Compare Ski Insurance
Compare 25 ski and snowboard insurance policies side-by-side. Find the right coverage for your trip.
How to Compare Ski Insurance
Check Activity Coverage
Not all policies cover the same activities. Verify your policy covers on-piste, off-piste, backcountry, heli-skiing, or terrain park based on your plans.
Compare Medical Limits
Medical costs vary dramatically by country. Ensure your policy has adequate coverage - minimum $500,000 for most destinations, unlimited preferred.
Read the Fine Print
Some policies require a guide for certain activities. Check the PDS (Product Disclosure Statement) for exact requirements and exclusions.
Consider Your Home Country
Insurance availability varies by where you live. Use the filters to see policies available to residents of your country.
Top Rated Policies
These policies have ratings of 4.5 stars or higher based on customer reviews.
Faye
Adventure & extreme sports (Medical Bundle 1D)
ReadySet
Snow Pack
All Clear
Winter Sports Premium
True Traveller
Winter Sports Pack
Insure&Go
Winter sports
Coverage by Activity Type
Ski Insurance Policies
Showing 25 policies
Faye
Adventure & extreme sports (Medical Bundle 1D)
Activities Covered
Key Coverage
🏥 Medical: $250,000 USD
🚁 S&R: Contact Provider
ReadySet
Snow Pack
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
All Clear
Winter Sports Premium
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not covered
True Traveller
Winter Sports Pack
Activities Covered
Key Coverage
🏥 Medical: £10,000,000 / €10,000,000
🚁 S&R: Up to £100,000 (Traveller Plus)
Important: Winter Sports add-on required for ALL activities including on-piste. Heli-skiing: no Accidental Disability coverage. Max age 76 single trip, 66 multi-trip.
Insure&Go
Winter sports
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
CoverMore (NZ)
Snow Sports (NZ)
Activities Covered
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
CoverMore (NZ)
Snow Sports+ (NZ)
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
FastCover
Snow Sports Plus
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
Tick
Winter Sports Cover
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
Butter
Snow Pack
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited (12 Months)
🚁 S&R: Contact Provider
Blue Insurance
International Premier (Snow Sports+)
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
Worldcare
Snow Pack
Activities Covered
Key Coverage
🏥 Medical: $20 million AUD
🚁 S&R: Contact Provider
AHM
Snow Sports Cover
Activities Covered
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
World Nomads
Explorer Plan (Adventure Activities)
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
Freely
Snow sports Boost
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
Global Rescue
Search & Rescue Membership
Activities Covered
Key Coverage
🏥 Medical: Not Covered — pair with travel insurance
🚁 S&R: Field-to-hospital rescue included
Important: Rescue membership, not travel insurance. Covers field rescue and medical evacuation to hospital. Does not cover medical bills, trip cancellation, or lost luggage. Best paired alongside a travel insurance policy.
Genki
Genki Traveler
Activities Covered
Key Coverage
🏥 Medical: €1,000,000 Euros
🚁 S&R: Not Covered
Genki
Genki Native (Premium)
Activities Covered
Key Coverage
🏥 Medical: Unlimited (€500,000/Year for 🇺🇸 and 🇨🇦)
🚁 S&R: Not Covered
TID
Snow Sports Cover
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
1Cover
Winter Sports Pack
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
CoverMore
Snow Sports
Activities Covered
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
CoverMore
Snow Sports+
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
Commbank
Snow Sports +
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
Insure4Less
Off Piste
Activities Covered
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: $5000 (Excel Plus)
NIB
Snow Sports Cover
Activities Covered
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Contact Provider
Frequently Asked Questions
What is the best ski insurance?
The 'best' ski insurance depends on your needs: For backcountry/off-piste: Look for policies with these activities explicitly covered. For resort skiing: Most winter sports policies work well. For value: Compare medical limits, ratings, and price. Our comparison above shows top-rated policies (4.5+ stars) to help you decide.
How do I choose the best ski insurance for my trip?
Consider these factors: 1) Activities you'll do (on-piste only, or off-piste/backcountry?), 2) Destination (USA costs more to insure), 3) Medical coverage limits (minimum $500k recommended), 4) Customer ratings and reviews, 5) Whether guide is required for advanced terrain.
Which ski insurance has the best coverage?
Policies with comprehensive coverage typically include: unlimited medical, off-piste and backcountry skiing, helicopter evacuation, search and rescue, equipment protection, and trip cancellation. Check our comparison above for policies offering the most extensive activity coverage.
What's the difference between cheap and premium ski insurance?
Premium policies typically offer: higher or unlimited medical limits, broader activity coverage (backcountry, heli-skiing), lower or no deductibles, 24/7 assistance, and better claims service. Cheap policies may have low medical limits ($50k-100k), exclude off-piste/backcountry, and have high deductibles.
Do expensive ski insurance policies include more activities?
Generally yes. More expensive policies tend to cover advanced activities like backcountry skiing, heli-skiing, and off-piste without requiring a guide. Budget policies often limit coverage to on-piste only or require guides for any off-piste skiing.
Should I get annual or single-trip ski insurance?
Get annual multi-trip if you ski 2+ times per year or take multiple trips. It's more cost-effective and provides year-round coverage. Get single-trip if you only ski once per year or for a specific extended trip. Annual policies typically cost $400-$800, while single trips cost $100-$250.
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