does halifax travel insurance cover winter sports

Winter Sports Travel Insurance – The Ultimate Guide

• August 28, 2023

If you’re an avid winter sports fan and love to hit the slopes every season, you know that good travel insurance is of paramount importance. But do you know which one offers the best coverage?

Let’s explore the top providers and how they can give you the protection you need during your next winter sports adventure.

What is Winter Sports Travel Insurance?

Winter sports travel insurance can provide peace of mind when traveling during the colder months. As you plan your snowy getaway, it’s essential to understand the risks associated with winter activities, such as skiing and snowboarding, and how a special winter sports travel insurance policy may provide you with the protection you need.

Winter sports medical emergency coverage can be critical if you are heading off to a ski resort or secluded area of the mountains on vacation because local healthcare facilities may not be available in an emergency.

With an insurance policy for winter sports travel, you’ll have access to specialized medical care in case something happens while enjoying your outdoor activities.

In addition to medical coverage, policies often provide coverage for stolen equipment, damage or loss of equipment due to breakdowns or delays during trips, and even trip cancellation due to bad weather.

Additionally, some policies will cover avalanche search and rescue operations if they should become necessary. Knowing that these risks can easily be covered with a proper policy will help alleviate any concerns before beginning your winter vacation.

When selecting your winter sports travel insurance plan, it’s essential to read all of the details before purchasing. Different plans may offer different levels of coverage, so make sure that the one you choose meets all of your needs. 

When properly prepared and protected with a comprehensive plan before heading out on any ski trip or other winter holiday adventure, you’ll have less worry about what could go wrong so that you can enjoy all that nature has to offer when snow hits the ground!

Benefits of Winter Sports Travel Insurance

Travel insurance for winter sports trips is a must for any traveler heading on an adventure to ski, snowboard, ice skate, or participate in other winter activities. Winter sports travel insurance provides protection from the unexpected dangers of winter sports trips.

Winter sports travel insurance covers you and your possessions in the case of an accident, trip cancellation or interruption, damaged or lost luggage, medical and evacuation expenses, and more. Many insurers even provide coverage for extreme sports such as heli-skiing and shark diving.

The benefits of winter sports travel insurance can include reimbursement for medical expenses such as ambulance rides, doctor’s visits, and surgery if you are injured while participating in a covered activity.

Trip cancellation benefits should you be forced to cancel your ski vacation before it begins, luggage loss protection should your equipment be lost or stolen, and additional coverages like collision damage waiver benefits if you rent snowmobiles or other equipment.

Winter Sports Travel Insurance also offers coverage when renting expensive specialty sporting equipment such as snowboards, skis, snowshoes, or avalanche airbags.

With so much going on during winter vacations – icy roads, unpredictable weather conditions, high altitudes – it’s crucial to ensure that you have the financial backup to protect yourself from unexpected costs associated with participating in winter activities around the world.

Types of Winter Sports Covered

When traveling overseas to take part in winter sports activities, it is essential to make sure you have the right type of travel insurance . 

Different policies will cover different types of winter sports, and it is important to make sure your policy covers the specific activity you are planning to participate in. 

Here we look at some of the sporting activities typically covered by winter sports travel insurance policies:

Snow Sports

These are activities that include skiing, snowboarding, tobogganing, mogul skiing, and heli-skiing. Policies typically cover associated risks such as an injury due to accidents while participating in these activities, damage or loss of equipment, including skis, snowboards, and helmets, or medical costs.

These are activities such as ice hockey and curling, where blades are used on ice surfaces for sliding or propelling objects. Insurance policies usually provide coverage for medical costs of an injury that occurred while participating in these activities, as well as any associated equipment damage or loss.

Winter Trekking

Many hazard-related risks can be encountered when trekking during winter months. Policies cover medical costs due to accident or illness while out on a trek (including rescue expenses) and associated equipment damage or loss while trekking during cold weather conditions.

Other Winter Activities

Have you planned other cold-weather activities, such as dog sledding? Most insurers will tailor a bespoke policy for activities such as these, ensuring adequate levels of coverage for all associated risks.

Key Considerations When Choosing Winter Sports Travel Insurance

When selecting winter sports travel insurance, there are several important things to consider.

First, it is vital to understand the type of coverage that is included in the policy and any additional coverage that may be needed for specific activities.

Having detailed financial coverage for medical expenses and any losses incurred during the trip is also a good idea.

It is also wise to read through the policy carefully, preserve it safely, and take special care to note critical details such as who is covered under the insurance plan and what activities are not protected . Additionally, bear in mind any exclusions, as they can play an important part when considering whether or not particular areas of coverage are suitable.

When buying winter sports travel insurance, make sure to keep an eye out for all added costs and estimated total premiums for full coverage.

You should also ask about discounts for multiple people traveling on one policy or longer stays in order to get a better deal on overall costs.

Finally, check the details of cancellations or non-refundable items when looking through potential policies to ensure you will be covered if something unexpected comes up during your travels.

Common Exclusions in Winter Sports Travel Insurance

Most winter sports travel insurance policies will have their own exclusions, limitations, and conditions that state what the policy does not cover. 

Winter sports traveler should read their policy very carefully to familiarize themselves with these exclusions, as they will often differ from one situation to the next.

