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Freely suits travelers who want one simple plan, $500,000 of emergency medical and $1,000,000 of evacuation coverage, and the ability to add skiing, adventure or rental car coverage by the day in the app. It is legitimate travel insurance: in the U.S. it's sold by Cover-More, Inc. and underwritten by Zurich American Insurance Company (NAIC 16535), both part of Zurich Insurance Group. Know the limits: trip cancellation is an add-on, not part of the base plan, pre-existing conditions are excluded with no waiver in the policy we read, and claims complaints focus on slow payouts.
Your options
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Freely This review Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
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InsureMyTrip Alternative Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help.
How we rated Freely
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.
- Base plan
- Essentials Plan: emergency medical $500,000 ($50,000 for New Hampshire residents), emergency dental $1,000, evacuation and repatriation $1,000,0001
- Trip and baggage
- Trip interruption up to 150% of trip cost; lost, stolen or damaged baggage $2,500; baggage delay $2501
- Add-ons
- Trip Extras priced per trip (Pre-Trip Cancellation, Baggage Upgrade, Trip Inconvenience) and Daily Boosts priced per day (Snow Activities, Rental Car Damage, Adventure Activities)2
- Price
- Quote-based; Freely doesn’t publish rates. Price depends on your trip, travelers and add-ons3
- Free look
- 21 days to review and return the policy for a refund if you haven’t left on your trip or filed a claim4
- Insurer
- Sold by Cover-More, Inc. (CA agency license 0N13321); underwritten by Zurich American Insurance Company, NAIC 16535; claims administered by Zurich Travel Claims Administrator5
- Who can buy
- U.S. residents traveling internationally or within the U.S.; a separate Freely product serves Australia1
Pros
- Backed by Zurich, with Zurich American as the underwriter
- $500,000 emergency medical and $1,000,000 evacuation in the base plan
- Add activity or rental car coverage by the day, even mid-trip
- 21 day free look period
- Replies to every negative Trustpilot review
- Backed by Zurich American Insurance and provided by a licensed U.S. agency
Cons
- Trip cancellation isn't included unless you add it
- Pre-existing conditions are excluded, with no waiver in the policy we read
- No published prices; you have to get a quote
- Changing your policy requires the app
- Claims complaints about slow payouts
Best for: Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
Skip it if: You have a pre-existing medical condition, want cancellation coverage built in, or prefer handling your policy by phone instead of an app.
Freely vs. competitors
| Company | Plan style | Underwriter or parent | BBB rating | Next step |
|---|---|---|---|---|
| Freely | One Essentials Plan plus per-trip and per-day add-ons, managed in an app | Zurich American Insurance Company | A+ (Cover-More, accredited) | Visit site |
| World Nomads | Plans aimed at adventure and long-stay travelers | F (not accredited) | Visit site | |
| Travel Guard | Several tiered plans | Zurich (owner since Dec 2024); underwritten by American Zurich, Zurich American or National Union Fire | A+ (accredited) | Read review |
Travel insurance we reviewed
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Freely This review BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it. -
InsureMyTrip BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help. -
WorldTrips BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad. -
Allianz BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Large U.S. companies and multinationals that need specialty or cross-border coverage placed through a broker. -
Faye BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want primary medical coverage abroad and prefer to handle the whole policy, including claims, in an app. -
World Nomads BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Backpackers, solo travelers and adventure travelers who want activities like diving, skiing and trekking covered without extra riders. -
Generali BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: US travelers who book a cruise or tour, buy right after their first deposit and want high evacuation limits. -
Seven Corners BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers outside New York who want Cancel for Any Reason or primary medical coverage on a mid-priced plan.
Freely pricing at a glance
Freely Essentials Plan benefit limits for U.S. residents, as listed October 20261
| Benefit | Maximum |
|---|---|
| Emergency medical expense | $500,000 ($50,000 for NH residents) |
| Emergency dental expense | $1,000 |
| Emergency evacuation and repatriation | $1,000,000 |
| Trip interruption | Up to 150% of trip cost |
| Lost, stolen or damaged baggage | $2,500 |
| Baggage delay | $250 |
| Pre-trip cancellation | Only with the Pre-Trip Cancellation Trip Extra |
Premiums are quote-based. Limits, exclusions and some terms vary by state; read the policy for your state before you buy.
