Winter-sports travel insurance


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Frequently asked questions

  • What does winter sports insurance cover?
  • What’s not covered by winter sports insurance?
  • What else do I need to consider before buying winter sports insurance?
  • How many are going?
  • Pre-existing conditions?
  • Compare winter sports insurance

What does winter sports insurance cover?

Winter sports insurance offers a higher level and more comprehensive cover than standard travel insurance. As well as medical costs, lost, damaged or stolen luggage, and cancellations and delays, it can also offer further benefits such as:

  • loss of ski pass
  • loss, theft or damage to equipment
  • avalanche delay
  • piste closure for more than 24 hours
  • alternative equipment hire if your luggage is delayed or misplaced on the outward journey
  • personal liability should you injure someone else

You should check your policy for a list of all activities covered, as terms and conditions can vary significantly between insurance providers. A good winter sports policy can typically cover winter sports such as:

  • skiing (on-piste)
  • snowboarding (on-piste)
  • tobogganing
  • ice-skating
  • snowmobiling
  • dog-sledding
  • sleighing
  • ice hockey  

All winter sports can be considered fairly high risk, as anything to do with snow, ice and altitude increases the chances of injury. 

Even something as low key as a reindeer sleigh ride on a trip to Lapland may be not be covered by a standard travel insurance policy. A winter sports policy can give you the peace of mind that you can enjoy a whole range of winter activities with the right level of protection.

What’s not covered by winter sports insurance?

 If you’re into more extreme winter sports, you may find that you’ll need to pay for extra cover or find a specialist insurance provider to give you the right level of protection.  

Extreme winter sports typically include:

  • off-piste skiing and snowboarding
  • glacier climbing
  • snow kiting
  • heli skiing
  • competitive skiing and snowboarding

Some insurance providers will require you to wear a helmet, otherwise your policy will be invalid. 

And nearly all insurance providers will refuse to pay out if an accident happens while you’re under the influence of alcohol or drugs. 

What else do I need to consider before buying winter sports insurance?

These are a few other things that you need to think about before arranging your winter travel insurance:

Where are you going?

If you’re travelling to a winter resort in Europe, including Lapland, ensure you have a valid EHIC card as well as winter sports insurance. UK residents can still use their EHIC cards up until the Brexit deadline on 29 March 2019.

The free EHIC card will cover emergency medical treatment in a public hospital but it won’t cover the following costs:

  • mountain rescues
  • private treatment
  • repatriation if you need to be flown home

The Foreign and Commonwealth Office recommends having adequate travel insurance in addition to your EHIC card to cover these costs.  

It’s a very good idea to have comprehensive travel insurance when travelling to regions such as the USA and Canada, as medical costs are extremely high in these areas.  

Just one night in a USA hospital for a broken wrist could cost as much as £38,000. That’s a massive expense that could be covered with the right winter sports insurance in place. 

How many are going?

If you’re travelling as a family couple or group you may find a policy that covers all of you better value for money than individual travel insurance for each person.   

And if you’re planning more than one winter trip in the course of a year, you might save money by getting annual travel insurance instead of a single trip policy. 

Pre-existing conditions?

Ensure you let your insurance provider know if you have any pre-existing medical conditions or injuries. If you’re injured because of a health condition that you didn’t disclose, your policy may be invalid should you need to make a claim.

Compare winter sports insurance

We can help you compare winter sports insurance quickly and easily, so you can find the right level of protection to suit you.  

Fill in all the necessary details and we’ll send you a comprehensive list of quotes to choose from. Remember to read each policy carefully to ensure you get the level of cover you require for your winter trip.  

Save money and stay protected by comparing winter sports travel insurance with us today. 

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