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From first lessons and pony club rallies to dressage comps, trail riding and overseas riding holidays, Flip offers personal accidental injury cover that fits the many ways Australians ride.
Get a fast cash payout for eligible injuries, with flexible cover for riders, families, clubs, schools and organised groups.
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Horse riding insurance isn't compulsory in Australia, but many riders, equestrian coaches and event organisers see it as a smart add-on for a sport where things don’t always go to plan.
Australians have long enjoyed a love affair with their horses, enjoying everything from pony club rallies and school programs to trail riding, lessons, dressage, showjumping and eventing.
Over 134,000 adults aged 15 and over went horse riding in 2023-24. In the same period, there were 2,100 hospitalisations caused by horse riding injuries. Over half of the hospitalisations were for fractures.
If you suffer an eligible injury with Flip activated, we pay you a set cash amount straight to your bank account for approved claims, usually within a few business days.
Flip offers personal accidental injury cover that can be used for horse riding. It is not cover for your horse or your tack, and it isn’t public liability insurance. It provides a financial buffer to help you recover if you suffer an eligible injury while riding.
The cash payout is yours to use however you want. That might be physio, a brace, transport to appointments, getting someone to help around the stables, or whatever else makes recovery more manageable.
The right option for you depends on how often you ride, where you ride and who you want to get cover for. You might want day cover for a clinic or trail ride, horse riding insurance for an overseas holiday, or a group option for a pony club, riding school or event.
We can't tell you what to buy, but here's how each option works to help you decide. Always read our PDS to see if Flip is right for you.
Flip Active can be used for all kinds of horse riding across Australia and New Zealand. You can choose how long you need cover from a single day to all year. Turn it on for the days you are riding, or keep it running all year if horses are a regular part of your week.
It suits a wide mix of riders, from kids in pony club and adults getting back into riding to competitive riders, trail riders and equestrian coaches and instructors. With Flip, you can mix and match options so you are only paying for cover when you feel most at risk.
If you are heading overseas to ride, trek or compete, you can buy Flip Roaming by the week or in 30-day blocks. It reimburses overseas medical expenses and pays you cash for eligible accidental injuries on your trip.
Flip Roaming gives you two layers of protection.
Flip Group Active can be used by pony clubs, riding schools, equestrian centres, school programs, holiday camps, clinics and events that want participant injury cover built in from the start.
You can include the costs of accidental injury cover in the registration process, rather than leaving riders and families to figure it out on their own. It is a practical option for organisations that want to show they take rider welfare seriously without creating more administration for staff or volunteers.
Sophie was having a jumping lesson when her horse pulled up short at a fence and stopped suddenly, sending her over its shoulder.
She was diagnosed with a simple collarbone fracture.
She paid $7 for Flip Active for the day and got a $400 payout.
Billy was on an equestrian holiday in Estonia when his horse got spooked during a beach ride and he landed heavily, fracturing his outstretched arm.
He paid €420 (~A$700+) for treatment at a local clinic.
+Based on the exchange rate at the time
Billy paid $80 for Flip Roaming for a week and got a $1,100 payout.
Peter rides his bike to work in any weather and on busy city paths. He wanted cycling insurance that would offer financial support if he had an accidental injury on the road. He chose Flip Active's monthly subscription for everyday peace of mind.
"Having paid for the peace of mind that Flip gives me for my cycling, that cover also means that if I do engage in any other activities, I have cover for those as well for no additional cost, and I don't even need to think about it. I think it gave my partner a bit of peace of mind as well."
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Cam runs Brisbane Roubaix, one of Australia's biggest gravel cycling events. When searching for cycling event insurance, he wanted something transparent, modern and user-friendly.
"You feel an obligation to look after your riders and give them protection in case something happens. I’d say it’s a must-have. It’s just the right thing to do. If you want something that’s easy to set up, affordable, and gives you peace of mind that you’ve done the right thing by your riders, Flip Group Active fits the bill."
Here’s how Flip works in practice, from local riding sessions and trail rides to overseas riding holidays and group programs.
If your horse shies during a beginner lesson and you fall and fracture your leg, Flip Active pays you a cash payout within a few business days. The cash is yours to use however you want.
If your saddle or riding boots are stolen from the float or tack room, that's not covered by Flip Active.
Flip Active can be used for horse riding lessons, trail riding, pony club, clinics, coaching and competition riding in Australia and NZ.
