As skiing can be dangerous, normal travel insurance won’t cover you for it.
If you’re planning a skiing holiday, you’ll need special travel insurance known as ‘winter sports cover’. This’ll cover you for snowboarding too.
To compare winter sports cover with us, all you need to do is:
We’ll do the rest to find you a great deal for your skiing holiday.
Ski travel insurance covers you for everything standard travel insurance does, but adds in a few useful extras.
Exactly what’s covered differs from insurer to insurer, so always check your policy documents before you fly out.
Ski insurance starts from*:
£14.09
*Cheapest policy available for a 30 year old with no medical conditions travelling to Europe for 7 nights with winter sports cover included. Prices correct as of 15/08/2023
According to our data, ski insurance can cost as little as £14.09*.
There are a few things that go into what you pay for your cover, like your age, where you’re skiing and your health status.
While these are out of your control, there are a few things you can change to get a better quote:
Limit your add-ons: extras like gadget cover can drive up the price of your policy. Keeping the extras to a minimum may help you save.
Change your excess: the amount you agree to pay towards the cost of a claim can influence what you pay for your policy. Change your excess amount to see if this affects the quotes you're given.
Pick the right policy: Going on several skiing trips this year? An annual multi trip policy could work out cheaper than taking out several single trip travel insurance ones.
*Cheapest policy available for a 30 year old with no medical conditions travelling to Europe for 7 nights with winter sports cover included. Prices correct as of 15/08/2023
Multi-trip policies cover you for unlimited travel over a period of time. These can be handy if you’re an avid skier and are planning several trips over a few months, or even a year, and don't want to arrange a new policy every time you fly out. They’re available as family or couples policies too, allowing you to cover everyone all at once.
Select 'annual multi-trip' when you get a quote to compare multi-trip policies.
Family travel insurance allows you to cover up to 2 adults and 8 children on a single policy. If you're all off skiing together, covering everyone under a single policy could work out cheaper than taking out individual cover for everyone. It helps cut down on admin too, giving you just one policy to compre quotes for, manage and claim on.
Select 'family' when asked how many people you want to cover while you're getting a quote to compare family policies.
Like all types of insurance, winter sports policies come with a few exclusions. These can differ from provider, but typical exclusions you’ll find include:
High risk types of skiing: like freestyle skiing, competitive skiing and ski touring.
Mountain rescue for non-emergencies: like if you purposely veer off course and become stranded.
Travelling outside of FCO advice: if a country is declared unsafe, for example.
Accidents while intoxicated: whether through drink or drugs. It’s worth noting that alcohol can affect you more at altitude, so always ski sober.
For the full list of exclusions on your policy, check your insurance documents before you hit the slopes.
Yes, if you’re injured skiing, your Ghic will cover you. But there are some drawbacks.
A Global Health Insurance Card (Ghic) entitles you to medical care at the same cost as a resident of the country you’re receiving care in. As long as that country is part of the scheme.
As many European countries who take part in the scheme charge for care, relying on your Ghic instead of travel insurance could leave you with large medical bills to pay if you need extensive care.
Some European countries aren’t covered by the Ghic either.
These include:
Also, no countries outside the EU, with the exception of Switzerland, currently accept the Ghic.
If you were to receive treatment in any of these countries, you’d be fully liable for the costs of that treatment unless you had travel insurance in place.
Yes, even if you have a pre-existing condition, you’ll still be able to get winter sports cover.
Just be aware that depending on your condition, you may have to pay more for your cover.
You may also find fewer insurers are willing to cover you.
The Money and Pension Service (MaPS) can help here. They have a directory of insurers willing to cover customers with pre-existing medical conditions.
Or, learn more about pre-existing conditions travel insurance.
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.
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