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

How to make a claim

Simple claims so you can focus on recovery

We’ve made claiming painless. A simple online process makes it even quicker to get claims approved and cash in your pocket. Most claims are approved within a few business days.

How to make a Flip claim


Gather evidence

For every injury, you will need to provide medical evidence including:

  • health professional’s name and provider number
  • time of the accident
  • cause of the injury
  • injury diagnosis
  • treatments required

For even faster assessment of your claim:

  • grab witness details
  • get photos of the accident (like pictures of where it happened or damaged equipment)
  • get proof of the activity (like a Strava screenshot that shows the time)

Flip Active and Flip Kids

  1. Get evidence of the accident e.g. date, time and location.
  2. See a health professional within 14 days of the accident to diagnose your injury.
  3. Get them to confirm you meet one or more covered benefits within 6 months of the accident.

To get the most out of your Flip Active or Flip Kids claim: 

  • For one accident, you can qualify for multiple benefit types.
  • You can claim each benefit type once per accident.
  • You can receive up to $50,000 in payouts.

Flip Roaming

  1. Get evidence of the accident e.g. date, time and location.
  2. See a Registered Doctor within 14 days of the accident to diagnose your injury.
  3. Get them to confirm you meet one or more of the Extra Recovery Cash benefits within 6 months of the accident, even after returning to Australia.
  4. Keep the evidence of any expenses you paid for Overseas Medical Care.

To get the most out of your Flip Roaming claim: 

  • For one accident, you can qualify for multiple benefit types under the Extra Recovery Cash benefits. 
  • With the Extra Recovery Cash benefit, you can qualify for multiple benefit types,  claim each benefit type once per accident, and you can receive up to A$50,000 in payouts.
  • With the Overseas Medical Cash benefit, you can claim up to a total of $20,000 in reimbursements for eligible Overseas Medical Care you receive at a covered destination. 

Make a claim in minutes

  1. Go to your Flip dashboard.
  2. Answer a few questions, like where and when the accident happened, and what you were doing at the time. Be as detailed as you can.
  3. Upload the evidence you gathered as required.
  4. We give you cash payouts for eligible claims. 
  5. It's easy and takes only a few minutes.

Get paid fast. Straight up cash 💸

We’re on your side, and we want to pay your claim. As long as you’ve given us all the evidence we asked for and everything stacks up, you’ll get paid fast and you can spend the cash however you like.

Frequently Asked Questions

How can I use the cash payouts?

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You can use your cash however you like.

Here’s a list of some of the things people generally spend their money on when they get injured:

  • casting material, moon boots, braces, slings, splints or crutches
  • specialist gaps from the physio, dentist or surgeon
  • anaesthetist fees
  • ambulance fees
  • transportation if you can’t drive like Ubers and taxis
  • assistance while injured like getting a baby sitter, dog sitter or food delivery

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.

How do you know when I had my injury?

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When you submit your claim, you’ll need to provide proof of your accident and injuries, including where and when they happened.

I have an illness or health condition. Can I claim?

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Flip accidental injury insurance covers injuries caused by accidents. Illnesses, health conditions, or injuries not caused by accidents aren’t covered.

When will I get my claims payout?

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Once your claim is approved, we’ll organise the cash straight away. Whilst we hope the money gets to you ASAP, this can depend on your bank and business hours.

We’ll never take more than 5 business days to send your cash once your claim is approved.

I’m making a claim on behalf of a Flip customer who is badly injured and can’t make the claim themselves. Where do I start?

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We're so sorry to hear that. Please contact our helpful team so we can kick-start the process for you.

Who’s considered as a Health Professional?

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A Health Professional is a registered medical practitioner or dentist in Australia or New Zealand, relevant to your injury. Examples of registered medical practitioners include general practitioners, surgeons or registered nurses. Physiotherapists are not registered medical practitioners.

What are the maximum claim limits?

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Once we’ve paid you $50,000 in cash payouts for Flip Active or Kids, or $70,000 for Flip Roaming, your insurance will end and you won’t be able to buy further cover under Flip’s insurance product range.

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