Ski travel insurance

Compare cheap ski insurance quotes

Get a ski insurance quote from only £14.09*

  • Provides cover for skiing, snowboarding and winter sports

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

  • Family, multi-trip and long stay policies available

*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

Will a standard travel insurance policy cover me for skiing?

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:

  • Click get a quote
  • Fill in your details
  • Select ‘winter sports cover’
  • Select compare quotes

We’ll do the rest to find you a great deal for your skiing holiday.

What does ski insurance cover?

Ski travel insurance covers you for everything standard travel insurance does, but adds in a few useful extras.

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Standard travel insurance covers:

  • Emergency medical care you need while on holiday
  • Lost or damaged luggage 
  • Repatriation if you fall ill and need to be flown home
  • Cancellation of your flight, accomodation or both
  • Issues arising due to Covid-19
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Ski insurance adds in cover for:

  • Injuries sustained while skiing or snowboarding
  • Lost, 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
  • Mountain rescue costs if need saving
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Exactly what’s covered differs from insurer to insurer, so always check your policy documents before you fly out.

What our travel insurance expert says

"To compare ski insurance prices, make sure you select ‘winter sports cover’ when you’re getting a quote. Normal travel policies won’t cover you for skiing, so you’ll need to make sure you have this selected. Once you’ve done that, we’ll help you compare prices to find the policy that works for you and your budget."
Matthew Harwood, Home & lifestyle insurance expert at
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How much is ski insurance?

Ski insurance starts from*:


*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

Can I get cover for more dangerous winter sports?

Yes, some policies will also cover you for:

Off-piste skiing: This is where you go outside 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 documents before you set out, otherwise any claims you need to make might not be covered.

Adventure travel insurance: For other types of snowsports like heli-skiing, tobogganing and snowmobiling you might need adventure travel insurance. Not all insurers offer it, but many higher-level policies include it as standard. If you need it, check the policy documents of the travel insurance provider you choose to see if it's covered. If not, contact your insurer directly once you’ve gotten a quote to see if you can add it on to your cover.

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What other types of ski insurance can I get?

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Multi-trip travel insurance

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.

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Family travel insurance

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.

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Why choose

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Since then, we’ve helped tens of millions of customers find a great deal on their insurance.

But if that isn’t enough reason to use us, here’re a few more:

We’re 100% impartial, unlike some of our competitors. We aren’t owned by an insurance company, and the price we show you are the best ones we can find for you.

We’re FCA regulated, which means we’re bound by a strict code of conduct. This makes doubly sure we always put you and your needs first. Want to know more about the FCA? You can read more about them here.

We work with a team of experts who review everything we put on the page. Where others might just guess, we know. So you can rest assured everything we write is right.

Still not convinced? Find us on and see what the 93% of customers who'd recommend us have to say about us.

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Need more help?

Is there anything that isn't covered by ski insurance?

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.

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

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:

  • Iceland
  • Liechtenstein
  • Norway
  • Switzerland

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.

Can I get cover if I have pre-existing conditions?

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

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