
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
You can add ski insurance to get extra coverage for medical care and ski equipment not covered under standard travel insurance. But check the policy’s fine print if you’re planning anything adventurous like heli-skiing or cross-country runs. Also, this add-on may not be necessary for everyone, especially if you have ample health insurance.
Rather than a standalone policy, ski travel insurance is an optional upgrade you can buy to cover claims related to skiing. Standard travel policies typically exclude risky activities and sports. But insurers know some customers travel just for that thrill on the slopes. Since a ski trip involves more risk for filing a claim, you might see a higher premium than a trip with standard risks.
The main benefits you get from adding skiing coverage are medical expenses and medical transportation coverage. Your skiing can get protection in these ways:
Ski coverage typically is an add-on, so you also might have this coverage depending on the policy you choose:
A general rule of thumb is that your travel policy will cost 5% to 10% of your trip. You might see a premium closer to the 10% mark for a sport like skiing that insurers consider high risk. But all insurance companies use multiple factors that affect the cost of your policy. Those include:
Not all insurance companies provide the same benefits. When you’re looking for the best ski policy for you, consider:
Every travel insurance policy excludes some activities or events from coverage. These can vary based on the provider, so you should get clear on events you can claim ahead of time. A few common exclusions:
Your personal health insurance should cover injuries or illnesses you may get on the slopes if you’re skiing in the US. Your deductible, co-pays and provider network will apply. In this case, you might choose to rely on your health policy or you might buy ski insurance as backup coverage.
However, health insurance won’t cover other problems with your trip due to a ski accident. For example, if you’re stuck in the hospital due to a broken leg and miss your flight home, health insurance wouldn’t cover those extra expenses to rebook your flight. Only travel insurance would help with trip-related expenses.
Although skiing may get excluded from standard travel policies, some companies offer coverage as an upgrade. Many travel insurance providers will cover you as long as you plan to stick to marked runs.
Learn cost-sharing terms to find out how much you’ll really pay for healthcare.
Get an incentive to meet your existing health and fitness goals with a discounted premium.
Learn your policy options based on the type of transplant and your health status now.
Compare the costs, coverage and eligibility of these two popular plans.
Use your death benefits to help pay for medical expenses while you’re still alive.
Transform your home without leaving insurance gaps while your home’s under construction.
No-cost options are available, but these policies may not offer the coverage you need.
A no-exam policy may work best, but shop around if you’re in good health otherwise.
Learn which short- and long-term add-ons are free and why others might be worth the extra cost.
Reflect on the costliest disasters of 2020 — and make sure you have the insurance that covers them.