Freely
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Freely launched in 2020 with backing from Zurich and built its Essentials plan to cover $500K in emergency medical, $1M evacuation, trip interruption, and baggage loss. Beyond the core plan, you can add Daily Boosts for specific activities like skiing or adventure sports, letting you customize coverage to your itinerary.
This appeals to travelers who want straightforward, modern coverage from a trusted insurer without complicated tiers. It's ideal if you're doing a single trip or multi-trip plan and want to layer activity-specific protection only where you need it.