Rugby insurance for accidental injuries

Rugby insurance helps protect players from the financial impact of injuries on the field. Depending on the type of policy, it can cover medical costs, physio, dental work, time off work and sometimes gives a cash payout to cover other costs associated with recovery.

Some rugby insurance is included in club memberships or rep team fees, provided by state bodies or national associations. Other players buy it individually as personal accident or sports injury insurance. Travel insurance can sometimes cover rugby, but some policies exclude contact sports or charge higher premiums for them.

Flip offers on-demand personal accident insurance for rugby players. When you're injured and we approve your claim, we pay you cash, usually within a couple of business days. You decide when to activate cover (a single match, a week, a month, or a full year), and you spend the payout however you choose, like on transport, food deliveries, medical supplies or anything else you need. Unlike club-based schemes, Flip is flexible, instant and works across rugby league, rugby union, sevens, touch and tag in Australia, New Zealand and covered overseas destinations.

Flip rugby insurance is for Australian residents aged 5–64. It's not available to tourists. It's flexible enough to work for all kinds of rugby players and situations, including:

• Junior rugby league and rugby union players
• Club rugby players (subbies, community, district)
• Touch rugby and tag rugby players
• Representative and state-level players
• NRL and Super Rugby professionals
• Rugby sevens competitors
• Coaches, referees and trainers
• Players heading on club tours or overseas tournaments
• Rugby clubs offering cover to members
• Schools and junior rugby programs
• Gala day and tournament organisers
• Tour operators running rugby trips abroad

Yes. Flip covers accidental injuries in both rugby league and rugby union, as well as sevens, touch rugby and tag rugby.

Yes. Flip covers professional rugby league players (including NRL athletes) and professional rugby union players (including Super Rugby athletes) for accidental injuries during training, matches and tournaments in covered locations. The only exception is injuries that happen while you're doing paid work that's not related to being a professional athlete, sports coach or sports referee.

Yes. Flip Group Active can be used for rugby clubs, teams, schools and tournaments. You can bundle cover into membership fees, event rego or tour costs so everyone who plays is protected. It's simple to set up and your players claim directly through the app.

Yes. Flip covers people aged 5–64, so kids and teens are eligible. Parents can buy Flip Active for their children, or clubs and schools can use Flip Group Active to cover all junior participants.

When you have Flip Active or Flip Roaming, you're covered for a wide range of eligible accidental injuries, whether they happen on the rugby field, at training, or even off the field (like falling down stairs at home). It's not limited to matches. 

However, if you are covered by a Group Active policy through your 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 covers you for accidental injuries, not your equipment. For stolen or damaged boots, jerseys or other gear, you'd need contents insurance or personal property cover. That said, you can spend your Flip cash payout however you like, including replacing gear if you choose to.

Yes. You can buy Flip Active for a single day for $7. Activate it just before kickoff or schedule it up to a year in advance if you already know your fixture.

Yes. When your Flip cover is active, you're covered for almost any sport or activity (except motorcycling), including rugby league, rugby union, sevens, touch and tag. Check the PDS for more detail.

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 players 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 fast, flexible cash payouts to boost your recovery and provide a financial buffer for the true cost of an accidental injury.

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 playing rugby 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. However, you should check your travel insurance policy details carefully to see exactly 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.

Rugby club insurance (sometimes called public liability or association insurance) protects the club from legal claims if someone is injured at a club event or on club property. Rugby player insurance (like Flip) protects individual players by paying them cash if they're injured. Clubs can have both types of cover, one for the organisation, one for the people.