winter sports travel insurance over 70

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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Why Get Adventure Sports Travel Insurance?

Travel insurance often excludes high-risk sports, credit card travel insurance often excludes high-risk activities, travel insurance for high-risk sports, how to get travel insurance for high-risk sports, what sports travel insurance costs, how to choose travel insurance for high-risk sports, the best sports travel insurance plans, final thoughts.

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Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports. 

Whether diving the ocean’s depths or ziplining through a forest, sports travel insurance can help you go confidently on adventures knowing you’re covered if anything goes wrong. Whether you need emergency assistance and evacuation or a reimbursement for a trip cut short by injury, travel insurance with sports coverage can help.

While standard travel insurance typically offers medical coverage, most policies exclude certain activities, particularly risky sports. But you can purchase a travel insurance policy that provides coverage for all your adventures , either as a stand-alone policy or an add-on to a comprehensive travel insurance package.

Let’s explore everything you need to know about travel insurance for sports and adventure activities and how to get that coverage for any high-risk activities you may plan for your travels.

Adventure sports travel insurance covers activities such as mountain climbing or deep-sea scuba diving (i.e. any activity that has a higher risk level than a “regular” travel activity).

While accidents can happen anywhere, you’re particularly vulnerable when away from home. Medical expenses and evacuation can be costly , especially if traveling to remote areas or a foreign country where you’re unsure about quality medical care. Sports travel insurance covers emergency medical expenses, ambulance services, and evacuation.

Some travel insurance companies offer emergency assistance services , which can help you get the medical care you need in a remote location or challenging environment. The travel insurance company can provide access to medical professionals, coordinate your care, and arrange an emergency evacuation if needed.

For example, if you’re climbing a mountain and break a leg, adventure sports travel insurance can help get you off the mountain and connected with medical care.

Adventure sports travel insurance can also help if a sports-related injury requires you to cancel or interrupt your trip or if you experience equipment loss or damage. That can save you money on non-refundable expenses and help you replace sports equipment.

While getting travel insurance is wise, you should understand that standard travel insurance policies may not include coverage for certain sports activities . Some travel insurance plans offer coverage for sports-related injuries and accidents, but others may have exclusions or limitations for high-risk or extreme sports.

When you purchase a travel insurance policy, review the terms and conditions to know which sports and activities are covered and any exclusions or limitations you may need to work with. Usually, travel insurance medical coverage encompasses unexpected accidents or injuries, which can include some sports like hiking or snorkeling, for example. But extreme or high-risk sports such as white water rafting or skydiving may not be included.

Exclusions depend on the insurance policy, but here are some examples of sports and activities that your standard travel insurance policy may not cover:

• Base jumping
• Bungee jumping
• Martial arts and combat sports
• Motor racing and motorsports
• Mountaineering and rock climbing
• Off-piste skiing and snowboarding
• Paragliding and hang gliding
• Scuba diving and deep-sea diving

If you find your travel policy lacking in coverage for the activities you’ve planned, you should consider getting additional coverage, such as a specialized sports travel insurance policy or add-on coverage.

Don’t expect your credit card travel insurance to cover extreme sports. 

While you should read the terms and conditions of the policy, most credit card travel insurance policies exclude risky activities , which extends to sports considered extreme. 

Credit card travel insurance often covers basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents. For example, the Chase Sapphire Reserve ® has premium travel insurance, offering up to $1 million in travel accident insurance, along with emergency evacuation and transportation insurance, emergency medical and dental benefits, and other travel insurance benefits.

If you plan to do high-risk activities and use credit card travel insurance, check your coverage and consider upgrading your travel insurance to include your desired activities.

Credit card travel insurance is helpful but sometimes limited, especially compared to adventure sports travel insurance policies. You may need to pay for travel insurance if you’re planning extreme sports or activities.

As you plan an adventurous trip, consider which travel insurance coverage may be most appropriate for your plans. Some travel insurance policies are comprehensive and cover multiple types of high-risk sports, while others are more specialized. 

Because there’s a wide variety of what’s covered (or not) on each policy, using a travel insurance comparison service such as Squaremouth can be helpful. You can search for travel insurance policies that cover the activities you’re looking for and compare costs and coverage.

Consider these types of adventure travel insurance policies or add-ons:

• Adventure Sports: On an adventure sports travel insurance policy, look for covered activities such as hiking, mountaineering, or rafting. The policy may encompass injuries, medical expenses, trip cancellations or interruptions, and equipment loss or damage.
• Extreme Sports: Travel insurance for extreme sports typically covers skydiving, bungee jumping, or rock climbing, providing coverage for accidents, injuries, medical expenses, and emergency evacuation.
• Sports Equipment: Some travel insurance offers coverage for sports equipment, which can reimburse you for loss, theft, or damage to your gear.
• Team Sports: A travel insurance policy may cover team-related expenses, such as tournament cancellations or travel delays if you travel for competitive events.
• Water Sports: Water sports travel insurance policies may cover surfing, diving, snorkeling, or water skiing. For diving coverage, you should verify that the policy covers the depths you’re planning and whether you need certifications for coverage.
• Winter Sports: Winter sports travel insurance policies are designed for winter sports enthusiasts, offering coverage for skiing or snowboarding-related injuries and emergency medical expenses or equipment loss or damage. Some also cover ski resort closures.

While you can get travel insurance for sports, including high-risk sports, most travel insurance companies have personal liability requirements . Generally, you’re required to act responsibly to use your coverage. That includes not going against local authority warnings, like entering restricted spaces, working close to dangerous animals, or not using proper safety equipment.

Do some pre-trip planning on your chosen activities to learn about the risks and requirements for everything you want to do. You may need to complete certifications or training to participate safely.

Generally, if you want travel insurance for adventurous activities, you should get quotes for a comprehensive travel insurance plan and add a hazardous sports rider. Or specialized insurance providers may offer comprehensive plans for high-risk sports and activities.

Looking for insurance companies specializing in adventure sports is often a good idea to get comprehensive coverage for all your planned activities. 

With any travel insurance policy, you should review the terms and conditions to verify your planned activities are covered. Read your policy documents for exclusions, limitations, or requirements for your chosen activities. You should also verify your coverage limits. 

If you have a health or life insurance policy, check with your insurance carrier about coverage for high-risk sports during travel. While these are likely not covered, you may be able to add a special endorsement to your policy.

Travel insurance that can evacuate you off a mountain sounds like it would be costly, but it might be more affordable than you’d think. It’s certainly less expensive than calling for your own rescue helicopter.

You should expect to pay around 5% to 10% of your total trip cost for sports travel insurance. Your actual adventure sports travel insurance costs will vary depending on your age, trip cost and duration, location, planned activities, and other factors. 

To give you an idea of what you should expect, we got a quote from IMG for an iTravelInsured Travel Sport policy. For a 29-year-old traveler on a $1,500 5-day skiing trip in the U.S., coverage costs $119.65 . 

This policy includes $1 million in medical evacuation coverage and $50,000 in search and rescue coverage. You’re covered for up to $50,000 for medical expenses due to adventure or organized sports, though hazardous and extreme sports are limited to $5,000.

Consider these factors as you compare high-risk sports travel insurance coverage:

• Claims Process and Customer Support: Get the details on what happens if you need emergency assistance or want to file a claim. For example, find out how to get medical attention if injured in a remote area and whether you’re expected to pay upfront and file for reimbursement.
• Cost: Expect adventure travel insurance to cost more than standard travel insurance. Cheaper policies tend to offer less comprehensive coverage, so consider your needs as you balance cost and coverage.
• Duration: Some sports travel insurance policies limit the length of coverage for certain activities, so make sure you have coverage for your whole trip.
• Emergency Assistance and Evacuation: You may engage in high-risk activities in remote locations or challenging environments where medical attention is unavailable immediately. A travel insurance policy can offer emergency assistance or evacuation for medical care.
• Exclusions, Limitations, and Deductibles: Every policy has limits — even extreme policies. Find out what’s excluded, the limits of what you can claim, and if you’re expected to pay a deductible before getting reimbursed. Also, understand the terms and conditions, such as duration and geographical coverage.
• Medical Coverage: With a greater risk of injuries from extreme sports, you should ensure that the insurance policy has adequate coverage for medical emergencies, including hospitalization, ambulance services, and, if needed, medical evacuation.
• Requirements: You may need to meet age limits and disclose any preexisting medical conditions to get appropriate sports travel insurance coverage.
• Reviews: Consider customer reviews and ratings, which can give insight into a travel insurance provider’s coverage quality, customer service, and claims handling.
• Sports Coverage: Find out which sports and activities are covered so you can verify yours are covered.
• Sports Equipment Coverage: If you’re traveling with costly sports equipment such as scuba gear or snowboarding equipment, compare coverage for loss, theft, or damage to your equipment.
• Trip Cancellation and Interruption: A travel insurance policy should cover trip cancellation or interruption due to sports-related injuries.

Your high-risk sports travel insurance may require you to participate responsibly. For example, terms of coverage may require you to choose reputable operators, obtain proper training or certifications, follow local regulations, and use appropriate safety gear.

Not all travel insurance providers offer sports travel insurance, but you have options. Compare these leading travel insurance policies for sports:

• battleface : battleface’s adventure sports coverage includes cycling, mountain climbing, scuba diving, canoeing, snowboarding, and more, but it has limitations, including how deep you can dive or how high you can climb.
• Cat 70 : Cat 70’s Travel Plan covers some adventure sports, including snowboarding, but excludes bodily contact sports, skydiving, scuba diving, and more.
• HTH Worldwide : The HTH Worldwide Trip Protector Preferred plan offers coverage for adventure sports, including certified divers up to 60 feet and water rafting grades 1 to 3.
• IMG : IMG’s iTravelInsured Travel Sport plan has a wide range of covered activities, including adventure, extreme, hazardous, and organized sports. However, there are exclusions for races, endurance competitions, and piloting or learning to pilot.
• John Hancock : You’re covered for some — but not all — adventure sports with a John Hancock Gold travel insurance plan. Some exclusions include diving deeper than 100 feet, participating in sports competitions, or contact sports.
• Nationwide : With a Prime plan, you can get covered for adventure sports such as cycling, fishing, rafting, and zip lining, but exclusions apply, such as extreme sports, mountaineering, and organized sports.
• Travelex : The Travelex Adventure Sports upgrade covers professional athletic events, mountain climbing, skydiving, and more. Travelex’s Travel Basic and Travel Select plans provide basic coverage for some activities, including skiing, snorkeling, and scuba diving up to 60 feet.
• World Nomads : With the World Nomads Explorer plan, you can get covered for more than 200 activities, including scuba diving, bungee jumping, and mountain biking.