Freely, step by step
Get a quote
Enter your trip dates, destination and travelers on freely.me or in the app. Freely doesn't publish prices, so the quote is the only way to see cost.
Add Trip Extras before you go
Add Pre-Trip Cancellation if you want cancellation coverage, plus Baggage Upgrade or Trip Inconvenience if needed. These are priced per trip.
Use the 21 day look period
Read your state's policy. If it doesn't fit, return it within 21 days of receiving it for a refund, as long as you haven't left or filed a claim.
Turn on Daily Boosts during the trip
Switch on Snow Activities, Rental Car Damage or Adventure Activities in the app for the days you need them. You need the app to change your policy.
Get help or file a claim
Use the app for 24/7 emergency assistance. Claims go through the Zurich claims portal using your plan code, and review can take up to 10 business days.
About Freely
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.
Who Freely is best for
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.
- Adventure travelers who need day-specific activity coverage
- Digital nomads and frequent travelers comfortable with an app-first experience
- Travelers who want to pay only for the coverage days they actually use
- Anyone who wants strong medical and evacuation limits ($500K / $1M) in one bundled plan
- U.S. residents (and Australian residents) traveling internationally
Freely features
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.
Freely legitimacy and licensing
Yes. Freely launched in 2020 and sells travel insurance in the U.S. and Australia. In the U.S., policies are offered by Cover-More, Inc. (Cover-More Insurance Services in California, agency license 0N13321) and underwritten by Zurich American Insurance Company, NAIC number 16535. Claims are handled by the Zurich Travel Claims Administrator in Youngwood, Pennsylvania, and emergency help comes from Zurich Travel Assist. All are part of Zurich Insurance Group.
Cover-More’s BBB profile in Omaha is accredited with an A+ rating and one complaint in three years. You can check any insurer’s license and complaint record through your state insurance department or the NAIC.
What Freely covers
Every policy starts with the Essentials Plan: up to $500,000 for emergency medical care ($50,000 for New Hampshire residents), $1,000 for emergency dental, $1,000,000 for evacuation and repatriation, Trip interruption. Pays for unused trip costs and extra travel costs if a covered reason cuts your trip short. Compare travel insurance up to 150% of your trip cost, $2,500 for lost or damaged baggage and $250 for baggage delay. You also get 24/7 emergency assistance, telehealth and live chat in the app.
Cancellation before you leave is not in the base plan. To get it, add the Pre-Trip cancellation. Reimburses prepaid, nonrefundable trip costs if you cancel before departure for a reason the policy covers. Compare travel insurance Trip Extra when you buy. Baggage Upgrade and Trip Inconvenience are the other per-trip extras.
How Daily Boosts work
Daily Boosts let you pay for extra coverage only on the days you need it: Snow Activities for skiing and snowboarding, Rental Car Damage for days you rent a car, and Adventure Activities for things like mountain climbing, scuba diving and skydiving. You can switch them on before you leave or during the trip, but only in the app.
Not every activity is covered even with a boost. Freely says snowmobiling isn’t covered, for example, so check the activity list before you book something risky.
What customers say about Freely
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Easy online quote and purchase
- Competitive prices compared with other quotes
- Being able to add activity coverage by the day in the app
- Clear explanation of what’s covered
Common complaints
- Slow claim decisions and reimbursements that take weeks or months
- Denied claims with little explanation
- Poor communication during claims
- Long waits for customer service
How much Freely costs
Freely doesn’t publish prices. Your premium depends on where and how long you travel, who’s going, and which Trip Extras and Daily Boosts you add. Get a quote from Freely and from at least one other insurer for the same trip and the same limits, especially for medical and cancellation coverage, before you decide.
If you change your mind, the policy has a 21 day right to examine: return it within 21 days of receipt for a refund, as long as you haven’t left on your trip or had a covered loss.
Pre-existing conditions and other exclusions
The countrywide Freely policy (form dated August 15, 2025) excludes pre-existing conditions from emergency medical, dental, cancellation, interruption and travel delay benefits. It defines a pre-existing condition as one for which you, a traveling companion or a family member booked to travel received, or were advised to get, a test, exam or treatment in the 60 days before you paid for the plan. We found no pre-existing condition waiver in that policy. Emergency medical evacuation is still covered.
