winter sports travel insurance uk

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Ski Insurance

Grab some air and a great deal for your winter break, 5 star travel insurance from admiral, 5 star rated platinum level travel insurance.

Our Platinum level cover has Defaqto's 5 Star rating.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Do I need ski travel insurance?

Adventure sports and winter sports are often not covered by a standard travel policy, so you may need to get specialist cover – like Admiral's Winter Sports Upgrade.

Not only will you get the standard protection against:

• Lost or stolen luggage
• Medical treatment expenses
• Cancellation cover

You're also covered for:

• Lost, stolen or damaged ski equipment
• Piste closure
• Delays caused by avalanche

If you're only planning on skiing once a year, Admiral's single trip cover with the Winter Sports add-on may suit you.

If you want annual ski travel insurance for more than one break in the season, take a look at our annual cover with the Winter Sports add on. This would cover you for every holiday you take in a year, up to 31 days per trip. However, bear in mind you can only do a maximum of 21 days of winter sports throughout the year in total during the policy term .

What's covered by ski travel insurance?

Whether you’re an experienced skier or a nervous beginner, you can enjoy your trip knowing you don’t have to worry about having the right cover in place.

You can choose from three levels of cover to suit your budget and needs:

Is my equipment protected with travel insurance?

Sports equipment isn't often covered by standard travel insurance policies. If you're insured with Admiral, you just need to add our Winter Sports upgrade to your travel insurance to get protection against damage to your own, or hired, equipment.

You'll be covered up to a maximum of £1,000 for your equipment (depending on the level of cover you choose.)

We also pay up to £25 (per complete 24 hours) towards the cost of hiring replacements (up to a maximum £250 per person), if yours is delayed more than 12 hours following your arrival at your destination or is lost, stolen or damaged during your trip.

Our ski and snowboarding insurance upgrade will help you out if an unforeseen slope closure happens during your break (pistes must closed for more than 24 hours) and protects against delays caused by an avalanche (cover limits apply).

What's classed as a winter sport?

Winter sports insurance gives protection for you to enjoy a whole host of activities on your holiday including:

• Piste skiing
• Snowboarding
• Glacier walking/trekking
• Tobogganing

Please check your policy document for a complete list of all activities we cover.

Travel insurance covering off-piste skiing

Our winter sports insurance add-on covers adventurous off-piste skiers and boarders as long as it’s on recognised paths within resort boundaries and accompanied by a qualified guide or instructor.

Ski insurance - Europe

Any skier and snowboarder will know there are incredible resorts to hit the slopes around the world, but in 2018, Europe was hit with unprecedented amounts of snow and saw many popular resorts opening the lifts early. The glacier pistes of Val-d'Isère opened in June.

So if you want to check out what Europe has to offer – and there's a lot – you'll need to select our European Travel Insurance with the Winter Sports add-on. You'll be covered in all the top resorts such as France's Meribel, Val, La Plagne, and Courchevel, Italy's Cervinia and Zermatt in Switzerland to name a few.

Ski insurance - Canada and America

If the powdery slopes of Canada or America are calling you, you'll need worldwide cover , with the winter add on.

Ski insurance - Japan

Our final cover zone is worldwide excluding USA, Canada & Caribbean, so if Japan is taking your fancy – Niseko is often touted as a powder hound's paradise – this option with winter sports insurance added will get you onto the mountains with the right cover in place.

What happens if my skiing or snowboarding holiday is cancelled?

Depending on the level of cover you choose for your ski or snowboarding insurance – Admiral, Admiral Gold or Admiral Platinum – you could get up to £5,000 to cover the costs of your trip, in the unfortunate event of it being cancelled for any of the following reasons:

• Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone outside your home area you planned to stay with
• Court cases and quarantine if you or your travel companion, or anyone outside your home area you planned to stay with, is quarantined, called for jury service or as a witness and a court official refuses to postpone
• Unemployment if you or your travelling companion is made redundant from the company you’ve worked at continuously for at least two years
• Armed forces and emergency services if you or your travel companion has authorised leave cancelled due to an unexpected emergency
• Home damage you or your travel companion have to stay at home if it’s seriously damaged by a fire, storm or flood or is burgled within seven days of your departure
• Passport or visa your passport or visa is stolen in a burglary at your home in the seven days before your departure and you’re unable to get a replacement in time

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

How do I get a quote?

You can call 0333 234 9913 for an Admiral Travel Insurance quote and ask to add on Winter Sports insurance upgrade, or you can buy online and select 'Winter Sports Upgrade'.

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Do you need winter sports insurance for trips to Lapland?

If you plan on taking part in any of the activities listed above, such as husky sledge driving, you will need to add the upgrade onto your Admiral Travel Insurance policy

Are there any age restrictions for ski insurance?

We don’t offer the upgrade to anyone over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Am I covered to ski or board off-piste?

You can go off-piste provided you go with a qualified guide or instructor and remain on recognised paths, within resort boundaries

Does winter sports cover me anywhere in the world?

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to. Information from the FCDO can be found at www.gov.uk/foreign-travel-advice or by calling 020 7008 1500 .

What's covered if the piste closes?

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort due to lack of snow or bad weather (up to a maximum of £200). This can be used to cover travel expenses to the next open resort or to compensate you if there are no slopes nearby.

Are all winter sports covered?

Our Winter Sports Upgrade covers the following activities: cross country skiing, dry slope skiing and snowboarding, glacier walking/trekking, husky sledge driving, ice hockey, mono-skiing, snowmobiles, sledging, snowshoeing and tobogganing. If you want to take part in an activity not on the list please call us on 0333 234 9913 to discuss.

Am I covered if I’m injured on the slopes and not wearing a helmet?

You won't be covered for any head injuries that happen on your winter sports holiday if you weren't wearing a helmet. We always recommend wearing a helmet for winter sports.

Are lift passes covered?

Unused lift passes due to illness or injury are covered but you can't claim for lost or stolen lift passes

Is mountain and helicopter rescue included?

Yes, our add-on covers mountain and helicopter rescue in the event of injury or illness; search and rescue isn't covered.

Do under 18s need ski insurance?

Yes they do, you can add a child onto a parent or guardian's cover. Take a look at our Family Travel Insurance page for more information.

Can seasonaires buy the winter sports upgrade?

While there's no restriction on seasonaires buying our cover, the add-on's limited to 21 days in total so we couldn't cover a seasonaire for the entire season.

What’s the age limit on winter sports cover?

We cover people up to and including 75 years old in Europe, or 70 years old everywhere else.

What does winter sports travel insurance cover?

Our winter sports travel insurance upgrade covers:

• Delay caused by avalanche
• Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Can I take out a family winter sports insurance policy?

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under 18.

You can add up to two adults and a maximum of five children to the cover. Simply add on our winter sports upgrade for cover on the slopes.

Do I need travel insurance for skiing in Bulgaria?

Yes you’ll need to add our winter sports upgrade onto our European Travel Insurance for any skiing holidays in Bulgaria.

Do I have Personal accident and Personal liability for my Winter sports trip activities?

We cover personal accident up to the policy limits and personal liability cover up to £3 million, for winter sports activities listed in the winter sports cover section of our policy wording except Snowmobile/Ski-Doos which excludes personal accident and personal liability cover. Please note, this cover cannot be added to the Snowmobile/Ski-Doos activity for an additional premium.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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• Winter Sports Travel Insurance

Ski and winter sports travel insurance

Whether you’re a regular skier or a complete beginner, accidents can happen on the piste.

Make sure you’re covered by adding mandatory winter sport protection to your travel insurance package. For an extra premium, you’ll be insured for injury, and lost, stolen or damaged equipment. It may even cover you for personal liability or personal accident. Terms and conditions apply.

Protection for skiing and snowboarding, on and off piste

Our winter sports cover gives you extra protection. We'll cover you for a variety of things, including:

• Off-piste skiing and snowboarding (within resort boundaries and in recognised areas)
• Lost, damaged or stolen ski equipment
• Piste closures

So before you hit the slopes, be sure to have all your cover in place. And then you can enjoy the thrill of the downhill.

