Winter sports travel insurance is an essential part of planning any ski or snowboarding holiday. There’s nothing quite like the crisp mountain air, stunning views, and that first run of the day on freshly groomed snow — but as every skier or snowboarder knows, things don’t always go to plan.
From unexpected injuries to lost equipment or closed pistes, winter sports come with unique risks that standard travel insurance doesn’t always cover. The right winter sports policy gives you peace of mind, knowing you’re protected if something goes wrong — so you can focus on enjoying every moment on the slopes.
For general guidance on arranging travel insurance before heading abroad, the UK Government provides helpful advice here.
Ensure you have comprehensive winter sports travel insurance before hitting the slopes to protect yourself from unforeseen events.
Why Winter Sports Travel Insurance Is Essential
Skiing and snowboarding are exhilarating, but even a minor accident on the slopes can lead to major costs abroad. Medical treatment, mountain rescue, or an air ambulance from a ski resort can quickly run into thousands of pounds — and without the right cover, you could be left footing the bill.
Winter sports policies are designed specifically for these situations. They offer protection for the unique risks that come with skiing and snowboarding, including equipment loss, piste closure, and avalanche delay.
In short, it’s peace of mind while you enjoy the mountains.
For more general advice on staying healthy while travelling, you can visit the NHS travel health guide.
What’s Covered Under Ski and Snowboard Insurance?
A specialist winter sports policy provides a wider range of benefits than standard travel insurance. Cover typically includes:
-
Emergency medical expenses and repatriation – including on-piste or off-piste injuries (when within resort boundaries and safety advice).
Search, rescue and air ambulance – in case you need to be brought down from the slopes.
-
Lost, stolen or damaged equipment – whether your own or hired.
-
Piste closure – compensation if bad weather or lack of snow prevents you from skiing.
-
Avalanche delay – extra travel or accommodation costs if you’re stranded.
-
Trip cancellation or curtailment – if you can’t travel due to illness or an emergency.
-
Personal liability – in case you accidentally injure someone else or damage property.
👉 Learn more about what’s included with Covered2Go Winter Sports Travel Insurance.
What Isn’t Covered?
Every policy has limits and exclusions, so it’s important to know where cover ends. You may not be covered for:
-
Skiing or snowboarding off-piste without a qualified guide.
-
Competitive or freestyle events, or terrain parks.
-
Equipment rented without proof of hire or receipts.
-
Travelling against government or resort advice.
If you’re unsure about your plans, contact us before you travel — our team will confirm what’s covered so you can head off with confidence. For more details, see our Covered2Go Policy Wording and FAQs.
For extra safety guidance and preparation tips, the Ski Club of Great Britain’s safety guide offers practical advice for staying safe on the slopes.
Common Ski Insurance Claims
Winter sports claims often involve medical treatment for injuries (like sprains or fractures), lost or damaged equipment, or compensation for cancelled trips due to bad weather.
Having the right cover ensures you can focus on recovery — not unexpected bills. A good policy means you’re supported every step of the way, from the slopes to the airport home.
Tips for Choosing the Right Winter Sports Cover
-
Compare the limits for medical expenses, equipment, and cancellation.
-
Check your destination – some policies cover Europe only, others worldwide.
-
Add the Winter Sports extension if it’s not automatically included.
-
Ski more than once a year? An Annual Multi-Trip Policy may offer better value.
-
Review the excess amounts, so you know what you’d pay if you need to claim.
Taking a few minutes to check these details can make a big difference when you need help abroad.
For additional advice, you can check out ABTA’s winter sports holiday tips for practical guidance before you travel.
Ready to Hit the Slopes?
Whether you’re carving through fresh powder or enjoying the après-ski, make sure you’re covered for every run.
Get peace of mind with Covered2Go Winter Sports Travel Insurance or Get a Quote in minutes – for wide-ranging protection for you, your trip, and your equipment.
