Ski Touring Ski Insurance
Compare 16 insurance policies that cover ski touring skiing and snowboarding.
Ski touring takes you into the backcountry using climbing skins to ascend peaks and ridges before skiing back down. Since ski touring happens in unpatrolled, avalanche-prone terrain outside resort boundaries, it requires specialized backcountry insurance. Standard ski policies typically exclude ski touring entirely.
Why You Need Ski Touring Coverage
- ✓ Helicopter evacuation from remote touring terrain (can cost $15,000-$50,000)
- ✓ Avalanche rescue and burial recovery operations
- ✓ Medical care for backcountry injuries in remote locations
- ✓ Extended search and rescue in difficult conditions
- ✓ Coverage for touring outside resort boundaries
Compare Ski Touring Ski Insurance Policies
Showing 16 policies with Backcountry coverage
Faye
Adventure & extreme sports (Medical Bundle 1D)
Activities Covered
Key Coverage
🏥 Medical: $250,000 USD
🚁 S&R: Contact Provider
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
Note: Backcountry coverage requires a certified guide with this policy.
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
Note: Backcountry coverage requires a certified guide with this policy.
Tick
Winter Sports Cover
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
Note: Backcountry coverage requires a certified guide with this policy.
Blue Insurance
International Premier (Snow Sports+)
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
World Nomads
Explorer Plan (Adventure Activities)
Activities Covered
With Guide
Key Coverage
🏥 Medical: Unlimited
🚁 S&R: Not Covered
Note: Backcountry coverage requires a certified guide with this policy.
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 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
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
Coverage Requirements for Ski Touring Skiing
● Medical Coverage
Minimum $500,000 USD recommended. Unlimited is better for serious injuries requiring extended treatment or repatriation.
● Evacuation
Helicopter evacuation must be explicitly included. Average helicopter rescue costs $5,000-$15,000 depending on location.
● Search & Rescue
Extended rescue operations coverage. Some policies have separate limits for search and rescue.
● Equipment Requirements
Many policies require: avalanche transceiver, probe, and shovel. Some require airbag packs and avalanche safety training (AIARE/AST Level 1+).
Frequently Asked Questions
Does ski insurance cover ski touring?
Ski touring requires backcountry ski insurance since it takes place in unpatrolled, uncontrolled terrain outside resort boundaries. Standard ski insurance typically excludes ski touring. Look for policies that explicitly cover backcountry skiing - these will also cover ski touring.
What's the difference between ski touring and backcountry skiing?
Ski touring IS backcountry skiing - it's the practice of skinning uphill and skiing down in the backcountry using touring bindings and skins. Some people use 'ski touring' to emphasize the uphill/fitness aspect, but from an insurance perspective, both terms refer to the same activity: skiing in uncontrolled terrain outside resorts.
Do I need a guide for ski touring insurance coverage?
It depends on your policy. Some insurers require a certified guide for backcountry/ski touring coverage, while others allow unguided ski touring if you have proper equipment (transceiver, probe, shovel) and training (AIARE, AST). Check each policy's specific requirements.
What equipment do I need for ski touring insurance?
Most ski touring insurance policies require: avalanche transceiver (beacon), probe, and shovel at minimum. Some also require an avalanche airbag pack and proof of avalanche safety training (AIARE Level 1 or AST 1). These are the same requirements as general backcountry skiing insurance.
Does ski touring insurance cover avalanches?
Yes, proper ski touring insurance (which is backcountry insurance) covers avalanche-related incidents including rescue, burial recovery, and medical treatment. However, you must meet safety equipment and training requirements for coverage to apply.
Is splitboarding covered by ski touring insurance?
Yes, splitboarding is the snowboarding equivalent of ski touring. Policies that cover ski touring and backcountry skiing typically also cover splitboarding, since it's the same activity with different equipment. Always verify with your specific policy.
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