Off-Piste Skiing (Without a Guide) Travel Insurance

What is off-piste skiing without a guide?

Off-piste skiing without a guide means heading into unmarked, ungroomed terrain beyond resort boundaries on your own. While it offers freedom and challenge, it also increases the risk of avalanche, poor visibility, and getting lost—so it’s only suitable for advanced skiers with experience in mountain navigation and snow safety.

Do I need travel insurance for off-piste skiing without a guide?

Yes. Skiing without a guide increases your exposure to injury, rescue situations, and unpredictable conditions. Travel insurance can help cover emergency medical treatment, evacuation costs, and damage or loss of ski equipment.

Why choose us?

• Specialist cover for off-piste skiing without a guide
• Flexible policies for solo skiers or group expeditions
• Options for experienced skiers tackling remote terrain
• Clear and transparent cover with no hidden exclusions

What’s included in off-piste skiing insurance?

Our cover includes emergency medical care, repatriation, personal accident benefits, ski equipment protection, and cancellation cover. Please note that personal liability is not included for off-piste skiing without a guide.

Does standard travel insurance cover off-piste skiing without a guide?

No. Most basic travel insurance policies exclude unguided off-piste skiing. You’ll need specialist cover to make sure you're properly protected.

Can I get cover with a medical condition?

Possibly. Declare your medical history during the quote process, and we’ll show you what options are available.

Is there a maximum age for this cover?

Many insurers offer cover up to age 70, but this can vary. If you’re healthy and active, you may still be eligible—check individual policy terms for full details.

Top destinations for off-piste skiing without a guide

• France – Remote backcountry zones across the Alps
• Switzerland – Popular with seasoned skiers for deep, untouched powder
• Canada – Huge terrain options for self-guided exploration
• Japan – Dry, light powder and less crowded backcountry
• New Zealand – Offers varied terrain and dramatic scenery

What to pack for unguided off-piste skiing

• Skis, poles, and boots suited for backcountry conditions
• Avalanche safety gear – transceiver, shovel, and probe
• Layered clothing for extreme cold and weather changes
• Navigation tools – GPS, map, or compass
• First aid kit, food, water, and emergency supplies
• ID and insurance documents

Common risks and how insurance helps

Off-piste skiing without a guide carries a higher risk of serious incidents, such as:

• Fractures or knee injuries from difficult terrain
• Head injuries—even with a helmet
• Hypothermia or frostbite in remote areas
• Rescue situations caused by avalanche or getting lost

Insurance helps with medical treatment, transport, and refunds for missed travel arrangements.

Tips for staying safe

• Never ski off-piste alone—go with a partner
• Carry avalanche safety gear and know how to use it
• Check avalanche warnings before each outing
• Stay within your skill level and know your limits
• Let someone know your planned route before setting off