Generally speaking, standard exclusions include the following:

• Damage caused by intentional acts or illegal activities of the insured person.
• Damage caused by drug or alcohol consumption.
• Injuries due to participation in Motorsport or Motorsports related activities (including Skidoo and snowmobile).
• Accidents resulting from air travel or air-related activities (including ski jumping & paragliding).
• Unstable snow conditions (e.g., avalanches & chunks of ice falling off cliffs).
• Poverty or deprivation of basic necessities.
• Treatment for already existing injury or illness that is not complimentary with any other coverage you may have.
• Outdoor/extreme sports such as mountaineering, rock climbing, and caving.
• Loss of passports, visas, and documents.
• Expenses incurred due to trip cancellations in advance of the policy commencement date.

How to Make a Claim on Winter Sports Travel Insurance?

Claims on winter sports travel insurance can be complicated, but it is important to understand how the process works before you purchase any policy.

Suppose something should happen while you are away, such as a sudden illness or injury, theft, equipment damage, or even a missed flight connection. In that case, the right winter sports travel insurance policy could help protect you against potentially significant losses.

When it comes time to make a claim on your policy, here are the steps to follow.

1. Contact your insurer urgently in case of an emergency resulting in urgent medical care or the potential loss of your personal possessions.

2. Get a police report if required and make sure that all relevant information is documented correctly when escalating your claim.

3. Collect all necessary evidence and documents, such as receipts that evidence either what you have spent or prove the value of items lost or damaged during travel-related incidents.

4. Submit forms accurately and with all required evidence before the stated deadline for claims under your chosen policy terms and conditions.

5. Have patience, as insurers may require additional information from you, dependent upon the nature of any given claim submitted under your policy terms and conditions.

6. Check with customer services to ensure that everything is progressing correctly. Before an insurer agrees to pay for something, they first need to check that it’s covered by the policy. This means looking at the limits that were set when the policy was agreed upon. If something isn’t covered, then the insurer won’t pay out.

It’s important to remember that both the payer and the provider need to have a clear understanding of what is and isn’t covered by the policy. If there is any confusion, then it’s best to get clarification before proceeding.

7. Finally, It’s important to keep detailed records of all correspondence with insurers in case you need to refer back to them at a later date. This will help you understand the cause of any problems and ensure that you get the full value to which you are entitled. Make sure that you follow all the requirements set out by the insurer so that there can be no confusion or misunderstanding about what is expected from you.

Tips for Making the Most of Your Winter Sports Travel Insurance

Winter sports have become increasingly popular worldwide, which means it’s more important than ever to ensure you have the best winter sports travel insurance in place before hitting the slopes.

Having travel insurance can provide invaluable protection when things don’t go according to plan and can save you a lot of hassle, wasted time, and unexpected costs.

When considering winter sports travel insurance, there are several tips to keep in mind that can help you make sure that you’re adequately covered:

1. Choose an insurance policy with a good range of coverage – Look into features such as medical evacuation coverage, delay and cancellation cover, and rental car damage coverage.

2. Look for policies that offer extra skiing and snowboarding features – Skiing or snowboarding with specialized equipment? Check that your policy provides cover for ski poles or snowboarding helmets should they break during your travels. Some policies may even reimburse you for costs should you break ski rental equipment while on holiday.

3. Consider buying several days more of coverage than your holiday length – The extra cost is usually negligible compared to other elements of your trip, but it often covers lost luggage and health care bills until your flight home arrives if anything unexpected happens during your trip (or shortly before).

4. Ask about group discounts – Many insurers will offer discounted rates if purchasing winter sports travel insurance as a group – worth checking out as additional savings!

5. Inquire about refunds or partial refunds – When pre-booking activities like ski lessons or lift passes, having pre-trip cancellation cover might be worth considering in case plans change (or activities need to be canceled due to inclement weather).

Summary of Winter Sports Travel Insurance

Winter sports travel insurance is an important consideration when planning a trip to any mountain or ski resort. Winter activities can be a source of excitement and adventure, but they also come with inherent risks that can potentially result in severe injury or financial loss.

Winter sports travel insurance offers protection in case of an accident or the suspension of your holiday due to unforeseen circumstances.

It typically covers medical care and related expenses, as well as personal liability and rescue costs associated with winter sports activities at a destination outside your home country.

This coverage may include skiing, snowboarding, ice skating, sledding, snowmobiling, and other related activities.

In some cases, additional forms of coverage can be included, such as coverage for lost/delayed baggage, missed flights/connections, and cancellations. 

Additional coverage for rental gear or gear depreciation may also be available. Comprehensive winter sports travel insurance should provide enough protection to ensure you return home safely from your winter vacation.

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Does Halifax Ultimate Reward Travel Insurance Cover?

• Coverage for you, your living spouse, and any children under the age of 18 (or 24 if they’re in full-time education).

Does Halifax travel insurance cover cancellation?

There is now coverage if you are overseas and are ordered to return home or prefer to leave early to avoid having to quarantine when you return due to an epidemic or pandemic declared by the World Health Organization (WHO) or a government body. The UK government or the government of the nation you’re visiting could issue the order to come home.

If you or someone you’re traveling with has scheduled to fly and the carrier or a government body refuses to allow you go because you or they are showing symptoms of a contagious sickness at the time of boarding, you or they are entitled for additional cancellation coverage.

If anyone traveling with the insurance holder has been advised to quarantine owing to a potential exposure to COVID-19, cancellation coverage will now be offered for those protected under the policy. Local lockdowns and a broader quarantine order are not included in this.

If you become unwell while traveling, you are still insured for emergency medical care. Anyone planned to go and protected under the policy will still have cancellation and medical coverage if they are required to quarantine on an individual basis.

On December 1, 2021, NHS Test and Trace / NHS Test and Protect (Scotland) contacts a friend you’re traveling with and informs them that they need to self-isolate and will be unable to accompany you. You will be insured for travel cancellation in this case.

