comfortable using an app. The bundled Essentials Plan and Daily Boosts offer flexibility few competitors match, though costs can rise as you add boosts and extras.
Yes. Freely has operated since 2020, and its U.S. policies are provided by the licensed agency Cover-More, Inc. and underwritten by Zurich American Insurance Company. There are no known regulatory actions against it as of 2026.
Freely offers more day-by-day customization than most traditional insurers and manages everything through an app. Some competitors offer phone-based service and simpler fixed plans, which certain travelers prefer.
Yes. The Essentials Plan covers medical costs if you test positive or are diagnosed with COVID-19 while traveling, plus medical evacuation if needed. Adding Pre-Trip Cancellation may cover cancellation if you have to quarantine.
The Essentials Plan bundles emergency medical (up to $500,000), emergency evacuation (up to $1,000,000), trip interruption (up to 150% of trip cost), baggage ($2,500), and accidental death & dismemberment ($50,000). Daily Boosts add activity-specific coverage.
Daily Boosts are pay-per-day add-ons you toggle on in the app for specific activities — like snow sports, adventure activities, or rental-car damage — so you're only covered, and charged, on the days you need them.
Freely doesn't publish fixed pricing; you get a quote based on your destination, trip length, age, and any extras. Daily Boosts and trip extras add to the base cost.
Yes. You can toggle Daily Boosts and adjust certain coverage in the app while you're on your trip — a core feature of the Essentials Plan.
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