Skier performing a stunt jump
Snowboarder on hilltop
Snowboarder Performing a Jump
Snowboarder Falliing
Men having fun jumping to the water from a boat
Two skiers going up the snow hill
From $7 a day
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From $7 a day

Injury Insurance for Sports accidents

Cover for (most) sports and activities

Gear up for your favourite sports and activities with Flip’s flexible insurance for accidental injuries. Our personal insurance covers a range of injuries for adults and kids in Australia, NZ and other covered countries. Check out our sport-specific pages to learn how Flip can give you the freedom to chase your sporting dreams with less worry about injuries. 

Popular sports that Flip can be used for

Favourite sport not here?

Don’t worry - Flip’s sports injury insurance provides cover for accidents in (nearly) every sport under the sun (unless it is motorcycling, illegal or booze-related, then you’re good to go!).
Find your sport

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Flip covers accidents that are a result of Rock Climbing
Unfortunately Flip doesn’t cover accidents as a result of Motorcycling
We don't have that in our list. Unless it is motorcycling, illegal or booze related then it is good to go!
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Why sports injury insurance is becoming more popular in Australia

Aussies love sport.

Over 40% of us participate in sports every week, but it comes at a cost, with over 65,000 hospitalisations in 2020-21.

Aussies spend around $29.8 billion in out-of-pocket medical expenses each year. Ouch.

Sports insurance eases the financial pain of injuries.

Sport is great for your physical and mental health, and if you’re playing sport with Flip activated and get an injury that we cover, we give you a set cash payout within a few days for eligible claims.

What Flip users are saying

I would highly recommended Flip insurance, the claim process is exceptionally easy to navigate and all information for the process explained. 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!
Bodhi S
Flip were incredibly easy to work with and the process of putting in a claim is super simple. It is so easy to switch on your cover even if you think you don't need it. I highly recommend anyone who is active like me, who loves extreme sports, to get cover with Flip.
Carter G
The claim process is as straightforward as it could possibly be!
Daniel M | Mountain biker
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!
Dougal | Mountain biker
Flip is simple and I can choose exactly when I want cover. 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.
Marie | Yogi | Runner | Cyclist
Person Climbing a hill on sunset
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.
Stitch | Runner | Boxer | Noob mountain biker
Mountain Bike Accident
Between all of my sports, I probably get injured more than most. I feel super protected with Flip because it helps with out of pockets gaps, and random expenses. I wouldn’t be without it for the peace of mind.
Ege | Soccer player | Indoor rock climber | Snowboarder
Snowboarder Performing a Jump

Flip it on when you need it, flip it off when you don’t.

Frequently Asked Questions

What is Flip’s on-demand accidental injury insurance?

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It is a type of personal insurance that provides cover if you have an injury from an accident. Flip has a range of accidental injury insurance products that offer cash payouts for eligible accidental injuries that happen whilst you're covered. There are no waiting periods and no cancellation fees. You can use your cash however you like, whether it’s on medical costs that aren’t covered by your insurance, Ubers to your appointments, or getting a babysitter or food delivery while you’re out of action. Whatever works for you.

My Flip accidental injury insurance wasn’t turned on at the time of my accident. Can I claim?

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No. With Flip accidental injury insurance, you’re covered for a range of accidental injuries that happen while your insurance is active.

This means you’re not covered for anything that happens before your insurance starts or after it ends.

To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.

Do you cover extreme sports?

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When you have an active Flip Active, Flip Kids or Flip Roaming policy, you or your child are covered for almost any sport, hobby or activity (except motorcycling) and even extreme sports. Check the PDS for more detail.

Is Flip Roaming a type of travel insurance?

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No. Flip Roaming is different from commonly available forms of travel insurance because it covers you for accidental injuries only. While it provides cover for the costs of overseas medical care you receive, it also pays you a set amount based on the severity of the injury you get. Some people use Flip Roaming alongside travel insurance for extra protection, if they are doing something not covered by their travel insurance. Read our PDS to see if Flip is right for you.

Does Flip cover professional athletes?

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Yes, we welcome weekend warriors and professionals alike when they want personal sports insurance for general training, event days or competitions in a range of countries.

If I buy a Flip product, am I (or my kids) only covered for injuries that happen at sporting events?

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No, when your insurance is active, you’re covered for accidental injuries in all sorts of situations, even when jumping out of bed.

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We're backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer, HCF