Ski travel insurance

Compare cheap ski insurance quotes for your trip

Get a ski travel insurance quote from only £6.00*

  • Provides cover for skiing, snowboarding and winter sports

  • Cover includes piste closure, equipment theft, and medical treatment

  • Get a quote in only 2 minutes

*The cheapest policy including winter sports cover is £6.00 (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 20/07/2021.

Covid-19 - Important information 4th October 2021

On 4th October, the travel traffic light system has been replaced by a simplified set of rules for international travel. These rules tell you what you must do when returning to England, Scotland, Wales, and Northern Ireland from a red list country.

Before buying travel insurance, you should think about what could happen if your destination moves to the red list. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.

It's important to check both your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there.

If you travel against the FCDO advice, you won't be covered by any travel insurance policy you buy.

A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.

What is ski travel insurance?

Ski insurance is a specific winter sports policy designed to give you cover for when you’re on the slopes. It includes all the extras you’ll need for a skiing holiday - equipment cover, ski pass cover, emergency medical treatment and repatriation back to UK if you have an accident.

If you’re planning to ski in Europe, having a ski insurance policy in place ready for when you take on the French alps or Austria’s slopes has never been more important. As the UK left the EU on 31st December 2020, your European Health Insurance Card (EHIC) will only be valid until it expires. If your EHIC has expired, the Global Health Insurance Card (GHIC) is designed to replace it, and it works in the same way as the EHIC used to. It’s not a replacement for travel insurance, but it will entitle you to state-level medical care in most European countries.

Having additional cover in place means if you were to get injured and your EHIC has already expired, your medical costs should be covered. It also means you’re covered for extras like losing your ski pass, damage, theft or loss of your own or any equipment you’re hiring.

How much does ski travel insurance cost?

The price of your policy depends on a few things:

  • How long and how often you go skiing. Planning to ski 2 or 3 times a year? Then the cost of your policy is likely to go up. It may be cheaper to look at an annual travel insurance policy.

  • Your age is used by insurers as a rating factor when considering prices. This is because the older you are, the higher the risk is of you having an accident and needing to claim medical costs.

  • Where you’re going skiing. Ski travel insurance for destinations such as Canada and the USA will generally cost more. This is down to medical costs and the cost of repatriation being considerably higher in these countries.

Here are a few average policy prices for popular skiing destinations around the world:

Destination Average price for a 1 week policy1

1. travel insurance data December 2019 – February 2020

What does ski travel insurance cover?

A ski insurance policy covers you for everything that a regular travel insurance policy does, but it also has extra cover specifically to cover you while on the slopes.

This includes:

  • Medical treatment
  • Ski pass cover
  • Hospital transportation and repatriation
  • Cancellations
  • Baggage and personal possessions
  • Piste closures cover
  • Off-piste cover
  • Loss, theft or damage of your own or hire equipment
  • Adventurous skiing

Medical treatment if you’re injured while skiing or snowboarding on the slopes

Ski pass cover should you lose it

Hospital transportation and repatriation if you injure yourself or become seriously ill while skiing and need to be transported to a local hospital, or brought home to the UK

Cancellations if you’re 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

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 to be sure

Off-piste cover that may require you to be accompanied by a qualified guide. It’s best to check your policy details if you want this cover

Loss, theft or damage of your winter sports equipment, including hire equipment

Adventurous skiing can be covered but it depends on your insurer. You’ll need to check your policy details to be clear on what type of skiing is covered.

How do I get a ski travel insurance quote?

Getting a quote is easy and should only take you a couple of minutes. Just follow these simple steps:

  • Fill in some personal details and select what type of policy you want - single-trip, annual or business
  • Let us know where you’re travelling and how long you’ll be away
  • Choose what extras you’d like to add to your policy. This is where you can choose the winter sports extra that’ll cover you specifically for skiing.
  • Declare any pre-existing medical conditions you have, to make sure you’re covered for them while on the slopes. If you don’t declare a condition, you won’t be covered.

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What isn’t covered by a ski travel insurance policy?

If you need to claim, there are a few scenarios where your insurer wouldn’t pay out as they’re not covered in ski policies:

Drink and drug related incidents. If you injure yourself or lose your possessions while under the influence of drugs or alcohol, your insurer may refuse your claim.

Not wearing the right gear. Your insurer may not accept your claim if you get injured on the slopes while not wearing a helmet or goggles.

Leaving your things unattended. If your possessions are lost, damaged or stolen after you’ve left them unattended in a public space, your claim is likely to be rejected.

Travelling against FCDO advice. By choosing to ignore FCDO advice, you won’t be covered by any travel insurance policy that you’ve got.

Can I get a ski insurance quote if I have a serious, pre-existing medical condition?

If you have a pre-existing medical condition, you can still get a travel insurance quote through our site. Serious conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price.

If you’re unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can find their directory of insurers on the MaPS website or you can telephone 0800 138 7777 for free impartial advice.

Travel tips and advice for winter sports holidays

Make sure you read the policy terms and conditions before buying. In particular, check any policy excess and exclusions so you know what you’re covered for.

If you or anyone in your travel party have a pre-existing medical condition, like asthma or diabetes, make sure you fill in the right information when making a quote. Or you can contact your insurer if you have any questions about the policy.

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 to report it.

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. As a result, you might have a very hefty medical bill if you’re injured. GOV.UK cover this in their article 'preparing for winter sports abroad'.

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Does standard travel insurance cover skiing?

A regular travel insurance policy won’t cover you for skiing or other winter sports. This is because you may need special medical treatment or even repatriation back to the UK if you get injured. To make sure you’re covered, you should add the winter sports extra when you’re getting a quote.

Can I get cover for skiing off-piste?

Yes, some insurers will offer cover for off-piste skiing, but not all insurers do. Those that do, may require you to have a guide with you at all times when off-piste. If it’s something you’re planning on doing, you should check the details of the policy before you buy to make sure you have the right cover in place for your ski trip.

What’s the difference between piste and off-piste?

On piste is a regular marked route or slope, whereas off-piste refers to unsupervised areas which are not marked as an official route in a ski resort - the snow is usually deeper and hasn’t been groomed.

Do I need a single trip or annual travel insurance policy?

It depends how many different holidays you’re planning over the next 12 months. If you’re just going on one skiing trip, then a single-trip policy with winter sports cover will be enough. However, if you’re planning on multiple ski trips and a summer holiday, then an annual travel insurance policy will be better suited and possibly more cost effective.

If you’re travelling with your family and are looking for cover as a group, a family travel insurance policy may be something to consider.

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What our travel insurance expert says

An injury could reduce your time on the slopes, but without insurance, the medical costs could put a fair dent in your bank balance. Make sure you’ve got the right cover in place before you go skiing to avoid any pricey medical bills.
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Jac Morris

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