If you have an ongoing health condition, compare plans that offer a waiver when bought soon after your first trip deposit, and talk to your doctor before you travel. Terms vary by state, so read the policy for yours.
Claims and complaints
You file claims online through the Zurich claims portal with the plan code in your policy documents, and Freely says review can take up to 10 business days. On Trustpilot, Freely scores 4.1 out of 5 from 287 reviews. Buyers praise the quote process and prices; the one-star reviews mostly describe slow reimbursements, denials without a clear reason, and poor updates during a claim.
To avoid delays, keep every receipt, get written medical reports and police reports where relevant, and submit everything at once. If a claim is denied and you disagree, ask for the reason in writing, appeal, and contact your state insurance department if that fails.
Alternatives to Freely
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AIG Travel GuardTiered plans with cancellation built in, a better fit if you want cancellation coverage without building it from add-ons.
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A large U.S. travel insurer with several plan levels, worth quoting side by side for the same trip.
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Built for adventure travelers and longer trips, though its BBB profile is rated F.
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Your credit card’s travel benefits
Many travel cards include trip delay, baggage or rental car coverage at no extra cost; check what you already have before buying add-ons.
Next steps
Freely reviews
Written by readers, read by our moderators, never edited by the company.
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Frequently asked questions
Is Freely travel insurance legit?
Yes. In the U.S. it's sold by Cover-More, Inc. and underwritten by Zurich American Insurance Company, NAIC 16535, both part of Zurich Insurance Group.
Who underwrites Freely?
Zurich American Insurance Company. Claims are administered by the Zurich Travel Claims Administrator, and travel assistance is provided by World Travel Protection Canada under the name Zurich Travel Assist.
Does Freely cover trip cancellation?
Only if you add the Pre-Trip Cancellation Trip Extra. The base Essentials Plan covers trip interruption up to 150% of trip cost, but not canceling before you leave.
Does Freely cover pre-existing conditions?
No. The countrywide policy excludes pre-existing conditions, defined using a 60 day look-back, from medical, cancellation and interruption benefits, and we found no waiver. Emergency medical evacuation is an exception.
How much does Freely cost?
Freely doesn't publish prices. Your quote depends on the trip, travelers and any add-ons. Compare it with other quotes for the same coverage limits.
What are Freely Daily Boosts?
Add-ons you pay for by the day: Snow Activities, Rental Car Damage and Adventure Activities. You can turn them on before or during your trip in the app.
How long does a Freely claim take?
Freely says review can take up to 10 business days after you submit. Some Trustpilot reviewers report payouts taking weeks or months, especially when more documents are requested.
Can I cancel my Freely policy for a refund?
Yes, within 21 days of receiving it, if you haven't started your trip or filed a claim. After that, check the refund terms in your state's policy.
Do I need the Freely app?
You can get a quote and buy on the website, but you need the app to manage or change your policy, including adding Daily Boosts.
Who can buy Freely?
U.S. residents traveling abroad or within the U.S. Freely also sells a separate product to Australian residents.
Sources (13)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Freely: What’s covered (U.S.) (accessed October 12, 2026)
- Freely: Trip Extras and Daily Boosts (U.S.) (accessed October 12, 2026)
- Freely: Frequently asked questions (U.S.) (accessed October 12, 2026)
- Zurich American Insurance Company: Freely policy ZF-0323, countrywide form (August 15, 2025) (accessed October 12, 2026)
- Freely: Make a claim and licensing disclosures (U.S.) (accessed October 12, 2026)
- Freely: About us (accessed October 12, 2026)
- Freely: Travel insurance policy documents by state (accessed October 12, 2026)
- Trustpilot: Freely reviews (accessed October 12, 2026)
- BBB: Cover-More business profile (accessed October 12, 2026)
- BBB: World Nomads, Inc. business profile (accessed October 12, 2026)
- BBB: Travel Guard Group, Inc. business profile (accessed October 12, 2026)
- Apple App Store: Freely Travel Insurance (accessed October 12, 2026)
- Travel Guard: Our underwriter (accessed October 13, 2026)
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