The right travel insurance coverage is essential when embarking on an adventurous trip with high-risk sports or activities. Adventure sports travel insurance can coordinate medical care, offer evacuation, and save you thousands if you’re injured on a trip. Whether bungee jumping or scuba diving, sports travel insurance can provide peace of mind while you’re chasing thrills.

Frequently Asked Questions

Are adventure sports covered by travel insurance.

Adventure sports can be covered by travel insurance, but extreme sports are usually excluded from standard travel insurance coverage. Review your policy’s terms and conditions to determine whether your desired activities are covered. If not, you may want to purchase additional coverage appropriate for the activities you’re planning for your travel.

Does travel insurance cover water sports?

Travel insurance coverage for water sports varies depending on the policy and provider. For example, your standard policy may cover snorkeling, shallow diving, and surfing but could exclude deep-sea diving or white water rafting.

Does travel insurance cover sports injuries?

Travel insurance often covers sports injuries, but it depends on the sport. If you’re injured doing a sport not covered by your policy — such as ziplining or skydiving — medical care for your sports injury will not be covered. 

What travel insurance includes cover for sports equipment?

Sports travel insurance typically offers coverage for sports equipment, which can reimburse you for loss, theft, or damage of your sports equipment while traveling.

What travel insurance company covers me for extreme sports?

Several travel insurance companies cover extreme sports, including battleface, Cat 70, HTH Worldwide, IMG, John Hancock, Nationwide , Travelex, and World Nomads.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Get Ski Travel Insurance

Wander More. Worry Less.

If you're brave enough to take on a black diamond, or maybe vacationing with kids just starting out on the bunny slope, chances are you could use ski insurance. Travel insurance for your ski trip can cover injuries on the slopes and during your vacation and is designed to help with winter travel mishaps like flight delays, cancellations, illness and more.*

What winter sports are covered?

Our travel insurance plans can cover winter sports on your trip, such as skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more. You can also choose a plan designed to cover your sporting equipment if it gets damaged, lost, stolen or delayed. Just be sure that the purpose of your trip is not to participate in any organized amateur sports, professional athletic competitions or sporting events, as those are not covered by our plans.*

What can wreck a ski trip and how travel insurance can help

• Injury & Illness
• Equipment Issues

Winter Travel Chaos Each year winter storms cause cancellations and delays across the country, wrecking travel plans. If you’re forced to cancel or interrupt your trip, how much of that prepaid trip cost could you get back? Travel insurance can help you recoup losses for 20 different covered events that could cause you to cancel your travel plans. Pre-purchased lift tickets can even be covered.

Travel Delays Your flight is delayed for who knows how long in a winter blizzard. You need to decide whether to get a hotel, what necessities you'll need to buy, where to get dinner... Don't worry—Travel Delay coverage is included with every Generali travel insurance plan, so you can be reimbursed for reasonable out-of-pocket expenses, such as hotel accommodations, meals and transportation if you are delayed during your trip.*

Emergency Medical Accidents happen. Even to the most experienced skiers. Our travel insurance plans can help you with a wide range of medical needs while you’re traveling. Whether it’s a case of utilizing our emergency assistance services to see a local doctor for a prescription refill, filing a Medical and Dental claim after a visit to the emergency room because you slipped on ice during your trip, or the rare need to use the Emergency Assistance and Transportation coverage for medical evacuation by air ambulance, we’re there for you 24/7/365. 

Flu Season Last winter was one of the most severe flu seasons in recent memory. If your trip is canceled or interrupted for certain medical reasons, trip insurance can help you get reimbursed for non-refundable, pre-paid trip costs that weren't used and additional transportation costs to return home or rejoin your group on the slopes.

Medical Evacuation Get up to $1 Million in Emergency Assistance and Transportation coverage — crucial for the slopes. More than 220,000 people a year are treated for winter sports injuries in the U.S. 1  Medical evacuation from a ski resort or even from the mountain could require a helicopter, which is not cheap.*

Lost, Damaged or Delayed Sporting Equipment Flying with skis, a snowboard or other equipment? Travel insurance is one of the best ways to help protect your gear. Our  Preferred and Premium plans  include coverages especially helpful if your equipment is damaged, lost, stolen or delayed on your trip. And, you can get reimbursed for your rentals while your equipment is lost. INFO: Airlines worldwide lose or misplace more than 22 million bags a year. The property that was returned took an average of 1.76 days to get back to their owners.² How long could you go without your gear on a ski trip?

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Frequently asked questions.

If you lose your job and cancel your trip as a result, you could be reimbursed for your prepaid, nonrefundable, trip costs. Some requirements must be met.

Our plans don't include Trip Cancellation coverage for work obligations that cause you to cancel your trip, except in the case of unexpected active military duty due to a natural disaster or military leave being revoked. If you want travel insurance that can cover for this reason, consider purchasing our Premium plan and adding Trip Cancellation for Any Reason coverage . This coverage reimburses you up to 60% of the penalty amount when you cancel your trip for any reason ( requirements apply ).

If you become critically sick or injured during your trip and no suitable local care is available, all of our plans provide coverage for emergency medical evacuation and coverage to reimburse your medical and dental costs. In addition, Trip Interruption coverage can reimburse you for lost trip costs while you're in hospital, including prepaid lift tickets.

This can be extremely helpful if, for example, you have a ski accident on the slopes — it could even require medical transportation by helicopter, which could cost a lot.

Our plans also include 24-hour emergency assistance services that can provide immediate assistance if a traveler becomes seriously ill or injured on their trip.

Our travel insurance plans can cover skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more.

The Premium and Preferred plans include Sporting Equipment and Sporting Equipment Delay coverages that can cover winter sports equipment you might bring on a trip, except motorized equipment, dental wear and eyewear.

If your sporting equipment is damaged, lost or stolen during your trip, Sporting Equipment coverage can reimburse the costs to repair or replace your sporting equipment. The Premium plan covers up to $2,000 and the Preferred plan covers up to $1,500.

Sporting Equipment Delay can reimburse you for the cost of locating your delayed Sporting Equipment and having it returned to you, and the cost of renting equipment in the meantime, up to the coverage limit.

The fine print says: "We will not pay for damage to or loss of boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances." See the DOC/Policy for more details.

Bad weather is always a risk when traveling during the winter. If a winter storm hits, flight cancellations and delays are bound to happen and you may take on some unplanned costs. If this happens, the Trip Interruption coverage included with travel insurance can cover for additional expenses to help get you to your destination and onto the slopes or back home, in addition to reimbursing you for lost trip costs. Travel Delay coverage is also included for certain out-of-pocket costs, such as meals, local transportation or even additional lodging or parking charges.

If a weather event, like a blizzard is foreseeable prior to you purchasing the insurance plan, then travel insurance may not cover it. If the plan is purchased after a storm is named, coverage is not provided for losses resulting from that named storm.

Read more about how travel insurance can help when you travel during the winter

• U.S. Consumer Product Safety Commission
• SITA Baggage Report 2018

*Terms and conditions apply.  See plan details  for more details .

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Ski Insurance

Grab some air and a great deal for your winter break, 5 star travel insurance from admiral, 5 star rated platinum level travel insurance.

Our Platinum level cover has Defaqto's 5 Star rating.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Do I need ski travel insurance?

Adventure sports and winter sports are often not covered by a standard travel policy, so you may need to get specialist cover – like Admiral's Winter Sports Upgrade.

Not only will you get the standard protection against:

• Lost or stolen luggage
• Medical treatment expenses
• Cancellation cover

You're also covered for:

• Lost, stolen or damaged ski equipment
• Piste closure
• Delays caused by avalanche

If you're only planning on skiing once a year, Admiral's single trip cover with the Winter Sports add-on may suit you.

If you want annual ski travel insurance for more than one break in the season, take a look at our annual cover with the Winter Sports add on. This would cover you for every holiday you take in a year, up to 31 days per trip. However, bear in mind you can only do a maximum of 21 days of winter sports throughout the year in total during the policy term .

What's covered by ski travel insurance?

Whether you’re an experienced skier or a nervous beginner, you can enjoy your trip knowing you don’t have to worry about having the right cover in place.

You can choose from three levels of cover to suit your budget and needs:

Is my equipment protected with travel insurance?

Sports equipment isn't often covered by standard travel insurance policies. If you're insured with Admiral, you just need to add our Winter Sports upgrade to your travel insurance to get protection against damage to your own, or hired, equipment.

You'll be covered up to a maximum of £1,000 for your equipment (depending on the level of cover you choose.)

We also pay up to £25 (per complete 24 hours) towards the cost of hiring replacements (up to a maximum £250 per person), if yours is delayed more than 12 hours following your arrival at your destination or is lost, stolen or damaged during your trip.

Our ski and snowboarding insurance upgrade will help you out if an unforeseen slope closure happens during your break (pistes must closed for more than 24 hours) and protects against delays caused by an avalanche (cover limits apply).

What's classed as a winter sport?

Winter sports insurance gives protection for you to enjoy a whole host of activities on your holiday including:

• Piste skiing
• Snowboarding
• Glacier walking/trekking
• Tobogganing

Please check your policy document for a complete list of all activities we cover.

