Compare Ski Insurance
Compare 25 ski and snowboard insurance policies side-by-side. Find the right coverage for your trip.
Finding the right travel insurance winter sports coverage is essential for any ski or snowboard trip. Standard travel insurance policies typically exclude winter sports activities, leaving you unprotected if you're injured on the slopes.
This page compares a range of travel insurance policies that include winter sports coverage, helping you find the right protection for your ski or snowboard trip. Whether you're planning a resort holiday or an adventurous backcountry expedition, we'll help you find coverage that matches your needs.
How to Compare Ski Insurance
Check Winter Sports Inclusion
Not all travel insurance includes winter sports. Look for policies that explicitly mention 'winter sports', 'snow sports', or 'skiing' coverage. Some require an add-on, while others include it by default.
Verify Activity Coverage
Standard winter sports coverage often only includes on-piste skiing. If you plan to go off-piste, backcountry, or heli-skiing, ensure these activities are explicitly covered in your policy.
Compare Medical Limits
Medical costs in ski destinations can be extremely high, especially in the USA. Look for unlimited medical coverage or at least $500,000 USD. Some policies have lower limits that may not be sufficient.
Check Evacuation Coverage
Helicopter evacuation from ski slopes can cost $5,000-$15,000. Ensure your travel insurance winter sports policy includes adequate evacuation coverage, especially if you're skiing in remote areas.
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 travel insurance winter sports coverage?
Travel insurance winter sports coverage is an add-on or included feature that covers skiing, snowboarding, and other winter activities. Standard travel insurance typically excludes winter sports, so you need to either purchase a policy that includes it or add a winter sports add-on to your existing policy.
Do I need travel insurance for winter sports?
Yes, if you're planning to ski or snowboard, you should have travel insurance that specifically covers winter sports. Standard travel insurance policies typically exclude skiing and snowboarding, so you'll need either a specialized policy or a winter sports add-on.
What does travel insurance winter sports cover?
Travel insurance winter sports typically covers: medical expenses for skiing/snowboarding injuries, helicopter evacuation from slopes, search and rescue operations, trip cancellation if you can't ski due to injury, ski equipment theft or damage, and lift pass refunds if injured. Coverage varies by policy and activity type (on-piste, off-piste, backcountry, etc.).
How much does travel insurance winter sports cost?
Travel insurance winter sports typically costs $50-$150 for a single trip or $300-$800 for annual multi-trip coverage. Costs increase if you need coverage for off-piste, backcountry, or heli-skiing. Premiums also vary by destination, trip length, and your age.
Does travel insurance cover skiing accidents?
Yes, travel insurance with winter sports coverage covers skiing accidents, including medical treatment, evacuation, and repatriation. However, you must have the winter sports add-on or a policy that includes it. Standard travel insurance typically excludes skiing-related injuries.
What's the difference between travel insurance and ski insurance?
Ski insurance is typically a specialized form of travel insurance that focuses on winter sports coverage. Some providers offer dedicated ski insurance policies, while others offer travel insurance with winter sports add-ons. Both provide similar coverage, but ski-specific policies may have more detailed activity coverage options.
Can I add winter sports to existing travel insurance?
It depends on your provider. Some travel insurance policies allow you to add a winter sports add-on when purchasing or renewing. Others require you to purchase a new policy that includes winter sports coverage. Check with your provider or compare policies that include winter sports from the start.
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