You are scheduled to depart on December 1, 2021. There were no restrictions on traveling to your destination at the time you booked. The Foreign, Commonwealth and Development Office’s travel advice to that place changes two days before your journey begins, and now advises against all but essential travel. As a result, you must reschedule your vacation. You would not be protected for any cancellation expenses in this case, and you would need to seek compensation from the travel provider or another source, such as your credit card issuer.

It is critical that you study the terms and conditions of travel insurance to verify that the coverage matches your requirements.

What is covered by Halifax Ultimate Reward account?

The family travel insurance policy covers you, your spouse or partner (if you live together), and any children under the age of 18, or 24 if they’re in full-time education. Personal goods, specific sports and hobbies, and golf excursions are all covered.

Existing medical issues are not covered unless they are initially agreed upon with the insurer, in which case an additional premium may be required.

• Multi-trip travel around the world, including specific winter sports and golf excursions. There’s also coverage for UK excursions that include at least two nights of pre-booked lodging.
• Your children – any of your children who are 18 years old or younger, or who are 24 years old if they are in full-time education. When traveling with the account holder or a responsible adult, you are covered.
• As long as they reside with you, your partner can be a spouse, civil partner, or partner.
• If your personal baggage is lost, damaged, or stolen, you may be entitled to compensation of up to £2,500. This includes assets worth up to £500 and a single article, pair, or set of articles worth up to £500.
• Personal money is covered up to £750 in the event of loss or theft. This includes up to £300 in cash coverage. For those under the age of 16, the amount is limited to £50.
• Pre-existing medical issues are not covered unless the insurer has agreed to cover them.
• The excursion with the longest duration is 31 days. A maximum of 31 days of coverage in a calendar year for winter sports.
• Children are only protected if they are accompanied by you, the account holder, or another responsible adult.
• If you go against the recommendation of the Foreign, Commonwealth and Development Office (FCDO) or any regulatory authority, you are not covered.
• If you are unable to travel or prefer not to go because the FCDO or another equivalent government organization in another nation advises against travel due to a pandemic, you are not covered.
• When the account holder reaches the age of 71, all coverage terminates. As long as the account holder is under the age of 71, their spouse, partner, or civil partner (with whom they live) is insured until they become 71. Eligible children can also be covered if they are traveling with the policyholder’s spouse, partner, or civil partner.

If you need support when traveling abroad, dial +44 (0)208 239 3931 for Allianz Assistance’s 24-hour assistance line. Call Allianz Assistance at +44 (0)345 124 1400 if you need to lodge a claim or want additional information. You can also submit your claim online through the Allianz Assistance Hub, which is accessible via your banking app or Online Banking.

AWP Assistance UK Ltd (business as Allianz Assistance) administers the policy, which is underwritten by AWP P&C SA.

Please note that these are only a few of the key issues; the policy document included in the Ultimate Reward Current Account Getting Started Guide has complete details of the limitations and exclusions (PDF 1.3MB).

As part of the account application procedure, we will also send you the Insurance Product Information Booklet (PDF 2.4MB).

If your travel has been disrupted, you may also use our helpful travel disruption tool.

Do the Halifax do travel insurance?

Overview of Halifax travel insurance. Halifax’s Ultimate Reward Current Account package account includes travel insurance. For a monthly charge of £17, the account also includes AA breakdown cover, mobile phone insurance, and home emergency cover. AXA Insurance UK plc underwrites its insurance.

What is not covered in travel insurance?

Baggage delay, damage, and loss plans do not cover all of your belongings. Glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones are all common travel insurance exclusions. These things are sometimes covered, but only up to a particular cost limit, so if you have several expensive electronic items (such as a laptop, tablet, and mobile phone), you may not have enough coverage to cover the loss of all of them.

Is Halifax Ultimate Reward account changing?

If we don’t hear from you by May 15, 2020, your account will be converted to a current account, and you won’t be eligible for monthly Reward Extras. You can upgrade to a Reward Current Account at any time after your account has been converted to a Current Account if you believe it is the ideal account for you.

We’re also adding a £3 monthly account maintenance fee on June 1, 2020, although this won’t apply if you deposit at least £1,500 into your account each month.

Between June and August, we won’t charge the £3 monthly account maintenance cost to help you get acclimated to your new account.

However, you must still pay £1,500 each month to be eligible for your reward.

To help you decide if this account is perfect for you, we’ve highlighted everything you’ll need to do to obtain Reward Extras.

Can I downgrade my Halifax Ultimate Reward account?

It’s good news for existing Halifax customers since if you haven’t received a switching bonus from Halifax since April 2020, you can still claim the bonus.

However, unlike Natwest, Halifax would not allow you to switch into an existing account and receive a bonus. You will need to create a new account.

If you have a Halifax “Current Account”

The Current Account from Halifax is a no-frills ordinary account. If you have this, all you need to do now is create a Reward or UItimate Reward account.

If you have a Halifax Reward account

Many of you, I’m sure, already have this account thanks to the generous £5 per month offer. As a result, you’ll need to create an Ultimate Reward account. You can downgrade the account once you’ve switched and received the money if you don’t want to maintain it (details below).

If you have both the Reward and Ultimate Reward accounts

If you already have both of these accounts, that shouldn’t be a problem.

Simply downgrade one of your existing Halifax accounts to a different type of Halifax account. After that, reapply for the same account. Then switch back to normal mode! Halifax has confirmed that this is acceptable.

Of course, there may be some differences in your insurance policies if you do this with the Ultimate Rewards account, so compare them before deciding to downgrade the old account.

How do I claim on my Halifax phone insurance?