What’s covered?

Add the winter sports cover option to any Post Office Travel Insurance policy for this extra protection. The cover will cost you an additional premium.

Skiing, snowboarding, airboarding and more

It’s not just skiing and snowboarding. Whether it’s ski-blading, airboarding, skidooing, tobogganing or even snowmobiling, there are plenty of winter sports we can cover you for (1), off piste as well as on (2)

Emergency medical support and evacuation

Your policy includes access to an emergency medical helpline 24 hours a day, 7 days a week. You're also covered for repatriation to your home country

Lost, damaged or stolen equipment 

Whether you’ve your own equipment or you’ve hired some, we can cover loss, theft or damage. Terms and conditions apply. Check out our policy wording for details

Piste closure

It can be fun to go up the mountain when the weather’s heavy, but when there’s no snow at all, there’s no point. If the piste is closed because there’s no snow, you could make a claim

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Choose a travel insurance cover level

The table shows the maximum cover limits available with ski and winter sports cover for each of our cover levels. You can add ski and winter sports cover for an additional premium.

Policy wording

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

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Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

What is winter sports travel insurance.

Taking part in winter sports can carry much higher risks than those you'll face on other types of holiday. It’s important to make sure that, as well as taking part in winter sports safely and responsibly, you have cover in case something goes wrong. This cover also provides protection for things that can happen to your equipment, such as loss, theft or damage.

Why add winter sports cover?

Whether you have your own equipment or you’re hiring it, replacements can be expensive if they have to come out of your pocket. If you're going on a trip involving winter sports, then adding this cover is mandatory.  It's not just your equipment that needs to be covered but you as well. We can help you if you’re taken ill while on the mountain or get injured, and if the weather decides to dry up and there’s no snow on the piste, we can help restore the balance. 

Isn’t my Ghic or Ehic card enough protection?

UK citizens travelling in EU countries can access some state-provided healthcare there for free or at a reduced cost. You'll need a UK Global Health Insurance Card (Ghic) or, if it’s still in date, a European Health Insurance Card (Ehic).

Remember, neither card covers any additional cost to return you to the UK or for a relative to stay or fly out to be with you. In a medical emergency you may have no control over the hospital you are taken to or the closest hospital may be private. But medical travel insurance may be able to cover some of the cost for you.

Also, Ehic no longer provides access to healthcare services in Iceland, Liechtenstein, Norway or Switzerland for UK nationals in most cases.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

Travel insurance policy types

Single-trip cover.

Single-trip Travel Insurance

• Cover for a one-off trip in the UK or abroad
• Perfect for one-off trips or longer holidays of up to 365 days (3)
• No age limit 

Annual multi-trip cover

• Cover for multiple-trips for a 12-month period 
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months 
• Option to return home for up to 7 days on 3 occasions. 
• For people aged 18 – 60 wanting to travel the world for a gap year or career break 

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Limitations may apply.

(2) Within recognised resorts and boundaries.

(3) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

365 days for those aged up to and including 70 years

90 days for those aged between 71 and 75

31 days for those aged 76 years and above

• Single Trip
• Annual Multi-Trip
• Winter Sports & Ski
• Collision Damage Waiver
• Sport & Leisure
• Medical Conditions
• Travel Insurance for Non-UK Residents

Group Travel Insurance

• Travel Insurance for Couples
• Covid-19 travel insurance
• About Our Travel Insurance
• Holiday Cancellation Insurance
• Emergency Medical Assistance Cover
• Emergency Medical Cover for Travel Insurance
• Repatriation Insurance
• Baggage Cover
• Travel Insurance for Under 18s
• Comprehensive
• What's Covered
• Excluded Vehicles
• Range Rover
• Car Hire Excess Insurance
• Policy Information
• File a Claim
• Insurance Glossary
• Coronavirus - Annual Multi-trip Policy

Winter Sports Travel Insurance

• Unlimited access to HealthHero - our 24/7 video or telephone GP helpline based in the UK.
• Providing cover if your ski equipment is damaged, stolen, lost or destroyed on your trip. This includes equipment you own and equipment you’ve hired.
• Covering the cost of extra transport and accommodation if you cannot reach your destination or get back home because of an avalanche.
• Protection against the closure of ski lifts, ski schools and piste at your resort due to weather.

What is Winter Sports and Ski insurance? 

What does our winter sports & ski travel insurance cover.

With our ski insurance add-on, you receive the same level of protection you get with our standard travel insurance policies, but with additional cover for unique risks associated with winter sports. You can add winter sports cover to your policy to protect yourself and your equipment when taking part in sports like skiing and snowboarding.

With our ski travel insurance, you get all the great benefits of our Silver or Gold policies, depending on which level of winter sports insurance cover you choose. You can choose either a Single Trip policy, an Annual policy or a Backpacker   policy, depending on how you travel. These policies will include cover for:

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**

We no longer be offer travel insurance policies to cover people's pre-existing medical conditions. This is only a temporary measure due to the improvements we are making to our online booking engine. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

Our Winter Sports and Ski add-on gives you even more cover. In addition to the above, you’ll be protected against:

• Avalanche closure: We’ll cover the cost of extra transport and accommodation (up to your payment limit) if you cannot reach your destination or get back home because of an avalanche.
• Ski-pack costs: If you have to cancel your trip, cut it short or you cannot ski due to injury or illness, we’ll cover your ski-pack costs up to the amount shown in your policy documents. This includes the cost of hired ski equipment, ski-school fees and lift passes.
• Delayed ski equipment: We’ll provide cover for alternative ski equipment if yours is stolen or delayed for more than 12 hours from when you arrive at your destination.
• Ski equipment: We’ll provide cover if your ski equipment is damaged, stolen, lost or destroyed on your trip. This includes equipment you own and equipment you’ve hired.
• Piste closure: If the ski lifts and ski schools at your resort are closed because of the weather, we’ll pay up to the amount shown in your schedule for the cost of extra transport or lift passes to let you ski or snowboard at another resort; or as compensation if no other resort is available.
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

Our Winter Sports & Ski add-on gives you even more cover

Swipe to view more

Annual Multi-Trip Silver with Ski

Single trip gold with ski, backpacker with ski, frequently asked questions.

When you head away on a skiing or winter sports holiday, you’ll likely encounter risks that you wouldn’t on a regular trip; these things aren’t usually covered by a standard travel insurance policy.

But, with specialist winter sports travel insurance, you’re covered against things like piste closure, avalanches and emergency medical expenses. Plus, your equipment is covered, so there’s no need to worry about it getting lost or damaged.

Whether you’re taking on the thrill of a Black Run in Klosters or snowboarding in Whistler, our winter sports insurance covers you, so you can test your skills or learn a new hobby with confidence.

The best winter sports insurance policies cover you for far more than just skiing. When you purchase our Winter Sports and Ski add-on, you’ll be covered for the following activities – providing that you’re not taking part as a professional, or as part of a race or competition:

• Bigfoot skiing
• Cross-country skiing
• Glacier skiing
• Mono-skiing
• Snowboarding
• Snowblading
• Tobogganing

Please note that off-piste skiing and snowboarding are only covered by our winter sports travel insurance policies when you are skiing within the ski-area boundaries of a recognised ski resort, and following ski-patrol guidelines.

Whether you’re looking for travel insurance for skiing in France or somewhere further afield, at Allianz Assistance, we’ve got you covered.

If you’re looking for travel insurance for skiing in Europe, select the European country you're travelling to for our Single Trip cover.

For our Annual policy, you should choose our ‘Europe’ cover. This means you’re covered in the European countries listed in our policy documents, so you’ll get to enjoy some of the most popular places in the world for a winter sports break – like St. Moritz in Switzerland, Borovets in Bulgaria and Chamonix in France.

