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Why flexible personal accident insurance makes sense
Most people’s activity levels shift over the year. Maybe you're all about winter sports for a few months, then you have a burst at the gym, then there’s a work crunch where you barely leave the office. Even if you’re a daily cyclist and more set in your routine, there still might be changes like a long overseas trip that change the way you want to be covered.
Flip's flexibility means you can only pay for cover when you actually feel at risk of injury, and you can change your mind when your routine changes.
Understanding how you can buy Flip: prepaid vs subscription
Before diving into which option suits your lifestyle, you need to understand the two different ways you can purchase Flip cover. Each approach gives you different levels of flexibility and control.
Prepaid options: pay once, use it up
Prepaid options work like buying a ski lift pass. You pay upfront for a specific period, then it finishes when the time period you've paid for is up.
What you get
How prepaid works
- Choose your period and pay once
- Cover starts immediately (or you can schedule it up to a year ahead)
- Your insurance automatically ends when the time period finishes
- No ongoing payments or commitments
Cancelling prepaid cover
- Day/week cover: Once activated, you're covered for the full period with no refunds available
- 90-day/180-day season passes: If you need to cancel partway through, please contact help@getflip.com.au and you may get a partial refund. Flip will keep $40 for each full or partial month your cover was active, so the cost works out just like a standard monthly subscription for the time used. This option is only available if you haven’t made a claim and don’t intend to.
Subscription options: ongoing protection made simple
Flip subscriptions work like Netflix or Spotify, you set up automatic payments and your cover keeps rolling until you decide to stop it.
What you get
- Monthly subscription ($40/month): Flexibility to pause anytime
- Annual subscription ($299/year): Best value with year-round confidence
How subscriptions work
- Set up once with automatic payments
- Your cover renews automatically each billing cycle
- You can pause, cancel, or adjust anytime through your Flip account
- You stay protected continuously without having to think about it
Cancelling subscription cover
- Monthly: Cancel anytime through your account—you'll stay covered until the end of your current month, then it automatically ends
- Annual:
- Option 1: Cancel through your account—stay covered for your full year, then it stops (no refund)
- Option 2: Cancel immediately by contacting help@getflip.com.au. The same partial refund policy applies where Flip keeps $40 per month for the months you were covered and returns the rest if it’s more than what you paid. This essentially means you pay the same rate as if you'd chosen monthly subscription cover for the time you were actually protected.
You can read more about cancelling your cover in our PDS.
How it can work in practice
To show you just how adaptable Flip can be, let's follow Alex through their year. Alex is a 34-year-old living in Melbourne who loves exploring and staying fit. Here’s how Alex uses different Flip cover types across a year—keeping costs under control and maximising value.
For Alex, the total spent on tailored, flexible cover through three busy seasons is $204, much less than the annual subscription of $299. In November, after crunching the numbers and planning to get back to cycling and gym training all year, Alex decides to activate an annual subscription for maximum convenience and value.
This is a fictional example we created to demonstrate Flip’s flexibility and value.
How to choose the right cover for you
The key to picking the right Flip cover is to assess your activity patterns. Here's a chart to help you:
Smart strategies for different lifestyles
We can’t tell you what cover to buy, but here are some general guidelines to help you decide. Always read our PDS to see if Flip is right for you.
Single day of cover
Best for: spontaneous adventures, competition days or when you’re doing something that feels risky.
You’ve signed up for a charity fun run, your mates have dared you to join them in the boxing gym, or you’re squeezing in some extreme white water rafting while on holiday. A single day of Flip Active cover means you pay only for the day you actually need – no more, no less.
7-day package
Best for: extra active weeks, sports trips and family holidays.
Think a school ski trip, a week of back-to-back sports tournaments or a week-long snowboarding holiday. You can grab a 7-day package instead of stacking single days, saving money and keeping things super simple.
90-day season pass
Best for: full sport seasons, three-month training blocks, or back-to-back events.
Whether you’re powering through winter footy, prepping for a marathon or hitting the slopes regularly over the snow season, the 90-day pass keeps you protected through the stretch of consistent activity, with better value per day.
180-day season pass
Best for: longer sport seasons or for people who take breaks between activity bursts.
You might be a year-round athlete but like to mix it up: surf in summer, play cricket in autumn, or alternate sport codes. The 180-day season pass gives you the flexibility to cover big blocks at the lowest daily price for prepaid cover.
Monthly subscription
Best for: active most weeks of the month, with routine that changes.
If you’re cycling to work, hitting the gym regularly, or juggling cricket, golf, and the occasional run, monthly keeps your cover rolling but lets you pause any month you break your habit (like for travel or work).
Annual subscription
Best for: year-round active people and value-seekers wanting total peace of mind.
If your routine is set, whether you run, ride, or play sport in every season—the annual subscription delivers the lowest daily price overall. Turn it on and know you’re covered every day of the year whether you’re active or not—because accidental injuries can happen any time.
Getting maximum value from your cover
Here are our top tips for getting the most out of your Flip cover:
- Mix and match throughout the year: You don’t have to feel locked in. Start with daily, upgrade to seasonal then switch to annual when your season pass has finished—whatever suits your evolving routine.
- Schedule cover in advance: Planning a ski trip in six months? You can activate cover up to a year ahead, so you don’t forget to switch it on.
- Cancel when it makes sense: Monthly subscriptions can be cancelled, so you're not paying for cover during inactive periods.
- Consider the math: If you're using monthly cover for more than 7-8 months per year, annual might offer better value.
The bottom line
Flip's flexibility is designed to give you total control over your cover and your costs. Whether you're testing the waters with a single day or locking in a low rate for year-round protection, the key is understanding what’s right for your current situation. And if your situation changes? No problem, that's exactly what Flip is built for.
Author: Jo Harrison