If you are on a riding holiday in Italy and are thrown during a trail ride, Flip Roaming reimburses your overseas medical costs (up to A$20,000) and pays you Extra Recovery Cash.
If you get gastro on your trip and have to cancel part of your riding holiday, that's a travel insurance issue, not something Flip Roaming covers.
Travel insurance stops when you land back in Australia. Flip Roaming doesn't. Extra Recovery Cash helps with costs after you get home so you’re supported to get back in the saddle.
If a child rider falls during a pony club rally and dislocates their shoulder, their parent can claim through the Flip app and receive a cash payout within a few business days, with no admin for your team.
If a participant arrives at horse camp with a knee injury from last month, pre-existing injuries aren't covered under Flip Group Active.
With Flip Group Active, participants claim through the app themselves. No invoices to chase, no paperwork on your end, just fast cash for eligible injuries when someone in your program needs it.
Horse riding insurance helps protect riders from the financial impact of accidental injuries. Depending on the type of cover, it may help with things like medical costs, physio and other recovery-related expenses.
Some horse riding insurance can be bundled into memberships or program packages, while some can be purchased by individuals as personal accident or sports injury insurance. Travel insurance can sometimes cover horse riding, but some policies exclude higher-risk activities or apply limits.
Flip offers on-demand personal accident insurance that can be used by horse riders. When you have an eligible injury and we approve your claim, we pay you cash, usually within a couple of business days.
You decide when to activate cover (a single day, a week, a month, a season or a full year), and you spend the payout however you choose, like on transport, food deliveries, medical supplies or anything else you need while you’re out of action. Flip is flexible, instant and works for almost any type of horse riding in Australia, New Zealand and covered overseas destinations.
Flip horse riding insurance is for Australian residents aged 5–64. It's not available to tourists visiting Australia. It can be used by a wide range of riders and groups, including:
Yes. Flip covers eligible accidental injuries across a range of horse riding formats, from lessons and pony club to trail riding, rodeos and equestrian competition.
Yes. Flip covers professional riders and horse riding coaches for eligible accidental injuries during training, racing, and competitions in covered locations. The only exception is injuries that happen while doing paid work unrelated to being a professional athlete, coach or instructor.
Yes. Flip Group Active can be used for pony clubs, riding schools, school groups and events. You can bundle cover into registrations, memberships or event fees so participants are covered while taking part.
Yes. Flip covers people aged 5 to 64, so children in pony club and riding school programs are eligible. Parents can buy Flip cover for their children, or clubs and programs can use Flip Group Active to cover everyone together.
When you have Flip Active or Flip Roaming activated, you're covered for a wide range of eligible accidental injuries, whether they happen at the stable, on the arena, or even around the house (like falling down stairs).
However, if you are covered by a Group Active policy through your school or club, then you should check with them to find out when you are covered, which is usually only when you’re participating in a specified event or location visit.
No. Flip pays you cash for eligible accidental injuries to you, not for lost or damaged horses, tack, floats or equipment. That said, the cash Flip pays on approved injury claims is yours to use however you choose.
Yes. Flip Active can be purchased for a single day for $7. Activate it on the morning before your ride, or set it up in advance once you've confirmed your plans.
Flip Active starts at $7 for one day, $25 for a week, or $40 for a month. Flip Roaming costs $80 per week or $190 for 30 days for overseas trips in covered destinations. Flip Group Active pricing is customised based on how many participants you're covering and for how long.
Private health insurance and Medicare can cover a lot of medical costs, but injuries often come with unforeseen expenses. Flip gives you a fast, flexible cash payout for eligible injuries to help with those extra costs.
No. Flip Roaming is not travel insurance and does not cover things like trip cancellations, lost luggage and emergency medical evacuation.
Flip covers accidental injuries, including injuries that happen while horse riding in covered destinations. It reimburses you for overseas medical expenses and pays you cash for eligible accidental injuries to use however you want. It can work together with travel insurance. You should check your travel insurance policy carefully to understand what it covers, and read our PDS to determine whether Flip product is right for you. Learn more about How Flip Roaming can complement your travel insurance.
A pony club, riding school or event organiser may have public liability insurance, which typically protects the organisation from lawsuits. Personal horse riding insurance, like Flip, offers some protection to individual climbers by paying them cash for eligible accidental injuries. Some businesses carry both, one that covers the organisation, and one that covers the people.
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