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Winter sports travel insurance has to be added when you take out your policy, if you’re planning on doing winter activities. A standard policy won’t protect against a number of situations you might experience on the slopes. It’s important to find the right level of cover to make sure you’re protected if something unexpected happens.
Add winter sports cover to your travel insurance for peace of mind during your trip. Cover normally includes:
Accidents happen, but winter sports cover can help to cover the cost if you experience a medical emergency on the slopes.
Winter sports cover can help towards costs if your personal or hired equipment is lost, damaged or stolen.
In the event the mountain is closed, you could claim back some compensation.
If you’re affected by an avalanche or landslide, you could claim money back for transportation and accommodation.
The cost of winter sports cover changes based on your needs. This might include:
The price of travel insurance rises as you get older. This is because there’s a greater risk of injury and illness. At PayingTooMuch, you can compare specialist cover for over 50s, 60s and 70+ at a price that fits your budget.
Pre-existing medical conditions can increase the cost of your travel insurance policy. PayingTooMuch specialises in cover for medical conditions, to make sure you can find the right policy, at a price that’s fair.
Winter sports cover in certain countries can be more expensive. This is because their healthcare system is more expensive or there’s a higher risk of natural disasters.
The longer you’re on holiday, the more likely it is you’ll need to make a claim. For that reason, it will be more expensive the longer you travel.
The winter sports add-on can cover you for well-known winter sports, including on-piste skiing and snowboarding. But it also includes some lesser-known activities such as:
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
Most winter sports travel insurance doesn’t cover extreme winter sports because there’s a higher risk of injury. This might include:
- Off-piste skiing or snowboarding in unauthorised areas
- Ski jumping
- Freestyle skiing
Some insurers will offer cover for certain extreme sports and activities if a helmet is worn, so it’s important to read the small print before you buy.
Our insurers offer cover for most countries in the world. This includes:
- The UK and European countries, including non-EU member states
- Worldwide cover
For some countries, such as the USA, travel insurance will be more expensive. This is because medical costs can run into hundreds of thousands of dollars. That’s why it’s important to make sure you have the right type of cover in case something goes wrong.
You can add winter sports cover when you take out an annual multi-trip policy. If you’re planning more than one holiday, it's a great way to save money.
There will be limits on how long each trip can be, and how many days you’ll be covered for winter sports. Make sure you check those details before you buy.
If you’ve already got an annual policy but didn’t take out winter sports cover, you’ll need to get a new annual or single trip policy so that this is included.
If you’re travelling as a couple or with family and friends, a joint policy could work out cheaper. And if you’re taking more than one trip, an annual multi-trip policy could be better value for money. Use our quick price comparison to compare prices and find the right cover for you. You can find out what to look for in winter sports cover in our guide.
You can buy winter sports travel insurance as soon as you book your trip. That way, you’ll be covered if it’s cancelled or you can’t go.