Whether it's single trip or an annual policy, ski travel insurance is absolutely essential if you're heading to the mountains.

Skiing or snowboarding can be exhilarating, but accidents and injuries can and do happen, so it makes sense to be prepared. Relevant and adequate winter sports insurance cover is invaluable if you're caught out with unexpected medical or travel costs.

Before purchasing an insurance policy consider what other activities you might be taking part in during your holiday. Tobogganingdog sledgingparapenting and ice skating can all be part of a family winter holiday, so if you think you might be taking part, it's wise to check that your policy has you covered.

There are also a range of policy options depending on the type of skiing you intend to do. If you are doing a lot of off-piste or back-country skiing you will need different cover compared to sticking firmly to the pistes. There are plenty of different options out there, so ask your friends for advice, do your research online, and if in doubt ask specific questions before you make your decision. For instance, some insurers now insist that you wear a helmet.

Ski Insurance tips 

  • Note down your travel policy number and have it on your person. For example, note it in your phone and also make sure a family member or friend on your trip has it too. 
  • Be aware of local mountain rules. Insurers have the right to withdraw cover if these aren't followed. 
  • If you purchase an annual cover, check the limit on the winter sports cover. Some policies might restrict to a certain amount of days. 
  • Insurers can withdraw their cover if you are under the influence on the mountain. So be careful if you are drinking on the mountain 
  • Take your European Health Insurance Card (EHIC) on holiday. This doesn't replace your insurance cover but most policies ask you to have it on your person. To apply for a card click here.

It is a sensible choice to take out winter sports insurance because of the risk involved in these types of holidays. It will also give you a good peace of mind whilst you're on the mountain that you have the right cover if an accident does occur. 

The Ski Club of Great Britain has developed travel insurance specifically tailored to skiers and snowboarders, covering off-piste skiing without a guide, and many other winter sports.


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