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Winter-sports travel insurance

Compare and find a great deal on winter sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on winter sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on winter sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on winter sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Update your previous quote
Update your previous quote

Compare and find a great deal on winter sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

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Winter sports travel insurance

Whether you’re planning a skiing holiday or a trip to Lapland, it’s important to have the right travel insurance to cover you.  

Many resorts offer a range of activities such as tobogganing, husky rides and ice-skating, as well as skiing and snowboarding. To ensure you’re covered for all activities, consider a more comprehensive winter sports insurance policy.


On 02 October 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pension Service (MaPs) has also launched a directory of insurance providers, who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers Association on 0370 950 1790.

What is winter sports insurance?

Winter sports insurance is an add-on to standard travel insurance that offers more comprehensive cover. As well as lost, damaged or stolen luggage, medical costs cancellations and delays, it can also offer cover for: 

  • loss of ski pass 
  • loss, theft or damage to equipment 
  • avalanche delay 
  • piste closure for more than 24 hours 
  • alternative equipment hire if your luggage is delayed or misplaced on the outward journey 
  • personal liability should you injure someone else 

You should check your policy for a list of all activities covered, as terms and conditions can vary significantly among insurance providers. 

A good winter sports policy can typically cover winter sports such as: 

  • skiing (on-piste) 
  • snowboarding (on-piste) 
  • tobogganing 
  • ice-skating 
  • snowmobiling 
  • dog-sledding 
  • sleighing 
  • ice hockey 

All winter sports can be considered fairly high risk because snow, ice and altitude increase the chances of injury.   
Even something as low key as a reindeer sleigh ride on a trip to Lapland may be not be covered by a standard travel insurance policy. A winter sports policy can give you the peace of mind to enjoy a whole range of winter activities, knowing you have the right level of protection in place. 

Frequently asked questions

What’s not covered by winter sports insurance?

 If you’re into more extreme winter sports, you may find that you’ll need to pay for extra cover or find a specialist insurance provider to give you the right level of protection.  

Extreme winter sports typically include:

  • off-piste skiing and snowboarding
  • glacier climbing
  • snow kiting
  • heli skiing
  • competitive skiing and snowboarding

Some insurance providers will require you to wear a helmet, otherwise your policy will be invalid. 

And nearly all insurance providers will refuse to pay out if an accident happens while you’re under the influence of alcohol or drugs. 

Will an EHIC cover me for winter sports?

If you’re travelling to a winter resort in Europe, including Lapland, ensure you have a valid EHIC card as well as winter sports insurance. 
Although the UK has now left the EU, you can continue to use your EHIC card until 31 December 2020 when the transition period is due to end. 
The free EHIC card will cover emergency medical treatment in a public hospital, but it won’t cover the following costs: 

  • mountain rescues 
  • private treatment 
  • repatriation if you need to be flown home 

The Foreign and Commonwealth Office recommends having adequate travel insurance in addition to your EHIC card to cover these costs.   

What destinations does winter sports insurance cover?

Whether you’re planning a snowboarding weekend in France or a skiing holiday in Canada, it’s important to have the right level of cover. Like standard travel insurance, winter sports policies depend on the destination you’re visiting. 

  • European travel includes non-EU member states, such as Switzerland and Norway.    
  • Worldwide travel (excluding the USA, Canada, the Caribbean and Mexico) is cheaper if you don’t need cover in these areas. 
  • Worldwide travel covers some of the top ski resorts in the USA and Canada, including Whistler and Aspen. 

Medical costs can run into tens of thousands of dollars in the USA and Canada, so travel cover is especially important. 

When should I buy winter sports travel insurance?

The best time to buy winter sports insurance is straight after booking your trip. A comprehensive travel policy will cover anything that might happen before you go away as well as anything that happens during your holiday. That means you could be protected if your trip is cancelled. 

Should I get joint winter sports cover?

If you’re travelling as a family, couple or group you may find a policy that covers all of you better value for money than individual travel insurance for each person.   

Can I get multi-trip winter sports insurance?

If you’re planning more than one winter trip in the course of a year, you might save money by getting annual travel insurance instead of a single trip policy.  

Can I get winter sports insurance with a pre-existing condition?

Having a medical condition doesn’t have to stop you from enjoying a winter sports holiday, but be sure to let your insurance provider know if you have any pre-existing medical conditions or injuries. If you’re injured because of a health condition that you didn’t disclose, your policy may be invalid should you need to make a claim. 

How do you stay safe on a winter sports holiday?

Winter sports are exhilarating, but they can also be dangerous. Follow our top tips to stay safe: 

  • Wear protective gear. Many insurance policies require you to wear a helmet on the slopes. Goggles and sunblock should also be worn to protect your eyes and face from the sun, which can be deceptively strong at altitude. 
  • Check weather reports. Snow reports, weather forecasts and avalanche risk levels are available at resort lift stations. 
  • Know your limits. Familiarise yourself with how pistes are rated for difficulty. That way, you won’t go beyond your level of ability. 
  • Be drink aware. Drinking alcohol at altitude will affect you more quickly than normal and could endanger you and those around you. 

What do I need to get a quote?

We can help you compare winter sports insurance quickly and easily so you can find the right level of protection to suit you. You don’t need any documents to get a quote, we’ll just ask some basic questions, including:

  • Where are you going?
  • When are you going?
  • Do you want any add-ons?
  • How many people do you want to insure?
  • How much excess are you willing to pay?
  • How much baggage cover do you need?
  • What would your medical cover limit be?
  • How much are you willing to pay for cancellation cover?
  • Do you have any pre-existing medical conditions?

Patrick Ikhena

Travel insurance expert

What our expert says...

“You’re more likely to get injured during a winter sports trip than a sunshine break lazing on the beach, which is why you need extra protection from your travel insurance. Be honest about your health or any existing injuries so you don’t invalidate your policy.”

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