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Flip it
AU/NZ cover
Adults
Kids
Flip Active
Accidental injury insurance for anyone living in Australia. Enjoy peace of mind with (almost) all activities covered for a flat price - no quote required.
Flip Active pays a benefit for eligible accidental injuries that happen in Australia or New Zealand only.
- Up to $50,000 cash payouts on approved claims.
- We cover most activities from mountain biking to off-piste skiing and more.
- Easy claims and fast payouts.
- Instant cover with no excess or waiting periods.
- Off-piste skiing
- Back country skiing
- Adventuring
- Snowboarding
- Recreation
- Rugby
- Surfing
- Marathon
- Triathlon
- Basketball
- Sports competition
- Skateboarding
- Off-piste skiing
- Back country skiing
- Adventuring
- Snowboarding
- Recreation
- Rugby
- Surfing
- Marathon
- Triathlon
- Basketball
- Sports competition
- Skateboarding
- Off-piste skiing
- Back country skiing
- Adventuring
- Snowboarding
- Recreation
- Rugby
- Surfing
- Marathon
- Triathlon
- Basketball
- Sports competition
- Skateboarding
Google rating
4.7
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Backed by
Insurance that wants to pay you
Up to $50,000
With our set cash-in-hand amounts, we aim to reduce nasty surprises - you always know what you'll get.
What you’re covered for
If you’re injured in an accident and it matches one of the injuries in our benefits table, we pay cash straight to your bank account on approved claims, to use however you like.
- For one accident, you qualify for one benefit type.
- If you have multiple injuries from the same accident, we pay the highest benefit you qualify for.
See all benefits
Benefits
Accidental Injuries | Payout | |
|---|---|---|
Fractures |  Simple, non-displaced or minimally displaced fractures | $400 |
Spinal fractures | $800 | |
Displaced fractures or open fractures | $2,500 | |
Sprain and Strains | Partial tearing of a ligament, muscle or tendon | $400 |
Complete tearing of a ligament, muscle or tendon | $2,200 | |
Dislocations | Dislocation | $200 |
Dislocation associated with partial tendon or ligament tears and/or simple, non-displaced fractures | $600 | |
Dislocation associated with complete tendon or ligament tears and/or displaced fractures | $2,500 | |
Head Injuries | Concussion | $200 |
Traumatic Brain Injury with neurological symptoms lasting more than 24 hours | $5,000 | |
Traumatic Brain Injury with neurological symptoms that are persistent 1 month after the injury | $25,000 | |
Spinal Cord Injuries | Spinal Cord Injury | $5,000 |
Spinal Cord Injury that results in an inability to move two or more limbs that is persistent 1 month after the injury | $50,000 | |
Dental Injuries | Chipped tooth | $200 |
Single knocked out-tooth | $800 | |
Multiple knocked out-teeth | $2,000 | |
Other Injuries | Wounds that extend deep into underlying tissue, involving muscles, tendons or bones | $400 |
Internal Injuries; rupture of internal chest or abdominal organ | $5,000 | |
An Accidental Injury that results in the loss of a hand, arm, foot or leg | $50,000 | |
Accidental Injuries | Payout | |
|---|---|---|
Fractures | Displaced fractures or open fractures | $2,500 |
Spinal fractures | $800 | |
Simple, non-displaced or minimally displaced fractures | $400 | |
Sprain and Strains | Complete tearing of a ligament, muscle or tendon | $2,200 |
Partial tearing of a ligament, muscle or tendon | $400 | |
Dislocations | Dislocation associated with complete tendon or ligament tears and/or displaced fractures | $2,500 |
Dislocation associated with partial tendon or ligament tears and/or simple, non-displaced fractures | $600 | |
Dislocation | $200 | |
Head Injuries | Traumatic Brain Injury with neurological symptoms that are persistent 1 month after the injury | $25,000 |
Traumatic Brain Injury with neurological symptoms lasting more than 24 hours | $5,000 | |
Concussion | $200 | |
Spinal Cord Injuries | Spinal Cord Injury that results in an inability to move two or more limbs that is persistent 1 month after the injury | $50,000 |
Spinal Cord Injury | $5,000 | |
Dental Injuries | Multiple knocked out-teeth | $2,000 |
Single knocked out-tooth | $800 | |
Chipped tooth | $200 | |
Other Injuries | An Accidental Injury that results in the loss of a hand, arm, foot or leg | $50,000 |
Internal Injuries; rupture of internal chest or abdominal organ | $5,000 | |
Wounds that extend deep into underlying tissue, involving muscles, tendons or bones | $400 | |
Accidental Injuries | Payout | |
|---|---|---|
Spinal Cord Injuries | Spinal Cord Injury that results in an inability to move two or more limbs that is persistent 1 month after the injury | $50,000 |
Spinal Cord Injury | $5,000 | |
Head Injuries | Traumatic Brain Injury with neurological symptoms that are persistent 1 month after the injury | $25,000 |
Traumatic Brain Injury with neurological symptoms lasting more than 24 hours | $5,000 | |
Concussion | $200 | |
Dislocations | Dislocation associated with complete tendon or ligament tears and/or displaced fractures | $2,500 |
Dislocation associated with partial tendon or ligament tears and/or simple, non-displaced fractures | $600 | |
Dislocation | $200 | |
Fractures | Displaced fractures or open fractures | $2,500 |
Spinal fractures | $800 | |
Simple, non-displaced or minimally displaced fractures | $400 | |
Sprain and Strains | Complete tearing of a ligament, muscle or tendon | $2,200 |
Partial tearing of a ligament, muscle or tendon | $400 | |
Dental Injuries | Multiple knocked out-teeth | $2,000 |
Single knocked out-tooth | $800 | |
Chipped tooth | $200 | |
Other Injuries | An Accidental Injury that results in the loss of a hand, arm, foot or leg | $50,000 |
Internal Injuries; rupture of internal chest or abdominal organ | $5,000 | |
Wounds that extend deep into underlying tissue, involving muscles, tendons or bones | $400 | |
Full details of this insurance can be found in the Product Disclosure Statement (PDS)
97%
of finalised claims were accepted
85%
of claims assessed within 5 days or less
Over
$1,102
average claim payout
*in the past 12 month to November 2025, across all Flip products
Easy claims and fast payouts
To create insurance people love, we've made claiming as easy as possible. Just follow these simple steps and we'll get you paid asap.
