Ski Insurance review

Our verdict: Specialist travel insurance designed for skiers and snowboarders, Ski Insurance could be a good choice if you plan to hit the slopes - especially if you’re competing.

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Nicola Middlemiss

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Skiinsurance.com.au

Key takeaways

  • Ski Insurance offers specialist coverage for competitive skiers and snowboarders including equipment hire excess.
  • Cover is restricted to travellers aged under 65 with limited pre-existing medical condition cover.
  • COVID-19 cover is limited requiring a diagnosis for medical or cancellation claims.

Pros

  • Ski Insurance is one of the only brands to offer travel insurance that covers competitive skiers and snowboarders.
  • Highly-specific snow risks can be covered, including equipment hire excess.

Cons

  • There’s no cover for pregnancy and extremely limited cover for pre-existing medical conditions.
  • Cover is only available to travellers under the age of 65.
Ski Insurance Travel Insurance is not currently available via Finder. You can head to the Ski Insurance website or compare alternative options available below.

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Summary of Ski Insurance International Comprehensive Plan

Overseas Medical and Hospital Expenses
Cancellation and Amendment Fees
Luggage and Personal Effects
Maximum Age Limit

Table updated October 2023

How does Ski Insurance Travel Insurance cover COVID-19?

Ski Insurance offers limited cover for COVID-19. In most cases, you or your travelling companion would have to be diagnosed with COVID-19 to make a claim. Here’s what you can expect:

  • Overseas medical expenses, including repatriation, if you require treatment for COVID-19
  • Additional transport or accommodation expenses if you’re diagnosed with COVID-19 on your trip and have to self-isolate

Ski Insurance also offers travellers the option to add further cover for COVID-19. If this is selected, you can also expect:

  • Cancellation or amendment costs if you or your travelling companion are diagnosed with COVID-19 and need to cancel, reschedule or end your trip

There are lots of scenarios that are not covered by Ski Insurance, including costs incurred if your accommodation, travel or activities are cancelled due to COVID-19.

There is also no cover if you travel against medical advice, knowing you have COVID-19, or if you knowingly and willingly come into close contact with someone who has COVID-19.

What policies does Ski Insurance offer?

Ski Insurance offers four insurance policies to travellers. International, Domestic, Professional and Annual Multi-Trip.

Travel plane luggage passport

International

Australian Map Icon

Domestic

Passport

Professional

Hiking

Annual Multi-Trip

The insurer of this product is HDI Global Specialty. It comes with a cooling-off period of and choice of $100 standard excess for international plans.

Here's a breakdown of Ski Insurance Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that Ski Insurance will cover. Some of these benefits may only apply on the International Plan.

  • Emergency rescue
  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Piste closure, bad weather and avalanches
  • Luggage and travel delay
  • Emergency dental costs
  • Kidnap and hijack
  • Rental car excess
  • Accidental death

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Optional add-ons

Ski Insurance offers three add-ons that provide cover for a wider range of risks.

  • Equipment Hire Excess. Covers your excess if the equipment you hired is lost, damaged or stolen in an insured event.
  • Heli-Skiing. Extends your insurance policy to cover your participation in heli-skiing.
  • High-value Items. Increase the claim limit for specific items if you’re travelling with valuable items such as jewellery, gadgets or designer clothing.

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Exclusions

Unfortunately, travel insurance doesn’t cover everything. Generally, Ski Insurance will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition not listed on the document
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

This is not an exhaustive list. Make sure you review the Ski Insurance PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an Ski Insurance Travel Insurance claim

You can submit your claim online via the Ski Insurance Online Claims Form.

If you need help with your claim, you can email Ski Insurance at info@travelclaimscentre.com.

Here's the bottom line about Ski Insurance Travel Insurance

Ski Insurance is designed with skiers and snowboarders in mind, so there are some benefits that are difficult to find elsewhere. For example, it offers cover to competitive skiers and snowboarders, for heli-skiing and off-piste skiing, and for ski equipment rental excess.

However, there is no cover available for specific pre-existing medical conditions or pregnancy. The lack of cover for pregnancy, at any stage, is rare for travel insurance brands. Cover for COVID-19 is also limited.

If you're still not sure about Ski Insurance, you can compare other travel insurance companies here.

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 170 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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