Am I covered for skiing and snowboarding?

What does your coverage offer?

Your plan provides coverage for a number of snow experiences such as:

  • Off-trail skiing and snowboarding (except as designated unsafe by the resort management)

  • Skiing and boarding within resort boundaries

  • Cross country or Nordic skiing on marked trails

  • Ice skating (both on an outdoor or indoor rink, or on a frozen lake or river)

Some of these sports will require you to upgrade your policy for an additional premium. You can see a full list of adventure activities for Canadians in the policy wording. Those activities that require an upgrade are labeled “Level 2” and “Level 3.”

As an additional requirement, we ask that you follow the International Ski Federation code or the resort regulations as a condition of coverage. Other conditions may apply.

How it works

If you are hurt on the slopes, your plan may help with:

  • Emergency evacuation if it’s urgent, medically necessary and pre-approved by the 24/7 Emergency Assistance team. 

  • Emergency medical expenses for treatment at the hospital or local medical centre.

  • Ambulance: If you need transportation to a suitable medical facility for treatmen

  • Repatriation: If you’re seriously ill or injured, unable to continue your trip and pre-approved by the 24/7 Emergency Assistance team.

  • Gear coverage: Checked-in sporting equipment may be covered when lost or damaged by the carrier or stolen.

Medical procedures and transportation need to be pre-approved and arranged by the 24/7 Emergency Assistance team. Who pays for your medical bills upfront depends on your situation and the required treatment.

What may not be covered?

While it’s not always compulsory to have a guide or instructor when on the snow, as mentioned above, you must still follow the International Ski Federation code or the resort regulations. High-risk and professional snow adventures are excluded from the plans. 

Other things the policy does not cover:

  • Search and rescue. We recommend you don’t venture into backcountry areas without taking local advice and appropriate rescue equipment. Make sure you stick to the resort boundaries and always ski with a companion for safety. 

  • Competition and Training. If you’re competing in a snow event such as racing or participating in a national squad or team

  • Acrobatics, tricks, stunting, freestyle, aerials or jumps.

Lastly, before you purchase a plan, read the policy wording carefully. You may need to upgrade your policy.

This is only a summary of coverage and does not include the full terms and conditions of the policy.  It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions.  If you do not understand your coverage, or if you have questions, just ask us.

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We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 7:00am - 7:00pm (CST)

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Within Canada & continental USA, toll free:
1 877 328 2528

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+1 416 646 3723