Ski travel insurance

Compare ski insurance for winter sports

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

  • Compare some policies with covid cover

*The cheapest policy including winter sports cover is £6.53 (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 02/03/2022.

Can I get travel insurance that covers COVID-19?

Yes, you can still compare and purchase travel insurance with COVID-19 cover from All of our providers offer emergency medical treatment and repatriation (returning to the UK) for COVID-19 claims.

A number of our providers offer further COVID-19 related cover such as holiday cancellations and accommodation costs and denied boarding. Be sure to check the details of your policy carefully as different providers will offer different policy enhancements.

It's important to note that if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO), you won't be covered by any travel insurance policy you buy.

Do I need ski travel insurance?

If you’re going skiing, you should take out ski insurance. Accidents on mountain ski slopes can be very expensive.

Standard travel insurance policies tend not to cover ski-related injuries or the loss, damage or theft of your ski equipment.

Winter sports travel insurance is a must if you’re going on a ski trip.

What does ski holiday insurance cover?

A ski insurance policy usually covers everything that a regular travel insurance does, but it also has extra cover designed to insure 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.

What isn't covered by ski travel insurance?

Some types of skiing might not be covered by your ski insurance. These include:

This includes:

  • Competitive skiing
  • Freestyle skiing
  • Heli-skiing
  • Ski stunting
  • Acrobatic skiing

If you’re going to be doing something a bit more daring than average on your skiing holiday, you might need to take out extreme sports travel cover rather than regular winter sports travel insurance.

Ski insurance claims may be refused by some insurers if you were under the influence of alcohol or drugs when an accident/incident occurred.

And leaving your ski equipment unattended may mean that claims under your ski holiday insurance for loss, damage or theft are refused.

Insurers may also specify that you must wear protective equipment like helmets or goggles while skiing.

If you’re unsure about what’s covered, you should check your ski travel insurance policy wording or contact the insurer before you buy.

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, if you‘re planning on skiing a few times a year it might be cheaper to take out an annual ski travel insurance policy rather than a separate policy for each trip.

  • Your age is used by insurers when considering ski insurance prices. On average the older you are, the higher the risk there is of you making a claim for medical costs.

  • Where you’re going skiing is also important. Ski travel insurance for places like Canada and the USA will generally cost more. This is because medical costs and the cost of returning home are considerably higher in these countries.

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

Destination Average price for a 1 week policy1

1. travel insurance data September 2021 – February 2022

What else do I need to know about winter sports holidays?

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

You must declare any pre-existing medical conditions for you or anyone that you’re travelling with. Pre-existing medical conditions, like asthma or diabetes, must be included when you complete our quote form to ensure you’re covered if the worst happens.

Research your ski destination prior to travelling, check weather reports and visit GOV.UK’s FCO website for local travel advice.

If you need to make a claim you should contact your insurer within 24 hours of an incident. For example if your skiing equipment gets damaged or if you’re hospitalised.

Drinking while 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 on 'preparing for winter sports abroad'.

How do I get a ski travel insurance quote?

Getting a ski travel insurance quote for your holiday is easy and should only take 2 minutes. 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 your winter sports holiday. If you don’t declare a condition, you won’t be covered.

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Need more help?

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 insurance you’ll need for a regular skiing holiday – equipment cover, ski pass cover, emergency medical treatment and return travel to the UK if you have an accident.

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 qualified 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.

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 could still get ski travel insurance. Simply select your condition(s) on our quote form.

Your insurance is likely to be more expensive as the pre-existing condition means you have a stronger chance of needing medical services while on holiday.

Some insurers may not offer you winter sports travel insurance if you have a serious medical condition, especially if you’re undergoing treatment/waiting for an operation.

You should always tell the truth about pre-existing medical conditions when you get a ski insurance quote, as otherwise you could find your cover isn’t valid.

Can I get cover for my skiing equipment?

Yes, your ski equipment should be covered for loss, damage or theft if you take out a ski insurance policy. However, insurers often stipulate that you should never leave your equipment unattended.

Do I need specialist ski insurance?

You may need more specialist ski insurance if you’re planning to do more daring/adventurous skiing. Regular ski travel insurance might allow you to go off-piste only when you’re accompanied by a qualified guide – you need to check the ski insurance policy wording before you buy.

If you’ll be going off-piste without a guide, or doing competitive or freestyle skiing, for example, you may need to take out a more specialist ski insurance policy.

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.

Will an EHIC or GHIC cover me for skiing in Europe?

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 much 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 at a reduced cost or sometimes for free.

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What our travel insurance expert says

An injury could reduce your time on the slopes, but without ski 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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