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Flip it
Overseas cover
Adults
Kids
Flip Roaming
Flip Roaming gives you extra protection against accidental injuries for higher risk activities that some travel insurers don’t cover. It can complement your travel insurance in Covered Destinations outside of Australia & NZ.
For a weekly flat price - no quote required.
What’s the difference?
Flip Roaming pays a benefit if you suffer an accidental injury overseas, including when you're active or adventurous.
Travel insurance covers medical costs resulting from illness or injury, travel related costs such as cancellations or lost luggage and the cost of repatriation or transport back to Australia.
- We pay back 100% of your overseas medical costs relating to an accidental injury with Overseas Medical Cash*.
- Plus, get Extra Recovery Cash, to help you recover.
- No excess.
- We cover most activities from mountain biking to off-piste skiing and more.
*Up to $20,000. Terms and Conditions apply. See the Flip Roaming PDS.
- 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
Backed by
Covered Destinations
Diving in Fiji, skiing in Japan, or adventuring in Europe, Flip Roaming has you covered for accidental injury for the following Covered Destinations - even if you're competing for prize money.
- Canada
- European Union CountriesAustria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Switzerland, Sweden, United Kingdom
- Indonesia
- Fiji
- Japan
- Norway
- Switzerland
- United Kingdom
What about 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.
Want more destinations?
Let us know what other countries you’d like to see us cover, by emailing us at help@getflip.com.au
Is your destination missing?
Check the destinations we cover
How it works
As well as reimbursing you for your overseas medical expenses, Flip Roaming also pays you cash straight to your bank account if you suffer an eligible Accidental Injury while you are overseas at one of our Covered Destinations.
Flip Roaming does not provide you with cover for an Accidental Injury suffered in Australia or New Zealand.
Buy anytime - even after you’ve left
Unlike traditional travel insurance, you don’t need to buy Flip Roaming before leaving Australia.
You can turn on cover while you’re already overseas — perfect for protecting just the active parts of your trip.
Two types of benefits:
Flip Roaming cover provides two types of benefit in relation to an Accidental Injury:
Claim either, or both:
You can claim under either or both benefits up to a maximum of A$70,000 in total (which is the maximum amount payable under this Insurance).
Overseas Medical Cash
Full cost of your overseas medical expenses
up to $20,000
No Excess
No Excess
+
Extra Recovery Cash
Cash in hand payout for eligible injuries
up to $50,000
=
Your full benefit payout up to $70,000
Examples of how to use Flip Roaming
If you travel to Japan and your luggage is lost, you'll need travel insurance, not Flip Roaming.
If you catch the flu in France or your flight is cancelled, you’ll need travel insurance, not Flip Roaming.
If you break your leg mountain biking in Canada, Flip Roaming reimburses your medical costs (up to $20k) and pays Extra Recovery Cash.
If you’re competing in a tournament or event overseas — like a triathlon or snow competition — Flip Roaming can cover you for accidental injuries while participating.
While travel insurance ends the moment you get back, we know your recovery doesn't so we'll support you back home too with Extra Recovery Cash, that you can claim for eligible accidental injuries on top of getting your overseas medical costs to help your recovery back home.
Most traditional travel insurance can exclude or charge higher premiums for competitive or high-risk activities, but we don't.
Overseas Medical Cash
Up to A$20,000
Get reimbursed for medical care while abroad and claim up to a total of A$20,000 in reimbursements.
1
Buy Flip Roaming
If you get injured and need medical assistance in one of our Covered Destinations, our Overseas Medical Cash benefit means you can claim back up to A$20,000 in cash.
No excess when claiming, so we pay you back 100% of your medical costs up to $20,000
2
Get injured overseas
Have an accidental injury in a Covered Destination, while your insurance is active and visit a Health Professional within 14 days.
We don't cover illness, other travel related costs such as cancellation fees or lost luggage, or the costs of transport back to Australia.
3
Pay for your overseas medical care
You’ll need to pay for your overseas medical services directly. But keep the receipts and medical reports to claim back the costs from Flip.
You need to pay for the medical care first, and claim a reimbursement.
See how it works
Note: Overseas Medical Cash can reimburse health services directly related to your Accidental Injury in any of these categories.
Flip Roaming can cover costs of Accidental Injury
- Emergency care
- Hospitalisation
- Surgery
- Diagnostic imaging
- Ambulances (including air ambulances)
- Immobilisation devices (eg. casts and braces)
- Medications
- Physiotherapy
- Other medical treatment or diagnostics
Flip Roaming does not cover
- Illnesses
- Travel related expenses
- The cost of repatriation or transport back to Australia
Extra Recovery Cash
Up to $50,000
We pay you an extra cash amount directly to your bank account on approved claims, to spend however you want.
We also cover your recovery when you get back home
We pay you up to $50,000 in cash directly to your bank account on approved claims, to spend however you want.
- You can claim these Extra Recovery Cash benefits in addition to getting your overseas medical expenses reimbursed from the Overseas Medical Cash benefit.
- You are eligible for a benefit if you suffer an Accidental Injury of a severity that meets one or more of the descriptions in the Benefits table as determined by a Health Professional.
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 | |
Full details of this insurance can be found in the Product Disclosure Statement (PDS)
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
See Flip in action
Charlie
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$1,400) for the medical care in Japan
For illustration purposes only.
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
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, Flip Roaming is not travel insurance, and 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
Luggage & travel related expenses
Medical costs from illness
…and since Flip is not travel insurance it doesn’t cover
Buy Roaming cover
We've made our insurance flexible so it fits your lifestyle.
If you're under 18, ask your parent/guardian to purchase your cover.
Frequently Asked Questions
Is Flip Roaming travel insurance?
No. Flip Roaming is accidental injury insurance, which is different from travel insurance. It covers you for accidental injuries only in covered destinations, offering reimbursement of overseas medical care costs (up to A$20,000) and cash payouts for injuries of a specified severity (up to A$50,000).
Flip Roaming provides accidental injury cover for (almost) any activity, including extreme adventure sports (but excluding motorcycling). Travel insurance policies commonly limit the activities you are covered for.
Travel insurance policies commonly require you to pay an excess in relation to claims or deduct that amount from the claim payment. Flip Roaming doesn't have an excess, so you will be reimbursed for all the costs of your covered overseas medical care for accidental injuries (up to $20,000).
Flip Roaming also offers Extra Recovery Cash payments for accidental injuries of a specified severity (up to $50,000), which you can spend on anything you like. Travel insurance policies are commonly limited to reimbursing your loss and costs incurred only.
If you’re injured in an accident abroad, Flip Roaming can integrate with travel insurance. You can use the cash payouts to cover unexpected expenses, helping to bridge the gaps in your travel insurance.
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.
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?
Yes, you can purchase Flip Roaming cover for your family and your friends, as long as they are eligible to be covered (this just means they need to live in Australia and are aged 5-64).
- When you purchase cover for another adult, we'll get them to register their own account to confirm their policy details and submit their own claims.
- Any purchases for kids 5-17 must be bought by a parent or legal guardian.
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).
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