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
How do I compare ski insurance policies?
When comparing ski insurance, focus on: 1) Medical coverage amounts (minimum $500,000 recommended), 2) Whether off-piste/backcountry is included, 3) Helicopter evacuation coverage, 4) Equipment protection limits, and 5) Trip cancellation coverage. Use our comparison above to filter by your specific needs.
What's the best ski insurance?
The 'best' ski insurance depends on your skiing style and destination. For backcountry/off-piste skiers, look for policies with those activities explicitly covered. For resort skiing, most standard winter sports add-ons work well. Consider ratings, coverage limits, and price when comparing.
How much does ski insurance cost?
Ski insurance typically costs $50-$150 for a single trip or $300-$800 for annual multi-trip coverage. Costs increase if you need backcountry, off-piste, or heli-skiing coverage. Destination and trip length also affect pricing.
Do I need ski insurance if I have travel insurance?
Maybe. Many standard travel insurance policies exclude winter sports activities or only cover basic on-piste skiing. Check if your existing policy covers skiing, and whether you need to add a winter sports upgrade for coverage.
What does ski insurance typically cover?
Comprehensive ski insurance typically covers: overseas medical expenses, helicopter evacuation, search and rescue, trip cancellation/interruption, ski equipment theft or damage, lift pass refunds if injured, and personal liability. Activity coverage (off-piste, backcountry, etc.) varies by policy.
When should I buy ski insurance?
Buy ski insurance as soon as you book your trip to maximize trip cancellation coverage. Most policies cover cancellation from the date of purchase, so waiting means losing protection for early cancellation scenarios. You can usually buy up until your departure date.
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