Travel Insurance for Skiing and snowboarding

We're big fans of the most addictive of the white powders, but Skiing and Snowboarding can be risky and injuries are common, even for the most experienced riders. So travel insurance is essential for your next winter adventure.

Get a travel insurance quote

Trusted by:

Lonely Planet Rough Guides National Geographic Channel

Is Skiing and Snowboarding Covered?

We see a great many Skiing & Snowboarding medical claims and as pretty as the white stuff looks, it can be dangerous so let's be careful out there.

Cover for Skiing and Snowboarding is only covered on some plans or as an option, so read the policy wording carefully and choose the right plan or adventure sport option before you hit the slopes.

Top questions about Skiing & Snowboarding

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

    There is cover for emergency medical treatment and any air evacuation or road ambulance transport to get you to the nearest suitable medical facility, 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, then most of the time you won't be covered.

  2. Is my gear covered?

    Your winter sports equipment isn’t covered while you’re using it, nor if you simply forget it or leave it anywhere where the general public has constant 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.

  3. 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.

  4. Am I covered in any ski resort anywhere?

    Yes, as long as it is open and safe.

  5. 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.

    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 these safe areas and keep within your ability, then we're here to help if you do 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 won't 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 isn’t covered?

You are not covered where you:

  • willfully expose yourself to a needless risk like cliff drops or taking on the double black diamond run after your first ever day on the slopes.
  • are intoxicated or have taken illegal drugs where your ability and decision making is probably compromised.
  • are skiing or boarding in the backcountry or in areas out of bounds of the ski resort, unless specifically covered under the policy you buy.
  • are extreme skiing or snowboarding including freestyle and acrobatics.
  • choose a plan which doesn't include cover for snowsports.
  • are in a race or competition.

All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.

If you have questions about what's covered and not covered, just ask us.