Overseas cover

Flip Roaming

Accidental injury insurance while overseas at a covered destination outside Aus/NZ. Up to A$70,000 in cash payouts.
Get reimbursed quickly with our Overseas Medical Cash. Learn more.
Plus, get Extra Recovery Cash, to help you recover. Learn more.
We cover most activities. Check the exclusions.
Check the destinations we cover.

Buy Roaming cover

Per person
Weekly cover
Perfect for cover while overseas
A$80

Frequently Asked Questions

Does Flip Roaming cover travel-related expenses like lost luggage, damaged equipment or repatriation?

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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?

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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?

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  • 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?

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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?

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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?

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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?

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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?

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Flip Roaming covers countries that are part of the European Union (EU).

Flip it
Adults & kids
Overseas cover

Flip Roaming

Accidental injury insurance to cover you while you're adventuring outside of Australia and NZ at a Covered Destination.

Up to A$70,000 in cash payouts.

  • 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

Flip Roaming can be used for...

  • Accidental injury medical costs
  • Cash payouts for recovery
  • Overseas adventure sports coverage
Google rating
4.7
Backed by
Powered by HCF
Best insurance innovation award
Life Insurance Innovation of the Year 2023Life Insurance Innovation of the Year 2024

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 Countries
    Austria, 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

Flip Roaming is designed to pay you cash straight to your bank account if you suffer an 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.

Two types of benefits:

Flip Roaming cover provides two types of benefit in relation to an Accidental Injury.

Overseas Medical Cash benefit reimburses medical care costs, and Extra Recovery Cash benefit pays additional cash to help you recover.

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).

Get reimbursed for medical care while abroad.

Up to A$20,000
Claim up to a total of A$20,000 in reimbursements for eligible medical care while abroad.
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.

2

Get injured overseas

Have an accidental injury in a Covered Destination, while your insurance is active and visit a Registered Doctor 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.
4

Claim your overseas medical care

Login to your Flip account on the Flip app and follow the prompts.

We approve most claims within a few business days and we'll pay you back in cash, straight to your bank account.

Check the FAQs or PDS to see what counts as eligible Overseas Medical Care.
See how it works

Plus: Extra cash to help you recover

Up to $50,000
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.

Check all the benefits

  • Extra Recovery Cash is paid in addition to the Overseas Medical Cash benefit
  • For one Accident, you can qualify for multiple benefit types
  • Unlike travel insurance, which often comes with an excess on claims, Flip Roaming has no excess
If a Registered Doctor confirms that your accidental injury requires any of these covered services: 
  • Diagnosis by an X-ray or ultrasound
    $100
  • Diagnosis by an MRI or CT scan
    $100
  • At least 2 physio* sessions
    $150
  • Major dental (root canal, crown or bridge work, implants, dentures or splint)
    $2,000
  • Specialist care
    $100
  • A cast, brace or splint
    $100
  • Urgent treatment in a hospital emergency department
    $200
  • Inpatient hospital care for 2 or more nights
    $1,000
  • Surgery in hospital
    $2,000
  • Care in an intensive care unit (ICU)
    $5,000
  • Continuous ventilatory support in a hospital for 3 or more nights
    $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 nights
    $25,000
  • A spinal cord injury that results in an inability to move two or more limbs that is persistent 1 month after the injury
    $50,000
  • The removal of a hand, arm, foot or leg
    $50,000

Check all the benefits

  • Extra Recovery Cash is paid in addition to the Overseas Medical Cash benefit
  • For one Accident, you can qualify for multiple benefit types
  • Unlike travel insurance, which often comes with an excess on claims, Flip Roaming has no excess
If a Registered Doctor confirms that your accidental injury requires any of these covered services: 
  • Diagnosis by an X-ray or ultrasound
    $100
  • Diagnosis by an MRI or CT scan
    $100
  • At least 2 physio* sessions
    $150
  • Major dental (root canal, crown or bridge work, implants, dentures or splint)
    $2,000
  • Specialist care
    $100
  • A cast, brace or splint
    $100
  • Urgent treatment in a hospital emergency department
    $200
  • Inpatient hospital care for 2 or more nights
    $1,000
  • Surgery in hospital
    $2,000
  • Care in an intensive care unit (ICU)
    $5,000
  • Continuous ventilatory support in a hospital for 3 or more nights
    $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 nights
    $25,000
  • A spinal cord injury that results in an inability to move two or more limbs that is persistent 1 month after the injury
    $50,000
  • The removal of a hand, arm, foot or leg
    $50,000
Check all the benefits

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 Registered Doctor and gather evidence and keep your receipts
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, 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.

Outside of Covered Destinations +

If you're not in a Covered Destination when your injury happens.

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

See Flip in action

Joe

Mountain biking injury in Canada

He was mountain biking and got involved in an accident where he fell and suffered a massive cut on his arm. He needed urgent treatment in hospital emergency.

“I paid $80 for a week of cover and got a payout of $841”
  • Urgent care
at hospital emergency
    $200
  • Reimbursed medical expenses
    $641
92%

of claims assessed were approved

85%

of claims assessed within 5 days

$1,154

average claim payout

*in the 12 months to November 2024, across all Flip products

Buy Roaming cover

We’ve provided the ultimately flexible insurance to suit your lifestyle
Per person

Weekly cover

Perfect for people seeking cover while overseas
A$80
a week

Frequently Asked Questions

Does Flip Roaming cover travel-related expenses like lost luggage, damaged equipment or repatriation?

arrow down

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?

arrow down

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?

arrow down
  • 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?

arrow down

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?

arrow down

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?

arrow down

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?

arrow down

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?

arrow down

Flip Roaming covers countries that are part of the European Union (EU).