If you haven’t already done so, you can register your mobile phone number with the insurer via online banking or by dialing 0345 124 1400.

Raising a claim

You must notify the authorities and your airtime supplier as quickly as possible if your phone is lost or stolen. If you do not do these steps, your claim may be denied.

• Your phone’s make and model. Check your instruction manual for this information, or remove the back cover and battery to find a label with this information.
• Your network/service provider. Tip: Your service provider’s information is frequently displayed on your phone’s screen or on your contract or monthly statement.
• The IMEI (International Mobile Equipment Identity) number is a unique identifier for mobile devices. Tip: Dial *#06# on your phone’s keypad to get this information shown on your phone’s screen.
• Click on your Ultimate Reward Current Account once you’ve enrolled into Online Banking.
• Then, under the ‘Account information and benefits menu,’ select ‘View account benefits.’
• Your policy information will be automatically loaded if you’ve already entered your mobile phone insurance data.
• If you want to file a claim, go to ‘View and update details’, then ‘Make a claim,’ and follow the onscreen instructions.

What is Halifax Reward net?

The Halifax Incentive account is now fee-free and offers a £2 monthly reward provided you deposit at least £750, pay out two or more direct debits, and keep your account in good standing. You have until June 12 to determine whether or not to opt-in if you opened your Rewards account after March 13th.

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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Table of Contents

Why get adventure sports travel insurance, travel insurance often excludes high-risk sports, credit card travel insurance often excludes high-risk activities, travel insurance for high-risk sports, how to get travel insurance for high-risk sports, what sports travel insurance costs, how to choose travel insurance for high-risk sports, the best sports travel insurance plans, final thoughts.

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Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports. 

Whether diving the ocean’s depths or ziplining through a forest, sports travel insurance can help you go confidently on adventures knowing you’re covered if anything goes wrong. Whether you need emergency assistance and evacuation or a reimbursement for a trip cut short by injury, travel insurance with sports coverage can help.

While standard travel insurance typically offers medical coverage, most policies exclude certain activities, particularly risky sports. But you can purchase a travel insurance policy that provides coverage for all your adventures , either as a stand-alone policy or an add-on to a comprehensive travel insurance package.

Let’s explore everything you need to know about travel insurance for sports and adventure activities and how to get that coverage for any high-risk activities you may plan for your travels.

Adventure sports travel insurance covers activities such as mountain climbing or deep-sea scuba diving (i.e. any activity that has a higher risk level than a “regular” travel activity).

While accidents can happen anywhere, you’re particularly vulnerable when away from home. Medical expenses and evacuation can be costly , especially if traveling to remote areas or a foreign country where you’re unsure about quality medical care. Sports travel insurance covers emergency medical expenses, ambulance services, and evacuation.

Some travel insurance companies offer emergency assistance services , which can help you get the medical care you need in a remote location or challenging environment. The travel insurance company can provide access to medical professionals, coordinate your care, and arrange an emergency evacuation if needed.

For example, if you’re climbing a mountain and break a leg, adventure sports travel insurance can help get you off the mountain and connected with medical care.

Adventure sports travel insurance can also help if a sports-related injury requires you to cancel or interrupt your trip or if you experience equipment loss or damage. That can save you money on non-refundable expenses and help you replace sports equipment.

While getting travel insurance is wise, you should understand that standard travel insurance policies may not include coverage for certain sports activities . Some travel insurance plans offer coverage for sports-related injuries and accidents, but others may have exclusions or limitations for high-risk or extreme sports.

When you purchase a travel insurance policy, review the terms and conditions to know which sports and activities are covered and any exclusions or limitations you may need to work with. Usually, travel insurance medical coverage encompasses unexpected accidents or injuries, which can include some sports like hiking or snorkeling, for example. But extreme or high-risk sports such as white water rafting or skydiving may not be included.

Exclusions depend on the insurance policy, but here are some examples of sports and activities that your standard travel insurance policy may not cover:

• Base jumping
• Bungee jumping
• Martial arts and combat sports
• Motor racing and motorsports
• Mountaineering and rock climbing
• Off-piste skiing and snowboarding
• Paragliding and hang gliding
• Scuba diving and deep-sea diving

If you find your travel policy lacking in coverage for the activities you’ve planned, you should consider getting additional coverage, such as a specialized sports travel insurance policy or add-on coverage.

Don’t expect your credit card travel insurance to cover extreme sports. 

While you should read the terms and conditions of the policy, most credit card travel insurance policies exclude risky activities , which extends to sports considered extreme. 

Credit card travel insurance often covers basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents. For example, the Chase Sapphire Reserve ® has premium travel insurance, offering up to $1 million in travel accident insurance, along with emergency evacuation and transportation insurance, emergency medical and dental benefits, and other travel insurance benefits.

If you plan to do high-risk activities and use credit card travel insurance, check your coverage and consider upgrading your travel insurance to include your desired activities.

Credit card travel insurance is helpful but sometimes limited, especially compared to adventure sports travel insurance policies. You may need to pay for travel insurance if you’re planning extreme sports or activities.

As you plan an adventurous trip, consider which travel insurance coverage may be most appropriate for your plans. Some travel insurance policies are comprehensive and cover multiple types of high-risk sports, while others are more specialized. 

Because there’s a wide variety of what’s covered (or not) on each policy, using a travel insurance comparison service such as Squaremouth can be helpful. You can search for travel insurance policies that cover the activities you’re looking for and compare costs and coverage.

