Travel insurance is essential for things like lost luggage, cancellations and certain medical costs. But it may not cover everything you need for your trip, especially for people who love adventure travel and high-risk activities like skiing, mountain biking or white-water rafting.
That's where Flip Roaming comes in. It's specialist accidental injury insurance designed to sit alongside your travel policy.
What exactly is Flip Roaming?
Flip Roaming is accidental injury insurance for travelling Australians. It provides some financial support for your recovery if you get hurt doing almost any activity at one of our covered international destinations.
Flip Roaming is not travel insurance. It doesn’t cover medical costs resulting from illness, travel related costs such as cancellations or lost luggage or the cost of repatriation or transport back to Australia — that's what your travel policy is for.
Instead, Flip Roaming focuses purely on supporting you if you suffer an accidental injury, giving you peace of mind whether you’re heli-skiing in Switzerland or surfing in Bali that you’ll have a financial buffer to support your recovery if things go wrong.
Travel insurance policies commonly limit the activities you are covered for. On the other hand, Flip Roaming covers almost every activity, even extreme adventure sports (apart from motorcycling).
With Flip Roaming, you get:
- Overseas Medical Reimbursement of up to $20,000 for eligible medical costs if you're accidentally injured at a covered destination
- Extra Recovery Payout of up to $50,000 for eligible accidental injuries, paid in cash directly to your bank account to use however you like, on crutches, taxis, food deliveries, or anything else you need while you recover.
There's no excess to worry about, and both benefits can be claimed on the same injury, up to a combined maximum of A$70,000.
How Flip Roaming works alongside your travel insurance
Travel insurance is great at what it does, but Flip Roaming adds an extra layer of specialised accidental injury cover. Think of it as your travel insurance’s wingman, covering areas where travel insurance might fall short. For example:
- Extreme activities: If your travel insurance doesn’t cover injuries during risky activities like off-piste skiing, mountain biking or competitive sport, Flip Roaming can step in.
- No excess: Unlike travel insurance, which often comes with an excess on claims, Flip Roaming has no excess, so you get reimbursed for all eligible medical costs overseas up to $20,000.
- Post-return recovery cash: Flip Roaming offers an extra recovery payout of up to $50,000 to help you with recovery costs back home, something that travel insurance typically won’t cover.
The key differences between Flip Roaming and travel insurance
Let’s break down the main differences between Flip Roaming and travel insurance so you know exactly where you stand. But please also remember to check your travel insurance policy details carefully to see exactly what it covers and read our PDS to see if Flip Roaming is right for you.
Flip Roaming in action
Charlie went snowboarding in Japan
Charlie was snowboarding in Japan when they fell and landed painfully on their knee.
Charlie went straight to the nearby medical centre, where they were diagnosed with a complete tear of their anterior cruciate ligament (ACL) by an MRI.
Charlie paid ¥130,000 (~A$1,150) for the medical care in Japan+
+ Based on the exchange rate at the time.
Here's how we did the math:
-
Overseas Medical ReimbursementFirst up, we'll reimburse the A$1,150 that Charlie paid in Japan
A$1,150 -
Extra Recovery PayoutSprain and Strain, involving complete tearing of a ligament, muscle or tendon
A$2,200 -
TOTAL BENEFIT PAID
A$3,350
Extra peace of mind from just $65 per week
Flip Roaming is available by the week or in 30 day blocks. Pricing is based on the age of the person and the length of cover needed:
Want to be better prepared for your next trip? Check out Flip Roaming and see how it can add an extra layer of support to your overseas adventures. Always read our PDS to decide if Flip Roaming is right for you.
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