What does snowboard insurance cover?
A good snowboard travel insurance policy should include more than the medical cover, cancellation, and lost or stolen baggage cover that you typically get with a standard policy. It could 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
- piste closure 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
Do I need specialist snowboarding insurance?
If you’re planning a snowboarding holiday, it’s important to know that most standard travel insurance policies don’t cover winter sports, because it’s a high-risk activity. 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, emergency 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. That peace of mind is well worth considering.
Frequently asked questions
What doesn’t snowboarding 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
If you’d like extra cover for these things, they may be available as an add-on, but you may need a specialist policy with a higher level of cover.
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?
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 in European destinations like Switzerland.
The EHIC/GHIC would only cover emergency medical care in a public hospital. It won’t cover:
- mountain rescues
- medical costs 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?
When should I buy snowboard holiday 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.
What about skiing travel insurance?
If you’re planning on going on holiday to a ski resort, you’ll need a different type of winter sports policy. Ski insurance can cover your ski trip, your ski equipment, as well as other things like emergency healthcare etc. If you’re looking to take part in something more high-risk, like heli-skiing, you’ll probably need extra cover.
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.
Travel insurance expert
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.