Winter Sports Travel Insurance – Protect Your Adventures

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Winter Sports Travel Insurance

Planning a ski trip or snowboarding adventure? Winter sports holidays are exhilarating, but they also come with risks. That’s why having Winter Sports Travel Insurance is essential to protect yourself against injuries, equipment loss, cancellations, and more. Whether you’re carving the slopes of the Alps, experiencing off-piste adventures, or snowshoeing in the wilderness, our comprehensive cover ensures peace of mind throughout your trip.

Why Do You Need Winter Sports Travel Insurance?

Winter sports involve a higher level of risk than standard holidays. Injuries on the slopes, adverse weather conditions, lost or stolen equipment, and even piste closures can disrupt your trip. Our Winter Sports Cover provides financial protection, so you can focus on enjoying your holiday without worries.

What’s Included in Our Winter Sports Cover?

Our policies offer flexible levels of protection, covering essential aspects of your winter holiday:

  • Emergency Medical Expenses – Cover up to £10 million for accidents and injuries, including mountain rescue, helicopter evacuation, and repatriation if needed.
  • Winter Sports Equipment Cover – Protects up to £1,500 for lost, stolen, or damaged ski and snowboard gear, including hired equipment.
  • Replacement Equipment Hire – If your equipment is lost or delayed, we’ll reimburse hire costs up to £1,500.
  • Piste Closure Compensation – Get up to £500 if adverse weather or lack of snow prevents you from skiing or snowboarding.
  • Ski Pass Cover – Reimbursement up to £1,500, for unused lift passes, ski lessons, and hired equipment if you’re unable to use them due to illness or injury.
  • Cancellation and Curtailment Cover – Protects pre-paid costs, with coverage up to £10,000 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 medical help or travel support anytime, anywhere.

What Winter Sports Are Covered?

Our Winter Sports Cover includes a wide range of activities under different risk levels. Depending on your chosen sport, additional premiums may apply.

📍 NOTE: Some sections of cover will be excluded and special conditions and exclusions will apply while taking part in certain activities, see the individual sport and activity within the Policy Wording for details.

Standard Cover Includes:

  • Skiing (on-piste)
  • Snowboarding (on-piste)
  • Cross-country skiing
  • Ice skating
  • Tobogganing
  • Sledging
  • Glacier walking (ice walking)

Higher Risk Activities (May Require Additional Cover):

  • Snowmobiling
  • Off-piste skiing/snowboarding (with a guide)
  • Heli-skiing
  • Ski touring
  • Snow kiting
  • Bobsleighing

Before booking, check your Policy Wording to ensure your specific activities are covered. If you’re unsure, contact our team for clarification.

Key Considerations When Choosing Winter Sports Insurance

  • Medical Cover is Essential – Skiing injuries can be costly, especially if mountain rescue or hospital treatment abroad is required. Ensure you have adequate medical cover.
  • Protect Your Equipment – Whether renting or bringing your own gear, make sure your policy includes equipment cover in case of theft or damage.
  • Check for Piste Closure Compensation – If weather conditions make skiing impossible, this feature helps recover lost expenses.
  • Look for Cancellation Protection – Unforeseen circumstances like illness or injury could prevent you from travelling.
  • Understand Activity Restrictions – Some high-risk activities may need additional cover, so always verify policy details.

Who Needs Winter Sports Travel Insurance?

Our policy is ideal for:

  • Skiers and Snowboarders – From beginners to experts.
  • Families on Winter Holidays – Ensuring kids and adults are fully covered.
  • Freestyle & Off-Piste Enthusiasts – For those seeking adventure beyond standard slopes.
  • Group Travellers – Covering multiple individuals under one policy.

Why Choose Our Winter Sports Cover?

  • Tailored Policies – Choose the level of cover that suits your needs.
  • Comprehensive Protection – From medical expenses to lost equipment, we’ve got you covered.
  • Competitive Pricing – Get value-for-money protection without compromise.
  • Trusted by Travellers – Reliable support and efficient claims process.
  • 24/7 Assistance – Emergency support whenever you need it.

Get Your Winter Sports Travel Insurance Today

Don’t let unexpected events ruin your ski holiday. Secure comprehensive Winter Sports Travel Insurance before you hit the slopes.

📍 Get a quote today and enjoy a worry-free winter adventure!

Useful Travel Advice & Requirements

  • UK Foreign Travel Advice – Get up-to-date information on visa requirements, travel restrictions, and safety tips for your destination.
  • NHS Fit for Travel – Find health advice, vaccinations, and travel health recommendations.
  • ABTA – Advice on booking safe and secure holidays.
  • FCDO Travel Insurance Advice – Learn why travel insurance is essential before going abroad.

winter sports travel insurance, award-winning travel insurance

Winter Sports Travel Insurance FAQs

  • 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

For full terms, conditions and exclusions, please refer to our Policy Wordings.

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.

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.