If you choose ‘Worldwide (excluding USA and Canada)’, the area of cover is anywhere in the world except the USA and Canada. This is a great option if you’re looking to travel to some of the world’s most impressive resorts, like the four ski resorts within an easy drive of Queenstown, New Zealand. If you prefer, you can even take a holiday to Niseko in Japan, which is widely regarded as being one of the snowiest places on the planet. 

If you choose ‘Worldwide (including USA and Canada)’, the area of cover is any country in the world, so you can explore far-flung ski resorts like Whistler Blackcomb in Canada. 

Although the European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) can currently help to protect you on your break, it doesn’t offer comprehensive cover.

For example, neither your EHIC nor your GHIC will cover the cost of medical treatment in a private hospital, mountain rescue or repatriation to the UK. As a result, if you don’t have winter sports cover and you have an accident in a ski resort, you’ll have to pay for mountain rescue and repatriation to a UK hospital, which could cost tens of thousands of pounds. 

We’re sure that you’ll take all possible precautions before you hit the slopes, but unfortunately accidents do still happen. So, before you embark on your winter sports holiday, you should pack your EHIC or GHIC and consider taking out travel insurance too. This way, even if something does go wrong, you’re covered. 

Winter sports safety tips

Taking part in winter sports like skiing and snowboarding comes with some risks, so make sure you take steps to prevent accidents on the slopes.

• Wear a helmet - Protect yourself from serious head injuries when taking part in winter sports, many ski resorts make helmets mandatory for these activities
• Wear appropriate clothing - You'll want to invest in a good waterproof ski jacket and trousers to keep you warm enough and to help you stay dry when you land in the snow.
• Stay in the roped areas - Going outside of the designated resort boundaries can put you at risk of getting lost or caught in an avalanche, especially if you're inexperienced.
• Wear sunscreen - Though most of your body will be covered, you'll want to avoid the dreaded skier's sunburn on your face so be sure to keep topping up the sun lotion for any exposed areas.

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Looking for more cover? Here's what else we offer:

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Family Travel Insurance

Travel Insurance for Medical Conditions

Sports & Leisure Travel Insurance

Popular ski and winter sports destinations

Travel Insurance for Bulgaria

Travel Insurance for France

Travel Insurance for Europe

Policy documents

You'll need your policy number to submit your claim to us. This is available in your certificate of insurance which is sent to you when you take out cover. 

It's a good idea to take your policy information with you on your trip so you can provide us with all the necessary details in order for us to help.

Claims assessment

Once we receive your claim, it'll be assessed by our experienced team. 

To speed up the assessment of your claim please make sure to include all applicable information and evidence such as receipts, booking confirmations, hotel reservations and crime reference numbers. If you fail to provide all the necessary information this will cause a delay in processing your claim. 

Your claims outcome

Once our team has assessed your claim we'll be in touch with you via your preferred contact method to confirm the outcome and inform you of any next steps.

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Make A Claim?

Policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

  Call us on 01494 484800 Open Mon - Fri | 9:00 - 5:30

Award-Winning, Flexible

WINTER SPORTS TRAVEL INSURANCE

• Worldwide winter sports travel insurance
• Cover for pre-existing conditions
• Protection for skiing , snowboarding & more

Winter Sports Travel Insurance, underwritten by AXA XL.

10% OFF ONLINE*

Independent Service Rating based on 4633 verified reviews.

Underwritten by

Underwritten by AXA XL

Our winter sports travel insurance policy options.

Put simply, we offer three different policy options…

1. Travel Insurance

Going abroad to take part in a winter sport? Our Winter Sports Travel Insurance provides cover for over 500 sports and includes cover for emergency medical and repatriation costs, trip cancellation and much more.

2. Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank or buildings society, but it does not include cover for winter sports, we can provide a bolt-on style of protection.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you whilst taking part in a winter sport in the UK. The policy provides a range of benefits including personal liability and income protection.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Winter Sports Travel Insurance

Join thousands of winter sports enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose our Winter Sports Travel Insurance

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What is Winter Sports Travel Insurance?

Our Winter Sports Travel Insurance is designed to financially protect sports enthusiasts who are participating in a variety of winter related sports and activities abroad.

Whether you are looking for specific skiing insurance , snowboarding insurance , off-piste or ice-skating cover, at SportsCover Direct we can offer comprehensive insurance that will protect you whilst you are on the slopes.

Our Sports Travel Insurance policy includes cover for medical and repatriation costs, trip cancellation and curtailment, plus it can insure any lost, stolen or damaged skiing or sports equipment whilst on your trip.

You can choose the level of winter sports cover, that best suits your requirements, for example select a single or annual multi-trip basis. Compare prices when you g et an instant quote for Winter Sports Cover.

Ensure you’re correctly covered before you hit the slopes!

What’s included with our Winter Sports Insurance?

Due to the nature of these sports, there are risks attached to yourself and others, so it is worth ensuring you have appropriate insurance to cover unexpected incidents. Our Winter Sports Insurance cover will include:

• Emergency Medical Expenses & Repatriation
• Cancellation & Curtailment
• Personal Accident cover
• Personal Liability
• Delayed, lost or stolen baggage
• Activity & Race Entry Fees

What winter sports are covered?

A comprehensive winter sports travel insurance policy will cover multiple winter sports, p opular sports include:

• Skiing (on and off-piste)
• Snowboarding (on and off-piste)
• Snowshoeing 
• Cross-country skiing 
• Ski Touring

Insurance for adventure sports

As an adventurous traveller, you may want to include multiple sports in your policy. As well as a Winter Sports policy, you can also select from over 500 specialist sports such as adventure travel insurance and extreme sports insurance, depending on the selection of activities you need.

You can also choose our Activity Top-Up insurance , this applies if you want short term cover for a one-off activity such as paragliding or snowmobiling that isn’t covered on your standard policy. 

Frequently Asked Questions

Standard travel insurance policies do not always cover winter sports and activities. Our Winter Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as skiing, dog sledding and ice climbing.

Our Winters Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own winters sports equipment, but also any gear you hire during your trip. It also covers your winter sports equipment in transit to and from your destination.

Yes, our Winter Sports Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our winter sports travel insurance online up until 74 years old. Above this age you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

Get an instant quote and buy  online now!

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, winter sports travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Whether you’re skiing, snowboarding or tobogganing, winter sports travel insurance will bring some peace of mind to your wintry getaway. We cover potential issues that are exclusive to winter sports, such as lost or damaged equipment, closed pistes and medical evacuation from the mountain. That’s one less thing to think about when planning your ski trip!

What is winter sports travel insurance and do you need it?

Winter sports travel insurance is a specific type of travel insurance that covers the increased levels of risk that come with winter sports. Winter sports are typically activities like skiing, snowboarding or tobogganing.

Winter sports holidays are exhilarating, but there is no doubt that they come with a certain amount of risk. Accidents on the mountain come with an increased level of complexity to treat, which often makes them very expensive.

• More than 200 significant winter sports-related injuries are reported each year, according to the ABTA.
• 12% of people aged 25-34 have gone on a winter sports trip with someone who has a major injury from the slopes, such as a broken bone or concussion, which has landed them in hospital .

Regular travel insurance policies cover accidents and injuries, but they will not cover the high-risk activities of winter sports. Therefore, if you’re injured while skiing or snowboarding, you may not be covered. This makes getting specific winter sports travel insurance incredibly important.

Which winter sports are covered?

Our winter sports travel insurance includes a range of different activities, from skiing and snowboarding to bobsleighing and tobogganing. 

Here’s a list of all the winter sports activities we cover:

• Snowboarding
• Off-piste skiing/snowboarding (except where considered unsafe by resort management)
• Cross country skiing
• Freestyle skiing*
• Mono skiing
• Recreational/non-professional ski racing or training*
• Ski acrobatics*
• Ski bob racing*
• Ski/snowboard fun parks*
• Ski stunting*
• Ski touring with a guide
• Bobsleighing*
• Glacier walking or trekking under 2,000m altitude
• Ice climbing under 100m (fully supervised)*
• Ice fishing
• Ice hockey*
• Snowmobiling*
• Tobogganing

Note: Unfortunately, there is no cover for ski flying, ski jumping or ski mountaineering. For the activities marked with an * above an increased medical excess of £250 will apply and there will be no cover under the personal accident or personal liability sections of the policy. See our policy wording for more details.