Consider these types of adventure travel insurance policies or add-ons:

• Adventure Sports: On an adventure sports travel insurance policy, look for covered activities such as hiking, mountaineering, or rafting. The policy may encompass injuries, medical expenses, trip cancellations or interruptions, and equipment loss or damage.
• Extreme Sports: Travel insurance for extreme sports typically covers skydiving, bungee jumping, or rock climbing, providing coverage for accidents, injuries, medical expenses, and emergency evacuation.
• Sports Equipment: Some travel insurance offers coverage for sports equipment, which can reimburse you for loss, theft, or damage to your gear.
• Team Sports: A travel insurance policy may cover team-related expenses, such as tournament cancellations or travel delays if you travel for competitive events.
• Water Sports: Water sports travel insurance policies may cover surfing, diving, snorkeling, or water skiing. For diving coverage, you should verify that the policy covers the depths you’re planning and whether you need certifications for coverage.
• Winter Sports: Winter sports travel insurance policies are designed for winter sports enthusiasts, offering coverage for skiing or snowboarding-related injuries and emergency medical expenses or equipment loss or damage. Some also cover ski resort closures.

While you can get travel insurance for sports, including high-risk sports, most travel insurance companies have personal liability requirements . Generally, you’re required to act responsibly to use your coverage. That includes not going against local authority warnings, like entering restricted spaces, working close to dangerous animals, or not using proper safety equipment.

Do some pre-trip planning on your chosen activities to learn about the risks and requirements for everything you want to do. You may need to complete certifications or training to participate safely.

Generally, if you want travel insurance for adventurous activities, you should get quotes for a comprehensive travel insurance plan and add a hazardous sports rider. Or specialized insurance providers may offer comprehensive plans for high-risk sports and activities.

Looking for insurance companies specializing in adventure sports is often a good idea to get comprehensive coverage for all your planned activities. 

With any travel insurance policy, you should review the terms and conditions to verify your planned activities are covered. Read your policy documents for exclusions, limitations, or requirements for your chosen activities. You should also verify your coverage limits. 

If you have a health or life insurance policy, check with your insurance carrier about coverage for high-risk sports during travel. While these are likely not covered, you may be able to add a special endorsement to your policy.

Travel insurance that can evacuate you off a mountain sounds like it would be costly, but it might be more affordable than you’d think. It’s certainly less expensive than calling for your own rescue helicopter.

You should expect to pay around 5% to 10% of your total trip cost for sports travel insurance. Your actual adventure sports travel insurance costs will vary depending on your age, trip cost and duration, location, planned activities, and other factors. 

To give you an idea of what you should expect, we got a quote from IMG for an iTravelInsured Travel Sport policy. For a 29-year-old traveler on a $1,500 5-day skiing trip in the U.S., coverage costs $119.65 . 

This policy includes $1 million in medical evacuation coverage and $50,000 in search and rescue coverage. You’re covered for up to $50,000 for medical expenses due to adventure or organized sports, though hazardous and extreme sports are limited to $5,000.

Consider these factors as you compare high-risk sports travel insurance coverage:

• Claims Process and Customer Support: Get the details on what happens if you need emergency assistance or want to file a claim. For example, find out how to get medical attention if injured in a remote area and whether you’re expected to pay upfront and file for reimbursement.
• Cost: Expect adventure travel insurance to cost more than standard travel insurance. Cheaper policies tend to offer less comprehensive coverage, so consider your needs as you balance cost and coverage.
• Duration: Some sports travel insurance policies limit the length of coverage for certain activities, so make sure you have coverage for your whole trip.
• Emergency Assistance and Evacuation: You may engage in high-risk activities in remote locations or challenging environments where medical attention is unavailable immediately. A travel insurance policy can offer emergency assistance or evacuation for medical care.
• Exclusions, Limitations, and Deductibles: Every policy has limits — even extreme policies. Find out what’s excluded, the limits of what you can claim, and if you’re expected to pay a deductible before getting reimbursed. Also, understand the terms and conditions, such as duration and geographical coverage.
• Medical Coverage: With a greater risk of injuries from extreme sports, you should ensure that the insurance policy has adequate coverage for medical emergencies, including hospitalization, ambulance services, and, if needed, medical evacuation.
• Requirements: You may need to meet age limits and disclose any preexisting medical conditions to get appropriate sports travel insurance coverage.
• Reviews: Consider customer reviews and ratings, which can give insight into a travel insurance provider’s coverage quality, customer service, and claims handling.
• Sports Coverage: Find out which sports and activities are covered so you can verify yours are covered.
• Sports Equipment Coverage: If you’re traveling with costly sports equipment such as scuba gear or snowboarding equipment, compare coverage for loss, theft, or damage to your equipment.
• Trip Cancellation and Interruption: A travel insurance policy should cover trip cancellation or interruption due to sports-related injuries.

Your high-risk sports travel insurance may require you to participate responsibly. For example, terms of coverage may require you to choose reputable operators, obtain proper training or certifications, follow local regulations, and use appropriate safety gear.

