Skiing and Snowboarding Travel Insurance Coverage
US Residents Can Protect Against Skiing Injuries, Ski Resort Closures, Damaged Gear & More
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As featured in:
At a glance:
- All World Nomads plans cover losses resulting from skiing and snowboarding trips. Higher-tier plans offer coverage for more extreme skiing and snowboarding activities.
- Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while skiing or snowboarding.
- Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Gear and baggage protection helps cover lost, stolen, or damaged ski gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply).
- Why should I consider travel insurance for my ski trip?
- Travel insurance and non-insurance services for skiing and snowboarding trips: What may be covered?
- What level of travel insurance coverage do I need for my ski trip?
- What may not be covered when on your skiing trip?
- Top safety tips we recommend for your skiing trips
- FAQs
Are you dreaming of peaks in Italy, Austria, Switzerland or France? Or are you planning to stay in the United States to hit the slopes in Breckenridge, Vail, or Palisades? No matter where you’re headed for wintry fun, it helps to always be prepared for the unexpected when skiing and snowboarding. A travel protection plan that includes ski trip insurance coverage for Europe, the US, or any other snowy destination can help protect your adventure. Travel insurance benefits for skiing may help with everything from stolen ski gear to unexpected medical expenses.
Why should I consider travel insurance for my ski trip?
Unexpected issues can mess up even the most carefully planned ski trips. For example, those seeking fresh powder flock to Japan each winter to hit the slopes, but what happens if a blizzard hits and puts a halt to your fun? A travel protection plan that includes ski insurance coverage for Japan may help you bounce back quickly with support for emergencies, delays, and disruptions. Getting evacuated off a snowy mountain in a foreign country is not cheap and with a sport as risky as skiing, travel insurance can be even more important.
Travel insurance and non-insurance services for skiing and snowboarding trips: What may be covered?
Whether you’re on a black diamond at Chamonix Mont Blanc or on the bunny hill in the Dolomites, navigating steep (and even not so steep) terrain can be tricky. It only takes one bad fall or collision to end up with a broken ankle, a dislocated shoulder, or a wrist fracture. Since unexpected situations can happen on the slopes, we’ve designed our travel protection plans to include travel insurance coverage for skiing and snowboarding trips. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen when skiing -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation on or off the slopes -
Baggage & Gear Coverage
Damaged or stolen ski gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from going on your ski trip
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans include adventure travel insurance coverage for skiing, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.
What level of travel insurance coverage do I need for my ski trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even when your main goal is to go skiing, you may want to enjoy other fun winter activities like snowmobiling or snowshoeing. That’s totally fine, because you may be covered for losses resulting from more than 250+ other sports, activities and experiences when you purchase a travel protection plan.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while skiing (cross country/nordic skiing on marked trails, dry slope, heli, on piste or off piste within resort boundaries, power assisted, and snowblading.) Snowboarding (dry slope, heli, and on piste or off piste within resort boundaries) is also included. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan includes everything in the Standard plan, plus even more activities – including more extreme skiing and snowboarding activities such as acrobatics, free-style, jumping, flying, stunting, backcountry/outside of resort boundary/alpine ski touring, by helicopter/snow cat, racing, and skiing and snowboarding in a terrain park within a resort. Skiing with a miniwing (speed riding) is also covered, as is serving as a ski or snowboard instructor or guide (paid or volunteer.) It also has higher limits of coverage for most benefits.
- Epic Plan – This covers everything the Explorer plan covers, plus even more activities – including glacier walking (up to 26,247 feet/8,000 meters) and ice climbing (up to 26,247 feet/8,000 meters). It also has the highest benefit limits of coverage.
- Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes adventure travel insurance coverage for skiing, as well as all of the other activities covered in the Standard Plan.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
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Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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What may not be covered when on your skiing trip?
Save the cocktails for apres-ski. Travel insurance for skiing trips won’t cover you if you’re under the influence of drugs or alcohol. Some other things that aren’t covered include:
- Unattended baggage, ski gear or personal items
- Damage to ski equipment while you’re using it
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Participation in activities not listed in our 250+ sports, activities and experiences
- Ignoring your doctor if they have advised in writing that you are not medically fit to travel
- Traveling or skiing within 100 miles of your home
- Wear and tear from everyday use of sporting equipment. Gear that is in use is not covered.
- Skiing or snowboarding in a competition or for salary/competition
- Pre-existing Conditions. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period and were medically able and not disabled from travel, based on the assessment of a physician, to travel at the time of purchase when you buy the plan. A definition of a pre-existing condition can be found in your plan document.
Top safety tips we recommend for your skiing trips
We’ve had many perfect runs in ski parks around the world. Every once in a while though, things happen. We’ve learned that it helps tremendously to be prepared in those situations – whether you’re skiing in Europe, Japan, Canada or even here in the US. Here’s a few of our personal tips that you may find helpful when planning your next ski trip.
- Always wear a helmet that fits you properly.
- Dress in multiple layers and look for insulated clothing made of moisture-wicking material. You’ll also want to make sure your outerwear is waterproof.
- Take a lesson from a reputable instructor.
- Ski within your skill level. (If you’ve just taken your first lesson, you should probably avoid the black diamonds for a while.)
- Stay on marked trails.
- Don’t drink and ski. Being under the influence of alcohol or drugs increases your chance of being injured – and if you get hurt, you may not be covered by your travel insurance coverage for skiing.
- Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination (additional costs may apply).
- Check with the Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
- Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for skiing and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can skiing and snowboarding be covered under World Nomads Travel Insurance?