Travel insurance covering off-piste skiing

Our winter sports insurance add-on covers adventurous off-piste skiers and boarders as long as it’s on recognised paths within resort boundaries and accompanied by a qualified guide or instructor.

Ski insurance - Europe

Any skier and snowboarder will know there are incredible resorts to hit the slopes around the world, but in 2018, Europe was hit with unprecedented amounts of snow and saw many popular resorts opening the lifts early. The glacier pistes of Val-d'Isère opened in June.

So if you want to check out what Europe has to offer – and there's a lot – you'll need to select our European Travel Insurance with the Winter Sports add-on. You'll be covered in all the top resorts such as France's Meribel, Val, La Plagne, and Courchevel, Italy's Cervinia and Zermatt in Switzerland to name a few.

Ski insurance - Canada and America

If the powdery slopes of Canada or America are calling you, you'll need worldwide cover , with the winter add on.

Ski insurance - Japan

Our final cover zone is worldwide excluding USA, Canada & Caribbean, so if Japan is taking your fancy – Niseko is often touted as a powder hound's paradise – this option with winter sports insurance added will get you onto the mountains with the right cover in place.

What happens if my skiing or snowboarding holiday is cancelled?

Depending on the level of cover you choose for your ski or snowboarding insurance – Admiral, Admiral Gold or Admiral Platinum – you could get up to £5,000 to cover the costs of your trip, in the unfortunate event of it being cancelled for any of the following reasons:

• Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone outside your home area you planned to stay with
• Court cases and quarantine if you or your travel companion, or anyone outside your home area you planned to stay with, is quarantined, called for jury service or as a witness and a court official refuses to postpone
• Unemployment if you or your travelling companion is made redundant from the company you’ve worked at continuously for at least two years
• Armed forces and emergency services if you or your travel companion has authorised leave cancelled due to an unexpected emergency
• Home damage you or your travel companion have to stay at home if it’s seriously damaged by a fire, storm or flood or is burgled within seven days of your departure
• Passport or visa your passport or visa is stolen in a burglary at your home in the seven days before your departure and you’re unable to get a replacement in time

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

How do I get a quote?

You can call 0333 234 9913 for an Admiral Travel Insurance quote and ask to add on Winter Sports insurance upgrade, or you can buy online and select 'Winter Sports Upgrade'.

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Do you need winter sports insurance for trips to Lapland?

If you plan on taking part in any of the activities listed above, such as husky sledge driving, you will need to add the upgrade onto your Admiral Travel Insurance policy

Are there any age restrictions for ski insurance?

We don’t offer the upgrade to anyone over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Am I covered to ski or board off-piste?

You can go off-piste provided you go with a qualified guide or instructor and remain on recognised paths, within resort boundaries

Does winter sports cover me anywhere in the world?

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to. Information from the FCDO can be found at www.gov.uk/foreign-travel-advice or by calling 020 7008 1500 .

What's covered if the piste closes?

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort due to lack of snow or bad weather (up to a maximum of £200). This can be used to cover travel expenses to the next open resort or to compensate you if there are no slopes nearby.

Are all winter sports covered?

Our Winter Sports Upgrade covers the following activities: cross country skiing, dry slope skiing and snowboarding, glacier walking/trekking, husky sledge driving, ice hockey, mono-skiing, snowmobiles, sledging, snowshoeing and tobogganing. If you want to take part in an activity not on the list please call us on 0333 234 9913 to discuss.

Am I covered if I’m injured on the slopes and not wearing a helmet?

You won't be covered for any head injuries that happen on your winter sports holiday if you weren't wearing a helmet. We always recommend wearing a helmet for winter sports.

Are lift passes covered?

Unused lift passes due to illness or injury are covered but you can't claim for lost or stolen lift passes

Is mountain and helicopter rescue included?

Yes, our add-on covers mountain and helicopter rescue in the event of injury or illness; search and rescue isn't covered.

Do under 18s need ski insurance?

Yes they do, you can add a child onto a parent or guardian's cover. Take a look at our Family Travel Insurance page for more information.

Can seasonaires buy the winter sports upgrade?

While there's no restriction on seasonaires buying our cover, the add-on's limited to 21 days in total so we couldn't cover a seasonaire for the entire season.

What’s the age limit on winter sports cover?

We cover people up to and including 75 years old in Europe, or 70 years old everywhere else.

What does winter sports travel insurance cover?

Our winter sports travel insurance upgrade covers:

• Delay caused by avalanche
• Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Can I take out a family winter sports insurance policy?

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under 18.

You can add up to two adults and a maximum of five children to the cover. Simply add on our winter sports upgrade for cover on the slopes.

Do I need travel insurance for skiing in Bulgaria?

Yes you’ll need to add our winter sports upgrade onto our European Travel Insurance for any skiing holidays in Bulgaria.

Do I have Personal accident and Personal liability for my Winter sports trip activities?

We cover personal accident up to the policy limits and personal liability cover up to £3 million, for winter sports activities listed in the winter sports cover section of our policy wording except Snowmobile/Ski-Doos which excludes personal accident and personal liability cover. Please note, this cover cannot be added to the Snowmobile/Ski-Doos activity for an additional premium.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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"Generali wins out among the best travel insurance companies for its happy combination of below average fees for above average travel coverage."

“I go to France for skiing every year for a month and always feel super safe carrying Generali. I use them for every trip just because that one time, when it happened, they were there for me 100%.”

“We were thrilled when we found out everything was being covered.”

“My husband and I were really surprised by how very smoothly and quickly we received our check.”

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Trusted by over 6 million travelers every year

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Travel insurance coverages are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states, and other important information about the Travel Insurance & Assistance Services Plan, please see Important Disclosures .

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Frequently Asked Questions

What types of winter sports can travel insurance cover.

Our travel insurance plans can cover skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more.

The Premium and Preferred plans include Sporting Equipment and Sporting Equipment Delay coverages that can cover winter sports equipment you might bring on a trip, except motorized equipment, dental wear and eyewear.

If your sporting equipment is damaged, lost or stolen during your trip, Sporting Equipment coverage can reimburse the costs to repair or replace your sporting equipment. The Premium plan covers up to $2,000 and the Preferred plan covers up to $1,500.

Sporting Equipment Delay can reimburse you for the cost of locating your delayed Sporting Equipment and having it returned to you, and the cost of renting equipment in the meantime, up to the coverage limit.

The fine print says: "We will not pay for damage to or loss of boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances." See Plan Documents for more details.

How can travel insurance help in case of weather delays on my trip?

Bad weather is always a risk when traveling during the winter. If a winter storm hits, flight cancellations and delays are bound to happen and you may take on some unplanned costs. If this happens, the Trip Interruption coverage included with travel insurance can cover for additional expenses to help get you to your destination and onto the slopes or back home, in addition to reimbursing you for lost trip costs. Travel Delay coverage is also included for certain out-of-pocket costs, such as meals, local transportation or even additional lodging or parking charges.

If a weather event, like a blizzard is foreseeable prior to you purchasing the insurance plan, then travel insurance may not cover it. If the plan is purchased after a storm is named, coverage is not provided for losses resulting from that named storm.

Read more about how travel insurance can help when you travel during the winter

What Can Wreck a Ski Trip and How Travel Insurance Can Help

Problems happen with travel plans more often than you might think. One in six U.S. adults reported having to cancel, interrupt or delay their trip.¹ Travel insurance can help protect your vacation investment from certain unforeseen events that could upset your travel plans and cost you.

Find the Plan That Fits Your Trip Best

There’s no better way to understand how travel insurance and assistance can help protect you and your trip than reading real life examples from fellow travelers.

How can travel insurance help me if I get sick or injured?

If you become critically sick or injured during your trip and no suitable local care is available, all of our plans provide coverage for emergency medical evacuation and coverage to reimburse your medical and dental costs. In addition, Trip Interruption coverage can reimburse you for lost trip costs while you're in hospital, including prepaid lift tickets.

This can be extremely helpful if, for example, you have a ski accident on the slopes — it could even require medical transportation by helicopter, which could cost a lot.

Our plans also include 24-hour emergency assistance services that can provide immediate assistance if a traveler becomes seriously ill or injured on their trip.

Could I be covered if I cancel my trip because of work obligations or job loss?

If you lose your job and cancel your trip as a result, you could be reimbursed for your prepaid, nonrefundable, trip costs. Some requirements must be met.

Our plans don't include Trip Cancellation coverage for work obligations that cause you to cancel your trip, except in the case of unexpected active military duty due to a natural disaster or military leave being revoked. If you want travel insurance that can cover for this reason, consider purchasing our Premium plan and adding Trip Cancellation for Any Reason coverage . This coverage reimburses you up to 60% of the penalty amount when you cancel your trip for any reason ( requirements apply ).

• U.S. Consumer Product Safety Commission
• SITA Baggage Report 2018

*Terms and conditions apply. See plan details  for more details .

If you're brave enough to take on a black diamond, or maybe vacationing with kids just starting out on the bunny slope, chances are you could use ski insurance. Travel insurance for your ski trip can cover injuries on the slopes and during your vacation and is designed to help with winter travel mishaps like flight delays, cancellations, illness and more.*

What winter sports are covered?

Our travel insurance plans can cover winter sports on your trip, such as skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more. 

You can also choose a plan designed to cover your sporting equipment if it gets damaged, lost, stolen or delayed. Just be sure that the purpose of your trip is not to participate in any organized amateur sports, professional athletic competitions or sporting events, as those are not covered by our plans.*

Winter Sports Travel Insurance – The Ultimate Guide

• August 28, 2023

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If you’re an avid winter sports fan and love to hit the slopes every season, you know that good travel insurance is of paramount importance. But do you know which one offers the best coverage?

Let’s explore the top providers and how they can give you the protection you need during your next winter sports adventure.

What is Winter Sports Travel Insurance?

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Winter sports travel insurance can provide peace of mind when traveling during the colder months. As you plan your snowy getaway, it’s essential to understand the risks associated with winter activities, such as skiing and snowboarding, and how a special winter sports travel insurance policy may provide you with the protection you need.