What else does InsureandGo’s winter sports travel insurance cover?

What’s covered.

Your travel insurance policy with winter sports added includes:

• Emergency medical expenses
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Our 24-hour emergency assistance team , available to call, day or night

What’s not covered?

We strive to provide as much cover as possible. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our winter sports travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

We will consider all pre-existing medical conditions, find out more about medical travel insurance . 

The excess and amount of cover available varies depending on the level of travel insurance for winter sports you buy. Make sure you check the policy wording to see the full terms and conditions.

To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

Age restrictions

We’ll cover anyone up to the age of 65 for winter sports around the world.

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions. If you’ll be taking away something a bit more expensive you can add our valuables extension .

Lost, stolen or damaged items

Our winter sports travel insurance policies cover all skis, poles, snowboards, boots & bindings. We’ll cover lost, stolen or damaged items, even if they’re stolen out of a ski rack (between the hours of 10am – 8pm). We’ll also cover costs to hire equipment if yours is lost, stolen or damaged.

Unfortunately, we can’t cover lost, stolen or damaged items that are left unattended. We also can’t cover lost, stolen or damaged items that are not reported to the police within 24 hours.

Trip length

Winter sports cover for a single trip will last the whole length of your stay. If you add winter sports cover to an annual multi-trip policy, this will only cover you for 17 days of snowy fun.

The best travel insurance for your winter sports trip

Winter sports cover is added to your travel insurance policy. Not sure what you need? 

• Heading to the Alps? Our Europe travel insurance will have you covered, even if you accidentally ski over the border into another country. 
• Going slightly further afield? Our worldwide travel insurance might be what you need if you’re heading to destinations like the Rockies or Whistler. 
• Doing multiple snowy getaways this year? Our multi-trip annual travel insurance policies will cover you for up to 17 days of wintery fun. 
• Not skiing or snowboarding? Don’t worry. Our winter sports policies cover most winter sports, including ice fishing, bobsleighing and snowmobile rides. 
• Don’t want a pre-existing medical condition to stop you? It won’t. Our pre-existing medical condition travel insurance covers over 1,300 pre-existing conditions, many at no extra cost. 
• We can be as flexible as you need. Already got a policy and need to add winter sports cover? No worries. You can manage your policy online or give our team a call .

Choose a cover level to suit your travel needs

Winter sports insurance for travellers with pre-existing medical conditions.

Just like with every other type of trip, it’s important to make sure you have adequate travel insurance for medical conditions . We’ll consider cover for any medical conditions which are declared to us, even while you’re on a winter sports trip. However please be aware that some conditions, such as osteoporosis may not be covered while you’re taking part in winter sports.

We consider something to be a pre-existing condition if you have: 

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before buying a winter sports travel insurance policy, you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening.

Which destinations are covered by our winter sports insurance?

We offer winter sports travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean).
• Worldwide .

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book our winter sports insurance

We know planning your winter getaway can be complex, so we make getting winter sports travel insurance as simple as possible:

1. Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2 . Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.

“Getting a robust winter sports travel insurance policy is so important before heading out. Nobody wants to be airlifted off the side of the mountain, but it’s even worse if you’re paying for it directly. Our winter sports travel insurance policies cover you for that, as well as any lost or damaged equipment, or even if the piste is closed. That leaves you free to enjoy your winter sports break, stress-free.” Russell Wallace – Travel insurance expert

Our reviews speak for themselves

Our high reviews reflect our quality of service. See what our customers are saying about us.

Frequently asked questions on winter sports travel insurance

How much does winter sports travel insurance cost.

There is no standard cost for winter sports travel insurance. The exact cost of your winter sports travel insurance will vary depending on the length of the trip you’re taking, where you’re going, whether or not you have any pre-existing medical conditions, any activities you’ll be doing, and any additional cover you might need.

Can I get winter sports insurance without travel insurance?

Unfortunately, we do not offer winter sports insurance without travel insurance. To get winter sports insurance, you need to add this specific type of cover to either a single trip or annual multi-trip policy. 

Please be aware that winter sports travel insurance for a single trip will last the whole length of your stay, but is limited to 17 days per year on annual policies.

What to look for in winter sports insurance?

In general, you should look for winter sports travel insurance which provides cover for

• Medical costs while taking part in your chosen activity
• Costs to return you to the UK if medically necessary
• Lost, stolen or damaged ski equipment
• Piste closure
• Cancellation or curtailment

Every provider offers different cover for winter sports, and you should always check to make sure that your policy meets your specific needs.

Is equipment included in winter sports travel insurance?

Yes. All InsureandGo policies with winter sports travel insurance added will cover equipment lost, stolen or damaged, as long as it is not left unattended in a public area. We cover all skis, poles, snowboards, boots & bindings. 

If your skiing equipment is lost, stolen or damaged, we’ll cover it – even if it’s stolen out of a ski rack (between the hours of 10am and 8pm). We’ll also cover the costs of hiring new equipment. 

When should I buy winter sports travel insurance?

You should buy your winter sports cover as soon as you book your winter sports trip, or as soon as possible. Remember that your winter sports travel insurance will only be valid if you have bought it before you leave the UK.

Are there age limits for winter sports insurance?

Unfortunately, our cover for winter sports is only available to people 65 and under (at the time they buy the policy).

How to claim on your InsureandGo winter sports travel insurance

As soon as you know you want to make a claim:

• Contact the claims handlers.   You can either do this online or give us a call
• Gather as much evidence as possible upfront to speed up the process
• Complete the claim form carefully. I nclude any copies of relevant paperwork, such as receipts or medical certificates.  
• Submit the claim. Make sure to keep a copy for yourself. 

Note: Be sure to check the fine print on your policy before claiming. You’ll want to check that you’re within the time limits for making a claim and how much your excess is.

Will GHIC cover me for winter sports?

The GHIC , formerly known as the EHIC or E111, is a medical card that entitles you to free or reduced-cost medical treatment while in Europe. While the cost of medical treatment is reduced or free in some countries, it does not cover anything outside of this, such as airlifting to the hospital.  The GHIC is not an alternative to winter sports travel insurance and does not cover the cost of repatriation if you need to be flown back to the UK. The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country.

 Do I need winter sports insurance for trips to snowy countries?

If you’re planning a snowy getaway, winter sports travel insurance might be sensible – even if you’re not planning on skiing. Remember that winter sports travel insurance covers more than just skiing. If you fancy a snowmobile ride, dog-sledding or a reindeer trip, regular travel insurance policies won’t cover you in case of an emergency or mishap.

What is considered off-piste for travel insurance?

Typically, an area that is considered off-piste for travel insurance is any area that is between the piste-bashed runs. These areas are often unmanaged terrain and can be easily identified by looking at the boundaries on the resort’s map. 

At InsureandGo, we cover off-piste skiing and snowboarding as standard unless the area has been designated as unsafe by the resort.

Who can buy an InsureandGo winter sports travel insurance policy?

All our winter sports travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our winter sports travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Specialist winter sports travel insurance

Planning a winter sports holiday? Look no further… 

In addition to the comprehensive cover benefits of Leisure Guard Travel Insurance, optional winter sports cover is available.

• Simply add Winter Sports Cover to your Travel Insurance policy when you start your quote
• Cover for Ski Equipment and Ski Equipment Hire
• Piste Closure
• Avalanche and Landslide Cover

If you’re planning a winter sports trip make sure you have the right levels of protection in place. Leisure Guard Winter Sports covers you for an array of winter sports including, snowboarding, skiing, tobogganing, bob sledging and many more.

If you purchase the winter sports upgrade on an annual multi trip policy and have paid the additional premium you will have winter sports cover for up to 17 days.