Yes, the Standard and Annual plans include travel insurance coverage for losses related to incidents that occur while skiing (cross country/nordic skiing on marked trails, dry slope, heli, on piste or off piste within resort boundaries, power assisted, and snowblading.) Losses related to snowboarding (dry slope, heli, and on piste or off piste within resort boundaries) are also included. The Explorer Plan includes everything in the Standard plan, plus even more activities – including more extreme skiing and snowboarding, including acrobatics, free-style, jumping, flying, stunting, backcountry/outside of resort boundary/alpine ski touring, by helicopter/snow cat, racing, and skiing and snowboarding in a terrain park within a resort. Skiing with a miniwing (speed riding) is also covered, as is serving as a ski or snowboard instructor or guide (paid or volunteer.) If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered on your skiing trip?
If your trip is canceled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable tours that you paid for in advance. If you get hurt when skiing and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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What happens if there’s no snow and I can’t ski on my trip?
We can’t control the weather, but a travel protection plan may help. For example, if you have a travel protection plan that includes ski insurance coverage for your trip to Europe, and your ski resort in the Dolomites closes all or part of its facilities for at least one day due to lack of snow or inclement weather that causes a cessation of services, you may get $250 per incident as a ‘travel inconvenience’ (up to plan limits). You must have purchased the Explorer or Epic plan within the time sensitive period in order to be eligible. Additional terms and conditions apply.
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What happens if the ski slopes close during my trip?
Your travel protection plan from World Nomads may help ease the disappointment. For instance, if you have a travel protection plan that includes ski insurance coverage for your trip to Japan, and at least 50% of the trails or slopes at your ski resort in Niseko are closed for at least eight consecutive hours for various reasons, subject to terms and conditions, you may receive reimbursement for your ski lift ticket. Read your plan for details of this “Trip Interruption” benefit available on the Explorer and Epic Plans.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes adventure travel insurance coverage for skiing online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for skiing, you’ll need to purchase your plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for skiing overseas?
Yes, some of the best places to ski are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have a travel protection plan that includes travel insurance coverage for your skiing trip in Europe, you could have the opportunity to hit the slopes in Chamonix or the Dolomites. If you have travel insurance coverage for your skiing trip in Canada, you could ski in Whistler or Banff. When you get a quote for a travel protection plan that includes adventure sports insurance coverage for your skiing trip, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while skiing?
If you get hurt while skiing, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for skiing, you could be covered for more than 250+ other sports, activities and experiences. Things like snowmobiling and snowshoeing may be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase travel insurance coverage for skiing trips, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for your next ski trip?
While there are great places to ski here in the United States, there’s an abundance of great places around the world to also check out. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
Five Great Ways to Experience Germany in Winter
Skiing in Japan: The Best Resorts to Check Out Now
Four Reasons to Visit Turkey in Winter
Bluebird Colorado: A Local’s Guide to Skiing in the Rockies
Austria Essential Skiing and Snow Tips
Four Winter Wilderness Adventures in Central and Eastern Canada
20251014-4898509. TThis is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamCompare Travel Insurance Coverage
Choose a plan to suit your needs.
- As featured in:
As featured in:
Compare Plans
World Nomads offers two plans - Standard and Explorer - offering different benefits, limits and sub-limits of coverage.
- All
Standard Plan
Covers the essentials Everyday travel insuranceSuitable for?
Smart travellers seeking essential cover
Cancelling Your Trip
€4,000
Cutting Short your Trip
€3,500
Emergency Medical Expenses and Medical Repatriation
€5,000,000
Personal Baggage
€1,500
Baggage Delay (after 24 hours)
€125
Delay (per 12 hours / max.)
Not covered
Missed Departure and Connections Outside of your Country of Residence
Not covered
Missed Departure from your Country of Residence
Not covered
Additional Transport Costs
Not covered
Explorer Plan
Higher benefit limits More insured events including travel delaySuitable for?
Travellers after higher limits & extra benefits
Cancelling Your Trip
€10,000
Cutting Short your Trip
€6,000
Emergency Medical Expenses and Medical Repatriation
€10,000,000
Personal Baggage
€3,000
Baggage Delay (after 24 hours)
€250
Delay (per 12 hours / max.)
€50 / €200
Missed Departure and Connections Outside of your Country of Residence
€1,000
Missed Departure from your Country of Residence
€1,500
Additional Transport Costs
€1,000
Additional services included at no extra cost:
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamGot questions?
We've got the answers
Here are our frequently asked questions regarding travel insurance. You can also visit our help centre for more FAQs.
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Do you cover adventure sports and activities
Yes - our travel insurance plans offer cover for more than 150 adventure sports and activities.
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Am I covered if I need to see a dentist while overseas?
Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.
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Do you need to include stopovers as a destination when buying travel insurance?
While there may be many reasons to buy travel insurance to help protect you for unforeseen events such as trip cancellation, injuries, overseas medical or dental emergencies, or baggage cover, you don’t need to purchase any extra travel insurance if you are making a quick stop-over in a country and not planning to leave the airport.
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Can I buy travel insurance if I'm already overseas?
Yes - If you're a resident of Belgium, Denmark, Germany or the Netherlands then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,
Need help?
Contact us for any queries you have about buying travel insurance, your policy, making a claim and emergency medical assistance.
Emergency Medical Assistance
For policies purchased on or after 27 June 2024:
worldnomads.clmsbe@collinsoninsurance.com
worldnomads.clmsdk@collinsoninsurance.com
worldnomads.clmsde@collinsoninsurance.com
worldnomads.clmsnl@collinsoninsurance.com
For policies purchased before 27 June 2024:
Policy and Claim
From anywhere in the world, charges apply:
Policy
Claim
Belgium
worldnomads.clmsbe@collinsoninsurance.com
Denmark
worldnomads.clmsdk@collinsoninsurance.com
Germany
worldnomads.clmsde@collinsoninsurance.com
Netherlands
