Travel insurance for skiing and snowboarding

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor
Last updated March 26, 2024

Why take out travel insurance with ski cover?

Taking out a travel insurance policy with ski cover is a good idea for any traveller looking to hit the slopes to give you peace of mind on your adventures. A few ways your policy might help include:

  • If you have any on-piste injuries, your policy may cover emergency medical evacuation, as well as any hospital expenses.
  • Reimbursing you for unused lift passes, skiing lessons and equipment hire if bad weather causes piste closures that stop you from being able to ski.
  • Depending on your level of cover, your policy can also cover events unrelated to skiing, including lost or stolen baggage, unexpected cancellations costspersonal liability and more.

Choosing travel insurance with ski cover

Before you head to the slopes, it’s important to make sure you’re protected with a suitable level of cover. To help you travel with confidence, you should consider doing the following:

  • Check what your policy covers automatically and if you need to purchase additional cover for skiing and snowboarding, as well as any other adventure sports activities you might have planned.
  • Not all policies will cover off-piste skiing (also known as backcountry skiing), so if that’s something you plan to do, be sure to check that your insurer will cover you.
  • Read the policy wording of the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before taking out a policy to understand the extent of your cover (including any exclusions, limits or sub-limits) and whether it’s right for you.

Expert tips for choosing the right travel insurance for skiing and snowboarding

Our Executive General Manager of General Insurance, Adrian Taylor, has some tips for choosing suitable travel insurance with ski cover that suits your ski holiday’s needs.

Adrian Taylor
Executive General Manager – General Insurance

Ski cover varies between insurers

Skiing and snowboarding cover differs greatly between insurers; for example, some will provide cover automatically while others will require an extra premium for the additional cover you need. Always check the PDS to make sure you have the right cover for your holiday plans.

Consider what cover you need for your entire trip

Think about the cover you need for your whole trip, not just while skiing. This may include cover for medical expenses, cancellation fees, luggage and any rental vehicle excess, but also the additional cover you need for your ski holiday. You need to keep all this in mind when searching for a policy that suits your holiday needs.

Make sure your belongings are protected

Don’t leave your possessions unattended in a public place, as any theft claims your make for these scenarios may be rejected. All policies have limits, conditions and exclusions to their cover, and you need to understand these to ensure you’re insured for everything you need.

All about winter sports cover

Do I need travel insurance with skiing and snowboarding cover?

How does ski and snowboard insurance differ from standard travel insurance?

What’s the best ski and snow sports travel insurance?

Inclusions and exclusions

What does ski and snowboard insurance include?

What does snow trip travel insurance exclude?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

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