Compare travel insurance policies that cover you when you take part in winter sports.
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Let us know what you need so that we can find our best winter sports travel cover policies for your trip. Declare any medical conditions and also please ensure to add the appropriate extras such as extreme or winter sports cover.
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It’s a special kind of insurance that recognises the increased risk of injury people face while participating in winter sports and activities, such as skiing and snowboarding.
Standard travel insurance won’t cover you for winter activities – not even a sleigh ride in Lapland! – but ski insurance includes extras to protect you from the risks linked to winter sports while also providing cover for all the same things as regular travel insurance.
If you choose a winter sports insurance policy, it’s likely to cover you when:
skiing (including cross country)
sledging or tobogganing
dog sledding (including husky rides)
Check the policy carefully against your plans and talk to your insurer if anything is missing. Activities such as ice hockey, ski jumping or bobsleighing aren’t usually include
Ski travel insurance tends to cover you for the activities listed above. You may also get cover for:
Unlike regular travel insurance, winter sports travel insurance will cover you if you’re injured or taken ill while participating in activities, such as skiing and snowboarding.
This protects against accidental loss, theft and damage, of your winter gear. Ensure you take out a policy which covers the value of everything you take or hire.
This pays for your transport costs to another site if you’re unable to ski at your resort. If no alternatives are available, you’ll be compensated for each day you can’t ski.
Your ski pack
This cover compensates you if you can’t use things you’ve paid for because of illness or injury, such as your ski or lift pass, ski lessons and hired equipment.
If your luggage gets lost during your outbound journey, your insurer will pay for you to get alternative gear.
Personal liability cover pays out if you inadvertently injure someone during your trip who then sues you.
This cover will return you to the UK at the insurer’s expense if you become ill or injured and unable to travel in the usual way.
This will cover you if your activities are delayed by an avalanche. Typically this is paid on a daily basis with a maximum limit.
Some insurers will still offer you insurance if you have a pre-existing medical condition. You’re likely to have to pay more if you want to have these conditions covered.
Others will still offer insurance, but they won’t cover your pre-existing conditions.
It’s certainly worth considering. The EHIC (and its successor, the UK Global Health Insurance Card, or UK GHIC) is excellent, but we’d recommend combining that with the best ski insurance for your needs.
With the UK GHIC or UK EHIC, you can access essential state-provided healthcare in the same way as a local resident would. This might mean it’s free or available at a reduced price.
However, even with this, the costs of medical treatment can still be extremely high. Plus, there are things the UK GHIC won’t cover you for, such as private hospital treatment, repatriation and mountain rescues. Insurance provides important extra protection so you can be sure you won’t have to pay more than your excess even if the worst happens.
Remember that a UK GHIC also doesn’t cover you for any of the other things that you get with the best ski insurance policies. For example, you’re not covered for lost luggage cover or piste closure.
As with all insurance, get quotes from multiple providers to determine the most affordable policy that meets your needs. Consider the following:
Do they cover all sports?
Make sure all your chosen sports are included. If not, ask your insurer to add them individually.
Try an extreme sports package
Alternatively, you could look at adding an adventure sports package to the policy when you get a quote.
Verify the policy’s limits
Before taking out a policy, make sure medical expenses, cancellation and lost baggage are covered and that the limits and exclusions meet your needs.
Compare providers and prices
When comparing quotes make sure your chosen policy covers everything you need at the best possible price.
You can still get a quote through money.co.uk if you have a pre-existing condition, including cancer or severe heart or respiratory complaints. People who have had strokes or are terminally ill can also get a quote.
Some insurers might not cover you if you already have a severe medical disorder or a number of conditions, and others may only offer insurance at a much higher price. If you’re unable to find suitable cover, talk to the Money and Pension Service (MaPS). It has a directory of insurers willing to cover customers with pre-existing medical conditions.
Most packages include off-piste ski insurance, but make sure you don’t ski against local authority advice. You may also need a guide to accompany you to avoid invalidating your policy.
Most policies cover things like skis and poles you own and anything you hire. Check the cover limits offered by each insurer for equipment to ensure you’re not left short.
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Last updated: 14 April, 2022