Winter sports medical emergency coverage can be critical if you are heading off to a ski resort or secluded area of the mountains on vacation because local healthcare facilities may not be available in an emergency.

With an insurance policy for winter sports travel, you’ll have access to specialized medical care in case something happens while enjoying your outdoor activities.

In addition to medical coverage, policies often provide coverage for stolen equipment, damage or loss of equipment due to breakdowns or delays during trips, and even trip cancellation due to bad weather.

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Additionally, some policies will cover avalanche search and rescue operations if they should become necessary. Knowing that these risks can easily be covered with a proper policy will help alleviate any concerns before beginning your winter vacation.

When selecting your winter sports travel insurance plan, it’s essential to read all of the details before purchasing. Different plans may offer different levels of coverage, so make sure that the one you choose meets all of your needs. 

When properly prepared and protected with a comprehensive plan before heading out on any ski trip or other winter holiday adventure, you’ll have less worry about what could go wrong so that you can enjoy all that nature has to offer when snow hits the ground!

Benefits of Winter Sports Travel Insurance

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Travel insurance for winter sports trips is a must for any traveler heading on an adventure to ski, snowboard, ice skate, or participate in other winter activities. Winter sports travel insurance provides protection from the unexpected dangers of winter sports trips.

Winter sports travel insurance covers you and your possessions in the case of an accident, trip cancellation or interruption, damaged or lost luggage, medical and evacuation expenses, and more. Many insurers even provide coverage for extreme sports such as heli-skiing and shark diving.

The benefits of winter sports travel insurance can include reimbursement for medical expenses such as ambulance rides, doctor’s visits, and surgery if you are injured while participating in a covered activity.

Trip cancellation benefits should you be forced to cancel your ski vacation before it begins, luggage loss protection should your equipment be lost or stolen, and additional coverages like collision damage waiver benefits if you rent snowmobiles or other equipment.

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Winter Sports Travel Insurance also offers coverage when renting expensive specialty sporting equipment such as snowboards, skis, snowshoes, or avalanche airbags.

With so much going on during winter vacations – icy roads, unpredictable weather conditions, high altitudes – it’s crucial to ensure that you have the financial backup to protect yourself from unexpected costs associated with participating in winter activities around the world.

Types of Winter Sports Covered

When traveling overseas to take part in winter sports activities, it is essential to make sure you have the right type of travel insurance . 

Different policies will cover different types of winter sports, and it is important to make sure your policy covers the specific activity you are planning to participate in. 

Here we look at some of the sporting activities typically covered by winter sports travel insurance policies:

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Snow Sports

These are activities that include skiing, snowboarding, tobogganing, mogul skiing, and heli-skiing. Policies typically cover associated risks such as an injury due to accidents while participating in these activities, damage or loss of equipment, including skis, snowboards, and helmets, or medical costs.

These are activities such as ice hockey and curling, where blades are used on ice surfaces for sliding or propelling objects. Insurance policies usually provide coverage for medical costs of an injury that occurred while participating in these activities, as well as any associated equipment damage or loss.

Winter Trekking

Many hazard-related risks can be encountered when trekking during winter months. Policies cover medical costs due to accident or illness while out on a trek (including rescue expenses) and associated equipment damage or loss while trekking during cold weather conditions.

Other Winter Activities

Have you planned other cold-weather activities, such as dog sledding? Most insurers will tailor a bespoke policy for activities such as these, ensuring adequate levels of coverage for all associated risks.

Key Considerations When Choosing Winter Sports Travel Insurance

When selecting winter sports travel insurance, there are several important things to consider.

First, it is vital to understand the type of coverage that is included in the policy and any additional coverage that may be needed for specific activities.

Having detailed financial coverage for medical expenses and any losses incurred during the trip is also a good idea.

It is also wise to read through the policy carefully, preserve it safely, and take special care to note critical details such as who is covered under the insurance plan and what activities are not protected . Additionally, bear in mind any exclusions, as they can play an important part when considering whether or not particular areas of coverage are suitable.

When buying winter sports travel insurance, make sure to keep an eye out for all added costs and estimated total premiums for full coverage.

You should also ask about discounts for multiple people traveling on one policy or longer stays in order to get a better deal on overall costs.

Finally, check the details of cancellations or non-refundable items when looking through potential policies to ensure you will be covered if something unexpected comes up during your travels.

Common Exclusions in Winter Sports Travel Insurance

Most winter sports travel insurance policies will have their own exclusions, limitations, and conditions that state what the policy does not cover. 

Winter sports traveler should read their policy very carefully to familiarize themselves with these exclusions, as they will often differ from one situation to the next.

Generally speaking, standard exclusions include the following:

• Damage caused by intentional acts or illegal activities of the insured person.
• Damage caused by drug or alcohol consumption.
• Injuries due to participation in Motorsport or Motorsports related activities (including Skidoo and snowmobile).
• Accidents resulting from air travel or air-related activities (including ski jumping & paragliding).
• Unstable snow conditions (e.g., avalanches & chunks of ice falling off cliffs).
• Poverty or deprivation of basic necessities.
• Treatment for already existing injury or illness that is not complimentary with any other coverage you may have.
• Outdoor/extreme sports such as mountaineering, rock climbing, and caving.
• Loss of passports, visas, and documents.
• Expenses incurred due to trip cancellations in advance of the policy commencement date.

How to Make a Claim on Winter Sports Travel Insurance?

Claims on winter sports travel insurance can be complicated, but it is important to understand how the process works before you purchase any policy.

Suppose something should happen while you are away, such as a sudden illness or injury, theft, equipment damage, or even a missed flight connection. In that case, the right winter sports travel insurance policy could help protect you against potentially significant losses.

When it comes time to make a claim on your policy, here are the steps to follow.

1. Contact your insurer urgently in case of an emergency resulting in urgent medical care or the potential loss of your personal possessions.

2. Get a police report if required and make sure that all relevant information is documented correctly when escalating your claim.

3. Collect all necessary evidence and documents, such as receipts that evidence either what you have spent or prove the value of items lost or damaged during travel-related incidents.

4. Submit forms accurately and with all required evidence before the stated deadline for claims under your chosen policy terms and conditions.

5. Have patience, as insurers may require additional information from you, dependent upon the nature of any given claim submitted under your policy terms and conditions.

6. Check with customer services to ensure that everything is progressing correctly. Before an insurer agrees to pay for something, they first need to check that it’s covered by the policy. This means looking at the limits that were set when the policy was agreed upon. If something isn’t covered, then the insurer won’t pay out.

It’s important to remember that both the payer and the provider need to have a clear understanding of what is and isn’t covered by the policy. If there is any confusion, then it’s best to get clarification before proceeding.

7. Finally, It’s important to keep detailed records of all correspondence with insurers in case you need to refer back to them at a later date. This will help you understand the cause of any problems and ensure that you get the full value to which you are entitled. Make sure that you follow all the requirements set out by the insurer so that there can be no confusion or misunderstanding about what is expected from you.

Tips for Making the Most of Your Winter Sports Travel Insurance

Winter sports have become increasingly popular worldwide, which means it’s more important than ever to ensure you have the best winter sports travel insurance in place before hitting the slopes.

Having travel insurance can provide invaluable protection when things don’t go according to plan and can save you a lot of hassle, wasted time, and unexpected costs.

When considering winter sports travel insurance, there are several tips to keep in mind that can help you make sure that you’re adequately covered:

1. Choose an insurance policy with a good range of coverage – Look into features such as medical evacuation coverage, delay and cancellation cover, and rental car damage coverage.

2. Look for policies that offer extra skiing and snowboarding features – Skiing or snowboarding with specialized equipment? Check that your policy provides cover for ski poles or snowboarding helmets should they break during your travels. Some policies may even reimburse you for costs should you break ski rental equipment while on holiday.

3. Consider buying several days more of coverage than your holiday length – The extra cost is usually negligible compared to other elements of your trip, but it often covers lost luggage and health care bills until your flight home arrives if anything unexpected happens during your trip (or shortly before).

4. Ask about group discounts – Many insurers will offer discounted rates if purchasing winter sports travel insurance as a group – worth checking out as additional savings!

5. Inquire about refunds or partial refunds – When pre-booking activities like ski lessons or lift passes, having pre-trip cancellation cover might be worth considering in case plans change (or activities need to be canceled due to inclement weather).

Summary of Winter Sports Travel Insurance

Winter sports travel insurance is an important consideration when planning a trip to any mountain or ski resort. Winter activities can be a source of excitement and adventure, but they also come with inherent risks that can potentially result in severe injury or financial loss.

Winter sports travel insurance offers protection in case of an accident or the suspension of your holiday due to unforeseen circumstances.

It typically covers medical care and related expenses, as well as personal liability and rescue costs associated with winter sports activities at a destination outside your home country.

This coverage may include skiing, snowboarding, ice skating, sledding, snowmobiling, and other related activities.

In some cases, additional forms of coverage can be included, such as coverage for lost/delayed baggage, missed flights/connections, and cancellations. 

Additional coverage for rental gear or gear depreciation may also be available. Comprehensive winter sports travel insurance should provide enough protection to ensure you return home safely from your winter vacation.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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• Adventure & Sports Travel Insurance

Winter Sports

Travel Insurance for Winter Sports

Search for policies that cover sports like snowboarding, skiing, ice skating and more, winter sports travel insurance from skiing to heli skiing.

Travel insurance for winter sports can cover a wide array of activities with varying levels of danger. However, policies for adventurous travelers may still have a list of excluded activities. Coverage for skiing , for example, is included within many policies. On the other hand, coverage for extreme sports or adventure activities, such as heli skiing or ice climbing, can be included but is much less common.

Winter Sports Coverage

What Does Winter Sports Travel Insurance Cover?

