We ski, we board, we sometimes crash!

Am I covered for Skiing and snowboarding?

Skiing and snowboarding can be risky and injuries are common, even for the most experienced riders. So its vital to consider purchasing travel insurance for your next winter adventure.

Check the list of covered adventure sports and activities and read the full description of cover (your policy wording) before you hit the slopes. Not all of our plans automatically include cover if you’re in an accident on the hill, so you may need to pay more to have cover included.

If you have questions when trying to decide which plan you’ll need, just ask us!

Where can I ski or board?

In general, cover is available for recreational skiing or snowboarding on piste and in areas designated 'safe' by ski resort staff within the resort’s boundaries.

Some plans also cover off-piste skiing and snowboarding, provided it is not done in restricted or unsafe areas. If you're thinking of more extreme skiing it's important to check with us and read the policy wording carefully because some of our insurers can't offer cover - they find it very difficult to verify the individual's ability and level of risk.

So what does safe mean?

Ski resorts are often held liable for all winter sports activities within their boundaries and so they take time to make sure the runs are safe, the instructors are qualified and any dangerous conditions like heavy snow, ice, and avalanche risks are properly managed or marked as closed or out of bounds. If you stay within the areas defined as safe by the resort and stick to the runs & trails that you can use safely then your insurance can help if you have an accident.

Even if you’re with a guide or you’re an experienced backcountry skier, if you go into closed areas or outside the resort boundaries, our insurers may decide you’ve put yourself at needless risk and it’s likely you wont be covered. We offer general travel insurance for adventurous travellers, not search and rescue cover, so there's no cover to come look for you in the wilderness.

What is covered?

To be covered for skiing & snowboarding, make sure you choose the correct plan and / or adventure sport upgrade when you buy your policy. You may need to pay more for cover to be included, but if you do not to pay more when you should have, you will not be covered.

If your policy includes skiing & snowboarding, there is cover for emergency medical treatment undertaken by qualified resort staff and any air evacuation or road ambulance transport to get you to the nearest suitable medical facility (subject to our Emergency Assistance Team’s approval.

Your skiing & snowboarding equipment isn’t covered while you’re using it, but it may be covered if stolen from an official resort storage (where you’ve checked it in, kept the receipt and have a police report within 24 hours of it being stolen). Your gear won't be covered if you simply forget it or leave it anywhere where the general public has access or where items can be taken without your knowledge, including ski racks or roof racks (secured or not), unattended while you get lunch or in resort lockers in public areas.

Again, our insurers have different terms of cover, dependent on which country you are from, so check out the policy conditions carefully to make sure that the cover is right for you and your particular winter sporting adventure. If you're not sure just call us or drop us an e-mail and we'll come straight back to you!

Be sensible guys. Skiing causes a lot of medical claims and as pretty as the white stuff looks, it can be dangerous so let's be careful out there.

What isn’t covered?

Even if you have paid an extra premium, you are not covered where you are:

  • Wilfully exposing yourself to a needless risk like cliff drops or taking on the double black diamond run after your first ever day on the slopes.
  • Intoxicated or have taken illegal drugs as your ability and decision making is probably compromised.
  • Backcountry or any areas out of bounds of the ski resort, unless specifically covered under the policy you buy.
  • Extreme skiing or snowboarding e.g freestyle skiing, aerial activities, dangerous terrain.
  • If you’re in a race or competition.
  • Injured while working as you should be covered by your employer.

Top 5 snow questions

Not all of our plans automatically include cover if you’re in an accident on the hill, so you may need to pay more to have cover included.

1. If I break my leg on the mountain and need to be brought down, am I covered?

Yes, as long as the accident occurred within the boundaries and safe areas of a ski resort. If you're planning to go outside of resort boundaries you'll have to check your policy wording to be sure that there is cover as our insurers have different restrictions on this. Most of the time, you won't be covered.

2. If I wipe-out and break my new skis are they covered?

No, ski equipment isn't covered while you are using it.

3. What happens if someone steals my gear?

As long as you have taken proper care of it in the first place, you are probably covered. Our insurers take different views on this type of incident. Please check your policy wording for all of the details and to make sure the cover is right for you.

4. Am I covered while I am learning to ski?

Yes, as long as you are within the boundaries of the resort and are being sensible.

5. Am I covered in any ski resort anywhere?

Yes, as long as it is open and safe. And let us know if you find a really unusual one.

World Nomads is supported by different insurers from around the world. Always read your policy wording to review your specific coverage and to make sure that the policy is right for you.