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
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Covered Destinations
- Canada
- European Union Countries
- 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
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
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.
Get injured overseas
Have an accidental injury in a Covered Destination, while your insurance is active and visit a Registered Doctor within 14 days.
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.
Flip Roaming can cover:
- 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
Plus: Extra cash to help you recover
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
- 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
- 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
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.
Cover while doing (almost) anything
However, Flip Roaming is not travel insurance, and there are some things we don’t cover...
Motorcycling +
Some dental injuries +
War +
Being under the influence of alcohol +
Some of injuries caused by a parent +
Medical Conditions Injuries +
Intentional self-injury or attempted suicide +
Paid work or employment +
Illegal acts +
Taking illicit drugs or taking medication not as directed +
Injuries that happen gradually over time +
Medical procedures or related complications +
See Flip in action
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
of claims assessed were approved
of claims assessed within 5 days
average claim payout
Buy Roaming 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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