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Whether you like carving down a black diamond run or building a snow man, snow holidays are some of the most incredible experiences travellers can have. Despite all the fun and powdery goodness, there is an increased chance of injury during these trips, since accidents are common when skiing and snowboarding. With this in mind, taking out a travel insurance policy suited for skiers could be advantageous for any traveller looking to hit the slopes.

How does a policy for skiers differ to a standard travel insurance policy?

While it is great to have a travel insurance policy that covers everything, sometimes it is unnecessary to pay for extras you may not need. For example, it’s unlikely you will need car hire if you’re staying at a ski resort. However, a comprehensive policy with the ski or snow sports option added is tailored for travellers who are looking to stay at winter locations and participate in the snow activities many resorts have to offer.

What should I consider when purchasing ski cover?

Ski cover is designed to protect travellers who are specifically staying at winter resorts. With this in mind, anyone who is planning to have a holiday at a ski location should consider getting a policy – particularly if they are likely to partake in skiing and snowboarding.

Even if you don’t plan on skiing or snowboarding, it is probably a good idea to take out ski cover anyway, as a lot of policies can protect you in cases where you are injured. Some common injuries could be as simple as slipping over some ice on a walkway. If you are considering taking out a policy for your trip, use Compare the Market’s travel insurance comparisonservice, to get a better idea of what’s available to you.

Who should consider adding ski cover?

Unlike a lot of other travel options, ski cover is made for specific locations. For example, if you are going to Darwin, you probably won’t need any ski options. However, for those travelling in winter, to places that are likely to have both snow and activities such as skiing and snowboarding, it would be beneficial to take out cover. Among these locations could be any of the ski slopes in Australia (e.g.: Perisher, Thredbo, Falls Creek), New Zealand, Canada, Japan, Switzerland, or any other location known for their snow-covered mountains.

It is particularly important that anyone looking to partake in any snow sport to at least consider cover. We know how much fun skiing and snowboarding can be, and these activities can be the highlight of any winter holiday. But with all forms of snow sports, there is always a risk of being injured, and sometimes emergency transportation might be needed to get you from the ski field to a hospital. With ski cover, these expenses can be covered, allowing you to focus on enjoying the slopes.


What does ski cover include?

Here are a few general categories that are common within ski cover:

  • Medical/Emergency rescue: Skiing and snowboarding can be exhilarating, but both activities involve potential risks. If you get injured while on the slopes, both the transportation away from the slopes to the hospital and the medical treatment could set you back thousands of dollars. Ski insurance policies could cover these expenses, which in turn could help take the worry away while you’re carving down the mountains.
  • Equipment damage: During the fun of skiing and snowboarding, the equipment you use may be damaged. As long as you detail specific items to your insurance company, your policy should cover repairs that may be needed, for both hired and your own equipment.
  • Unused equipment: If you are unable to use hire equipment on your trip – whether it be through sickness, injury or a lost/stolen pass – your policy may cover the expenses of the things you won’t be able to use. Some of these expenses may include equipment hire, ski/snowboard lessons, lift passes, and any similar services/passes you may have previously paid for.
  • Closure due to weather conditions: While these destinations need snowfall to be operational, these conditions can also be potentially dangerous for travellers. If a ski field is closed due to poor weather conditions, you could be reimbursed for any expenses you may encounter.

Please note that policies generally have caps on how much they cover for each scenario. Before taking out travel insurance, read the Product Disclosure Agreement to learn about the extent of your cover.

What does ski cover exclude?

Before you book your policy, it is best to check the Product Disclosure Statement for a list of exclusions. While these can differ from company to company, here are a few instances that most policies won’t cover:

  • Travelling to snow destinations outside of the season: It may be tempting to avoid the seasonal rush and go to the slopes before or after the snow season – however, insurers may not provide coverage during these times. It’s best to check with your insurance company what dates they have approved.
  • Activities outside the resort’s boundaries: While you may consider yourself adventurous, or even a seasoned skier/snowboarder, it’s best to stick within the designated areas of your chosen snow resort. Any off-piste activities that occur outside of the designated boundaries might not be covered by your policy.
  • Accidents while under the influence: It’s great to have a drink or two while you’re on holidays, but not if you’re looking to partake in any slope-related activities. If you have an accident and it is determined that you were under the influence, you may not be covered.
  • High-risk activities not covered: Before undergoing any downhill runs, make sure it is an activity that is approved by your insurance company. Any undertaking that isn’t covered could lead to injuries, which may cost you dearly.

Compare travel insurance

While ski cover is streamlined to suit the needs of winter travellers, it’s still important to make sure you get the best cover available to you. With Compare the Market’s travel insurance comparison service, you can find the right policy in just minutes, from various different providers. Simples.

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