Flip Roaming
Cash to help you recover.
With Flip Roaming's Extra Recovery Cash benefit, we pay you an extra cash amount directly to your bank account on approved claims, to spend however you want.
This is paid in addition to the Overseas Medical Cash benefit.
Here is what you get...
- Diagnosis by an X-ray or ultrasoundA$100
- Diagnosis by an MRI or CT scanA$100
- At least 2 physio* sessionsA$150
- At least 4 physio* sessions (Paid in addition to the A$150 benefit above)A$150
- Specialist careA$100
- A cast, brace or splintA$100
- Urgent treatment in a hospital emergency departmentA$200
- Inpatient hospital care for 2 or more nightsA$1,000
- Surgery in hospitalA$2,000
- Major dental (root canal, crown or bridge work, implants, dentures or splint)A$2,000
- Care in an intensive care unit (ICU)A$5,000
- Continuous ventilatory support in a hospital for 3 or more nightsA$15,000
Additional specific injury payouts
- A traumatic brain or spinal cord injury requiring care in an intensive care unit (ICU) for 5 or more nightsA$25,000
- A spinal cord injury that results in an inability to move two or more limbs that is persistent 1 month after the injuryA$50,000
- The removal of a hand, arm, foot or legA$50,000
For one Accident, you can qualify for multiple benefit types.
You can claim each benefit type once per Accident and you can receive up to A$50,000 in payouts.
We cover you while doing most activities.
There are some things we don’t cover, check the list below
If your activity doesn't match anything on this list, that means it's covered.
Motorcycling
If you're injured as a result of riding a motorbike.
Injuries outside of Covered Destinations
If you're not in a Covered Destination when your injury happens.
Non sports related work
Paid work or employment isn’t covered (e.g. food delivery rider), except when the paid work or employment is a sports related activity (e.g. tennis coaching).
Overuse injuries
We only cover acute injuries caused by accidents, i.e. they happen all of a sudden and are unexpected. Any overuse injury, like shin splints, runners knee and tennis elbow aren’t covered.
Accidents that happen while your insurance isn't active
If you have an accident before your insurance starts or after it ends, that's not covered.
Dental injury when eating or drinking
Dental injuries caused by food or drink including any foreign object in it while being consumed.
Medical stuff
Accidents or injuries caused by medical conditions or episodes e.g. an injury caused by osteoarthritis, a seizure or a heart attack, or by medical procedures or related complications.
Booze and drugs
Being under the influence of alcohol, taking illicit drugs, or taking medication in a way not as directed.
Intentional self-injury
If you hurt yourself on purpose, that’s not covered. For example, popping your own shoulder out to prove to your mates you can.
Breaking the law
If you’re injured while involved in an illegal act e.g. assaulting someone or solo paragliding without the relevant certification.
War or civil commotion
If you’re hurt during an act of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection.
Injury to a child caused by a parent
Injury to a child caused by a parent, guardian or someone living with the child.
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Frequently Asked Questions
Does Flip Roaming cover travel-related expenses like lost luggage, damaged equipment or repatriation?
No. Flip Roaming helps with the costs of Accidental Injury.
The Overseas Medical Cash benefit reimburses the cost of eligible Overseas Medical Care as a result of an Accidental Injury.
The Extra Recovery Cash benefit pays extra cash amounts for eligible Accidental Injuries.
How long am I covered for?
You can buy cover for one week at a time.
You can choose to start immediately and be covered from that time until the end of the week, or you can schedule it to start up to 12 months in advance and cover will start at 12:00am on that date.
Your Insurance will end 7 days after it starts, at 11:59pm on the 7th day. For example, if it starts on a Tuesday, it will end at 11:59pm on the following Monday.
When you buy cover, we’ll ask you to choose the closest region to where you're travelling and use that timezone.
What activities are excluded?
- Motorcycling (which includes dirt biking)
- Illegal activities
- Activities while taking illicit drugs or taking medication not as directed
- Activities while being under the influence of alcohol
- Work activities, unless your work is paid professional athlete, sports coach or sports referee
What if my plans change and I don’t need Flip Roaming anymore?
To cancel a week that you’ve scheduled for a future date, simply head to Manage Cover on your Flip Dashboard and cancel that week for a full refund.
If the week already started, you won’t be able to cancel it, so you’ll stay covered for accidents until 11.59pm at the end of that week.
Do I have to pay an excess if I make a claim?
No. The only thing you need to pay is the premium when you buy cover, which is $80 for one week.
Can I buy Flip Roaming for someone else?
You can buy Flip Roaming on behalf of a child aged 5-17 living in Australia, if you are their parent or legal guardian.
Flip Roaming can’t be purchased on behalf of another adult, or another child who is not your child.
Does Flip Roaming include New Zealand?
Flip Roaming doesn't provide cover for accidental injuries in New Zealand. But don't worry, we cover accidental injuries in New Zealand with our Flip Active and Flip Kids cover.
Do you cover all countries in Europe?
Flip Roaming covers countries that are part of the European Union (EU).