Not all travel insurance providers offer sports travel insurance, but you have options. Compare these leading travel insurance policies for sports:

• battleface : battleface’s adventure sports coverage includes cycling, mountain climbing, scuba diving, canoeing, snowboarding, and more, but it has limitations, including how deep you can dive or how high you can climb.
• Cat 70 : Cat 70’s Travel Plan covers some adventure sports, including snowboarding, but excludes bodily contact sports, skydiving, scuba diving, and more.
• HTH Worldwide : The HTH Worldwide Trip Protector Preferred plan offers coverage for adventure sports, including certified divers up to 60 feet and water rafting grades 1 to 3.
• IMG : IMG’s iTravelInsured Travel Sport plan has a wide range of covered activities, including adventure, extreme, hazardous, and organized sports. However, there are exclusions for races, endurance competitions, and piloting or learning to pilot.
• John Hancock : You’re covered for some — but not all — adventure sports with a John Hancock Gold travel insurance plan. Some exclusions include diving deeper than 100 feet, participating in sports competitions, or contact sports.
• Nationwide : With a Prime plan, you can get covered for adventure sports such as cycling, fishing, rafting, and zip lining, but exclusions apply, such as extreme sports, mountaineering, and organized sports.
• Travelex : The Travelex Adventure Sports upgrade covers professional athletic events, mountain climbing, skydiving, and more. Travelex’s Travel Basic and Travel Select plans provide basic coverage for some activities, including skiing, snorkeling, and scuba diving up to 60 feet.
• World Nomads : With the World Nomads Explorer plan, you can get covered for more than 200 activities, including scuba diving, bungee jumping, and mountain biking.

The right travel insurance coverage is essential when embarking on an adventurous trip with high-risk sports or activities. Adventure sports travel insurance can coordinate medical care, offer evacuation, and save you thousands if you’re injured on a trip. Whether bungee jumping or scuba diving, sports travel insurance can provide peace of mind while you’re chasing thrills.

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Winter Sports Travel: Are You Covered?

Winter sports insurance and more.

Yet wintertime sports are also famous as a shortcut to injuries. What’s more, those injuries may not be covered by your standard health insurance if they take place out of state or in a different country. And what if your ski trip or resort visit doesn’t go as you planned – if there are delays, lost luggage, or even snowless slopes?  A travel plan with winter sports insurance can cover all of these with support or compensation.

Enjoy Snow Sports? You Need Winter Sports Travel Insurance

Why are injuries from winter sports not covered by standard health or travel insurance? Winter sports are considered adventure activities — riskier than usual tourism or day-to-day work. It’s true that people are more likely to get injured skiing down a mountain than they are at an amusement park. That’s why adventurous travelers can get winter sports insurance that keeps up with them. Look for the terms adventure sports, extreme, or sports rider to find travel insurance for winter sports. Specific travel insurance for snowboarding or skiing is available with sport-specific benefits.

SafeTreker Adventure Sports Coverage

• Valid for US residents
• Coverage for over 450+ sports and activities
• Emergency medical coverage

What to Look for In Winter Sports Travel Insurance

Not all snow sports travel insurance plans are alike. Check that all the winter sports you and your family want to try at your destination are covered. Skiing and snowboarding are the classics, and you may focus on ski trip insurance. But snowy resorts have many more offerings: snow shoeing, snow tubing, ice skating, tobogganing and sledding, snowmobiling, and zip-lining. For example, ski travel insurance may not cover zip-lining. Yet many people who wouldn’t ski will try zip-lining when they see it at a winter resort.

Check the standards of coverage, too. You want good emergency care and relocation support for winter sports insurance. Resorts have excellent first aid staff, but their responsibilities are tightly limited. If you’re hitting the slopes in a different country, get medical travel insurance with repatriation coverage, to send you home safe if you’re badly hurt.

Is Everyone In Your Group Covered?

For the best winter sports travel insurance, get coverage for everyone on your trip — your entire group or family. One person may say they’re not going to ski or snowboard. But standing beside the slopes or an ice rink, seeing everyone else join in the fun, they may change their mind. They’re often the least experienced, and the most likely to be injured as they try winter sports as a beginner. So get coverage for everyone, just in case.

Also read: Group Travel Insurance

Travel Insurance for When You Go Skiing or Snowboarding

Out of the top ten winter sports in the U.S., skiing and snowboarding accounts for half of them, including alpine skiing, cross-country skiing, freestyle skiing, and ski jumping. The exhilaration of skiing and boarding is balanced out by their risks. The powder snow can hide “death cookies” (chunks of ice) and slicks of frozen slush. You may slide by others’ wipe-outs, or you may skid into a fall yourself. That’s why you want ski travel insurance or snowboarding travel insurance.

Should You Buy Travel Insurance for a Ski Trip?

Dedicated skiers often take long trips to make the most of powder snow around the world. You may go to Canada or Europe for an extended stay or as a digital nomad during ski season. Or you may be a ski professional, following winter from the frozen North in February to the Southern Hemisphere for July and August. The best ski travel insurance will cover you wherever you roam.

For an extended stay in many countries, like Canada, you must provide proof of your health insurance for the full time of your stay. When winter sports are part of that stay, you should ensure that you’re covered for them, too, or you could be in for serious hospital bills and debts. Annual travel insurance with winter sports coverage is an option for prolonged trips.

Understanding Small Print and Big Risks

Reading the fine print is important for any insurance policy. Insurance for skiing and snowboarding is no exception. You don’t want to miss out on important coverage because you didn’t read the fine print or properly disclose all activities. Among the things you’ll want to look into are:

• Does your insurance cover refunds for specialty lessons should you fall ill and need to withdraw? This may be covered under trip cancellation, as unused equipment or passes, or as lost recreation days.
• Does your policy cover additional winter sports and activities beyond skiing and snowboarding? Check your policy’s full list of covered activities.
• What are your options if you plan on taking part in helicopter tours, snowcat skiing, or other off-piste activities? You may need additional extreme sports coverage.

Our licensed brokers can help you find the best travel insurance for skiing, snowboarding, and more snow sports. You can get single trip winter sports insurance, ski travel insurance for a full season, or long-term travel insurance with winter sports cover. We’re here to answer your questions, so contact us any time.

