Compare ski and winter sports cover with[1]

Travel insurance - Important Coronavirus update

As of 04:00 BST on 4 October, the current traffic light system will change for travel abroad.

The new system will be simplified to just a red list. However there’s still a risk that non-red countries could move to the red list on short-notice.

A PCR test is required on day two of your return from a non-red list country.

If a traveller has not had two vaccinations, a covid-19 test is still required ahead of travel as well as PCR tests on day two and eight of your return. Test to release is also available to reduce the self-isolation period.

Some insurers might not offer covid cover to unvaccinated travellers so check your policy details.

Make sure you check the FCDO advice before travelling and the entry requirements for your destination.

If you’re planning on hitting the slopes on your next holiday, a standard travel insurance policy probably won’t cover you.

You'll need to take out extra cover for winter sports with your policy - when you compare travel insurance with us, we’ll ask you if you need it.

Why standard travel insurance isn’t enough

A winter sports holiday is non-stop fun, but skiing or snowboarding isn’t without its risks. You’re much more likely to get injured during a winter sports trip than a holiday spent lounging by the pool, which is why you need extra protection from your travel insurance.

ski and winter sports travel insurance

"Nearly a third of winter sports holidaymakers are heading out to the slopes without the appropriate travel insurance in place, putting themselves at risk of costly medical bills if they have an accident while abroad"

Nikki White, ABTA director of destinations and sustainability

So, what exactly is ski insurance?

Ski insurance, or winter sports insurance, isn’t actually a type of travel insurance. It’s a policy feature that’s either already included or added on to your travel insurance.

Winter sports are considered to be high-risk activities by insurers, with more chance of you being seriously injured, so the medical aspect of your cover is usually more extensive than standard. It’ll include cover for things like air ambulances - important if you run into trouble in a hard to reach location.

It’ll also offer protection for situations unique to ski trips, like losing or damaging equipment, or piste closures. Because of that, expect travel insurance with winter sports cover to cost a bit more than a run-of-the-mill policy.

Activities and snow sports typically covered under winter sports insurance

  1. Skiing

  2. Snowboarding

  3. Tobogganing

  4. Ice-skating

  5. Snowmobiling

  6. Dog-sledding

  7. Sleighing

  8. Ice hockey

What’s covered?

Because you’re adding additional cover to a travel insurance policy, you’ll have cover for the standard things like lost and stolen possessions, medical expenses, trip cancellation and repatriation back to the UK. But you’ll also have cover for:

  • Equipment
    Things like your skis, snowboard and protective gear - if they're lost, stolen or damaged.
  • Piste closure
    That means you can claim back money if the slopes are closed for a certain amount of time - how long will be set out in your policy.
  • Avalanche delays
    If you can’t get onto the slopes because of an avalanche.
  • Personal liability
    Incase your actions injure someone, and they decide to take the case to court.
  • Ski passess
    To cover the cost to replace them if you lose yours.
  • Replacement equipment hire
    If you need to hire replacement equipment this’ll help cover the cost.

What’s covered, and how much cover you have, varies between policies. You can find out exactly what cover is available by looking at policy docs - if you’re unsure just give the insurer a call.

Typical exclusions

Winter travel insurance cover always has exclusions - watch out for these:

  • Accidents
    Where you weren’t using the right equipment or wearing protective gear like a helmet.
  • Alcohol and drug misuse
    Accidents where you were under the influence of alcohol or drugs.
  • Unattended property
    If your property gets lost or stolen because you left them unattended or somewhere insecure.
  • White-knuckle winter sports
    Like heli-skiing or glacier climbing.
  • Going off-piste
    Some insurers might cover you if you’re with an instructor.
  • Cover for seniors and OAPs
    There’s usually an upper age limit on policies, and sometimes it’s as young as 40.

Hitting the slopes in Europe? Sort out your GHIC

The Global Health Insurance Card (GHIC) replaced the European Health Insurance Card in 2021 and gives you the right to access state healthcare if you’re skiing in a country within the European Economic Area or Switzerland. You can apply for one here.

[1] introduces customers to which is authorised and regulated by the Financial Conduct Authority.'s relationship with is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[2]Average price purchased data recorded by for single-trip winter sports travel insurance without pre-existing medical conditions, between January 1 and December 31 2020.

GoCompare uses cookies. By using the website you agree with our use of cookies.