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Ski travel insurance
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What is Ski Travel Insurance?
Ski Travel Insurance is a type of travel insurance which provides protection against the specific risks associated with skiing and snowboarding holidays.
These include accidents skiers and snowboarders might suffer on the pistes, such as collisions and falls, and associated medical costs. It also covers mountain rescue, repatriation, and medical emergency. Your ski and snowboard equipment are covered too.
The right snowboarding and ski travel insurance ensures you can head to the slopes confident you are comprehensively covered for anything that might go wrong.
Can I get travel insurance if I have pre-existing medical conditions?
Healthcare costs and medical treatment abroad can be very expensive. With travel insurance, you can explore the world with confidence, even if you have a pre-existing medical condition such as diabetes or cancer – as long as you tell your insurer about it.
We can show you prices from a panel of specialist insurers that offer medical travel insurance covering a wide range of medical conditions. Premiums are often higher than a standard policy, but at least you’ll be covered should a condition flare up while you’re away.
If you're still struggling to find suitable cover, the MoneyHelper website provides a list of specialist insurers to help you get adequate cover, or you can call the British Insurance Brokers Association on 0370 950 1790.
What does Ski Insurance cover?
Travel insurance with ski cover includes standard features like coverage for lost luggage, cancellations, and medical expenses, plus extra protection specifically for skiers and their gear.
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What’s Included:
Ski pass: Covers for loss or theft of ski pass.
Equipment (Owned or Hired): Protection against damage to ski/snowboard gear, including cover for delayed luggage.
Piste closure: Compensation if the mountain is closed due to too little or too much snow, including avalanche risk.
Personal liability: Coverage if you accidentally injure someone while skiing or snowboarding.
Relocation or delays: Assistance during extreme conditions like avalanches.
Medical costs: If you need medical treatment due to an accident on the slopes.
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What’s Excluded:
Influence of Drugs/Alcohol: Accidents or injuries occurring under the influence.
Lost Equipment Due to Negligence: Losing gear due to carelessness.
Ignoring Government Advice: Travelling against official recommendations.
Improper Use or Lack of Equipment: Injuries due to misuse or inadequate gear.
High-Risk Activities: Excludes heli-skiing, snowmobiling, off-piste skiing, ski touring, etc.
Competitive/Professional Sports: Injuries during competitive or professional winter sports.
Pre-Existing Conditions: Unreported existing medical conditions.
Helmet Requirement: Some UK insurers require helmet use for policy validity.
What protection does a GHIC or EHIC card offer?
If you are going on a ski trip to an EU country or Switzerland, such as skiing in the Alps, then your Global Health Insurance Card (GHIC) or valid EHIC will cover you for:
Emergency medical treatment in a local public hospital
Pre-existing conditions that require emergency treatment
But you will still need travel insurance for:
Cancellation or delays
Repatriation
Mountain rescue
Lost or stolen baggage or possessions
Trips outside Europe (EU)
‘Global’ doesn’t mean the card covers worldwide
Norway and Iceland are also exceptions to GHIC's European coverage
The GHIC replaced the old EHIC but if you already have an EHIC issued before the end of 2020, it will be valid until the expiry date.
What Else Should I Consider With Ski Travel Insurance?
Here's what to keep in mind when choosing the best Ski Travel Insurance for you.
Destination
Skiing travel insurance just for Europe will be cheaper than worldwide policies. This is because medical expenses can be very high in some destinations such as the USA and Canada.
Solo, Couple or Group
You can buy ski travel insurance or snowsport insurance for an individual, couple, a family or group. Joint policies normally work out cheaper than everyone having an individual policy.
Equipment
Check that your winter sports insurance covers equipment such as skis & snowboards against damage, loss or theft. If you have expensive equipment, make sure it’s fully covered. Travel insurance for snowboarding or skiing will also cover damage to rented equipment.
Health
When you take out ski travel insurance, you’ll need to declare all pre-existing medical conditions of anyone on the policy to the insurer. Some conditions will be included at no extra cost, while others will be covered for an extra premium. Some serious conditions may be excluded – but you could buy specialist travel insurance in that case.
How can I get the cheapest ski holiday insurance?
Price is important but bear in mind that cheapest might not be best when it comes to winter sports insurance. It’s crucial to make sure you have sufficient cover in place for your destination and the sports you plan to participate in.
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Compare quotes
By comparing quotes from multiple brands you can quickly find the lowest price on policies with features that match your needs.
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Consider optional extras
Avoid over-insuring by deciding whether you'll use policy add-ons, like gadget insurance, and check if features are already covered abroad by other policies like home insurance.
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Consider annual cover
If you travel more than twice a year, an annual multi-trip policy can save you money and the hassle of finding a new policy for each trip.
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Increase your excess
Opting for a higher excess can lower your premiums, but keep in mind that you'll have to contribute more towards any claim.
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Group travel cover
Consolidating family members or multiple travellers under a group travel policy may offer cost savings compared to individual coverage for each person.
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Be mindful of trip length
With single trip cover, your premiums reflect the length of your trip, so don’t pay more than you need.
Our expert says…
We rarely dwell on the chances of being airlifted at altitude when we plan a holiday except, maybe, when it comes to skiing. But whether you’re a downhill marvel or a nursery slope novice, injuries are commonplace, and the cost of getting you down the mountain and patched up can be truly breathtaking. Adequate insurance is a must for this and many other unique and expensive issues you might face.
Just remember the ‘under the influence of alcohol’ exclusion clause in your policy when hitting the apres-ski
Kate Hughes Money & Savings Expert
Why compare travel insurance with MoneySuperMarket?
Whether you need worldwide cover, a single trip, or a multi-trip policy, at MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
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Quick and easy to use
Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.
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Save money
Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.
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Related guides and tips
Keep up to date and find out all you need to know with our latest guides.
What Do I Need to Get a Ski Trip Insurance Quote?
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Tell us about yourself
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
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We'll do the legwork
We'll fetch quotes from the top UK travel insurance providers and include a handy link to their policies with winter sports cover
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Enjoy your holiday!
With your travel insurance sorted, you can get back to planning your next adventure
When should I buy ski insurance?
You should buy ski holiday insurance as soon as you've booked your holiday, just as you would with any other type of travel insurance. Whether you are a pro or a beginner, accidents on the piste can happen when you least expect it. Your insurance can help protect you against medical costs, provide medical evaluation and also help in unfortunate events of theft or damage to your equipment.
Can I get ski insurance with Covid cover?
Yes, your winter sports travel insurance can include a level of Covid cover however, the amount of cover will differ between providers. You can find travel insurance with Covid cover from leading UK insurance providers.
Does ski insurance cover snowboarding as well?
Yes. Ski insurance and snowboard insurance are both covered under winter sports cover. More comprehensive policies might include off-piste skiing insurance too.
Does winter sports cover protect my own ski equipment?
Yes. Winter sports travel insurance covers your own equipment plus the cost of hiring anything you need if your gear is damaged, lost or stolen.
Does ski holiday insurance cover off piste skiing?
Yes, usually. As long as you aren't skiing against local authority advice or against the advice of resort management, you will be covered for off-piste skiing. Some policies stipulate that you must go with a guide, or not alone.
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