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Travel insurance when skiing or participating in winter sports

Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while traveling and claim online from anywhere in the world

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Why consider travel insurance when skiing or snowboarding?

Big dumps, fresh tracks and bluebird days will make for an epic trip, yet accidents on and off the hill do happen, even to the most experienced sliders. If you’re just learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance may be able to help you and your family when the unexpected hits your next winter adventure.

Do I need ski insurance?

Thousands of sports enthusiasts tackle the slopes every season, usually without any major incident. But adventure sports can be risky, especially when frosty temperatures and spine-rattling runs are part of the picture.

If your next vacation includes time on the slopes, you could find yourself needing help for anything from emergency medical care to an emergency evacuation or repatriation back home. Here are a few case scenarios where travel insurance for skiing and snowboarding could be a real asset. Just remember these are example scenarios only. All claims require documentation and will be reviewed on a case-by-case basis.

You could get into an accident

Whether you’re on- or off-piste, 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. Emergency medical bills can be just as painful as a crash. This is where travel insurance can soften the blow.

You need to get to a hospital from far, far away

When you get hurt on a mountain, getting transportation to a hospital can be critical. Our 24/7 Emergency Assistance Team can help plan your evacuation so that it’s timely and efficient. And thanks to travel insurance, it doesn’t have to cost an arm and a leg.

Your equipment could get lost or stolen

If your skis or snowboard have been lost or damaged by your common carrier, or stolen after your arrival, you could get reimbursed for the current value of your equipment (which factors in depreciation) or the cost of a replacement, up to a per item and total maximum limit. (Damage from the use of sports equipment is not covered.)

Bad weather can cause delays (and destruction)

Maybe an avalanche buried your lodge or a snowstorm delayed your connecting flight. Our plans cover inclement weather under certain circumstances. Read more on how weather, including natural disasters, figure into trip cancellation, trip interruption, and trip delay coverage.

You wouldn’t forget to pack your ski jacket and gloves – so why would you leave home without travel insurance?

What's covered for ski and snowboard travel insurance?

World Nomads travel insurance is designed to help your explore your boundaries. We automatically provide coverage for more than 200 activities on and off the slopes.

As passionate ski bums, we’ve designed our plans to cover the style of riding our Nomads love the most*:

  • Skiing and boarding within resorts
  • Cross country skiing on marked trails
  • Terrain parks
  • Heli-skiing & heli-boarding (Explorer plan only, check yours carefully)
  • Snowmobiling, ice skating, snow rafting, and more

Coverage is available for international trips or for domestic trips more than 100 miles from home.

*Standard and Explorer plans differ in their coverage of skiing or snowboarding activities. Conditions and exclusions apply. Read our Help Center article on adventure sports coverage to choose the right plan for your trip.

What's not covered for ski and snowboard travel insurance? 

  • Sporting equipment damaged from use
  • Participation in a race or competition as a professional athlete
  • Delayed baggage on the way home from your trip

For more information on skiing and snowboarding coverage, go to our Help Center.

This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your 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. If you have any questions about what is and is not covered, please reach out – we’re happy to help. 

Get a quote

Ready to hit the slopes? When you get a quote you can compare our Standard and Explorer plans and decide which one might best suit your needs. Still not sure? Get in touch and we can help you decide which travel insurance is best for your next snow adventure.

We cover 200+ activities you love

Snow 26 activities
Water 47 activities
Air 18 activities
Land 61 activities
Sports 80 activities
Experience 40 activities
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Blue activities are included in the Standard Plan. Orange and blue activites are included in the Explorer Plan.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Has an avalanche closed the road to the resort?
  • Has a snow storm canceled your flight?
  • Are you or a close relative seriously sick?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Slipped on ice?
  • Tore your ACL or MCL?
  • Crashed in the terrain park?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Road or air ambulance?
  • Flight assistance?
  • Medevac needed home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Go Pro or laptop stolen?
  • Skis or board damaged by the airlines?
  • Luggage lost or delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team


Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team

  • What should I do if I get injured on the mountain?
    Contact ski patrol to get immediate local assistance if you’re on the slopes. If you’re already in the village, contact the 24/7Emergency Assistance team so they can direct you to the nearest medical facility, and help arrange treatment or emergency evacuation, if required.
  • Will you cover me if the resorts are closed because of lack of snow?
    In most instances, this is a case scenario that’s not covered by the plan. Travel insurance doesn’t protect you from the loss of enjoyment. However, if your lodging is uninhabitable because of a natural disaster, you could qualify for trip cancellation or trip interruption coverage.

Travel insurance. Simple & flexible.

Travel insurance for independent travelers. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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