Travel insurance for winter sports is primarily designed to provide cancellation and medical coverage. For travelers planning to participate in winter activities during their trip, but are forced to cancel, the Trip Cancellation benefit can refund their prepaid and non-refundable trip costs, including airfare, hotel accommodations, and expenses related to the activity, such as lift tickets or equipment rentals. In the event of an injury during the trip, travel insurance can reimburse the cost of treating the injury and the cost of a medical evacuation, if necessary.

What to look for when buying travel insurance for winter sports and activities:

Travel insurance for winter sports and activities can vary significantly from policy to policy. Activities that can be covered by one policy, may be specifically excluded from the next. For this reason, for travelers who plan to partake in specific winter sports or activities, it’s important to check a policy’s certificate for a list of excluded activities before purchasing. When buying travel insurance for winter sports, Squaremouth recommends at least $50,000 in Emergency Medical coverage, and $100,000 in Medical Evacuation coverage.

How to search for travel insurance for winter sports and activities:

The Sports & Activities benefit of travel insurance is designed to cover travelers who are participating in sports or adventurous activities. Using Squaremouth’s activity selection matrix below, travelers can enter the specific winter sports and activities they plan to participate in during their trip to only show available policies with the coverage they need.

Search for policies with coverage for winter sports using our selection matrix.

Search Winter Sports Travel Insurance Policies

Search for winter sports and activities you will be participating in during your trip, then select "Continue to Trip Information" to complete your quote.

• Winter dog sledding, glacier walking, skiing, snowboarding and more. Airboarding Bobsleighing Cross-Country Skiing/Langlauf Dog Sledding (Racing) Dog Sledding (Recreational) Glacier Walking Husky Dog Sledding Ice Climbing Ice Holing Ice Skating Ice Speedway Ice Windsurfing Luge Marathon (Arctic) Mountain Biking (Mega Avalanche or Similar) Skiing (Back country with a guide) Skiing (Back country without a guide) Skiing (Backcountry in resort) Skiing (Cat Skiing/Boarding) Skiing (Cross Country) Skiing (Free-Style) Skiing (Heli Skiing) Skiing (Moguls) Skiing (Mono) Skiing (Nordic) Skiing (Para) Skiing (Ski Biking) Skiing (Ski Blading) Skiing (Ski Boarding) Skiing (Ski Cross/Snowboard Cross) Skiing (Ski Dooing) Skiing (Ski Flying) Skiing (Ski Jumping) Skiing (Ski Mountaineering) Skiing (Ski Racing (ski school races etc)) Skiing (Ski Racing) Skiing (Ski Randonee) Skiing (Ski Stunting) Skiing (Ski Touring) Skiing (Slopestyle (no inverted aerials)) Skiing (Snowcat) Sledding/Tobogganing Sleigh Riding Sleigh Riding (Reindeer/Horse) Snow Biking Snow Blading Snow Bobbing Snow Go-Carting Snow Mobiling Snow Parascending Snow Scooting Snow Shoeing Snow Skiing (Recreational Downhill) Snow Tubing Snowboarding Snowboarding (Back-country without a Guide) Snowboarding (Backcountry in resort) Snowboarding (Freestyle/Terrain Park (inverted aerials)) Snowboarding (Freestyle/Terrain Park (no inverted aerials)) Snowboarding (Heli-boarding) Snowboarding (Recreational) Snowboarding (Slopestyle) Snowboarding (Snowboard Cross) Snowcat Driving Snowmobling Speed Flying/Riding Speed Skating Telemarking Tubing

Please select if you will be participating in amateur or professional events or competitions:

Your quote results will show policies that include coverage for the activities you have chosen, however, we cannot guarantee adequate coverage for your particular trip.

Please either call us or review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, winter sports travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

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24/7 emergency helpline

Whether you’re skiing, snowboarding or tobogganing, winter sports travel insurance will bring some peace of mind to your wintry getaway. We cover potential issues that are exclusive to winter sports, such as lost or damaged equipment, closed pistes and medical evacuation from the mountain. That’s one less thing to think about when planning your ski trip!

What is winter sports travel insurance and do you need it?

Winter sports travel insurance is a specific type of travel insurance that covers the increased levels of risk that come with winter sports. Winter sports are typically activities like skiing, snowboarding or tobogganing.

Winter sports holidays are exhilarating, but there is no doubt that they come with a certain amount of risk. Accidents on the mountain come with an increased level of complexity to treat, which often makes them very expensive.

• More than 200 significant winter sports-related injuries are reported each year, according to the ABTA.
• 12% of people aged 25-34 have gone on a winter sports trip with someone who has a major injury from the slopes, such as a broken bone or concussion, which has landed them in hospital .

Regular travel insurance policies cover accidents and injuries, but they will not cover the high-risk activities of winter sports. Therefore, if you’re injured while skiing or snowboarding, you may not be covered. This makes getting specific winter sports travel insurance incredibly important.

Which winter sports are covered?

Our winter sports travel insurance includes a range of different activities, from skiing and snowboarding to bobsleighing and tobogganing. 

Here’s a list of all the winter sports activities we cover:

• Snowboarding
• Off-piste skiing/snowboarding (except where considered unsafe by resort management)
• Cross country skiing
• Freestyle skiing*
• Mono skiing
• Recreational/non-professional ski racing or training*
• Ski acrobatics*
• Ski bob racing*
• Ski/snowboard fun parks*
• Ski stunting*
• Ski touring with a guide
• Bobsleighing*
• Glacier walking or trekking under 2,000m altitude
• Ice climbing under 100m (fully supervised)*
• Ice fishing
• Ice hockey*
• Snowmobiling*
• Tobogganing

Note: Unfortunately, there is no cover for ski flying, ski jumping or ski mountaineering. For the activities marked with an * above an increased medical excess of £250 will apply and there will be no cover under the personal accident or personal liability sections of the policy. See our policy wording for more details.

What else does InsureandGo’s winter sports travel insurance cover?

What’s covered.

Your travel insurance policy with winter sports added includes:

• Emergency medical expenses
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Our 24-hour emergency assistance team , available to call, day or night

What’s not covered?

We strive to provide as much cover as possible. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our winter sports travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

We will consider all pre-existing medical conditions, find out more about medical travel insurance . 

The excess and amount of cover available varies depending on the level of travel insurance for winter sports you buy. Make sure you check the policy wording to see the full terms and conditions.

To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

Age restrictions

We’ll cover anyone up to the age of 65 for winter sports around the world.

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions. If you’ll be taking away something a bit more expensive you can add our valuables extension .

Lost, stolen or damaged items

Our winter sports travel insurance policies cover all skis, poles, snowboards, boots & bindings. We’ll cover lost, stolen or damaged items, even if they’re stolen out of a ski rack (between the hours of 10am – 8pm). We’ll also cover costs to hire equipment if yours is lost, stolen or damaged.

Unfortunately, we can’t cover lost, stolen or damaged items that are left unattended. We also can’t cover lost, stolen or damaged items that are not reported to the police within 24 hours.

Trip length

Winter sports cover for a single trip will last the whole length of your stay. If you add winter sports cover to an annual multi-trip policy, this will only cover you for 17 days of snowy fun.

The best travel insurance for your winter sports trip

Winter sports cover is added to your travel insurance policy. Not sure what you need? 

• Heading to the Alps? Our Europe travel insurance will have you covered, even if you accidentally ski over the border into another country. 
• Going slightly further afield? Our worldwide travel insurance might be what you need if you’re heading to destinations like the Rockies or Whistler. 
• Doing multiple snowy getaways this year? Our multi-trip annual travel insurance policies will cover you for up to 17 days of wintery fun. 
• Not skiing or snowboarding? Don’t worry. Our winter sports policies cover most winter sports, including ice fishing, bobsleighing and snowmobile rides. 
• Don’t want a pre-existing medical condition to stop you? It won’t. Our pre-existing medical condition travel insurance covers over 1,300 pre-existing conditions, many at no extra cost. 
• We can be as flexible as you need. Already got a policy and need to add winter sports cover? No worries. You can manage your policy online or give our team a call .

Choose a cover level to suit your travel needs

Winter sports insurance for travellers with pre-existing medical conditions.

Just like with every other type of trip, it’s important to make sure you have adequate travel insurance for medical conditions . We’ll consider cover for any medical conditions which are declared to us, even while you’re on a winter sports trip. However please be aware that some conditions, such as osteoporosis may not be covered while you’re taking part in winter sports.

We consider something to be a pre-existing condition if you have: 

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before buying a winter sports travel insurance policy, you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening.

Which destinations are covered by our winter sports insurance?

We offer winter sports travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean).
• Worldwide .

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book our winter sports insurance

We know planning your winter getaway can be complex, so we make getting winter sports travel insurance as simple as possible:

1. Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2 . Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.

“Getting a robust winter sports travel insurance policy is so important before heading out. Nobody wants to be airlifted off the side of the mountain, but it’s even worse if you’re paying for it directly. Our winter sports travel insurance policies cover you for that, as well as any lost or damaged equipment, or even if the piste is closed. That leaves you free to enjoy your winter sports break, stress-free.” Russell Wallace – Travel insurance expert

Our reviews speak for themselves

Our high reviews reflect our quality of service. See what our customers are saying about us.

Frequently asked questions on winter sports travel insurance

How much does winter sports travel insurance cost.

There is no standard cost for winter sports travel insurance. The exact cost of your winter sports travel insurance will vary depending on the length of the trip you’re taking, where you’re going, whether or not you have any pre-existing medical conditions, any activities you’ll be doing, and any additional cover you might need.

Can I get winter sports insurance without travel insurance?

Unfortunately, we do not offer winter sports insurance without travel insurance. To get winter sports insurance, you need to add this specific type of cover to either a single trip or annual multi-trip policy. 

Please be aware that winter sports travel insurance for a single trip will last the whole length of your stay, but is limited to 17 days per year on annual policies.

What to look for in winter sports insurance?

