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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. Just choose how long you need cover for:
Flip Active pays a benefit for eligible accidents that happen in Australia or New Zealand only.
$7
/day
$25
/week
$99
/90–days
$180
/180–days
Prepaid
$40
/month
$299
/year
Subscription
- 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
4.8
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Backed by
Flip provides extra cash to help with the true cost of an accidental injury
Medicare and private health insurance can cover many health-related costs, but you can still be left with unforeseen expenses as you recover.
Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash
Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash
Check unseen costs
A cash payout from Flip, can help with unforeseen costs from your injury
Example of unexpected costs from a shoulder injury:
Extra takeaway meals | -$80 |
Repair broken gear | -$150 |
Ubers to and from work | -$175 |
Medical bills | -$500 |
Days off work | -$800 |
Your bank account | -$1,705 |
Flip cash payouts
Flip Cover
You’ll receive a Flip payout on approved claims based on your injury severity. We’ll pay cash directly to you and you can use it however you want.
Example of a cash payout from a shoulder injury that had a rotator cuff tear:
 Complete tearing of a ligament, muscle or tendon Cash payout | $2,200 |
Check unseen costs
See Flip cash payouts
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
We pay you cash directly to your bank account on approved claims, to spend however you want.
You are eligible for a benefit if you suffer an Accidental Injury that meets one of the descriptions in the Benefits table as determined by a Health Professional.
- For one Accident you can qualify for one benefit type
- If you suffer multiple Accidental Injuries from the same Accident, we will pay the highest benefit you qualify for.
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
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 $25 for the week, and got a payout of $5,000.
For illustration purposes only.
- Spinal cord injury
$5,000
Charlie
Snowboarding accident
Charlie was snowboarding when they fell and landed painfully on their knee. Charlie was referred to a specialist and required surgery to repair their torn ligament.
They paid $99 for the winter season and got a $2,200 payout.
For illustration purposes only.
- Complete tearing of a ligament, muscle or tendon$2,200
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.
Also buying for kids?
Save 20% on select kids covers with code
KIDS20
T&Cs at flipinsurance.com.au/promo-terms
PREPAID | buy up front for a set period
Day cover
Buy as many days as you need for one off or occasional events
$7 a day
Week cover
For people looking for cover 4 days or more in a week
$25 a week
Or cover for the season
90 day or 180 day cover for active people & seasonal sport
From $1 a day
Subscription | for peace of mind that you’re always covered
Subscribe and save for peace of mind
Monthly and annual plans for people who are active throughout the year
$40 per month
or pay annually and save
$299 per year
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
What evidence do I need to provide?
Click here to find out more about making a claim.
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.