If you're hitting the slopes, ski insurance can cover you both on and off the piste, for things like mountain rescue and medical emergencies. It also covers your skiing equipment against loss, theft and accidental damage. Even if you're an experienced skier, the risk of collisions or falls is unfortunately high, so making sure you've got the right level of cover in place is important.
To compare travel insurance for skiing with us, all you need to do is:
You should be covered for anything a standard travel insurance policy covers, like emergency medical care, repatriation or flight cancellations. But, ski insurance should also offer you additional protection.
Exactly what's covered by travel insurance varies depending on the provider and policy you choose. It's important to check policy documents before you buy your insurance to make sure you're getting the level of cover you need.
"Skiing comes with a higher chance of accident or injury, even for experienced skiers. Having the right policy in place means you're covered in the event of medical emergencies. Ski insurance also covers your ski gear in case something happens to it. Having insurance that provides sufficient cover is a must if you're hitting the slopes. Make sure you check policy documents before you buy your insurance to make sure it offers the right level of cover for you."
The price of ski insurance depends on various factors. When you compare quotes with us, you could get ski insurance from £15.43*. But your age, where you're skiing, and your health can all impact this price.
The price of insurance is based on risk. The more of a risk you are to insurers, the more you normally pay. Comparing quotes and shopping around is the best way to make sure you're getting the cover you need.
Factors that can impact the price of your policy include:
Your Global Health Insurance Card (GHIC) can cover emergency medical care during your skiing holiday. If you still have a valid European Health Insurance Card (EHIC) this will cover you, too. But they aren't a replacement for travel insurance.
The EHIC and GHIC entitle you to medical care at the same cost as a resident of the country you're receiving care in. As many European countries charge for care, relying on your EHIC or GHIC could leave you with large medical bills to pay. Travel insurance can be used to cover some of these costs.
It's important to check that your destination is covered by the EHIC and GHIC before you travel, as some European countries aren't covered. These include:
If you're travelling outside of Europe, you're also unlikely to be covered by the GHIC. So, if you were to receive treatment in any of these countries, you'd be fully liable for the cost of your treatment. Travel insurance can help cover these bills.
Yes, if you have a pre-existing condition, you should be able to get winter sports travel insurance.
Just be aware that, depending on your condition, you may have to pay more for your cover. You might also find fewer insurers are willing to cover you.
If you can't find suitable cover, the Money and Pensions Service (MaPS) can help here. They have a directory of insurers willing to cover customers with pre-existing medical conditions.
The best time to buy travel insurance is as soon as you book your trip. This way, you're covered in the run-up to your holiday, as well as for the duration of it. Leaving it until the last minute means that you won't be covered if your trip is cancelled, or unforeseen circumstances prevent you from travelling.
Yes, but you might need a specialist adventure sports policy as not all insurers offer it. If you need it, contact your chosen insurer directly once you've got a quote to see if you can add it onto your cover. These policies might cover you for:
it will cover you for any holidays that you've got planned in Europe this year.
is the perfect policy for those who plan to travel for an extended period.
Page last reviewed: 09 May 2024
Reviewed by: Alvaro Iturmendi
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