In general, you should look for winter sports travel insurance which provides cover for

• Medical costs while taking part in your chosen activity
• Costs to return you to the UK if medically necessary
• Lost, stolen or damaged ski equipment
• Piste closure
• Cancellation or curtailment

Every provider offers different cover for winter sports, and you should always check to make sure that your policy meets your specific needs.

Is equipment included in winter sports travel insurance?

Yes. All InsureandGo policies with winter sports travel insurance added will cover equipment lost, stolen or damaged, as long as it is not left unattended in a public area. We cover all skis, poles, snowboards, boots & bindings. 

If your skiing equipment is lost, stolen or damaged, we’ll cover it – even if it’s stolen out of a ski rack (between the hours of 10am and 8pm). We’ll also cover the costs of hiring new equipment. 

When should I buy winter sports travel insurance?

You should buy your winter sports cover as soon as you book your winter sports trip, or as soon as possible. Remember that your winter sports travel insurance will only be valid if you have bought it before you leave the UK.

Are there age limits for winter sports insurance?

Unfortunately, our cover for winter sports is only available to people 65 and under (at the time they buy the policy).

How to claim on your InsureandGo winter sports travel insurance

As soon as you know you want to make a claim:

• Contact the claims handlers.   You can either do this online or give us a call
• Gather as much evidence as possible upfront to speed up the process
• Complete the claim form carefully. I nclude any copies of relevant paperwork, such as receipts or medical certificates.  
• Submit the claim. Make sure to keep a copy for yourself. 

Note: Be sure to check the fine print on your policy before claiming. You’ll want to check that you’re within the time limits for making a claim and how much your excess is.

Will GHIC cover me for winter sports?

The GHIC , formerly known as the EHIC or E111, is a medical card that entitles you to free or reduced-cost medical treatment while in Europe. While the cost of medical treatment is reduced or free in some countries, it does not cover anything outside of this, such as airlifting to the hospital.  The GHIC is not an alternative to winter sports travel insurance and does not cover the cost of repatriation if you need to be flown back to the UK. The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country.

 Do I need winter sports insurance for trips to snowy countries?

If you’re planning a snowy getaway, winter sports travel insurance might be sensible – even if you’re not planning on skiing. Remember that winter sports travel insurance covers more than just skiing. If you fancy a snowmobile ride, dog-sledding or a reindeer trip, regular travel insurance policies won’t cover you in case of an emergency or mishap.

What is considered off-piste for travel insurance?

Typically, an area that is considered off-piste for travel insurance is any area that is between the piste-bashed runs. These areas are often unmanaged terrain and can be easily identified by looking at the boundaries on the resort’s map. 

At InsureandGo, we cover off-piste skiing and snowboarding as standard unless the area has been designated as unsafe by the resort.

Who can buy an InsureandGo winter sports travel insurance policy?

All our winter sports travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our winter sports travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

Single trip travel insurance is designed to cover one specific holiday or trip. If you plan to travel more than 2 times per year, our annual multi trip policy may be better value.

We can only cover people up to the age of 85, if you are over this age, you can get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

An annual multi trip policy can save you money if you travel 2 or more times per year. It also means you won't have to set up a new policy every time you go.

We can only cover people up to the age of 74. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

We offer our Globetrotter policy to those looking to travel for between 60 and 365 days on one journey.

We can only cover people up to the age of 65. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

Our winter sports policy covers you for a range of activities, on or off-piste (within resort boundaries), whether you are a skier or a snowboarder. Check the policy wording for a full list of the winter sports covered. Adding this cover to annual multi trip policies will cover you for up to 17 days per year.

This includes cover for travel to: England, Scotland, Northern Ireland, Wales and the Isle of Man.

This includes cover for travel to: Aland Islands, Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (including Guernsey, Jersey, Alderney, Sark and Herm), Chechnya, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Greenland, Hungary, Iceland, Italy (including Aeolian Islands, Sardinia, Sicily), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Morocco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (West of the Urals), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Tunisia , Turkey, Ukraine, UK Area (Great Britain and Northern Ireland), The Republic of Ireland and Vatican City.

Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

Travel anywhere in the world. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

Travel anywhere in the world, except USA, Canada, Mexico, Caribbean. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

For annual multi trip policies, cancellation cover is provided from the selected policy start date. If you require cancellation cover to begin immediately, please select today as the policy start date.

For single trip policies, cancellation cover is provided from when you purchase your policy.

Please select the traveller who you wish to book insurance for. If there is a group of you, please select the Group type of policy.

A couple who are legally married, common-law partners or living at the same address. All limits and excesses are per person irrespective of one or both travelling on the same trip.

A family is considered to be a legally married couple, a common law husband and wife, a single parent or adult couple who have lived at the same address for at least one year and up to 4 children aged under 18 (or up to 22 if in full time education). Under 2s travel free on an Adult or Couple Policy (please select Family, under Type of policy to set this up).

If your group has more than 8 people, please call us at 0800 068 0060.

Please note: All limits and excesses are per person (unless otherwise stated) irrespective of whether travelling on the same trip or individually.

Ski Travel Insurance

There is no getting away from it, skiing is one of those adrenaline sports that can become seriously addictive, even though there are potential risks out on the snow. Make sure when you head onto the slopes this season that you’ve taken out adequate  Winter Sports Insurance .

At Columbus Direct we offer ski insurance to protect you and your family, just in case things don’t go quite as you planned.

With our Ski Travel Insurance as well as skiing on piste, our insurance lets you take your skiing  off piste too , although you still need to be within the boundaries of the resort. You are also insured for alpine and mono skiing, ski boarding and blading, snowboarding and sledging. The medical assistance  gives you more protection than the standard travel insurance policy, and it ensures that you are covered for accidents that you might have on the slopes.

There are many holidaymakers who have a taste for adventure and a tendency to take part in various snow sports, and if they're not covered under our ski insurance , contact our customer services team to see if we’re able to provide cover.  

What cover do you get for off-piste skiing?

If you take part in off-piste skiing our winter sports option provides you with cover for medical attention if you are injured while skiing. You will also be protected for stolen, lost or damaged ski equipment, as well as avalanche delays if they affect your travel to or from your pre-booked resort.

Cover is included for off-piste skiing when you get our winter sports cover, but it is only valid if you ski within the resort boundaries or you are skiing with a qualified guide.

Skiing off-piste is a more challenging experience that more experienced skiers choose to do if they want to travel across untouched snow and enjoy sights that they otherwise wouldn’t be able to get. The risks involved mean that you should pack extra equipment to prepare for potential dangers. Some of the items that skiers are advised to pack include a collapsible shovel, a head torch, first aid kit, water, snacks and spare clothes.

Your Ski Travel Insurance comes with a number of benefits. These include:

• Comprehensive  standard travel insurance  - includes all the benefits of our single trip policy including emergency medical expenses.
• Cover for your skis and winter sports equipment against loss, theft or damage, even hired kit
• Cover if you are unable to use your ski pass or attend pre-booked ski lessons due to an accident or illness.
• Cover for piste closure due to weather conditions or lack of snow.
• Reimbursement for any delays caused by an avalanche.
• If you are a Gold Cover customer and sustain an injury on the slopes, you could benefit from physiotherapy performed back in the UK.
• Optional cover can be provided for Search and Rescue and Winter Sports Equipment Top Up if required.
• Pre-existing medical cover  is available. 

Get ski insurance before your holiday begins

The risk of plunging down the side of a mountain, confident that you’re going to stay upright and in one piece is one thing. Skiing without insurance, in the hope you won’t get injured is quite another. The first is a fleeting, thigh burning exercise. The latter, well, getting rescued off the side of a mountain with no cover in place could be very expensive.

Columbus can offer you ski insurance that gives you peace of mind, leaving you free to enjoy the views and fresh mountain air – and hopefully a clear run to enjoy!

We also understand the importance of having cover in place in respect of coronavirus  (COVID-19)  therefore our policies provide the following cover as standard.

Before you travel, cancellation is covered if you, a close relative or travelling companion contract coronavirus and are unable to travel provided you test positive within 14 days of the start of your trip.

During your trip, you will be covered for medical expenses  and repatriation and we've also included cover for curtailment (if you need to come home early) due to you or a close relative becoming ill due to coronavirus, as well as cover for missed departure if you fail or are waiting for an unplanned health screening at your departure point.

To find out more about our COVID-19 cover  click here .  

COVID-19 Traffic Light Cover Add-On

We’re also pleased to be able to offer extra protection through our new COVID-19 Traffic Light Cover add-on which provides peace of mind for our customers while skiing. The add-on covers specified additional costs that could be incurred, if during your trip the UK government unexpectedly moves your destination to the red list. 

The cover provides :

• Up to £200 for unexpected COVID-19 tests.
• Up to £1,000 towards the cost of quarantine accommodation outside your home upon return to the UK; or
• The option to cut your trip short and fly home early to avoid quarantine accommodation costs before quarantine restrictions come into force.
• Medical and repatriation costs covered if the FCDO has advised against all but essential travel to your destination provided you’re not travelling to a country on the red list

To find out more about our COVID-19 Traffic Light Cover Add on click here

Where can you go for a skiing holiday? 

There are many countries that have mountains with ideal ski conditions, and there are skiing resorts that can be found in many parts of the world. Europe has many popular skiing locations across the Alps, with France being regarded as one of the most popular winter destinations for skiers. Some of the biggest resorts in the French Alps include Les Deux Alpes, La Plagne and La Rosiere.

Other popular destinations include Switzerland, Italy and Bulgaria, while the USA and Canada have ski resorts too if you are looking to travel outside of Europe.

Skiers are advised to do their research ahead of time to find the right resort to suit them and what they are looking to do. There are many family friendly resorts that offer training for both children and adults looking to step onto the snow for the first time. Beginners can also find areas with less challenging pistes that make it easier to practice your skills without feeling too overwhelmed.

There are also many spots that offer more challenging slopes for the more experienced skiers, while there are often options for off-piste skiing if you are looking to add even more adventure to your holiday.