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Lift Passes Have Their Own Fine Print

Fine print isn’t just on insurance documents. You’ll also find it on your lift pass, resort membership agreement, and other important documents. And, depending on what it says, you may need more or less insurance than you expected. For instance, some lift passes automatically include mountain rescue coverage. In some cases, this assistance extends to off-piste activities so long as they’re within the resort boundaries. But you won’t know unless you ask!

Resorts and lift passes may include some coverage – or they may sell coverage on-site. For example, in Europe, especially in France, you’ll likely be asked if you want Carre Neige coverage. It provides emergency coverage for hospitalization, rescue, and more. It has widespread recognition but it’s not essential.Think of it as being sold car insurance when you pick up a rental car. It can offer you extra protection and peace of mind but it isn’t necessary if you already have a comprehensive insurance policy. Know your policies before you hit the slopes so you won’t be hit by last-minute panic.

Is It Worth Getting Travel Disruption Cover?

When you’re traveling for winter sports, you want travel disruption cover. What if you need to stay longer while you’re having an injury treated? You’ll have travel costs as well as hospital costs, to change tickets and extend lodging. If this happens while you’re in another country, changes can get expensive fast. So get travel insurance too, and ensure that it has coverage for delays, booking changes, and lodging.

Does Travel Insurance Cover Snow?

If your travel insurance has storm disruption coverage, you’ll be protected from travel problems caused by too much snow. That includes travel delays and cancellations. If you’ve added winter sport insurance, you can have coverage for lost equipment rental fees, too.

What if you plan a ski trip and it turns out that there’s not enough snow for good skiing at your destination? Surprise – that too may be covered, based on the state or country. Winter sport travel insurance may compensate you for lost recreational days or lost skier days. That means if there’s not enough snow for you to do the winter sports you planned on, you can claim a benefit. Plus, you’ll still be covered for snowless adventures like hiking, climbing, white-water rafting, and zip-lining.

Insure Your Winter Sports Gear Too

When you love winter sports enough to travel for them, you’ve probably invested in your favorite winter sports gear. Ski boots range from $200 to $800 per pair. High-end winter sports clothing can cost thousands of dollars per outfit. And this gear is all bulky enough that you’ll be checking luggage if you’re flying. You may even be picking your luggage up after a flight from two different areas, for standard and oversized pieces. These changes and variations increase the chance that you or the airline will lose track of your sports luggage.

Once again, it’s time for some research. When it comes to gear coverage, you want to make sure there are no exclusions that will affect you. Is your gear covered if it is stolen from your hotel or the lodge restaurant? What if it’s damaged in transit by the airlines or by the hotel shuttle company? Will your insurance company cover the cost of rentals in the event that your gear is stolen or damaged? When considering how much protection to purchase, don’t forget to consider the cost of accessories and customizations and non-athletic items you always travel with such as high-end cameras.

Have Fun Safely with Winter Sports Travel Insurance

When you’re hitting the slopes, travel insurance with winter sports cover is essential. You’re investing in a unique adventure in a fresh location. Protect yourself, your travel, and your companions just in case things get gnarly, in the snow or at the airport.

Related Articles:

• Extreme Sports Travel Medical Insurance
• Winter Travel Guide
• Advice for Planning a Mountain Climbing Expedition

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

View comments

Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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What Does Winter Sports Travel Insurance Cover?

Whether you’re learning to ski on the dry slope near you or snowboard down the black run in the Alps this winter, winter sports can be fantastic fun and a great way to keep fit. However, it’s not a sport that’s to be taken lightly: equipment and travel expenses make it a costly endeavour, and the speeds involved – combined with the unforgiving nature of snow and ice – can make it hazardous, too.

That’s why it’s advisable for every participant, regardless of their experience or ability, to have dedicated skiing insurance or snowboarding insurance , or general winter sports insurance if you are doing some form of other winter activity on your trip abroad. In this guide, we’ll look at how it works, why it’s so indispensable, and what to look out for in a good policy.

What is winter sports travel insurance?

Travel insurance for winter sports are specialist policies designed to take care of all the possible circumstances that may befall a participant, whatever their activity. They make sure that you won’t lose out financially as a result of an accident or injury that affects you, your equipment or other people, even if you’re found to be at fault. They also give you the peace of mind that any bills incurred as a result, be they medical, transport-related or otherwise, are also taken care of.

Why is travel insurance for winter sports important?

In short, winter sports can be dangerous. Whether speeding down a mountain on skis or gliding across a rink on ice skates, there is always a risk of injury . These could be caused by a fall, a collision with another person, intense physical exertion, and even through the cold weather getting through poor or damaged clothing and kit. Even the most experienced winter sports enthusiast will make mistakes or be in the wrong place at the wrong time, so keeping covered whatever happens is vital.

Because of the UK’s relatively mild climate, the winter sports facilities in this country are somewhat limited, meaning that the majority of people travel abroad, either to the Alps or further afield. This means that travellers can’t rely on the NHS in the event of injury or accident and need to ensure that they have the right insurance cover in place to avoid huge medical fees.

What kind of activities are covered?

You can get insurance cover for just about every winter sport activity you can think of. That can include downhill skiing and snowboarding, whether on real snow on holiday, or artificial/indoor slopes around the UK. It can include cross-country skiing and alpine ski touring, stunt-related activities on skis or boards, and sliding sports like ice-skating and tobogganing.

One thing that is important to remember is that most insurers will distinguish between recreational activity and competitive events. So, if you’re planning to enter a competition, make sure that you check that your chosen policy is suitable.

What is included in winter sports travel insurance?

