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Accidental injury cover with no lock-in contracts or waiting periods
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Flip it 
when you need it, flip it off when you don’t.
Whether it's a season, a race or a trip, make your Flip work for you.
- Activate instantly, no waiting periods
- No lock-in contracts
- Get cash payouts for eligible claims
- Lightning fast cover
Trusted by major brands
40,000+ participants covered at 50+ events
What Flip users are saying
My claim was processed and approved within a couple of hours. A very positive insurance experience which is a rarity nowadays! Well done to the Flip team!
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Putting in a claim and switching on your cover is super simple. I highly recommend Flip to anyone who is active and loves extreme sports.
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I received great service from Flip, the communication was clear and professional and they helped me out when I needed it. The coverage is great, it covers all it needs to!
Signing up literally took less than two minutes. Being able to cancel when I don’t need it and get cover again when I do is perfect for my lifestyle.
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I’m always skeptical of insurance products and it being too good to be true, so need to find the catch. Not this time, Flip's the real deal.
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I feel super protected with Flip because it helps with out of pocket gaps and random expenses. I wouldn’t be without it for the peace of mind.
Flip has demonstrated an ability to be nimble and responsive to our needs as an event organiser, and the needs of our event participants.Adding Flip coverage to our event participants, or making it simple for them to purchase themselves have been great value adds to our events.
I set out to find the best insurer to cover our members and I found them! Flip Insurance has gone above and beyond for our members whenever they have an injury. Every claim has been paid out straight away, very happy with the service.
I contacted the Flip team because I wanted to change the way we approach athlete welfare. Working with Flip was about covering people at events rather than leaving them stranded with a waiver form. The team at Flip has the same mentality around wellbeing, so we have a synergy and our partnership has been hugely productive and positive.
Why Flip?
On-demand
Flip it on when you need it, flip it off when you don’t.
Instant
No waiting periods. Get cover on the go in a few taps.
Digital
Lightning-fast sign-up. Make claims and receive payouts from anywhere.
Affordable
Only pay when you need it.
Simple
Straightforward protection with no confusing jargon.
Trustworthy
Backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer, HCF.
Flip in action
Casey | Snowboarding shoulder injury
He got involved in a freak accident where he fell five meters from a chairlift and suffered a severe shoulder injury.
X-ray
$100
CT scan
$100
Specialist care
$100
Cast
$100
Urgent treatment in a hospital
$200
Surgery
$2,000
TOTAL BENEFITS PAID
$2,600
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"I paid $25 for a week of cover and got a payout of $2,600"
Oliver went for a swim
Oliver was out catching waves when his head hit a sandbank as he was diving into the waves. Unable to move, lifeguards pulled him out of the water.
Urgent treatment in an emergency department
$200
X-ray
$100
CT scan
$100
Specialist care
$100
Inpatient hospital care for 2 or more nights
$1,000
Care in an intensive care unit
$5,000
TOTAL BENEFITS PAID
$6,500
"The cover only cost $25 for the week, and I got a payout of $6,500"
Isabella | Footy Injury
She was running down the field, stopped suddenly, and moved left. Her leg then gave out, she heard a cracking noise, and fell to the ground.
Diagnosis by MRI
$100
Specialist care
$100
Surgery
$2,000
At least 4 physiotherapy sessions
$300
TOTAL BENEFITS PAID
$2,500
The claim was assessed very fast and I was given the money very quickly. The money will be going to cover Ubers to and from work, medical bills, days off work and some of it will be going to the surgery cost as well.
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Privacy: Flip collects your personal information that you provide in this form for the purpose of providing you with information about Flip products, services and promotions. If you don’t provide your email address, Flip won’t be able to contact you about these matters. How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt out of direct marketing, is explained in the Flip privacy policy.