Leisure Guard’s optional winter sports cover includes:

• Ski, ski equipment and ski pass loss (up to £2,000)
• Ski equipment delay (£20 per complete 24 hours, up to a maximum of £200)
• Piste closure (£20 per complete 24 hours, up to a maximum of £240)
• Avalanche or landslide (£20 per complete 24 hours, up to a maximum of £240)

Benefits of Leisure Guard Winter Sports Insurance

• Up to £15,000,000 medical emergency & Repatriation cover
• Up to £7,500 cancellation & curtailment cover
• 24/7 Access to an online doctor at home and whilst overseas
• Ski Equipment and Ski Pass Cover
• Ski Equipment Delay Cover
• Piste Closeure Cover
• 24hr emergency helpline in place should you need us while on your trip

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Winter Sports Travel Insurance

Are you looking forward to hitting the slopes for a well-earned holiday?

If so, you will need to make sure that you have the correct holiday insurance for winter sports included with your travel insurance policy.

At starttravel.co.uk, you can choose to add winter sports holiday insurance cover to any policy at competitive prices.

So, whether you are looking for single trip winter sports insurance cover for a one-off trip or are looking for annual multi-trip winter sports insurance to cover multiple winter sports holidays, we have you covered.

Looking for the Best Winter Sports Travel Insurance?

In addition to our standard travel policy benefits, you can also benefit from the following if you select the Winter Sports travel insurance cover option:

• Cover up to a total amount of £1,000 for your equipment, depending on the level of cover you select
• Single trip winter sports insurance cover is available on single trip policies.
• Annual multi-trip winter sports insurance will cover you up to 24 days in total per year
• Cover provided for Piste Closure up to £600 when there is a lack of snow and your resort closes between 1st December to 30th April
• Cover is provided if your trip is disrupted due to a direct result of an avalanche up to £600
• Available for customers up to the age of 64

Once you have added this extra winter sports insurance cover to your policy, you can be reassured in the knowledge that you will benefit from 24-hour emergency medical assistance should the worst happen.

Whether you want to do the odd spot of skiing in between relaxing lunches, or you want to spend all of your time away perfecting your technique, our policy will give you the peace of mind to enjoy your holiday.

Simply enter your details and select the ‘Winter Sports’ travel insurance option when obtaining your quotation online or call us on 0333 320 1240 to get your quote today!

Compare Winter Travel Insurance

In addition to purchasing our standard travel insurance, you can add the following additional insurance cover for your winter sports.

We offer three levels of winter sports travel insurance cover.

Our cheapest winter sports travel insurance cover - our 3 star policy, offers the extensive range of benefits you would expect to find included in winter sports insurance.

Purchasing our best winter insurance package provides these same great benefits but with a higher level of financial cover for yourself. This provides added peace of mind that, should anything go wrong on your trip, most if not all additional costs will be covered under your policy.

Terms and Conditions apply. Please note, an excess may apply for any claim. For more details, please see the policy wording or call us on 0333 320 1240. The above amounts are based on per person.

Winter Sports Insurance Cover Explained

Winter sports equipment delay.

If your equipment is delayed on your travels, then our winter sports insurance policy will cover you for equipment hire up to £600 depending on the level of cover that you take out with us.

A ski pass is a ticket that proves you’ve paid to ride the lifts and ski the runs in the resort.

To replace a pass can be expensive, especially when you have already paid for it. The pass usually attaches to your Ski wear, or can be placed in a zip pocket in your glove or jacket arm, so it is important to make sure it is secure.

Will my winter sport travel insurance cover my Ski Pass?

If you lose this pass or it’s stolen we will cover your loss up to £300 with our 5 star winter sports insurance policy.

What is a Ski Pack?

A Ski pack is non-refundable items including hired Winter Sports Equipment, ski-pass, ski-school instruction or ski-guide. These are all services for which you have paid or are liable to pay.

What cover does my winter sport travel insurance offer in regard to my ski pack?

If you are unable to use items included in your ski pack due to illness or injury then you will be insured up to £600 depending on your selected level of winter sports travel insurance cover. You will also be covered for a proportion of your ski pack if you are unable to ski due to adverse weather conditions.

Travel Disruption Due to Avalanche or Landslide

If you are prevented from arriving at, or departing from, your pre-booked resort for a period in excess of 12 hours later than scheduled as a result of an avalanche or landslide, then you will be covered under our policies up to £600 if you select our 5 star winter sports cover.

FAQs about Winter Sports Insurance

Winter sports insurance is an add-on to our standard travel insurance that offers more comprehensive cover for participating in winter sports. It will also assist you with lost, damaged or stolen luggage, medical costs cancellations and delays.

A winter sports insurance policy also offers cover for: loss of ski pass and loss, theft or damage to your personal equipment.

Yes, off-piste ski insurance is included within our Winter sports insurance cover.

Please give us a call on 0333 320 1240 so we can arrange the most suitable ski holiday insurance cover for you.

There is a daily amount to cover you for transport as part of your snow sports travel insurance, to an alternative resort where there are adequate snow conditions.

You will also be covered for a proportion of your Ski pack which you have paid or are contracted to pay for.

Please see your policy for further details.

By taking out travel insurance with us and adding on winter sports cover you will be able to take part in the following activities:

• Langlauf / cross country skiing / Nordic walking
• Sit-skiing, skiing with outriggers and use of other (non-mechanised) equipment for the disabled
• Skiing Off-piste within the resort boundaries but excluding Terrain Parks
• Skiing On-piste
• Telemark Skiing

If you purchase winter sports cover as part of your travel insurance then the following personal items will be covered to the value that is set out in the table towards the top of this page and in your policy wording:

• Split-boards
• Ski-helmets

Your winter sports travel insurance will not cover the cost of any hired equipment that becomes damaged, lost, or stolen. It is advisable that if you do need to hire equipment at the resort that you take out the cover or protection that the hirer provides.

At Start Travel, we are able to offer annual travel insurance with winter sports.

If you’re planning more than one winter sports holiday in the course of a year, you might save money by getting annual travel insurance instead of a single-trip policy each time you go away.

If your winter sports holiday destination is within an EU country, a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will cover emergency medical treatment in a local public hospital. However, it will not cover the following costs:

• Mountain rescues
• Private treatment
• Repatriation if you need to be flown home.

Whilst you should have a valid EHIC/GHIC for your European winter sports trip, this should be in addition to appropriate winter sports travel insurance.

If you’re planning a winter sports holiday to the slopes of Switzerland, Norway or Iceland, an EHIC/GHIC will not be valid in these destinations as they are not within the EU.

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Winter Sports Travel Insurance

£10m emergency medical expenses - search and rescue included and £2m personal liability standard on ALL policies.

A GUIDE TO OBTAINING A QUOTE and PRE QUOTE INFORMATION -  questions answered

please ensure you select the correct activity level  for the sports you are insuring and that you insure the full duration of your trip from the UK including departure and return dates on your Snowcard policy - for downhill skiing you will need at least Adventure Plus or Max Adventure for snowboarding

If you have any questions or need guidance on selecting your policy - email [email protected]

N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing , you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations , please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover  (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact  https://www.biba.org.uk  for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

The winter sports activities we cover are listed below. If you can not see the winter sports activity you are taking part in,  please email  with details and we will advise if cover can be provided.

Please note all policy levels include  serach and rescue  including helicopter and air ambulance costs.

Adventure Basic

Cross country lauglauf skiing on marked resprt trails

Adventure Plus

Cross country langlauf skiing away from resort trails

Skiing on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area maps

Snow shoeing on marked resort trails

Max Adventure

Cross country langlauf ski marathon amateur events

Snowboarding - on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area maps

Ski touring (ascending using skins) - back country skiing or snowboarding including telemark, skidoo, snowcat or helicopter skiing

Heli and snowcat skiing

Split boarding - back country touring

Snow shoeing away from marked resort trails

Extreme Adventure

Pipe and park freestyle skiing and snowboarding (but excluding competitions)

Ski touring (pulling pulks) - commercially guided tours only

Ski mountaineering - alpine ascents using mountaineering equipment (European destinations only)

Pro Adventure

Ski mountaineering - alpine ascents using mountaineering equipment (Worldwide destinations)

Ski touring (pulling pulks) - unguided - you must provide full details of the trip for acceptance before proceeding

Activities covered:  click here  for full list

Winter sports travel insurance .

