Winter Sports Travel Insurance

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About This Guide – This guide breaks down everything you need to know about Winter Sports Travel Insurance, including who it’s designed for, what’s covered, optional extras, and tips for selecting the right cover for your ski or snowboard holiday. If you want to compare prices instantly, you can get a quick winter sports travel insurance quote in minutes.

Winter Sports Travel Insurance – Protect Your Ski & Snowboarding Holidays

Planning a ski trip, snowboarding break or winter adventure? Winter Sports Travel Insurance helps protect you against injuries, piste closures, lost equipment and unexpected events on the slopes. Whether you’re skiing in the French Alps, snowboarding in Canada or exploring Scandinavia, our specialist cover gives you peace of mind throughout your winter holiday.

Why Do You Need Winter Sports Travel Insurance?

Winter holidays come with unique risks that standard travel insurance doesn’t always cover. Slips, falls, poor weather and equipment issues can easily disrupt your trip and become expensive.

Winter Sports Travel Insurance can help protect you from:

  • Medical costs following ski or snowboarding injuries

  • Mountain rescue and helicopter evacuation

  • Lost, stolen or damaged ski equipment

  • Piste closures due to weather

  • Cancelled lessons or unused lift passes

  • Trip cancellations or curtailment

With 24/7 emergency assistance, you can enjoy your holiday knowing help is always available.

What’s Included in Our Winter Sports Cover?

Our policies offer comprehensive, flexible protection for your winter holiday. Cover levels may vary depending on your chosen policy.

  • Emergency Medical Expenses (up to £10 million)

    • Cover for skiing and snowboarding injuries abroad.

    • Includes mountain rescue, helicopter evacuation, and repatriation if necessary.

  • Ski & Snowboard Equipment Insurance (up to £1,500)

    • Cover for lost, stolen, or damaged ski and snowboard gear.

    • Includes both owned and hired equipment.

  • Replacement Equipment Hire (up to £1,500)

    • Reimbursement if your ski gear is delayed, lost, or stolen.

  • Piste Closure Compensation (up to £500)

    • If adverse weather or lack of snow forces piste closures, we’ll help recover your costs.

  • Ski Pass & Lessons Cover (up to £1,500)

    • Refund for unused lift passes, ski school, or hired equipment due to illness or injury.

  • Trip Cancellation & Curtailment (up to £10,000)

    • Protects prepaid holiday costs if your trip is unexpectedly cancelled or cut short.

  • Personal Liability Protection (up to £2 million)

    • Cover if you accidentally injure someone or cause property damage while skiing or snowboarding.

  • 24/7 Emergency Assistance

    • Access to medical help and travel support worldwide.

Which Winter Sports Are Covered?

Our Winter Sports Travel Insurance includes a wide range of activities, grouped by risk level. Always check your Policy Wording for full details.

Standard Winter Sports

  • On-piste skiing

  • On-piste snowboarding

  • Cross-country skiing

  • Tobogganing

  • Sledging

Higher-Risk Activities (may require an upgrade)

  • Off-piste skiing or snowboarding (with a qualified guide)

  • Ski touring

  • Snowmobiling

  • Heli-skiing

  • Snow kiting

  • Bobsleighing

📍 Some exclusions and conditions apply. Always check your policy wording before travelling.

Who Needs Winter Sports Travel Insurance?

Our cover is ideal for:

  • Skiers & Snowboarders – from beginners to experienced riders.

  • Families on Winter Holidays – ensuring adults and children are fully protected.

  • Freestyle & Off-Piste Enthusiasts – for adventurous travellers.

  • Groups & Clubs – cover multiple travellers under one policy.

If winter activities are part of your holiday, dedicated cover is essential.

Planning a one-off ski trip? You can also get cover through our Single Trip Travel Insurance.

Travelling more than once this year? Our Annual Multi-Trip Travel Insurance can cover all your holidays, including winter sports, under one policy.

Key Considerations When Choosing Ski Insurance

Before buying ski or snowboard insurance, think about:

  • Medical Cover – Essential for costly slope injuries and mountain rescue.

  • Equipment Protection – Covers your own or rented gear.

  • Piste Closure Compensation – Refunds if conditions prevent skiing.

  • Cancellation Cover – Protects against illness, injury, or emergencies.

  • Activity Restrictions – Always check which sports are included in your policy.

Choosing the right level of cover ensures you’re protected whatever your plans on the mountain.

Why Choose Our Winter Sports Travel Insurance?

  • Tailored policies for skiing, snowboarding, and winter holidays.
  • Comprehensive cover at competitive prices.
  • Worldwide protection for Europe, North America, Asia & beyond.
  • Trusted by travellers with efficient claims and reliable support.
  • 24/7 emergency helpline whenever you need assistance.

Get Your Winter Sports Travel Insurance Today

Don’t let accidents or cancellations ruin your winter getaway. Secure your Winter Sports Travel Insurance before you travel.

👉 Get a free quote today and hit the slopes with confidence.

Winter Travel Advice & Resources

Related Winter Sports Guides

Looking for more winter travel tips? Explore our latest articles:

Cover limits, terms, conditions and exclusions apply. Please read the Policy Wording carefully to ensure the cover meets your needs.