If you’re looking to go skiing in Italy, be aware that changes have recently come into force to make winter sports insurance that covers liability insurance mandatory, therefore make sure you have the cover in place before you set off. For more information click here

How to stay safe when skiing and snowboarding

Whether you are skiing or snowboarding, they are sports that come with some risks, but there are several ways that you can prepare for potential dangers before stepping onto the snow. It can be quite a physically demanding activity, and it is important that you are prepared for the challenges of the slopes. Doing stretches and warming up your body before you head to the slopes is essential to ensure you don’t injure yourself early into the day.

The FIS (International Ski Federation) has rules of conduct that you should follow when you are out on the snow. The guidance includes having respect for others and the signs and markings that help instruct you on where to go and what to do.

Skiers and boarders should also ensure they leave enough space when overtaking on the slopes, while choosing the best route is also important. The FIS also advises against stopping on a slope in a narrow place or somewhere that has restricted visibility, unless it is absolutely necessary.

When it comes to accidents not involving you, all skiers and snowboarders are still duty bound to assist. When you are involved in an accident, you should exchange names and addresses with the other people involved.

If you are skiing or snowboarding for the first time, then you should get suitable training and use beginner pistes that suit your ability level. Pistes are labelled with different colours to indicate the difficulty of the route with green representing the easiest. It is then followed by blue and red, with black highlighting the most challenging routes. While you are at the resort you should also keep an eye on the weather forecast and check for reports of potential avalanche risks.

When it comes to protecting yourself on holiday, the EHIC / GHIC currently entitles you to receive the same level of medical treatment as locals when travelling in Europe, which can mean free or reduced-cost healthcare. The  Foreign , Commonwealth and Development Office  advises that you should get travel insurance to protect them from other potential costs, particularly when skiing, snowboarding or taking part in other winter sports. The Columbus Direct ski insurance cover means that you can be protected for medical treatment while on the slopes, including helicopter rescue and treatment following an accident.

It is also useful to carry a rucksack with essential items like water and sun cream, as the higher altitude means that the sun is stronger, and you are more likely to be affected. It is also beneficial to wear goggles or sunglasses with UV protection so that your eyes are protected from the sunlight.

Be careful if planning to drink alcohol before stepping onto the snow as the higher altitude means that you can be affected quicker than you normally would. It could affect your reaction times and your co-ordination, which could lead to you injuring yourself and other people. Accidents caused by being under the influence of alcohol could mean that your ski travel insurance doesn’t cover costs if you injure yourself, or someone else on the slopes.

Ski Insurance FAQ

If you’re wondering what travel insurance you need for your ski trip and what our winter sports policy includes, then here is everything that you need to know.

What is ski insurance?

Ski insurance is part of the optional  Winter Sports  add-on that you can include in your travel insurance policy. It is suitable for travellers who plan to go skiing or snowboarding during their trip.

It ensures that you are covered for various aspects of your holiday beyond the usual cover that is included in our standard policies. This can include injuries and health problems while out in the snow, as well as protection for your equipment and piste closures.

The Winter Sports add-on also includes cover for other snow activities, including sledging, air boarding, snow tubing and mono-skiing.

Why do I need travel insurance for winter sports?

Standard travel insurance policies don’t provide cover for many winter activities, which means that skiing and snowboarding aren’t included. You are unlikely to have protection if you plan to hit the slopes during your trip, unless you add  winter sports cover  to your policy.

If you are planning to go skiing or do any of the other included activities, then it is better for you to add it to your ski insurance to ensure that you are protected. You should check before buying your policy that your preferred sports are included in your cover.

Columbus Direct also has  150 sports and activities  that are covered for free in all standard policies, including horse riding, zip lining and sleigh riding (passenger only).

Does my insurance cover Search and Rescue?

If a helicopter ambulance is needed, this is included as part of the  Winter Sports insurance  add-on and ensures that you have cover for costs if you need to be taken off the side of a mountain if you get injured while skiing or snowboarding.

Search and Rescue cover can be added to your policy as an optional extra It provides up to £10,000 cover for the costs that might be charged by the government, a regulated authority or a private organisation if you get lost and require their service to locate and rescue you.

Is off-piste cover included?

Cover for  off-piste  skiing is included in the winter sports add-on, but your claims are only valid if you are travelling within resort boundaries or with a qualified guide.

The risks of being off-piste are usually greater, and the thicker snow can take some time to get used to. You should make sure that you take suitable equipment with you when you are planning to ski off-piste, including a first aid kit, piste map, compass, collapsible shovel and ideally a mobile phone to ensure that you can reach out to others if you are exploring alone. It is also important that you check the weather conditions for the day before you set out and stay aware of potential avalanche threats.

Is ski equipment protected?

If you get the Winter Sports add-on then your own equipment or hired equipment will be protected if it is lost, stolen or damaged during your holiday. The amount that you can claim depends on the value of the cover provided and the age of your ski or snowboarding equipment.

The policy can also help with costs of hiring replacement equipment for the rest of your trip or until your previous equipment is returned if it is delayed for more than 12 hours after you arrive.

Can I get ski cover with pre-existing medical conditions?

If you have a pre-existing medical condition, then you would  need to declare  it when getting travel insurance. This is also the case when you are including winter sports in your policy. Cover may be subject to an additional premium being paid.

A pre-existing medical condition  is any illness or medical condition that has required medication tablets, treatment, surgery, reviews, check-ups, or other investigations in the 12 months prior to getting your policy.

You can still get ski insurance if you have medical conditions, unless our medical screening determines that we are unable to provide you with cover.

Is ski cover available for over 65’s and over 70’s?

Single trip travel insurance  policies are available to travellers up to the age of 85, while  annual multi-trip cover  can be bought up to the age of 74.

This includes the option of adding ski insurance to your policy, which means that you can travel with family and friends, safe in the knowledge that you are protected if something unexpected happens during your trip.

What is included in our winter sports insurance?

The winter sports add-on provides cover for various aspects of your skiing holiday. This includes  medical assistance  if you are injured while you are out in the snow, including the cost of being airlifted from the mountain. Further cover can be added to provide protection for search and rescue.

Travellers also have cover for their equipment if it is lost, stolen or damaged during their trip. This also includes hiring replacement equipment for the rest of your trip or until your original equipment is returned.

Avalanche cover is also included in the policy, which covers reasonable additional travel and accommodation expenses if your transfer from your result is delayed because of an avalanche.

Your ski lift pass is also protected if it is lost or stolen, or if you are certified by a medical practitioner as being unable to use the facilities at your resort because of an illness or injury. This also includes unused portion of your ski school and equipment hire costs if you are no longer able to use them.

Protection for piste closures means that you can get compensation if pistes in your resort are closed because of a lack of snow or adverse weather conditions.

If you have Gold cover you will also be able to receive some cover for physiotherapy costs in your country of residence, if you suffer an accidental injury during your trip that is the result of an insured accident.

Does GHIC cover skiing?

The GHIC ( Global Health Insurance Card ) which replaced the EHIC, currently allows UK residents to be treated in EU countries as well as Norway, Liechtenstein, and Iceland, on the same terms as citizens of the country they are visiting.  It doesn’t cover mountain rescue in resorts or costs if you need assistance in getting back to the UK.

It usually covers medically necessary state-provided healthcare which you can get for a reduced cost or for free, but it isn’t a suitable alternative for ski insurance.  

Do you need winter sports insurance for holidays to Lapland?

You only need to add winter sports to your policy if you intend to take part in activities that aren’t included in standard travel insurance.

Having it in place means that you can enjoy things like snow tubing, ski touring and snow shoeing while you are visiting  Lapland .

Do Columbus Direct policies include ski pack cover?

Ski pack cover is included when adding winter sports cover to the policy. This means that you have protection for the costs of unused portions of your ski school, lift pass and winter sports equipment hire, if you are certified by a medical practitioner at your resort as being unable to use the facilities because of a serious injury or illness that occurs during your trip.

Is anything excluded?

Travel insurance isn’t designed to cover everything so not all circumstances will be covered and there could be some restrictions that may prevent you from making a claim on your travel insurance. This could be because of the circumstances of the claim or the general exclusions that are included in our policies.

For winter sports insurance, these exclusions include being unable to claim for theft of your ski equipment if it isn’t report to the police within 48 hours and you don’t get a written police report. You also can’t claim for piste closures if you have not obtained confirmation of the resort closure or if not all the facilities are totally closed.

You can check the full restrictions and exclusions for making claims by looking through our  travel insurance policy documentation

Have more questions about our travel insurance policies? You can refer to our  Help Centre  to find more answers to your queries . 

24h Medical Assistance Services: Included

• Should you require emergency medical treatment or repatriation, our policies provide you with access to a 24hr multilingual staffed medical emergency company.

Medical Expenses: up to £15 million

• Whether its injury or illness, our policies cover you for both emergency in-patient and out-patient treatment, which includes non-routine prescription charges, consultations, physiotherapy and even emergency dental treatment. If it becomes medically necessary to repatriate you back to your home country, then this is covered too.

Cancellation and Curtailment: up to £5,000

• We will compensate you for any unused accommodation and travel expenses which you lose or incur as a result of having to cancel / curtail your holiday due to certain reasons.

Personal Property cover: up to £2,500

• We cover the loss and theft of and damage to your baggage & personal belongings. We also provide you with an allowance to purchase essential replacement items in the event that your checked-in baggage is delayed for a certain period of time.

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Travel Insurance tailored for you

Why columbus direct.

• FREE airport lounge access if your flight is delayed for more than 1 hour
• Over 150 sports and activities covered free
• Award-winning products and services
• Over 15 million customers since 1988

0330 880 5099

5p/min plus network extras

• Designed for Winter Sports
• Upgrade for Higher Risk sports
• Helicopter Rescue if needed
• Instant Cover note by email

Annual multi trip ski insurance

Annual Multi trip Winter Sports travel insurance policies are specifically designed to cover multiple trips you book, or make, during the one calendar year that the policy is in force. They are suitable for single travellers, couples or families and cover all ages from children through to skiers and boarders who are aged up to and including 74 years old.

