Snowboard travel insurance

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What does snowboard insurance cover?

A good snowboard travel insurance policy should include more than the medical cover, cancellation, and lost or stolen luggage cover that you typically get with a standard policy. It should also cover you if:

  • you lose your ski pass
  • your snowboard or hired snowboard is damaged, lost or stolen
  • your luggage is delayed and you need to hire equipment
  • the piste is closed for more than 24 hours due to lack of snow, too much snow or the risk of an avalanche
  • personal liability if your snowboarding causes an injury to someone else
  • delays or relocation due to an avalanche


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

If your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has 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 MoneyHelper or by calling them on 0800 138 7777.

Do I need specialist snowboard insurance?

If you’re planning a snowboarding holiday, it’s important to know that most standard travel insurance policies don’t cover winter sports, so if you want to be insured you’ll very likely need special cover. 

Many people think snowboarding is less dangerous than skiing, as the most common snowboarding injuries are wrist fractures, broken ankles and dislocated shoulders. These injuries may not be life threatening, but you could still need mountain rescue, medical treatment and even a flight home if it’s medically necessary. 

Medical costs for even minor injuries can be very expensive, potentially setting you back thousands of pounds. And if you don’t have the right travel insurance, you’d have to pay for treatment from your own pocket.

The right travel insurance policy could protect you against substantial costs if you take a serious tumble while you’re snowboarding. 

Frequently asked questions

What doesn’t snowboard travel insurance cover?

Even with a specialist snowboarding policy in place, make sure you read the terms and conditions carefully to understand any exclusions. Most policies won’t cover:

  • off-piste snowboarding
  • competitive snowboarding
  • injuries while snowboarding under the influence of alcohol or drugs
  • injury as a result of a pre-existing medical condition that you failed to disclose to your insurance provider

Also be aware that some insurance providers will insist that you wear a helmet for your policy to be valid.

Where will I need snowboard travel insurance for?

You’ll need to make sure you have the right level of cover for the destination you’re travelling to. Travel insurance for Europe tends to be cheaper than worldwide insurance. That’s because medical costs are typically much higher in countries outside Europe.

Do I need snowboard travel insurance for Europe?

Although, as a UK resident, you might have a valid  European Health Insurance Card** (EHIC), the EHIC alone won’t be enough to cover you for snowboarding accidents.  

The EHIC/GHIC would only cover emergency medical care in a public hospital. It won’t cover:

  • mountain rescues
  • treatment in a private hospital
  • repatriation back to the UK if medically necessary

The right snowboard travel insurance could cover these costs in the event of a mountain-top accident.  

Travel insurance can also give you comprehensive cover for snowboarding in countries that aren’t in the EU such as the  USA  and Canada.

**After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

What affects the cost of snowboard travel insurance?

The cost of snowboarding travel insurance can depend on several factors, including:

  • Your age. As you get older there’s more risk of injuring yourself – there’s also more chance of you having a pre-existing medical condition.
  • Your destination. Higher medical costs in countries including the USA and Canada means you’re likely to pay more for your travel insurance to these countries.
  • The length of your holiday. The longer you spend away, the higher the risk of you making a claim.

What else should I consider when buying snowboard travel insurance?

If you’re planning more than one snowboarding holiday over the year, an annual policy may be better value than single trip insurance.

You may also be able to save money if you’re travelling as a family, as a couple or  as a group.

When should I buy snowboard travel insurance?

The best time to buy travel insurance is as soon as you’ve made your booking. That way, if your holiday has to be cancelled before you leave, you should be covered for flight and accommodation costs in line with your chosen policy.

Check the terms and conditions, as equipment hire costs might also be covered in the event of a cancellation.

Safe snowboarding tips

Snowboarding is one of the most popular winter sports enjoyed by both learners and experts, but it can be dangerous in some situations.

These tips can help you to enjoy your snowboarding holiday to the full:

  • As well as safety gear, such as helmets, goggles, elbow and knee pads, make sure you bring a high factor sunblock – the sun’s rays can be particularly intense on the mountains.
  • Follow all advice from instructors and guides – they know what they’re talking about and your safety is their priority.
  • It can be great to challenge yourself, but be aware of your limits, especially if you’re a learner. Stick to the easier slopes at first and gradually build up your confidence and experience.
  • Don’t attempt to snowboard if you’ve been drinking. There’s more risk of behaving recklessly and injuring yourself if you have. Also, remember that your travel insurance won’t cover you for injuries that happen when you’re under the influence.
  • Let other people know where you’re snowboarding – if you get into difficulties, they could be able to get you help.

Compare snowboard travel insurance

We offer a quick and easy way to compare travel insurance providers, helping you save time and money so you can concentrate on the fun parts of your snowboarding trip. You can easily click on each policy to check what you’re covered for before committing to one. 

Compare a range of snowboard travel insurance policies and find the right level of cover for your holiday needs. 

Josh Daniels

From the Travel team

What our expert says

"Snowboarding is just one of many high-adrenaline activities that may be on offer when you take a winter holiday. If you’re considering doing other sports while away, check if you’ll be covered by your travel insurance. There should be a list of sports covered in your policy document.

“If your chosen sport or activity isn’t listed, contact your insurance provider to see if it can be added. If not, you may need to take out a separate policy.”

What do I need to get a quote?

To get a travel insurance quote, tell us a few details about you and your snowboarding holiday, including:

  • Where you’re going
  • Travel dates
  • The level of cover you need
  • Any extras you want to add
  • Your cover limits

Once we have your details, we’ll be able to show you a list of suitable quotes to compare.