Snowcard are renowned for providing the best specialist winter travel insurance. In fact, we've been providing what we regard to be the best winter sports holiday insurance cover since 1990, which today makes us one of the UK's leading specialists for skiing and snowboarding travel insurance. Discover our winter sport insurance today!

Our winter sports policies cover a wide range of wintersports including on and off piste  skiing  and  snowboarding travel insurance . 

Snowcard winter sport cover is completely flexible and puts you in control providing you with the option to customise your own policy and choose sums insured for your very own unique winter sports holiday insurance.

Wherever in the world your winter adventure may take you, with winter sports travel insurance from Snowcard you can enjoy your holiday safe in the knowledge that you'll have 24-hour access to one of the best emergency assistance services available in the UK. Purchase your winter sport insurance form Snowcard today.

Is Standard Travel Insurance With Winter Sports Cover Enough?

If you’re considering taking standard travel insurance including winter sports cover, then be aware that standard winter sports cover may not always be appropriate when it comes to providing cover specifically for on and off piste winter sports activities. Most standard travel policies including those provided free with bank accounts severely restrict or limit off piste skiing and snowboarding. With a Snowcard winter sports insurance, you can rest assured you are covered by experts who have been insuring skiers and snowboarders for over 30 years. All Snowcard policies include search and rescue as standard.

Winter Sports Safety Tips

Skiing, snowboarding, and all winter sports are regarded as being accessible holiday options for anyone, but they are dangerous sports with increased risks of injury. However, whether you are a novice going on your first adventure, or a seasoned professional there are safety tips which you should never ignore. We recommend reading  10 Rules for Conduct  compiled by the International Ski Federation for more information.

Remember, be safe when you hit the slopes and enjoy your adventure with winter sports travel insurance from Snowcard. 

If you would like to find out further information about our winter sports holiday insurance then please get in touch. We offer a variety of different insurances for skiing and snowboarding, water sports, climbing and mountaineering. You can get in touch with us by using our contact form or by email . We would be more than happy to answer any queries you may have about our winter sport insurance. 

What Winter Sports Insurance Do I Need?

At Snowcard we have our own unique specialist winter sports travel insurance suitable for a wide range of different winter sports activities.

We offer specialist cover for the following activities:

• Dog sledging
• Pipe and park freestyle skiing and snowboarding
• Skiing - on and off piste with or without a guide
• Ski-biking and ski bobbing
• Ski touring           
• Heli-skiing
• Ski mountaineering
• Snowboarding - on and off piste with or without a guide
• Snowmobiling
• Tobogganing

 Please view our comprehensive list of  activities covered  for more information.  

Why Use a Specialist Winter Sport Travel Insurance Provider?

Winter sports activities like skiing, snowboarding, and mountaineering are high risk sports with variable hazards increasing risks of injury.

A specialist winter sports travel insurance provider will cover you for a wide range of activities that will not always be covered by a standard travel insurance policy. Beware, the EHIC does not provide the same protection as a specialist winter sports policy. Most expenses incurred in winter sports resorts are privately charged and must be paid for at the point of delivery. Snowcard will guarantee these costs for you.

Low cost standard winter sports policies will not provide you with adequate cover for on and off piste winter sports activities. A specialist Snowcard policy will offer you the protection you need, a service that has been tried and tested for 30 years with a claims service geared up to respond in a crisis with 24-hour assistance from International Medical Rescue.

What Does Winter Sports Insurance Cover?

Snowcard polices are tailored so that you have protection specific to your needs, our specialist winter sports travel insurance includes cover for:

• Emergency Medical Expenses & Repatriation including heli-rescue and air ambulance cover – this core cover is included with all Snowcard policies.

Also includes:

• Personal Liability
• Personal Accident

Optional cover – with policy limits tailored to match your needs:

• Personal Belongings
• Winter Sports Equipment
• Techno pack – for cameras and electronics
• Travel Delays
• Missed Departure
• Travel Disruption
• Piste Closure

Winter Sports Holiday Insurance What’s Covered?

see all activities covered

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Winter Sports Travel Insurance

Winter sports should be fun for everyone, even if you have a pre-existing medical condition. If you wish to enjoy sports such a skiing or snowboarding on your trip, it's important that you get specialist winter sports travel insurance. Our individually tailored policies cover cancellations and medical expenses.

Page contents

Why do you need travel insurance that covers winter sports, what is covered by winter sports travel insurance, what activities does winter sports travel insurance cover, age limits for winter sports cover, winter sports insurance with pre-existing medical conditions, why more than 3 million people have chosen allclear.

Winter sports travel insurance covers you should you wish to enjoy adventurous sports such a skiing or snowboarding and still want peace of mind whilst on holiday. This type of insurance covers you for medical emergencies, even those related to Covid, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

If you’re planning a winter holiday and want full peace of mind, you’ll need to make sure you have Travel Insurance with ski cover in place. Few things ruin a holiday faster than an injury and a costly trip to the hospital. If you need emergency medical treatment and don’t have insurance, bills could be incredibly expensive.

Here’s what to look for when you’re buying Travel Insurance for your winter sports holiday.

Winter sports and other snow-based activities increase the risk of injury and require a lot of specialised equipment and unique venues compared to standard holidays on the beach. All this needs to be factored into your insurance policy.

ABTA research shows that over 3.5 million Brits who have been on a winter sports holiday have never taken out Travel Insurance. The same research found that ABTA Members had reported more than 200 significant injuries caused by collisions and falls on the slopes amongst British holidaymakers in the 2018 ski season.

Proper, high-quality cover for winter sports will help you avoid costly medical bills if you have an accident during your activity, lose or damage your equipment. Without a valid Travel Insurance policy, you could be left out of pocket.

Some insurance providers will offer cover through a dedicated policy or with a special add-on. When applying for a quote with AllClear, add ‘Winter Sports’ in the ‘Extras’ section after you have selected your preferred policy and your quote will adjust accordingly.

Benefits of AllClear Cover

Winter sports equipment – protects the cost of repairing or replacing your equipment up to £500, if yours were to be stolen, lost or damaged during your holiday. We’ll also help with the costs of hiring replacement equipment up to £10 a day. We take into account the age of your items when working out a claim.

Piste closure – we’ll contribute to the cost if you need to travel to another resort to ski or you can’t ski at all because of piste closures caused by a lack of snow.

Ski pack – cover for up to £400 of unused parts of a ski pack you bought before travelling if you’re unable to take part in winter sports because of illness or injury sustained while travelling. You’ll need to be medically certified as being unfit for your activity by a doctor at the resort.

Delayed ski equipment – up to £150 towards hiring replacement equipment if your own equipment is certified by your carrier to have been misplaced for more than 12 hours on the outward journey of your trip.

As above, the sports or activities covered will vary by your insurer. So, you need to check your policy documents carefully and make sure it’s appropriate for your plans.

With an AllClear add-on, the following activities are included:

Inner tubing (in snow)

Skiing (including, off-piste, mono, heli, dry and cross country)

Snowboarding 

Snowmobiling

Snowshoeing 

Sphereing/Zorbing

Tobogganing

If your activity is not included, call us for free on: 0808 281 0561 as we may be able  to add a specific activity to your policy.

It’s important to remember that there may be limitations or other requirements. For example, if you want to ski off-piste, you’ll need to be accompanied by a qualified instructor or guide. This information will be detailed in your policy documents.

Simple 3 step quote process

1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes.

You’ll be given the option to include Winter Sports on most of our policies. A number of our providers will insure you up to and 65 years of age.

