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1Accurate as of November 2023
There are certain situations that can arise on a winter holiday where standard travel insurance might not cover you. For example, providers view winter sports as being high-risk activities and therefore won’t cover your medical costs if you’re injured. Likewise, standard cover for belongings has certain limits that might not cover expensive ski or snowboarding equipment if it’s damaged or lost.
Winter sports cover is an optional travel insurance add-on that's specially designed to protect you against risks that are unique to winter sports holidays. The tailored protection will ensure that if anything goes wrong, you’ll receive proper compensation and help to get your holiday back on track.
Accidents and injuries when under the influence of drugs or alcohol
Lost equipment due to negligence
Travelling against government advice
Inappropriate use or lack of proper equipment
Competitive/ professional winter sports
Your EHIC and its replacement, GHIC, will provide you with a limited amount of health insurance cover to use in EU member countries if you require emergency medical treatments. However, this is not a substitute for travel insurance and winter sports cover.
The EHIC and GHIC schemes won’t cover the cost of repatriation if you need emergency transport back to the UK. They also do not offer any sort of compensation for lost or stolen passports, belongings, or supplier failures that may leave you without accommodation or transport. For these reasons, it’s worth it to consider travel insurance for your winter sports getaway.
Having a pre-existing health condition can make getting travel insurance and winter sports cover a bit more complicated. Most providers will increase the cost of your cover if you have a pre-existing condition, and others will probably consider you to be too high a risk to insure at all.
However, there are still options out there. There are travel insurance providers that will cover pre-existing conditions and even cover your winter sports. They may cost more than a standard policy and have different cover limits, but the valuable cover for your equipment and medical care abroad can be very worth it.
Some insurers have restrictions on certain countries and will not cover you if you travel against the advice of the FCDO. Always check policy documents for any exclusions before taking out travel insurance.
It’s a good idea to buy winter sports travel insurance as soon as you’ve finalised and booked your holiday. This is because if you need to cancel anytime between then and when you leave, you might not be able to claim your money back otherwise. A good travel insurance policy should cover early cancellation for the following reasons:
Injury or illness
Its important that you tailor your travel insurance policy to suit what you have planned for your getaway. Some activities can be especially dangerous, and sports equipment can be expensive to replace if stolen or damaged. That is why it’s worthwhile to consider adding this specialised cover to your policy. With it, you can get protection that’s unique to your needs and covers high-risk activities that a standard policy won’t"
Yes! You can get winter sports cover with a joint or family travel insurance policy. All you need do is add the optional cover to your policy to cover multiple people under one policy. It will cover your medical costs, your equipment, and travel disruptions while you travel together, and a joint policy can sometimes work out cheaper than buying several individual travel insurance policies.
Yes! You can add winter sports cover to annual multi-trip travel insurance policies. This can be a really valuable addon if you regular take skiing holidays or regularly take part in winter sports when you travel.
You will need to add winter sports cover to your travel insurance policy if you want cover for ice skating. Most travel insurance policies are unlikely to cover adventure sports or sports with a high-risk of injury. So, if you plan to go out on the ice, consider whether winter sports cover is worth adding.
You don’t need to take out winter sports cover for travel insurance to cover a trip to Lapland. European travel insurance will give you standard cover for a holiday to Lapland and will cover all the basics.
However, if you plan to take part in any winter sports, such as sledding or ice skating, then you will need winter sports cover added to your policy to cover you when taking part in any of these activities.
Winter sports cover will cover the cost of mountain rescue as well as the cost of repatriation if you need urgent transport back to the UK. These are included as part of your medical cover, so it’s worthwhile to take the cost of these into consideration when choosing your cover.
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