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Ski Insurance

Get travel cover for your ski holiday

Compare winter sports travel insurance deals from 35 trusted UK providers*

Compare quotes for travel insurance with winter sports cover from 35 of the top UK travel insurance providers and find great deals

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*Accurate as of December 2022

Do I need extra insurance for skiing?

Ski insurance is a type of winter sports cover. A standard travel insurance policy won't cover you for a number of situations you may encounter while on the slopes because it is considered a high-risk activity, the main one being medical costs resulting from skiing injuries. Similarly, any lost, damaged or stolen equipment wont be covered under a standard policy which is why it's important to take out additional cover.

purple plane

What does Ski Insurance cover?

Ski insurance will cover you for the standard situations offered by normal travel insurance offers including delays and cancellations, medical costs, and personal possessions. and it also includes ski-related policies such as:

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    Equipment cover

    If you need to replace your equipment or hire alternatives when yours gets lost, damaged or stolen.

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    Medical treatment

    If you need to claim back the cost of any medical treatment for ski-related injuries. However, this is generally only up to a certain amount.

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    Cancellation cover

    If you have to cancel the rest of your holiday as a result of an injury on the slopes.

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    Ski pass cover

    If you need to purchase a new ski pass when yours is lost or stolen.

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    Piste closure

    If you’re unable to ski when the piste is closed. This may only apply if the piste is closed above a certain amount of time, usually between 12 and 24 hours.

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    Off-piste skiing

    Many insurers also offer cover for skiing off-piste. Usually, you’ll need to be accompanied by a qualified guide or instructor.

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    Avalanche delays

    If you can't ski due to an avalanche.

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    Personal liability

    If someone else gets injured as a result of your skiing and you become personally liable.

Will my GHIC card cover me for Skiing?

The GHIC now replaces the EHIC for most people and will continue to be accepted for emergency healthcare in State-run hospitals.

However, the GHIC won’t cover you for things like rescue and repatriation. Furthermore, it won’t be of much use outside of Europe, where medical treatment can cost thousands or tens of thousands.

This is why it can be so important to take out a ski holiday travel insurance policy. This way, you’ll have peace of mind in case things don’t go to plan.

someone skiing down a mountain

Can I get ski insurance if I have a pre-existing condition?

Living with a medical shouldn't stop you from getting specialist cover for your skiing trip but it may make finding the right cover for you a little complicated.

We offer cover for a wide range of medical conditions, but for some you may need to consider specialist cover for travelling with pre-existing medical conditions.

Angela Dove

Our expert says


No matter how experienced you are, unfortunately, injuries are quite common on the slopes. You can never be too careful, which is why it is important to get as much specialist cover as you can get. Medical treatment can be very expensive abroad and it's always handy to cover aspects out of your control such as lost, damaged or stolen equipment.

- Angela Dove, Travel Insurance Expert

Why compare travel insurance with MoneySuperMarket?

At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:

  • Deals tailored to you

    We search through some of the leading insurance providers out there, so you can easily find the cheapest deal that gives you the cover you need.

  • 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.

  • Highly rated

    Thousands of happy holidaymakers say they’d use our services again* – so why not try it now and see how much you could save?

*Source: Feefo. Users rated MoneySuperMarket Travel Insurance 4.7/5.

Super Save with tailored quotes for your ski holiday

  • Single trip

    Single trip travel insurance provides you with cover for one trip and a limited number of days.

  • Joint travel insurance

    If you're planning to hit the slopes with your partner, joint travel insurance can be a budget friendly alternative to purchasing separate policies.

  • Family cover

    If you're travelling abroad as a family, it's a lot easier to have one policy that covers all of you, especially the little ones.

  • Group cover

    Hitting the slopes with a group? Get a tailored policy that covers everyone listed on the policy.

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

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based on 16,834 reviews

Pros: Easy to use very helpful and detailed
Pros: Easy to use and very competitive travel insurance with the benefits of policies at twice the price on other sites. Cons: No, don’t think so.
Pros: It was fast and pain free Cons: no

How much does ski travel insurance cost?

The cost of your ski insurance will depend on a number of factors including:

  • Your age

    Like many insurance policies, winter sports cover is generally more expensive the older you get.

  • Destination

    Your premiums will reflect the risks of the destination you are travelling to. A country with expensive medical care will also increase your premiums.

  • Travel frequency

    If you travel often, taking out a multi-trip policy can you be a cheaper option than insuring each trip individually.

  • Your health

    Travelling with any pre-existing medical conditions can increase your premiums as you may be seen as a high-risk traveller.

How to choose the best travel insurance?

It's important to choose a travel insurance policy that covers your needs. Cheapest isn't always best but there are steps you can take to find the right cover at the right price:

  • Shop around

    Comparing quotes from several brands at once makes it easier to assess whether the price and features meet your needs.

  • Consider optional extras

    Optional add-ons, such as gadget insurance can enhance your coverage, however it’s worth checking whether they're already covered abroad through other policies

  • Check policy type

    If you travel more than twice a year, an annual multi-trip policy can be a great money-saving option for you, saving you from looking for a new policy each time you travel

  • Increase your excess

    Choosing a higher excess can help reduce your premiums. However if you do have to make a claim, you will have to pay more toward it.

Get tailored quotes on Ski Insurance With MoneySuperMarket

  • Tell us about yourself

    Give a few details about you, your travel plans, and what you need cover for.

  • 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

  • Enjoy your holiday!

    With your travel insurance sorted, you can get back to planning your next adventure

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.

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.

Yes. Ski insurance is covered under winter sports cover. This insurance covers activities that regular travel insurance policies will not cover including skiing and snowboarding.

Yes. Winter sports travel insurance covers hiring and reimbursement for lost, stolen or damaged equipment.

Yes. 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.