The exact detail of what should be in your winter sports travel insurance policy will vary slightly, depending on the nature of your sport. But in general terms, there are four particular areas you should look out for:

Personal Accident and Liability

Cover is essential if you have an accident while participating in your chosen sport and you become injured and/or your equipment is damaged. Additionally, if you happen to injure someone else and/or damage their kit, you could be liable for a claim. A good policy will protect you in these areas through Personal Accident and Personal Liability cover respectively.

Cover for equipment and luggage

From the start of your trip to the end, all the possessions you take with you are at risk of loss, damage or theft. This could be damage through a crash on the slopes, or misplaced luggage that fails to arrive at your destination. Insurance can fund any replacements that you might need, including hiring kit on a temporary basis so that your holiday isn’t disrupted.

Insurance for travel arrangements and competitions

As well as your luggage, you can also cover yourself if your travel arrangements are disrupted to the point that you’re delayed or have to abandon the trip. This also extends to any competitions you’ve entered or activities you’ve signed up for. Good insurance will pay out for any entry fees that are unrecoverable.

Medical expenses and repatriation

The costs of a winter sports accident can quickly mount up, even beyond the hefty fees of overseas hospital care. In the most serious circumstances, you may need rescuing off a mountain and need repatriating back to the UK. The sums of money involved in these services can be enormous, but insurance removes the risk of any personal financial loss if they’re required.

Does an EHIC or GHIC cover winter sports activity in Europe?

Possessing a European Health Insurance Card (EHIC) or a Global Health Insurance Card (GHIC) is always a good idea for any travel abroad. However, it is not a replacement for travel insurance.

EHICs and GHICs are designed to provide emergency treatment in the event of an accident or injury, but the protections they provide do not extend to all the medical care and related services you may require. For example, if you need to be rescued from a mountain, stay in hospital abroad for a long period of time, or be repatriated back to the UK, you would still need to pay substantial amounts.

Only through dedicated travel insurance policies can you make certain that all medical and related expenses are covered in any eventuality.

Get winter sports insurance with SportsCover Direct

At SportsCover Direct, we have over 25 years’ experience covering people just like you in almost every type of winter sport, ensuring you’re fully protected whenever you hit the slopes and rinks. Our policies include medical and repatriation cover, insurance for trip cancellation and curtailment, personal accident and liability cover, and help if your equipment is lost, damaged or stolen.

Our policies are available at competitive rates, and can be bought either for single trips, or on an annual multi-trip basis. Explore all our winter sports insurance policies in detail .

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

Group Travel Insurance

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

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]

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Winter sports cover on multi trip policies

​additional guidance on winter sports cover for annual policies.

Adventure Basic policies include up to 4 weeks of Nordic Cross Country Skiing. For all other modes of winter sports activity, one of the higher cover levels will be necessary. Please click here  for guidance on the level that you will require for on and off piste downhill skiing and snowboarding.

Adventure Plus and Max Adventure policies include up to 4 weeks of winter sports holidays. ​

If you ski for more than 4 weeks in a policy year, you must take the Extreme Adventure policy, which does not limit the number of winter sports holidays although there is a 31 day single trip limit which can be extended up to 90 days. The maximum amount of winter sports cover in a 12 month period is 90 days.

SINGLE TRIP LIMITS  - please note that extended single trip limits are available for recreatioal holidays only and not for work or professional travel.

SKI RACING  - cover is not available for ski race training and competitions for any formal teams, squads or national bodies or professional level events

SKI INSTRUCTOR TRAINING COURSES  - please note that extended single trip options are NOT available for ski instructor courses, the 31 day single trip limit will apply.

Important note about calculating winter sports 'weeks' - 

• The number of weeks of winter sports included does not refer to the number of days skiing but the travelling time on a winter sports holiday. A week’s winter sports travel will usually span two weekends, travelling Friday or Saturday to the following Saturday or Sunday. This in practice involves 7, 8, 9 or even 10 days of travel but for the avoidance of doubt we count this weekend to weekend travel pattern as being ‘one week’ of winter sports travel.
• The same principle applies to 2, 3 or 4 week holidays and holidays that start mid-week.
• Weekend winter sports trips are normally of 3, 4 or 5 days in duration, e.g. Wednesday or Thursday to Sunday (or similar time spans). For the avoidance of doubt, we count two weekend trips as being equal to one week of winter sports holidays.
• If you are going on (for example) a two or three week trip but only one week includes winter sports activity, we count that as being one week of the policy winter sports entitlement. If you are only skiing for one or two days on a week or longer trip, we will count that as being one weekend of winter sports activity.
• In the event of a claim we might require evidence of your winter sports activity and might ask you for your ski pass as evidence.
• The maximum amount of winter sports we will cover in any 12 month period is 90 days. The maximum single trip limit is 90 days.

I am a member of a GB national squad - can you insure me?

Snowcard policies are not available to senior national GB squad members training and competing in international events

I will be working as a ski instructor all season, can you insure me?

Snowcard policies are not available to people working as full time ski instructors on extended seasonal contracts. We will cover ski instuctors or guides travelling from the UK for short trips but we do not offer a long stay seasonnaire option.

I will be working as a seasonnaire in a ski resort all winter, can you insure me?

Snowcard do not offer a long stay seasonnaire policy for resort staff. Please speak with your employer for assistance with insurance.

Will an annual multi trip policy cover me for working abroad?

Snowcard policies are not suitable for long stay seasonnaire or extended travel for work or professional purposes. Short trips abroad for guides or instructors is available with the Pro Adventure level of cover. If you are away working overseas for extended periods you should speak with your employer about business travel insurance.