Ski travel insurance

Compare ski insurance quotes from up to 43 providers1

Get a ski insurance quote from only £15.43*

  • Protect yourself on and off the slopes

  • Cover includes piste closures, equipment theft and medical treatment

  • Family, multi-trip and long stay policies available

*Cheapest policy with winter sports cover, based on a 30-year-old travelling for 1 week in Europe with no pre-existing medical conditions. Based on data, April 2024.

1Correct as of March 2024

Do I need ski travel insurance?

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.

How do I compare ski insurance quotes?

To compare travel insurance for skiing with us, all you need to do is:

  • Click 'Get a quote'
  • Fill in your details
  • Select 'Winter sports cover' when we ask about any additional cover you want
  • Compare quotes and policy details and select the one that best suits your needs

What does ski insurance cover?

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.


Ski insurance normally covers:

  • Injuries sustained while skiing or snowboarding
  • Loss, theft or damage of ski gear, including ski passes
  • Piste closure due to lack of snow or avalanche
  • Personal liability costs if you injure someone or damage their property
  • Mountain rescue costs in the event of an emergency

It normally excludes:

  • High-risk types of skiing, like freestyle skiing, off-piste skiing, competitive skiing and ski touring
  • Mountain rescue for non-emergencies
  • Travelling outside of Foreign, Commonwealth and Development Office (FCDO) advice
  • Accidents that occur while you're under the influence of drugs or alcohol
  • Undeclared pre-existing medical conditions
  • Known events that occurred before you bought your travel insurance

Why is ski travel insurance important?

"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."

Alvaro Iturmendi - travel insurance expert
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How much is ski insurance?

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.

What impacts the price of ski travel insurance?

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 age: Typically, the older you are, the more expensive travel insurance is. This is because your risk of injury or illness is higher.
  • Pre-existing medical conditions: If you have a pre-existing medical condition, you might be at higher risk of needing emergency care during your trip.
  • Where you're travelling: Travel insurance for the USA or Canada, where the cost of medical care is high, is normally more expensive than if you're heading to the Alps.
  • How much cover you need: If you've got expensive skiing gear, you may need a higher level of cover. It's important to check cover levels before you buy insurance.
  • The type of policy you buy: It could be cheaper to buy annual travel insurance compared to multiple single-trip policies. It might also be cheaper to get group travel insurance or joint policy if you're travelling with other people.
  • The type of skiing you're planning to do: If you're planning to go off-piste, you might need additional cover.

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How can I get cheaper ski travel insurance?

It's important to be honest when getting travel insurance quotes. If you fail to declare something on your insurance, your policy might be invalidated and any claims you make rejected. Having the right level of cover is also more important than finding the cheapest policy. But, there are a few things you can do to try and get a cheaper quote:

  • Limit your policy add-ons: Including extras like gadget cover can drive up the price of your insurance. Only include extras you think you actually need.
  • Adjust your policy excess: This is how much you pay towards any claims you make. Generally, the higher you set your excess, the less your insurance costs. But, it's important to set it at a level you could afford to pay if needed.
  • Choose an annual policy: If you're travelling multiple times in a year, an annual policy might be cheaper than taking out several single-trip insurance policies.
  • Take out joint travel insurance: If you're travelling with others, it might be cheaper to buy a joint policy rather than multiple individual ones.

We compare 43 trusted travel insurance companies1 to find you our best deals

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Why compare ski insurance quotes with

We're 100% impartial

  • We aren't owned by an insurance company. This means the prices we show you are the best ones we can find for you based on the information you provide, not who they're from.

We work with 431 travel insurers

  • We work closely with our panel of insurers to make sure we're getting you the best deals. Working with this many insurers means we can compare your details against multiple to show you policies that suit your needs. So, if you have any additional cover requirements or don't want to spend hours finding insurance, we can help.

We work with a team of experts

  • Our expert panel reviews all of our content, so you can rest assured everything on the page is accurate when written.

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  • The insurers we work with are also regulated by the Financial Conduct Authority (FCA). This means we follow a strict code of conduct to make sure you're treated fairly.

Our customers say: 4.5 stars travel insurance scores a 4.6 out of 5 rating
based on 560 reviews as of 17/05/2024

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Need more help?

Will my GHIC cover me for skiing?

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:

  • Iceland
  • Liechtenstein
  • Norway

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.

Can I get ski holiday insurance if I have a pre-existing medical condition?

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.

When should I buy ski travel insurance?

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.

Can I get cover for more dangerous winter sports?

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:

Off-piste skiing

  • This is where you go outside of the designated routes marked out by the ski resort. Some policies will only cover you if you have a qualified guide with you, so always check your policy documents before you set out. If you don't, any claims you make might not be covered by your insurance.


  • This includes cover for operating a snowmobile. These can be powerful and you may lack experience. So, standard travel insurance normally considers snowmobiling too high-risk. Specialist policies may include cover, but it's best to check your policy details as this cover might only include cover for personal injuries.


  • This is where you're flown to the peak of a mountain, higher than you'd normally go as a skier, and then ski back down the mountain. These routes are generally considered more risky by insurers. If you're planning to go heli-skiing, adventure sports insurance might cover you, but standard ski insurance is unlikely to.


  • Like other winter sports, tobogganing is associated with risks, like increased chances of injury. If you're planning to go tobogganing during your skiing trip, make sure you're covered when you buy your insurance. Otherwise, you won't have sufficient cover, and any claims you make may be invalid.
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Page last reviewed: 09 May 2024

Reviewed by: Alvaro Iturmendi’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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