Ski travel insurance

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Coronavirus (Covid-19) - important information 3 July 2020

The Foreign and Commonwealth Office (FCO) has lifted its advice against non-essential international travel. This means you can travel to a number of countries from Saturday 4 July.

However, the FCO still advises against travelling to many countries. So check the FCO for the latest advice before you go. If you buy travel insurance and then travel to a country that the FCO advises against visiting, your travel insurance won’t cover you. You won’t be covered for any cancellations either.

The rules on self-isolation when entering or returning to the UK are different for England, Scotland and Wales. Check these differences before travelling to understand what you need to do.

Coronavirus is what they call a “known event”. So some insurers may exclude this type of event from the cover they offer you. If in doubt, check the policy wording or contact your chosen insurer before you buy.

However, all policies bought through include cover for emergency medical expenses and repatriation - even if you contract Covid-19 abroad. This is so long as you’re not travelling against FCO advice.

We compare trusted travel insurance companies to find you the best deals.

*The cheapest policy including winter sports cover is £4.69 (based on 1 adult aged 31, with no previous medical conditions selecting cover for winter sports and travelling in Europe for up to 3 nights). Prices correct on the 14/07/2020.

What is ski travel insurance?

  • A specialist winter sports policy that could cover the cost of getting injured on the slopes and compensate you should bad weather or other factors close the piste
  • The right level of cover is important if you need to be rescued, require medical treatment or repatriation home
  • As well as covering you, a ski travel policy can provide protection for your equipment and luggage

Did you know? 70% of winter sports travellers don't always wear a helmet when skiing or snowboarding and 38% admit that they don't take out travel insurance before they go! (GOV.UK, 2012).

What's the difference between piste and off-piste? On piste is a regular marked route or slope, whereas off-piste refers to the area which is not marked as an official route in a ski resort (the snow is usually deeper and hasn't been groomed).

A European Health Insurance Card (EHIC) could come in handy if you're skiing or travelling in the EU, as it could provide you with emergency healthcare. However, it will not pay for transportation, repatriation back to the UK and it does not cover long-term treatment.

What could ski travel insurance cover?

  • Piste closures cover means that you may be compensated if the slope is closed due to lack of snow or bad weather conditions (some insurers offer it but check the small print before buying)
  • Some policies offer off-piste cover that may require you to be accompanied by a qualified guide (check if your policy covers this)
  • Loss, theft or damage of your winter sports equipment

You could also be covered with the standard policy benefits: 

  • Medical treatment if you're injured while skiing or snowboarding on the slopes
  • Hospital transportation and repatriation if you're injured or seriously ill while on holiday
  • Cancellations if you are forced to cut your holiday short or cancel due to extreme weather conditions
  • Baggage and personal possessions such as your documents, money and electronic gadgets could be covered against loss, theft or damage
Ready to get a quote? Click the 'Get a quote' button below to start comparing up to 54 providers.

Travel tips and advice

  • Make sure you read policy terms and conditions before purchasing. In particular, check any policy excess and exclusions so you know what you're covered for.
  • If you or your travel party have a pre-existing medical condition like asthma or diabetes, make sure you fill in the appropriate information when making a quote or contact your insurer if you have any questions regarding the policy.
  • Make sure you research your ski destination prior to travelling; check weather reports and visit GOV.UK's FCO website for local travel advice.
  • If your skiing equipment gets damaged or if you're hospitalised, make sure you or someone on your behalf contacts your insurer within 24 hours.
  • Sampling the local vino whilst on the slopes is not recommended as drink and drug related incidents could affect the validity of your insurance claim and as a result you might have to pay thousands in medical expenses if you're injured. GOV.UK cover this in their article 'don't let your ski trip go downhill'.

Why use to compare ski insurance?

The sooner you get your ski trip covered, the quicker you can pack your bags and get excited about your trip. Compare our best winter sports insurance policies in minutes!’s Travel Insurance solution is provided by is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. is part of the Legal & General group.
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