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Flip it
Adults & kids
Overseas cover
Overseas cover
Adults
Kids
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
Accidental injury insurance for Covered Destinations outside of Australia & NZ. Get peace of mind with almost all activities covered for one weekly price - no quote required.
Flip Roaming is not travel insurance.
$80
/week
- Get reimbursed quickly with our Overseas Medical Cash.
- Plus, get Extra Recovery Cash, to help you recover.
- We cover most activities from mountain biking to off-piste skiing and more.
- Check the destinations we cover.
- 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
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.
See how it works
Flip Roaming can cover
Note: Overseas Medical Cash can reimburse health services directly related to your Accidental Injury in any of these categories.
- 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
Insurance that wants to pay you
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.
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 Registered Doctor.
Benefits
Accidential Injuries | Payout |
|---|---|
 An Accidental Injury of a severity that requires a diagnosis by an X-ray or ultrasound | $100 |
An Accidental Injury of a severity that requires a diagnosis by an MRI or CT scan | $100 |
An Accidental Injury of a severity that requires at least 2 physiotherapy sessions You must first see a A Registered Medical Doctor who confirms that your injury is of a severity that requires a certain amount of physiotherapy. | $150 |
An Accidental Injury of a severity that requires at least 4 physiotherapy sessions (paid in addition to the $150 benefit above which requires at least 2 sessions) You must first see a A Registered Medical Doctor who confirms that your injury is of a severity that requires a certain amount of physiotherapy. | $150 |
An Accidental Injury of a severity that requires specialist care | $100 |
An Accidental Injury of a severity that requires a cast, brace or splint | $100 |
An Accidental Injury of a severity that requires urgent treatment in a hospital emergency department | $200 |
An Accidental Injury of a severity that requires inpatient hospital care for 2 or more nights | $1,000 |
An Accidental Injury of a severity that requires surgery in hospital | $2,000 |
An Accidental Injury that requires major dental treatment (crown or bridge work, root canal, implants, dentures or splints) | $2,000 |
An Accidental Injury of a severity that requires care in an intensive care unit (ICU) | $5,000 |
An Accidental Injury of a severity that requires continuous ventilatory support in a hospital for 3 or more nights | $15,000 |
An Accidental Injury involving a traumatic brain or spinal cord injury requiring care in an intensive care unit (ICU) for 5 or more nights | $25,000 |
An Accidental Injury involving 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 |
An Accidental Injury that results in the removal of a hand, arm, foot or leg | $50,000 |
*Reminder: A Registered Doctor in Aus or NZ must confirm that your injury is of a severity that requires a certain amount of physiotherapy.
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 Registered Doctor 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, 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
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
88%
of claims assessed were approved
86%
of claims assessed within 5 days
$1,032
average claim payout
*in the past 12 months to April 2025, across all Flip products
Buy Roaming cover
We’ve provided the ultimately flexible insurance to suit your lifestyle
If you're under 18, ask your parent/guardian to purchase your cover
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).
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