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Ski travel insurance

Compare and find a great deal on ski 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 ski 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 ski 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 ski 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 ski 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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Ski travel insurance

Speed, exhilaration, clean mountain air - who doesn’t enjoy an adrenaline-packed skiing holiday?

But with the possibility of collisions and falls, skiing also comes with a high risk of injury. That’s why it’s essential to have the right travel insurance to help ensure you’re covered on and off the slopes.

But going on a ski holiday without the right cover can leave you open to huge costs if something goes wrong. We take a look at what you need.

CORONAVIRUS UPDATE

On 7 September 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.

What does ski holiday insurance cover?

Along with all the basics you’d expect from a standard travel insurance policy (for example, cover for lost or stolen luggage, cancellation and medical costs), ski travel insurance is tailored to include a higher level of cover for skiers and their equipment.

A good ski travel insurance policy should cover:

  • piste closure for more than 24 hours because of a lack of snow, too much snow, high winds or avalanche risk
  • alternative equipment hire if your luggage is lost or delayed on the outward journey
  • personal liability if you injure someone else
  • delays caused by avalanche

What’s not covered by ski holiday insurance?

Not all types of skiing are rated equal. Even with ski travel insurance, your policy may not cover:

  • heli-skiing
  • snowmobiling
  • off-piste skiing
  • freestyle skiing
  • competitive skiing
  • ski touring

If you’re into more adventurous skiing, it may be worth considering extreme sports travel insurance to get the right level of cover for higher-risk sports.

It’s also important to know that:

  • some UK providers require you to wear a helmet or your policy will be invalid
  • nearly all ski policies will be invalid if you’re injured while under the influence of alcohol or drugs

What else should I consider when buying ski travel insurance?

There are a few other things to think about when arranging your ski travel insurance, including:

Where are you going?

Ski travel insurance to Europe will typically cost less than the USA and Canada, as medical treatment in those countries is more expensive.

The Foreign and Commonwealth Office advises holidaymakers to apply for a free European Health Insurance Card (EHIC) as well as buying travel insurance when going to a European ski resort.

The EHIC card will cover you for treatment that would otherwise be free only for local residents; or lower cost treatment for a medical emergency in a local public hospital.

But it won’t cover the costs of a mountain rescue or repatriation to the UK if you need to be flown home.

UK residents can use the EHIC card until the end of the Brexit transition period, on 31 December 2020.

How many are going?

If it’s a family holiday, or you’re travelling as a couple or a group you might find it better value to buy travel insurance that covers all of you under one policy.

If you’re planning more than one skiing trip over 12 months, you might save money by buying an annual policy.

How’s your health?

Be sure to let your insurance provider know if you have a pre-existing medical condition, including any injuries. If not, they could refuse to pay your bills in the event of a claim.

When should I buy ski travel insurance?

The best time to buy travel insurance is straight after booking your holiday. A comprehensive travel policy will cover anything that might happen before your trip, as well as anything on it. That means you’re likely to be protected if your trip is cancelled.

Frequently asked questions

Do I need specialist ski insurance?

Most standard travel insurance policies won’t cover skiing, so you may need to find special cover to ensure you’re protected during your skiing holiday.

With ski injury medical bills as high as £90,000, skiers are being urged to ensure they have the right cover in place before hitting the slopes.

Can I get off-piste ski insurance cover?

Cover for off-piste skiing is included as standard in some winter sport travel insurance policies, but the levels of cover may vary. Check any winter sport policy carefully before buying and consider taking out specialist off-piste ski insurance, or extreme sports insurance, to ensure you're covered.

Will my age affect the cost of ski travel insurance?

Just like normal travel insurance, the older you are, the more you’re likely to have to pay. That’s because you’re deemed to be at a higher risk of falling ill or getting injured – or having a pre-existing medical condition.

Can I get cover for my skiing equipment?

You should be able to get cover for your skiing equipment. A good ski travel insurance policy may cover damage to - and theft or loss of - your own or hired skiing equipment, and alternative equipment hire, if your luggage is lost or delayed on the outbound journey. You could also add a higher level of baggage cover, if you’re travelling with particularly valuable pieces of kit.

Is multi-trip insurance cheaper?

It’s not always cheaper to get a multi-trip insurance policy if you’re going on more than one trip in a year. If you’re going on different holidays – for example, a beach break in Spain and a skiing holiday in the USA - you’ll need different levels of cover.

For the skiing holiday in the USA, you’d need worldwide insurance, including cover for winter sports. Instead of paying for this for the one time you’d need it, with multi-trip insurance you’ll be paying for the whole year, which can be unnecessarily expensive.

Find out if annual or single trip travel insurance is right for you.

What do I need to get a quote?

You don’t need any documents to get a travel insurance quote, we’ll just ask some basic questions. For example:

  • where are you going?
  • when are you going?
  • do you want any add-ons – perhaps for winter sports?
  • how many people you want to insure
  • how much excess you’re willing to pay
  • how much baggage cover you need
  • what your medical cover limit would be
  • how much you’re willing to pay for cancellation cover
  • if you have any pre-existing medical conditions

Patrick Ikhena

Travel insurance expert

Skiing is notorious for injuries, so even if you’re a black diamond-level skier, it’s important to have the right type of travel insurance to cover you, should the worst happen. Remember, not being completely truthful about your health, or any existing injuries, could invalidate your policy or result in a hefty additional charge.

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