If you are going on a winter sports holiday you must make sure you have the right travel insurance in place before you leave.

Taking part in sports like skiing and snowboarding increases your risk of injury and most insurers do not offer winter sports cover as standard.

The insurers in the comparison above all offer winter sports cover as an optional extra you can add to your policy.

Which winter sports are covered?

Adding winter sports to your policy will cover:

  • Skiing (including cross country)

  • Snowboarding

  • Ice skating

  • Sledging

  • Snowmobiling

Activities such as ice hockey, ski jumping or bobsleighing are usually not covered.

Before you buy your cover check the policy to make sure your activities are included.

What are you protected against?

Winter sports insurance will also cover:

  • Your equipment against accidental loss, theft and damage and includes equipment you hire. Look out for the cover limit; our comparison shows what each insurer offers for personal and hired equipment.

  • Piste closure and your transport costs to another site if you are unable to ski at your resort. If no other alternatives are available you can receive compensation for each day you cannot ski.

  • Your ski pack which will pay out if you are unable to use things like your ski or lift pass, paid for ski lessons and hired equipment due to injury or illness.

Finding the right winter sports cover

Use our comparison to find as many policies as possible for travel insurance with winter sports cover. You should then:

  1. Find which travel insurers cover for the activities you want*

  2. Compare these policies to find the best deal

You can also look at our travel insurance company reviews page to see which insurers have been recommended by other customers.

Make sure the rest of the policy is right for you; here is what travel insurance covers.

*By checking the policy documents

Winter sports travel insurance FAQs


Will I be covered for winter sports?


Most do not include it as standard, so you will need to add winter sports cover separately.


Is off piste skiing covered?


Most packages cover off piste skiing, but you have to make sure you do not ski against local authority advice and you may need to have a guide with you.


Is there an age limit for winter sports cover?


Yes, our comparison shows the maximum age each insurer sets. Cover for older travellers can be more expensive, find out more here.


Is my equipment covered?


Most policies cover things like skis and poles you own, and anything you hire. Our comparison shows the cover limits each insurer offers for equipment.


Can I get cover to last the whole ski season?


Yes, if you include winter sports cover as part of an annual policy you will be covered all year as long as you do not exceed the maximum trip length.


How can I get cheaper winter sport travel insurance?


Shop around for policies using the comparison above, but make sure you get the right cover too. Try these 8 ways to cut your travel cover costs.