If you’re planning to hit the slopes, you must declare any medical conditions when applying for a quote.

Any injuries caused by an existing condition when participating in an activity could mean you aren’t covered if you haven’t declared it. Plus, if you fall ill while travelling because of an existing condition and you haven’t declared it, you’ll have to pay for your time in hospital. In addition to this, you won’t be covered for anything lost on your ski pack.

We can cover over 1300 different medical conditions, and we’re experts in Medical Travel Insurance since the year 2000. If you declare all your conditions, your insurer agrees to cover them, and the activity is included in your policy, you’ll be covered for the costs of your treatment and other expenses.

We compare cover from up to 61 insurance providers, and 98% of customers have rated us ‘Good’ or better at being helpful and friendly. [1]

“AllClear Gold is simply the best travel cover I have found.”

Even 2 years after having been declared to be in remission from cancer i found many companies would not insure me to go skiing, but with allclear it was a breeze – and best of all it wasn’t expensive. i’ve been using allclear for over 8 years and would never look anywhere else now. when i had a skiing accident 3 years ago they were fantastic and provided me with an excellent service getting me home safely, organising assistance at the airport etc. highly recommend their services ”, sarah harbord – trustpilot, read allclear trustpilot reviews.

We hope you found this information helpful and you enjoy your time on the slopes!

If you’d like to start a quote, click the quote now button below.

[1] From 450 responses.

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 24 November 2023

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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Winter Sports Travel Insurance

• 17 days Free Winter Sports cover with the 45 days AMT policy
• For UK, EU and EEA residents aged up to 70
• 24/7 medical emergency helpline
• What’s covered
• Geographical limits

What is Winter Sports Travel Insurance?

Winter Sports travel insurance policies have been designed to cover people travelling out on a skiing or snow boarding holiday and gives you that extra cover for that expensive equipment or compensation should your resort be closed due to lack of snow (please see terms and conditions). Winter Sports Travel Insurance is also referred to as ski travel insurance or snowboarding travel insurance.

The cheapest winter sports policy is £ (based on 1 adult aged up to 50 travelling in Europe for up to 8 days).

Winter Sports Travel Insurance Key Benefits

• Cover for accidental loss, theft or damage to your own or hired ski equipment - up to £750 in total
• A daily payment if your own equipment is lost, stolen or damaged in transit - up to £30 per day .
• Cover towards transport costs to an alternative site, if your own resort is closed for more than 12 hours - up to £200 in total
• Cover for the unused portion of your ski pack following your illness, injury, or if you lose your lift pass - up to £400 in total
• Emergency Recovery (including helicopter rescue if medically necessary) and any associated medical expenses is included in the Emergency Medical Expenses section of the policy - up to £10 Million in total .
• End Supplier Insolvency Insurance including Scheduled Airline Insolvency Insurance

The European Health Insurance Card (EHIC) / Global Health Insurance Card (GHIC) provides some emergency healthcare within the EU, but it does not cover Repatriation costs, or a doctor or nurse escort home; nor lost or stolen property. You need Travel Insurance for that.

If you plan to participate in any Winter Sports Activities, you need to purchase Winter Sports cover, or an Annual Multi Trip Policy with an individual ‘trip duration’ minimum of 45 days (as this will give you 17 days free Winter Sports Cover). See our list of Winter Sports Activities below to check that they cover everything that you plan to do.

From the Alps and Dolomites to British Columbia and Alberta - our policies will cover your ski holiday in any part of the world.

Winter sports insurance cover can be purchased as a Single trip up to the age of 70 years or if you purchase an Annual Multi-Trip policy with a 45 day trip duration, you get 17 days free Winter Sports cover for people aged up to 65 years and 17 days free cover in European areas for those aged between 66-70 yrs.

Please Review the included Winter Sports activities below:

Skiing and snowboarding on and off-piste (off-piste must be within resort boundaries);

Please note restrictions apply to the activities listed below:

The following activities:.

• Are not covered under Section H – Personal Liability; and
• Must be carried out within organisers guidelines and will only be covered as part of a pre-arranged/ organised activity led or instructed by professional guides or organisers.
• Are not covered under Section C – Personal Accident or Section H – Personal Liability; and

Provided you are not:

• Participaiting in or training for a competition or
• Taking part on a professional or semi-professional basis or
• Taking part contrary to local advice or warnings.

If vou do not see vour chosen Activity listed here or in our Adventure Activities; please email [email protected] , or call us on 00 44 (0) 1353 699082 to check. You may not be covered while participating in the Activity unless it is listed and you have paid the additional premium where applicable.

All premiums are subject to the person(s) travelling being up to 70. Winter sports travel insurance is available to people who are living in UK. If you travel all year round, check our Annual Multi Trip policies .

Frequently Asked Questions

What does winter sports cover include.

This cover is provided only if you are under 70 and the policyholder has paid the additional premium where required as confirmed on the Validation Certificate. Below are the details of winter sports cover provided by this extension for a period of no more than 17 days in total in each period of insurance under annual multi trip policies and for the period of the trip under single trip policies. Winter Sports covers people on a skiing, snowboarding or other winter sports activity holidays and covers loss, theft or damage to your own and hired ski equipment, resort closure cover, and emergency medical expenses and repatriation including piste rescue. A range of wintersports activities are covered as standard as shown in the table above. Activities that involve the use of equipment or machines such as skidoos and sledges have no cover for third party liability and the person supplying you with these vehicles must have appropriate cover in place, you should check this before using such equipment.

Do you cover mountain rescue including helicopters?

You are covered for mountain rescue costs on the basis of medical necessity. This means that if you are injured or fall ill on the slopes and cannot continue skiing we will cover the costs charged by the local piste authorities or recognised rescue service to get you to the nearest suitable point of medical treatment . Where the local authorities feel this is necessary this would include helicopter transfers. You should ensure that the 24 hour assistance service on your policy is contacted as soon as reasonably possible so they can take over the management of your costs and provide guarantees of payment and other necessary assistance such as repatriation. Anything other than unavoidable emergency costs must be pre-authorised by the assistance service. You have no cover for rescue costs associated with you skiing in remote areas or because you are in difficulties not associated with an illness or injury covered by the insurance.

Do you cover off piste skiing?

All skiing and snowboarding activities defined in the wording are covered provided you remain within the boundaries of a recognised resort area designed for public use and are not skiing or snowboarding in areas marked out of bounds or hazardous by the piste authorities.The boundaries of a recognised resort area with runs (pistes) designed for public use will be shown on the piste map issued to you with your ski lift pass. Provided that the piste authorities have not marked an area as dangerous, out of bounds or closed, you can ski “off piste” between the designated runs if your route is connecting you to another run or ski lift and is within the general area that is patrolled by the local piste authorities who issued your ski pass. You must not ski off piste alone or on routes beyond your level of competence. If you are in any doubt about the route you are planning you should get advice from the local authority or a qualified ski instructor or guide.

See also: Seniors Travel Insurance , Single Trip Travel Insurance , Coronavirus travel insurance

Still have questions?

Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Schedule of Cover Winter Sports 16-65

Schedule of Cover and Limits of Indemnity per Insured Person (All Benefits are stated in UK Pounds)

Schedule of Cover Winter Sports 66-70

Travel insurance.

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were an EU RESIDENT, or you need to view the Policy Wording we issue to EU Residents, please click here to visit our Globelink EU site.

*If you purchased your Travel Insurance policy prior to Jan 2022, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a STAYCATION Policy please see the *last PDF at the bottom of this page – for the Staycation Policy Wording

Policy Wording for Policies issued to UK residents (Living in the UK only) from from 29th November onwards .

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• Cover for skiing, snowboarding & 100's of activities
• Protection for winter sports equipment
• Off-piste options available
• Cover available from £12.48¹

Winter Sports Travel Insurance

If you’re heading off on a winter sports adventure, you may think a standard Single-Trip policy will provide a sufficient level of cover but, in actuality, many single trip policies won’t offer cover for winter sports equipment or activities. Instead, you should consider a Winter Sports travel insurance policy, which is specifically designed for those who plan to ski, ice skate even snowboard, whether that’s as a beginner or a black-run pro.