Page last updated: December 2025

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Winter Sports Travel Insurance FAQs

Yes. While an EHIC/GHIC card can provide access to state healthcare in Europe, it does not cover private medical treatment, mountain rescue, or repatriation to the UK. Our Winter Sports Travel Insurance ensures you’re protected if you’re injured on the slopes, need emergency assistance, or your trip is disrupted.

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

Yes, but only under certain conditions. Off-piste skiing or snowboarding is usually covered when you are with a qualified guide and following resort regulations and International Ski Federation rules. Cover will not apply if you ignore safety guidance or go into restricted areas.

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

Yes. Snowboarding is included under our standard winter sports cover, alongside skiing and other listed activities. For higher-risk activities (such as heli-skiing, ski touring, or snow kiting), please check your Policy Wording to confirm if additional cover is required.

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

Absolutely. You can choose between:

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

Yes. You’re covered for up to £1,500 if your skis, snowboard, or other winter sports equipment are lost, stolen, or damaged during your trip. For equipment over 5 years old, the maximum we’ll pay is £50. To make a claim, you’ll need proof of ownership and, where relevant, reports from police, resort management, or a specialist dealer.

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

If your equipment is lost, stolen, damaged, or delayed for more than 12 hours on your outward journey, we’ll reimburse up to £1,500 for replacement hire costs so you can continue your holiday without disruption.

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

Yes. If on-piste skiing at your resort is closed due to lack of snow, too much snow, or avalanche risk, you’re covered for up to £500. This includes:

  • Up to £15 per day towards transport to another resort, or

  • £25 per full day if no skiing is available at all.
    A confirmation letter from resort management is required to make a claim.

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

Yes. If you’re unable to ski due to illness or injury, or if your lift pass is lost or stolen, you’re covered for up to £1,500 for the unused portion of your ski school, resort pass, lift pass, or hired equipment (limited to £150 per week).

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

  • Your policy will be invalid if you do not wear a helmet
  • Travelling against the advice of the government or the FCDO
  • If you have not declared your pre-existing medical conditions
  • If you have an accident while under the influence of alcohol or drugs

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

An EHIC or GHIC covers state healthcare, not private treatment.
With an EHIC or GHIC you can get emergency or necessary medical care for the same cost as a resident in the country you’re visiting. This means that you can get healthcare at a reduced cost or for free.
An EHIC or GHIC is not a replacement for travel insurance – it does not cover everything, such as mountain rescue or being flown back to the UK (medical repatriation). Make sure you have both before you travel.
You’ll need to pay in full for treatment if you do not have an EHIC, GHIC or provisional replacement certificate (PRC).
The following European countries do not accept the EHIC or GHIC:

  • the Channel Islands, including Guernsey, Alderney and Sark
  • the Isle of Man
  • Monaco
  • San Marino
  • the Vatican

All our policies can cover you for trips to the UK, Europe and worldwide, so whether you’re planning a short snowboarding break in the Alps, or a skiing trip in Canada, our policies can cover you.

Medical costs can run into £100,000 plus if you have an accident and need to be returned home from the USA, so travel insurance with winter sports cover is especially important.

As soon as you book. Our policies provide cover for cancellation risks, which means you can recoup the cost of your holiday should you need to cancel, due to falling ill, getting injured, or being made redundant. For more information about cancellation cover and the terms and conditions, please see our Policy Wordings.

📌 Winter Sports Extension applies when Sports & Activities level 3 or 4 is selected. Terms, conditions, exclusions, and limitations apply. Please see the full Policy Wording for details.

If you are travelling as a couple, family or group, you may find that it is better value for money by having your partner or family on the same policy. For example, on our policies, couples benefit from a 10% discount, and kids are free on family policies.

Yes. If you are planning multiple trips throughout the year and one or more of them is a winter sports trip, then it’s important to add winter sports cover to your policy. You may even save money by purchasing a multi-trip policy versus buying separate single trip policies.

We are confident that our medical screening quotation system will provide cover in most circumstances, with decisions being instantaneous. Simply get a quote or contact us to discuss further.

If we cannot cover your condition, GoodToGo Insurance may be able to help you. We are pleased to have partnered with GoodToGo Insurance, who are on the list of serious medical specialist providers presented on the medical directory by MaPS.

GoodToGo’s policies are designed for people travelling with all types of pre-existing medical conditions up to a high level of severity and sometimes even a terminal prognosis. You can call us on 0333 400 7745 or visit our Covered2Go/GoodToGo partnership website for more information.

If Covered2Go and/or GoodToGo are unable to cover your condition, then you have free and unrestricted access to a pool of specialist travel insurance providers on the directory provided by the Money and Pensions Service (MaPS).

MaPS was established at the beginning of 2019 and engages with HM Treasury on policy matters relating to financial capability and debt advice.

The MaPS travel insurance directory has been created for travellers who have potentially been refused cover or received a high additional premium in connection with their medical conditions, which provides them with access to consider alternative providers.

How can I access the MaPS Directory?

  • By Phone – call 0800 138 7777 (Monday – Friday 8am to 6pm)
  • Online – you can visit the online travel insurance MaPS directory for a full list of participating travel insurance brands by clicking here.
  • By Email – simply contact traveldirectory@maps.org.uk.