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Ski travel insurance
Don't white out, wise up. Compare ski travel insurance and protect yourself in minutes.
Getting excited for the snow? We know you spent bucket loads on your gear, lift passes and accommodation, now you’ll be looking for the right cover. The reality is that winter sports can be dangerous, so protect yourself from whatever the snow can throw at you by comparing ski travel insurance policies and choosing the right one for you.
What is ski travel insurance?
Ski travel insurance is regular travel insurance with added benefits that are snow sports-related. 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.
What does ski insurance cover?
- Emergency evacuation. Imagine the worst happens and you’re stuck in the middle of a black run. Emergency evacuation will cover the expense of your rescue (even if a helicopter is needed!) and transport you to the nearest medical facility.
- Extreme weather conditions. There’s nothing much you can do when the weather isn’t on your side. Because skiing facilities are usually so high up, the weather is all the more unpredictable. Crack open a book (or a beer) and get peace of mind knowing you’re covered for your expenses.
- Your own equipment. If you’ve just bought a top-notch set of skis for your upcoming trip, you want to protect your investment. Travel insurance will make sure they’re protected from damage or theft.
- Equipment hire. This covers the cost of hiring equipment if your own gear is stolen or damaged in an accident.
- Unused ski passes/lessons. So you paid up-front for a batch of ski lessons but didn’t end up using them all because you were unwell or it was cancelled? Ski insurance can cover you for this so no money is wasted.
- Heli-skiing. This one’s for the pros and the adrenaline-junkies who want to go beyond the black runs. You usually have to purchase additional cover if you’re planning a heli-skiing adventure, so make sure this one is included in your policy if you plan on taking things to the next level.
How to find the best ski travel insurance
If you’re looking for the best ski travel insurance, we recommend looking for the following benefits included in the policy, or at least available as an add-on. It’s handy to know that not all insurers provide the same benefits, so when you’re looking for the best ski travel insurance, make sure you’re chosen insurer covers you for the following;
- Your own snow sports equipment. If you hit the slopes regularly and own your own gear then you know how much you paid for it. That stuff isn’t cheap. Make sure your policy covers your gear that is lost, stolen or damaged on your trip.
- Snowsports equipment hire. This is cover for hiring equipment if something happens to your own gear on the trip and it becomes unusable.
- Snowsports equipment excess. Cover for the cost or the repair of hired equipment if it is damaged or stolen while under your care.
- Emergency rescue. Cover if you become injured and need assistance from a rescue team to get medical care.
- Ski pack. This will cover your prepaid expenses in case you have to cancel. Prepaid expenses include snow equipment, lift passes, lessons and accommodation.
- Lift pass. Specific cover for your lift pass in case you’re a snow bunny and bought an annual ski pass.
- Bad weather. This is cover if your plans are affected by an avalanche, resort closure and piste closures. You may be covered for the expenses of having to relocate to another area.
How much is ski travel insurance?With all insurance, there are different factors that can affect the cost of your premium. These include:
- The provider you choose. Price isn’t everything. While budget policies may appear great in a quote comparison table, they often have higher excess charges and lower payouts for different benefits. So be careful.
- The policy you choose. The level of cover you choose affects the amount you pay for your ski insurance such as medical only, standard or comprehensive cover.
- The excess you choose. Some people like to play with their excess amounts to get a more favourable premium. Those who are low risk will generally opt for a lower/nil excess so they don’t have to worry about paying anything extra in case they have to make a claim. High risk people will generally opt for the higher excess to get the cheaper premium and hope they will not have to claim.
- Your age. The older you get, the greater the risk to the insurer you pose, so you’ll pay a higher premium.
- Your destination. The destination you’re travelling to impacts how much your policy costs, e.g. the US is one of the most expensive places to get cover due to its high medical care costs.
- The duration of cover. The cost of winter sports travel insurance can be affected by the length of time you are going for, as the longer you require cover for the more you will have to pay for this protection.
- Your holiday plans. If you are planning on engaging in risky activities, such as skiing, you’ll end up paying more.
- Cover for high-value items. Most insurers allow you to take out additional cover for items with greater value than the default amount that will be paid for loss. Registering high price items will incur a premium loading based on the number of items and the value that is stated.
General exclusions for ski insurance
Every travel insurance policy will have activities or events that are excluded from cover. These can vary significantly between providers so it is important to be clear on events that you stand to receive a claim for:
Some sports are not covered automatically. Most policies will not provide a benefit payment for claims arising out of participation in:
- Snow rafting
- Ski acrobatics
- Ski joering
Other exclusions include:
- Resorts in certain periods. Some policies don’t provide cover outside of the recreational ski season.
- Bad weather and avalanche closure. Most providers will require you to obtain a written confirmation from an appropriate authority confirming the closure.
- Skiing under the influence. Like all travel insurance policies, you will not be covered for any losses if under the influence of drugs or intoxicated.
- Skiing out of bounds. There are a number of insurers that will cover you for skiing off-piste but only if you are within the boundaries of the resort. Generally, you will not be covered for backcountry skiing outside of the resort boundaries.
Ski insurance for off-piste, cross-country and backcountry skiing
Most insurers will offer cover for recreational skiing under a ski insurance policy but this will rarely include cover for off-piste, cross-country or backcountry skiing.
Is off-piste skiing covered?
A piste is recognised as a marked run or path down a mountain. Off-piste skiing refers to skiing in the backcountry or on unmarked trails. As there are more risks involved, only a handful of insurance providers will offer off-piste cover.
Is cross-country skiing covered?
Cross-country skiing is making your way around the ski fields without the assistance of chair lifts or other transportation. Not all insurers cover this because of the added risk.
Is professional skiing covered?
It is possible to find cover for professional skiing. Unfortunately, not all insurers cover professionals, so it is crucial that you check with the company prior to purchase and also read through the terms and conditions thoroughly.
Any more questions?
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