With this policy you can choose to travel to ski destinations in Europe or Worldwide, plus, you’re automatically covered for loads of activities, including; on-piste skiing, snowboarding and ice skating. You can also add extra sports to your policy, such as heli-skiing, terrain park riding and ski and snowboard racing. This additional cover comes at a very affordable premium and provides that much needed protection. For more information, check out our activity packs .

Our Winter Sports travel insurance can be purchased for Single Trips or as a Multi-Trip policy - even if you only intend on the one ski trip for the year, a Winter Sports Multi-Trip policy will also cover the beach holidays or city breaks you’ve booked as well.

With all our policies, we give you the choice of excess, so whether you’d rather pay a higher premium and a lower excess or vice versa, the decision is up to you. Your excess can be anything from £0 to £175.

All of our Winter Sports policies include:

• UK, Europe and Worldwide options
• Cover for both on and off-piste skiing and snowboarding
• Discounts for couples
• 14 days cooling off period (where you can get a refund if you decide the policy isn't right for you)
• Our emergency assistance helpline, available 24 hours a day, every day of the year
• Cover for cancellation, medical emergencies, personal belongings, cash, travel documents and much more
• Up to £500 if your hired winter sports equipment is lost, damaged or stolen
• Up to £250 if your lift pass is lost or stolen
• Cover for avalanches, air ambulance and mountain rescue
• Free access to our Customer Area, with the ability to view, resend and download your policy documents whenever, wherever!

Want to go skiing but not sure where to go? We’ve analysed the number of hashtags used at some of the world’s best skiing resorts to see which one is the most popular according to Instagram to help give you some inspiration.

Cover Levels

£500 - winter sports equipment.

Winter sports equipment is often very expensive to purchase and maintain, therefore having suitable cover to protect it from being lost, stolen or damaged is key when looking for a travel insurance policy. Both owned and hired winter sports equipment is covered under the Alpha Wintersports policy giving you complete freedom to simply enjoy the slopes to the max, without worrying about the consequences of footing the bill should anything happen.

£2 Million - Personal Liability

If you are held legally liable for any event during the lifetime of your travel insurance policy, Alpha is there to help with £2million personal liability cover. Whether you have caused injury or illness to another person or even damage to trip accommodation, having peace of mind in place in the form of a holiday insurance policy can help lessen the potential financial burden.

£10 Million - Emergency Medical Expenses

One of the highest claimed for items is medical expenses; whether for less-serious incidents such as doctors’ visits for check-ups and medication, to more serious cases such as being hospitalised as an in-patient, avalanches or mountain rescue. Rest assured that wherever you are in the world, Alpha offers medical cover up to £10million as well as a Doctor managed 24 hour emergency medical helpline to offer you help and advice when you need it most, no matter the time of day or night.

Why Choose Alpha

• Cover For Medical Conditions
• Online Medical Screening
• 24/7 Emergency Assistance
• Couples & Family Discounts
• Choose Your Own Excess
• £10m medical cover

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Activity packs & extensions, activity packs.

If you’re planning on doing any specific activities on your trip, you’ll need to make sure these are covered in our activity list. Most activities are included FREE with all policies.

Check out all activities covered  here

Tailor your policy to your needs – we’ve got a range of extensions available, including:

• Gadget extension – can be added onto any policy
• COVID-19 extension – can be added onto any policy
• Cruise extension – can be added to any single trip or multi trip policy
• Golf extension – can be added onto any policy
• Large Scale Events extension – can be added onto any policy

Find out more about our  policy extensions

Medical Conditions

All Alpha Travel Insurance policies are able to include cover for hundreds of medical conditions.

Some of the most common ones include:

• High blood pressure / hypertension
• High cholesterol
• Underactive thyroid / hypothyroidism
• Diabetes (both type 1 and type 2)
• Food allergies and intolerance
• Heart conditions
• and many more…

Medical conditions can be declared and screened at the same time as obtaining your quotation.

Our customers use this policy for:

• Skiing trips
• Snowboarding adventures
• Wintersports festivals
• Couples breaks
• Activity and adventure holidays
• Last minute bookings

Wintersports Info

For those looking for more specialist winter sports cover, the Wintersports travel insurance policy is the perfect choice.

With cover for skiing, snowboarding and ice skating included as standard alongside a wide range of other activities, rest assured that we’ve got you covered.

Cover includes protection for both hired and own winter equipment as well as lost lift passes and £10 million emergency medical expenses.

Please note that our policies must be purchased for trips starting and ending within the UK, and will not be valid if you have already begun your trip or are already abroad. Our insurance policies are also currently unable to cover for cruise holidays unless you have purchased our cruise extension .

¹Pricing based on a 30 year old, travelling to Spain for three days, if purchased within the two weeks prior to travelling on an Alpha 175 Wintersports policy. Prices correct as of 19/12/2023

Single Trip travel insurance is ideal for a wide range of holidays, whether you are heading abroad for a two week sunshine break or an action-packed adventure holiday!

With this policy there is no upper age limit, over 100 activities available to be included and trips can be from as little as 3 days up to 94 giving you plenty of reasons to travel and live your life to the full.

Cover includes cancellation, emergency medical expenses, personal possessions, legal expenses as well as gadget insurance options available.

Please note that our policies must be purchased for trips starting and ending within the UK, and will not be valid if you have already begun your trip or are already abroad. Our insurance policies are also currently unable to cover for cruise holidays on this policy unless you have purchased our cruise extension .

Do you have a question about us, our cover or our policies? You may be able to find the answer in our Frequently Asked Questions section.

• Terms & Conditions
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• Cookie Policy

Alpha Travel Insurance is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. 3220410. tifgroup; all rights reserved. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. All policies offered are on a non-advised basis

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Ski Insurance Quote

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Our Winter Sports Benefits include

Our Winter Sports Insurance goes further

Off Piste Skiing and Snowboarding is covered with all of our policies. All policies cover off–piste as long as you are Skiing or Snowboarding with at least one other insured adult or a guide. And as long as you are in areas which are designated safe by Resort Management.

All our policies cover Mountain Rescue and Air Ambulance if it is medically required.

We have policies which will cover you for a Season including our PJ Hayman Policy, which will allow you 2 trips home for up to 21 days each. The PJ Hayman policy is not available online, please call us for a quote.

We can provide cover for one off days as well as provide cover if you have already left the United Kingdom or the Channel Islands. Please contact us for a quote as these policies are not available online.

We cover many Sports and Activities such as Ski Racing, Ski Instructor, Heli-Skiing , Cross Country Skiing , Ski Touring and many more .

Our Winter Sports Travel Insurance Policies cover your pre-existing medical conditions, please click here for a quote .

JS Travel Insurance

www.ski-insurance.co.uk is part of Jade Stanley Ltd which is authorised and regulated by the Financial Conduct Authority, Registration Number 306205).

We have insured over 400,000 Skiers and Snowboarders since 1999 and were the first Winter Sports Travel Insurance site on the Internet. The website is mainly geared towards the one week ski holiday for Individuals, Couples or Families.

However being a website dedicated to Winter Sports Travel Insurance, we have sourced cover through Providers to cover all type of Winter Sports Activities. This includes Off Piste Skiing without a Guide and Ski Instructors.

Other Cover

• Ski Instructor Travel Insurance
• Ski Season Travel Insurance
• Ski Racing Insurance
• Off-Piste Guidelines
• Medical Conditions
• Avalanche Information
• Safe Skiing Code

Buy with Confidence

• Authorised and regulated by the Financial Conduct Authority.
• Covered by the Financial Services Compensation Scheme.
• Secure data encryption
• Privacy Policy
• Terms & Conditions

JS Travel Insurance, 5 Chapel Mews, Waterloo Street, Hove, East Sussex, BN3 1AR

0800 043 0020

[email protected]