Winter Sports Travel Insurance

What is winter sports travel insurance?

Winter sports cover applies to a wide range of cold-weather activities, from skiing and snowboarding to snowmobiling and ice skating. Whether you’re hitting the slopes or exploring snowy trails, this specialised insurance is designed to protect you from the specific risks associated with winter sports.

Why do I need insurance for winter sports?

Taking part in winter sports increases your risk of injury, loss or damage to valuable gear, and trip interruptions due to weather or injury. Standard travel insurance usually won’t cover these scenarios. With winter sports cover, you can enjoy your holiday knowing you’re protected if something goes wrong.

Why choose us?

• Specialist cover for skiing, snowboarding and other winter sports
• Options for individuals, couples, families, and group trips
• Flexible policy durations to match your travel plans
• No hidden exclusions – just clear, comprehensive protection

What does winter sports insurance cover?

Our policies include emergency medical treatment and hospitalisation, repatriation if you're injured, personal accident cover, and equipment protection. You’ll also be covered for lost lift passes, avalanche delays, and piste closures, as well as trip cancellation or curtailment.

Does regular travel insurance include winter sports?

No – most standard policies exclude winter sports. If you plan to ski, snowboard, or take part in similar activities, you’ll need to upgrade to a policy that specifically includes winter sports.

Can I get cover if I have a pre-existing medical condition?

In many cases, yes. You’ll need to declare your condition when you get a quote. We’ll let you know if extra terms apply and whether cover is available.

Is there an age limit for winter sports insurance?

Most providers offer cover up to age 70. If you’re in good health and regularly active, you’ll likely still be eligible – but always check your policy’s specific age limits.

Top destinations for winter sports holidays

• France – Chamonix, Val d’Isère, and the Three Valleys
• Switzerland – Zermatt, St. Moritz, and Verbier
• Canada – Whistler Blackcomb and Banff
• Japan – Niseko and Hakuba offer deep powder and beautiful views
• USA – Top resorts in Colorado, Utah, and California

What to bring on a winter sports trip

• Ski or snowboard gear, packed securely in protective cases
• Thermals, waterproof clothing, and insulated gloves
• Helmets, goggles, and any other safety gear
• Lift pass, ID, and insurance documents
• First aid essentials, lip balm, and sun protection

Common winter sports injuries and how cover helps

Even experienced skiers and snowboarders can be caught out. Common injuries include:

• Fractures, sprains, and dislocations from falls or collisions
• Back or knee injuries from hard landings
• Frostbite or hypothermia in extreme weather
• Accidental injuries to others on or off the piste

Insurance helps with hospital treatment, return transport, and compensation for missed activities.

Tips for staying safe on the slopes

• Stick to marked trails and obey all slope signage
• Use appropriate safety equipment and check it regularly
• Warm up before you start, and rest when needed
• Check avalanche risk levels and avoid closed pistes
• Stay hydrated and protect yourself from sun and wind