Finder makes money from featured partners, but editorial opinions are our own.
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.
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.
Summary of Ski Insurance International Comprehensive Plan
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Unlimited
Luggage and Personal Effects
$5,000
Maximum Age Limit
64
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.
International
Domestic
Professional
Annual Multi-Trip
The insurer of this product is HDI Global Specialty. It comes with a cooling-off period of 14 days and choice of $100 standard excess for international plans.
Here's a breakdown of Ski Insurance Travel Insurance 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
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.
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
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.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 231 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
This guide looks at the types of stand-alone policies offered by insurers and asks whether we can really afford to be without medical cover when travelling overseas.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.