Your own equipment
Your policy can cover your skis, poles, boots and other insured equipment if they’re lost, stolen or damaged.
Check both the overall equipment limit and any maximum amount the insurer will pay for one item.
Ski travel insurance
Compare travel insurance with ski cover
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Most travel insurance does not cover winter sports as standard.
You must select the winter sports cover add-on when comparing quotes to be sure your policy covers these activities.
Does standard travel insurance cover skiing?
No, travel insurance often doesn’t include skiing, so you’ll normally need to add winter sports cover to your policy.
Travel insurance with ski cover can protect you against skiing-specific risks alongside your standard travel cover. Depending on the policy, this could include emergency medical treatment and mountain rescue, ski equipment, piste closure and avalanche disruption.
When you compare with MoneySuperMarket, make sure you select winter sports cover and check that skiing and any other activities you have planned are included.
What does travel insurance with ski cover include?
Cover varies between insurers, so check the policy limits, conditions and exclusions before you buy.
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What may be covered
Emergency medical treatment: Cover for eligible medical costs if you’re injured while skiing
Mountain rescue: Emergency mountain or helicopter rescue where included by your policy
Ski equipment: Cover for your own or hired skis and equipment if they’re lost, stolen or damaged
Replacement equipment hire: Cover towards hiring equipment if yours is lost, stolen, damaged or delayed
Ski passes and lessons: Some policies cover unused ski passes, lessons or equipment hire following illness or injury
Piste closure: Some policies offer compensation or alternative travel costs if qualifying pistes close
Avalanche disruption: Cover may help with additional travel or accommodation costs following an avalanche
Personal liability: Cover may help if you accidentally injure someone or damage their property while skiing
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What may not be covered
Unlisted activities: You may not be covered for activities that aren’t included in your policy
Off-piste restrictions: Off-piste skiing may be excluded unless you meet conditions set by the insurer
Professional or competitive skiing: Racing, competitions and professional training may need specialist cover
Unattended equipment: Claims may be refused if your ski equipment is left unsecured or unattended
Missing safety equipment: Cover may be affected if you don’t use safety equipment required by the policy
Alcohol or recreational drugs: Claims linked to excessive alcohol or recreational drug use may be excluded
Undisclosed medical information: A claim could be affected if you don’t provide medical information your insurer asks for
Travel against official advice: Cover may not apply if you travel against relevant Foreign, Commonwealth & Development Office advice
What should I compare in a ski travel insurance policy?
Price is important, but policies can offer very different levels of ski cover, so compare the benefits that are most relevant to your trip.
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Medical cover
Check the overall limit for emergency medical treatment abroad
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Medical rescue
Check whether mountain and helicopter rescue are included
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Ski equipment
Compare the overall limit for your skis, boots and other equipment
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Single-item limit
Make sure valuable equipment isn’t worth more than the policy will pay for one item
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Replacement hire
See what you can claim if you need to hire equipment during your trip
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Piste closure
Check when cover applies and how much the policy will pay
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Avalanche cover
Look at what travel or accommodation costs are covered
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Off-piste terms
Check where you can ski and whether you need to be with a qualified guide
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Excess
Compare how much you’ll need to contribute if you make a claim
Am I covered for off-piste skiing?
It depends on your policy - some travel insurance with winter sports cover includes off-piste skiing only when certain conditions are met, while other policies may exclude it. For example, your insurer may require you to:
Stay within recognised resort or ski-area boundaries
Ski with a qualified or experienced local guide
Follow local safety and avalanche advice
Use specified safety equipment
Ski touring or travelling into more remote backcountry areas may also be treated differently from ordinary recreational off-piste skiing.
How does ski equipment cover work?
Ski equipment can be expensive to repair, replace or hire at short notice, so make sure you know exactly what your policy protects and the limits that will apply.
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Hired equipment
Some policies cover hired skis or snowboards if they’re lost, stolen or damaged while you’re responsible for them.
Be sure to read the terms of your policy and any excess you’ll need to pay.
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Replacement equipment
Some policies contribute towards replacement hire if your equipment is lost, stolen, damaged or delayed.
Look at the daily and overall limits on your policy before you travel.
How much does travel insurance with ski cover cost?
The price you pay will depend on your destination, age, health, length of trip and the cover you choose.
What affects the price of ski cover?
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Your destination
Where you’re skiing can affect your premium, particularly where medical and rescue costs are higher
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Your trip length
How long you’re away and whether you choose single-trip or annual cover can affect the price
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Your age and health
Your age and any medical information the insurer asks for can affect the quotes you receive
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Your cover
Higher limits, optional extras and the activities you plan to do can affect your premium
What else should I consider with ski cover?
Here's what to keep in mind when choosing travel insurance with ski cover.
Can I get ski cover with a medical condition?
Yes, having a medical condition doesn’t necessarily stop you getting travel insurance with winter sports cover.
Make sure you answer any medical questions fully and accurately when you get a quote - remember, your health may affect your premium, the cover available or the terms of your policy. If your condition makes it difficult to find suitable cover, a specialist medical travel insurer may be another option.
Do I need travel insurance if I have a GHIC or EHIC?
Yes. A valid Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) can help you access medically necessary state healthcare in eligible countries, but it doesn’t replace travel insurance. A GHIC or EHIC won't cover:
Private medical healthcare
Repatriation to the UK
Mountain rescue at ski resorts
Lost or stolen belongings
What destinations are included with ski cover?
You can take out travel insurance with ski cover that will insure you to travel to most destinations, so long as they're not on the UK government's do-not-travel list.
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.
How do I compare ski cover with MoneySuperMarket?
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Tell us about your trip
Tell us where you’re going, when you’re travelling, who needs cover, and whether they have any medical conditions
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Compare your options
Compare prices and features like medical rescue, ski equipment, piste closure, avalanche cover and off-piste terms
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Enjoy your holiday
Once you've picked your deal, click through to the provider to finalise your purchase and you'll be ready for your holiday!
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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Save money
Compare quotes from the UK's leading travel insurers and filter through a range of policies that suit your budget
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Earn rewards
Buy through us and get up to £5[4], plus other SuperSaveClub rewards
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We're trusted
MoneySuperMarket is the UK's most recommended price comparison website[1].
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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But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.
Reviewed on 8 Oct 2026 by
Sources and supporting information
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[1]
YouGov Survey 1st July 2025 to 30th June 2026. Net Recommend score derived from "Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?" Base: Current Customers of (MoneySuperMarket n=17,883, Compare the Market n=16,193, Go.Compare n=8,523, Confused.com n=7,918, Uswitch n=514)
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[2]
Data based on the minimum price of travel insurance sold through MoneySuperMarket with winter cover in September 2026. Prices vary based on your personal details & circumstances.
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[3]
Data based on the 51st percentile price of travel insurance sold through MoneySuperMarket with winter cover in October 2026.
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[4]
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