An Annual Multi-trip Winter Sports travel insurance policy is not designed exclusively as a skiing insurance or snowboarding insurance. Our Winter Sports travel insurance has been created to cover a wide range of other activities including cross-country skiing, tobogganing and ice skating, so please refer to the activities tab and the policy  wordin g, associated with each travel insurance policy at the quote stage to ensure that the activities you wish to partake in are covered.

Remember, as well the cover for your winter sports, our travel insurance policies are designed for any travel undertaken during a calendar year, so make sure our policy covers any other activities you plan to do. Please ensure that you review the activities table in the policy wording, associated with each travel insurance policy at the quote stage to ensure that the activities you wish to partake in are covered. 

The Annual Multi-trip travel insurance policies we feature are sourced from a number of underwriters in order to give true choice and variety. Each will differ slightly in terms of levels of Winter Sports cover and this in turn will determine the price. The prices shown on our site are the full price for the policy and includes insurance premium tax at the applicable rate 

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Travel Insurance for over 70s

Travel insurance for over 70s with pre-existing medical conditions.

If you have a pre-existing medical condition, our Over 70s Travel Insurance aims to provide cost-effective, high-quality cover.

Finding over 70s Travel Insurance can be difficult and costly. At Just Travel Cover, we believe everyone should be able to enjoy their holiday and find high-quality cover that enables them to travel with peace of mind – no matter their age. Just Travel Cover works with a range of specialist insurers to provide over 70s Travel Insurance with cover for hundreds of pre-existing medical conditions,  including short and long stay Travel Insurance within a single trip policy and annual Travel Insurance policies for seniors over 70.

Medical Travel Insurance for over 70s you can rely on

Just Travel Cover is here to help you find the right cover and compare policies. We will only show you policies that meet your age over 70, and any pre-existing medical conditions you may have. We compare multiple providers to help find the right Medical Travel Insurance for over 70s policy at the best price. The cost of medical treatment abroad can be extremely high, so to avoid any unexpected expenses, it is essential that you declare all pre-existing conditions when taking out an over 70s Travel Insurance policy.

We will usually show you bronze, silver and gold policies, so you can compare Travel Insurance over 70 and pick the best medical Travel Insurance option for you.

Medical Conditions Travel Insurance: Compare and Choose

Our online quote and medical screening engines enable you to compare medical Travel Insurance for over 70s quickly and easily. We want you to look forward to your holidays without the stress of finding a well-suited policy. If you have a pre-existing medical condition or need medical treatment abroad, Just Travel Cover is here to help provide cover and we will only show you over 70s Travel Insurance options that are suitable for your medical history, duration of trip, destination, and age.

Why Just Travel Cover

At Just Travel Cover, we understand that age is just a number and shouldn’t limit your ability to explore the world. Our commitment goes beyond offering affordable over 70 Travel Insurance for pre-existing medical conditions. We are award-winning and work diligently with a vast network of insurers to ensure our clients, including those over 70 with pre-existing medical conditions, find the best medical Travel Insurance for medical conditions tailored to their unique needs. Our transparent comparison process, dedicated to providing a range of Travel Insurance policies, sets us apart. Whether you’re seeking long-stay or short-stay Travel Insurance for over 70s, trust Just Travel Cover for unparalleled service and peace of mind.

Over 70 Travel Advice

Compare over 70 travel insurance, over 70s travel insurance faqs.

Frequently asked questions about Travel Insurance for people over 70 .

What is over 70s Travel Insurance?

Travel Insurance for over 70’s is designed to keep you protected while you are on holiday, and leading up to your trip.

Standard Travel Insurance policies may have upper-age limits and not cover certain age groups, especially those over 70 with pre-existing medical conditions .

Just Travel Cover works with a wide range of Travel Insurance providers to provide policies for those over 70 as we believe age should not be a barrier to travel.

How much does over 70s Travel Insurance cost?

How much you pay for over 70 Travel Insurance is not just based on your age, but also on where you’re going, for how long, whether the trip includes a cruise and your medical history. It also depends what level of cover you want/need – for example if your holiday costs £5,000 you only need £5,000 cancellation cover, but if the holiday costs £30,000 you’re likely going to want to ensure your insurance covers it.

When you get a quote from Just Travel Cover you will see a list of policies, sorted by price, based on your own circumstances, so we’re comparing prices for you to find the best possible deal from our insurers. If you do require a higher cancellation limit for example, you would need to speak to a member of our team directly to arrange. It may be the case that over 70s Travel Insurance is more expensive, but it depends on a case-by-case basis. Reach out to one of our experts to discuss your options today.

When should you purchase your over 70s Travel Insurance?

As Martin Lewis recommends, you should buy over 70s Travel Insurance ASAB, as soon as you have booked your trip – that’s because on single trip policies, cancellation cover starts immediately, so if something happens that means you can no longer go on your holiday, you may be able to claim back the money you have paid. On annual policies cancellation cover starts on the day your policy starts, which can be up to 90 days in the future. Terms apply.

Do pre-existing medical conditions affect the cost of my over 70s Travel Insurance?

You should declare all pre-existing medical conditions when arranging Travel Insurance . The policy will then cover the cost of care for any pre-existing medical condition you have had in the past or suffer from now.

Where can I go with over 70s Travel Insurance?

We know retirement often means more time to explore the world, and if you’re over 70 we can help find Travel Insurance that enables you to travel anywhere, as long as the FCDO does not advise against travel. Having the right policy in place will provide peace of mind that you’re protected should something not go to plan. Depending on where you’re travelling, you can get a single-trip policy for holidays:

• up to 180 days if you’re aged between 71-75
• 124 days if aged 76-79.

Annual multi-trip Travel Insurance is available if you’re over 70 too, with a maximum trip length of 45 days.

When you’re over 70, especially if you have pre-existing medical conditions , it’s important you have the right cover in place, so always look at what’s covered, as well as the price – this is not the same for all insurers.

When calculating the price of a Travel Insurance policy insurers will take a range of factors into consideration including your age and medical history, as well as where you’re going, how long for and whether you’re going on a cruise.

The price can also be impacted by the amount of cover you want/need, for example, if your holiday costs £30,000 you will need more cover than if it was £3,000.  We’ll compare prices from a range of insurers with bronze, silver and gold options,

Can I get Travel Insurance if I’m over 70 with a heart condition?

Yes, at Just Travel Cover we specialise in seniors Travel Insurance with pre-existing medical conditions and can provide cover for most heart conditions, including if you have had a heart attack. If you’re over 70 and have ever had a heart condition such as angina or an irregular heartbeat it is important you declare these when getting a quotation to ensure you’re properly covered while away.

Can I get Travel Insurance over 70 with diabetes?

Yes, our over 70s Travel Insurance policies can provide cover for type 1 and type 2 diabetes as long as this is declared when getting a quotation, alongside your age, any other medical conditions, destination, and length of trip. We will ask you a few questions regarding insulin and hospital visits before presenting several options to you from multiple insurers so you can compare Travel Insurance for over 70 and diabetes and choose the best policy for you.

Can I get Travel Insurance if I’m over 70 and living with cancer?

Yes, at Just Travel Cover we can help those over 70 and living with various types of cancer find over 70’s Travel Insurance whether you’re in remission or not. We are able to provide cover for a wide range of cancers, including breast cancer, prostate cancer and skin cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide the cover you need. Find out more on our Travel Insurance with pre-existing condition page.

If I’m over 70, can I get Travel Insurance to cover mental health conditions?

Yes, if you’re over 70 and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. Mental Health Conditions fall under the bracket of pre-existing medical conditions and should be declared when getting a quote. Our over 70s Travel Insurance policies provide up to £15m medical cover and will provide the peace of mind you’ve got the right support if the unexpected happens. When answering our medical questions, you may be asked to call us – this is so we can explain the different terms for psychiatric conditions for each insurer and provide you with some options.

Do Just Travel Cover provide home insurance for over 70s?

While we specialise in Travel Insurance, we partner with Quotezone.co.uk to provide home insurance , including options for those over 70.

I am over 70 and need Ski Insurance for my holiday. Can Just Travel Cover help?

Yes, just add the ‘winter sports extension’ when getting a quote online or tell one of our sales advisors that you need winter sports ski cover when getting an over 70s Travel Insurance policy. Please note that we only offer the winter sports extension to travellers under 75. Quotes are based on your age, medical history, duration of trip and destination.

Over 70s Travel Insurance

• Compare multiple insurers
• Bronze, Silver and Gold are available
• Hundreds of pre-existing medical conditions covered
• Emergency medical expenses up to £15 million per person
• Cancellation cover up to £12,500 per person
• Increased cancellation up to £32,500 available up to 74 and £27,500 between 75-79)
• Baggage cover up to £3,000 per person

Compare Over 70s Travel Insurance Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all over 70s insurers

Medical Travel Insurance can save you a small fortune, particularly when it comes to cruising, where it’s not uncommon for unwell passengers to be taken on to dry land for medical treatment. Subsequent transportation to mainland hospital facilities and treatment can result in huge medical bills. Declaring all pre-existing medical conditions will ensure you have the correct insurance to cover you for unexpected costs.

We’re Here to Help

Our online quote and medical screening engine enables you to compare and Travel Insurance for over 70s quickly and easily. Cancellation cover starts immediately from the moment of purchase  (on single-trip policies ) for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for your next holiday.

Instant Cancellation Cover

Whether you’re over 70 or not, your cancellation cover (single trip policies) will start immediately.

Our online quote and medical screening engine enables you to compare and buy Travel Insurance quickly and easily.

Introducing Smart Luggage – a Just Travel Cover exclusive

Take the sting out of lost or delayed luggage with Smart Luggage: real-time payment of £50 if your luggage is delayed by 30 mins, and £500 if it is deemed lost after 48 hours – straight into your bank or PayPal account. Terms apply.

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