Activate your Flip cover before you get injured
1
See a Health Professional and gather evidence
2
Submit your claim in the app within minutes
3
Get paid cash. Most claims approved within a few business days
Cover while doing (almost) anything
We're all for having fun and leaving comfort zones. That's why we cover you while doing nearly any activity, from off-piste skiing to chess playing.
However, there are some things we don't cover...
Motorcycling +
If you're injured as a result of riding a motorbike.
Some dental injuries +
A dental injury caused by food or drink, including any foreign object in it while being consumed.
War +
An act of war, whether declared or not, hostilities, civil commotion, terrorism, or insurrection.
Being under the influence of alcohol +
Which means being over the prescribed legal limit for driving a motor vehicle according to the law of the Covered Destination in which the accident occurred.
Some of injuries caused by a parent +
Injuries to an Insured Person under 18 years of age that are caused by a parent, legal guardian, or any person living with the Insured Person.
Medical Conditions Injuries +
Injuries that are caused by medical conditions or medical episodes, e.g., a joint injury caused by osteoarthritis.
Intentional self-injury or attempted suicide +
If you intentionally cause your injury or do something with the intention of injuring yourself, e.g., popping your own shoulder out.
Paid work or employment +
(e.g., food delivery rider), except when the paid work or employment is as a paid professional athlete, sports coach, or sports referee.
Illegal acts +
e.g., riding an e-scooter in a way that is against the law, assaulting someone, or solo paragliding without the relevant certification.
Taking illicit drugs or taking medication not as directed +
Being under the influence of alcohol, taking illicit drugs, or taking medication in a way not as directed.
Injuries that happen gradually over time +
e.g., overuse injuries, such as tennis elbow, runner’s knee, or shin splints.
Medical procedures or related complications +
Accidents or injuries that are caused by medical procedures or related complications
Flip in action
Oliver
Surfing accident
Oliver was out catching waves when his head hit a sandbank as he was diving into the waves. Unable to move, lifeguards pulled him out of the water.
He paid $20 for the week, and got a payout of $5,000.
For illustration purposes only.
Spinal cord injury
$5,000
Choose how you Flip
We've made our insurance flexible so it fits your lifestyle.
Purchase cover for you/or your kids.
Under 18? Ask your parent or guardian to purchase your cover.
Under 18? Ask your parent or guardian to purchase your cover.
PREPAID | buy up front for a set period
Frequently Asked Questions
Am I eligible to buy Flip Insurance?
Flip currently welcomes people that live in Australia, between the ages of 5 and 64.
This includes international students, people on working holiday visas and people on temporary working visas.
Unfortunately, you won’t be able to buy our current insurance products for anyone who:
- doesn't live in Australia
- is temporarily in Australia as a tourist
My activities are really high-risk. Will you cover me?
We cover most activities, so it’s easier to list the activities we don’t cover:
- motorcycling (which includes dirt biking)
- anything illegal
- accidents while working (unless your work is sports related e.g. tennis coach)
- anything that happens outside of a covered country
What counts as an accident or accidental injury?
An Accident is a sudden, unexpected event i.e. you can pinpoint the precise time and location of when it happened.
An Accidental Injury / Injury is an acute injury or other physical damage to a person’s body that is caused by an Accident, and is unintentional.
It doesn’t include:
- chronic injuries, like injuries from overuse, repetitive motion or wear and tear
- accidents that happened before your insurance started or after it ended and pre-existing injuries
- medical episodes or medical conditions like illnesses
- injuries caused by surgery or medical care
My Flip accidental injury insurance wasn’t turned on at the time of my accident. Can I claim?
No. With Flip accidental injury insurance, you’re covered for a range of accidental injuries that happen while your insurance is active.
This means you’re not covered for anything that happens before your insurance starts or after it ends.
To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.
Can I get cover for more than 7 days?
Unlike purchasing Flip directly, when purchasing Flip alongside the registration to an event or entry to a venue, Flip is only permitted to sell you cover for up to 7 days.