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Ski travel insurance

Avoid unexpected bills by getting ski cover if you're going skiing or snowboarding.

You may be the type who loves nothing better than hitting the slopes and breaking up the monotony of everyday life. A few days of gliding over freshly packed powder and breathing in all that fresh mountain air is a great way to recharge. But whilst the adrenaline rush from hurtling down a slope is your cup of tea, injuring yourself might not be.

It’s a wise idea to protect yourself from any eventuality by having adequate winter sports cover for your holiday. Be it an emergency evacuation from the ski slopes or lost equipment by the airline on your way there, ski travel insurance will give you the peace of mind that comes from knowing you’ve got the cover that’s right for you.

What is ski travel insurance?

Ski travel insurance is regular travel insurance with added benefits relating to snow and winter sports. Consider all the things that can go wrong on a trip; you injure yourself, have your belongings stolen or get sick. Now think about how much worse it would be if these things happened on top of a mountain?

Do I really need ski cover?

Most standard travel insurance policies are unlikely to cover eventualities related to skiing or other winter sports. The majority of insurance companies regard skiing as a high-risk activity and therefore tend not to include it in standard travel cover.

For example, if you injured yourself while skiing or snowboarding, ski travel insurance can cover your medical treatment, and the cost of being airlifted off the mountains if needed.

In a similar way, ski insurance policies can also cover your costly ski equipment in the event that it’s lost, damaged or stolen.

What does ski travel insurance cover?

As well as all the usual benefits of a standard travel insurance such as delays and cancellations, medical costs and personal possessions, ski travel cover will protect you against situations specific to skiing holidays.

  • Equipment cover. If your equipment is stolen, lost or damaged.
  • Medical treatment. If you happen to be travelling outside Ireland, this would cover the cost of medical treatment if you’re injured during your trip. Although this may be limited to a specific sum depending on your policy.
  • Cancellations. If you’re injured on the side of a mountain and have to cancel the rest of your trip, you may be able to claim the cost of the trip.
  • Ski pass. To replace a ski pass if yours is lost or stolen.
  • Piste-closure. Some policies will cover you if you’re unable to ski because of the piste being closed due to bad weather or another reason. This is usually only applicable if the piste is closed for longer than a certain amount of time.
  • Personal liability. This will cover you should you be liable for an injury you might cause while you were skiing.

What is not included in ski travel insurance?

It’s always important to be aware of the limits of your policy such as the activities that your policy does not cover. These include more high-risk types of activities.

For example:

  • Heli skiing
  • Snowmobiling
  • Off piste skiing
  • Freestyle skiing
  • Competitive skiing
  • Ski touring

What should I consider when looking for a ski insurance policy?

Besides the specifics of what the policy covers, you should also consider the importance of where you are travelling to. For example, if you’re planning to go to Europe, it’s important to get a European Health Insurance Card (EHIC) in addition to your ski travel insurance.

The EHIC automatically entitles you to the same level of medical treatment as a local resident would get. However, the EHIC doesn’t cover you in all instances, such as emergency evacuation, which is why it’s so important to take out a separate ski travel insurance policy.

It is important to note that the EHIC only covers you in Europe. If you’re planning to travel further for your thrill-seeking, such as the USA, it’s even more important to have insurance. Medical treatment in the USA can reach into thousands of US dollars.

How much does ski travel insurance cost?

The cost of your ski travel insurance will vary depending on several factors including your age, destination, length of cover and the frequency of ski trips. Insurance providers will then use this information in order to calculate the premiums of a policy.

Ski travel tips and advice

  • It’s important that you read through the terms and conditions of your insurance policy. Knowing what exclusions apply will keep you from getting any unwanted surprises if you do need to make a claim.
  • Be sure to be up front about any pre-existing conditions you have such as asthma or diabetes in your application.
  • It’s a good idea to do some research on your ski destination beforehand. It also helps to check weather reports and visit DFA.IE for travel advice.
  • In the event that you need to make a claim such as an injury or loss of equipment, make sure you or someone on your behalf contacts the insurer as soon as possible.
  • Drinking and skiing don’t mix. Any incident involving alcohol or drugs is likely to affect the validity of your insurance claim and as a result, you might have to pay thousands in medical expenses if you’re injured.

Frequently asked questions

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