skiing

Ski Travel Insurance

Going to hit the slopes? Avoid huge bills by getting ski cover if you're skiing or snowboarding.

With skiing, snowboarding, tobogganing and more exciting winter sports to do, snow holidays are certainly full of thrills. That said, sometimes they also include some spills.

Protect yourself on (and off!) the slopes and make sure you have adequate winter sports cover for your holiday that covers you for everything from emergency evacuation from the ski fields to lost equipment by the airline on your way over.

Compare ski travel insurance policies from Australian brands

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DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

Find out all you need to know about ski insurance

Why you need ski cover

A ski travel insurance policy provides all of the same features as a standard policy such as cancellation cover, luggage cover, medical cover plus stacks more including:

  • Emergency transport to hospital. In the event of an accident on the ski fields, ski insurance can ensure that you are covered for emergency evacuation to the hospital and even for helicopter rescue if this is required. Most insurers will cover emergency evacuation to the nearest hospital and home again if necessary.
  • Extreme weather conditions. In the event that you forced to cancel your trip due to extreme weather such as blizzards and snowstorms, ski insurance allows you to recoup prepaid costs and expenses.
  • Cover for equipment hire. Winter sports travel insurance covers loss or damage to hired and owned ski or snowboard equipment. If your ski gear is delayed (for more than 24 hours) or lost by your carrier, your insurer may cover the costs associated with hiring equipment.
  • Cover for your own equipment. Ski insurance can also provide cover for specific items if they are over a certain price. You will be covered for the repair and replacement of your equipment and for the additional cost of hiring alternative equipment.
  • Weather related issues. Many snow travel insurance plans cover you for transport and accommodation expenses if you are forced to travel to a new resort due to inclement weather.
  • Unused ski passes or lessons. Depending on which cover you take out, you may also be covered for unused ski passes, equipment hire and lessons in the event that you are unwell or as a result of loss or theft.
  • Heli-skiing. Many providers provide cover for heli-skiing for an additional premium loading.

What should you look for in a ski insurance policy?

Travel insurance with a ski insurance option should provide you with cover for:

  • Medical expenses and dental emergencies. In the event that you are taken ill or injured and includes cover for emergency transport, medical evacuations, funeral arrangements and emergency dental.
  • Luggage and personal belongings. You should be covered in the event of loss, damage or theft of personal belongings such as your luggage, credit cards, traveller's cheques, and other personal items.
  • Personal liability. If you injure someone or cause damage to their property while you are away, you could end up facing huge legal costs and damages. With personal liability protection you will be covered in the event that a claim is made against you.
  • Accidental death or disability. Your ski insurance should cover you in the event of accidental death or disability while you are travelling.
  • Excess on a rental vehicle. If you decide to rent a vehicle and you are involved in an accident or the car is stolen, you will be covered to some degree by the vehicle insurance you took out with the rental company. In the event that you are still liable to pay excess charges, your travel insurance should cover this amount.
  • Holiday firm/airline insolvency. If you have already paid upfront for your holiday and you then find out that your airline or holiday firm goes out of business, you could face great financial loss. With your ski insurance, you will be covered for any prepaid expenses if your holiday company or airline goes bust.
  • Delays and cancellation. Standard travel insurance also provides cover against delayed flights or if you have to cancel your trip due to reasons such as illness or injury that stops you from being able to travel.
  • Removal of excess option. Most policies will allow policyholders to pay an additional small fee on their policy to have any excess they are charged under claim removed.

In addition to the benefits listed above, your ski insurance should also offer the additional specialist benefits that you need, including:

  • Activity related injuries. If you sustain injuries while you are engaged in the winter sports activities for which you are covered on your specialist plan, you will be covered so you can get the treatment you need.
  • Protection of specialist equipment. The cost of winter sports equipment can be extremely high. With your specialist cover, you can ensure that your equipment is covered against loss, damage or theft, which could save you a lot of money if something should happen to it.
  • Additional coverage. There may also be other areas of coverage that are included as part of your winter sports travel insurance cover, such as 'no snow' cover in the event that you cannot take part in your chosen activities due to problems such as lack of snow, avalanches, piste closure or strong winds. Ski lift pass loss may also be covered, although this is not always the case, as some will only cover ski lifts if you cannot use them due to illness or injury.

These are just some of the features you should look out for on your policy. Each ski insurance policy will list both the benefits and exclusions of the policy clearly on the website or in the product disclosure statement. It is extremely important to review these and the conditions of each prior to application.

What else should I know about ski and snowboard insurance?

Every travel insurance policy will have conditions for events that they will not provide a benefit payment for. These can vary significantly between providers so it is important to be clear on events that you stand to receive a claim for:

Some sports are not covered automatically. Most policies will not provide a benefit payment for claims arising out of participation in:

  • bobsleighing
  • snow rafting
  • para-penting
  • ski acrobatics
  • ski joreing
  • any use of power assisted snow transport unless supplied by snow authorities for transport to and from the slopes.
  • Resorts in certain periods. Some policies don't provide cover outside of the recreational ski season. This provision is in place unless these resorts are open and there is sufficient snow for skiing.
  • Bad weather and avalanche closure. Most providers will require you to obtain a written confirmation from an appropriate authority confirming the closure.
  • Skiing under the influence. Like all travel insurance policies, you will not be covered for any losses that occur if under the influence of drugs or intoxicated.
  • Skiing out of bounds: There are a number of insurers that will cover you for skiing/snowboarding off-piste but only if you are within the boundaries of the resort. Generally you will not be covered for backcountry skiing outside of the resort boundaries.

How does excess work with snow travel insurance?

Depending on your ski insurance policy, there may be a few different benefits that mention the term "excess".

Travel insurance excess

The first you'll see is the standard excess for your travel insurance. This comes as standard with your cover and is the amount you're agreeing to pay the insurer should you make a claim. Most travel insurers will allow you to either increase or decrease your excess, which in turn affects the cost of your policy. Paying a higher excess means you'll pay less for the policy but more if you need to make a claim. Choosing a nil or zero dollar excess means you'll pay more for the policy but won't have an excess come claim time.

Snow ski equipment hire excess

Some travel insurers such as ski-insurance.com.au allow you to buy an additional benefit that covers the excess payable on damaged or stolen hire equipment.

Rental car excess

If you hire a car while away, it's the rental company NOT your travel insurance that covers you in the event of an accident. However, the policies from these rental agencies generally come with a hefty excess. Car rental excess insurance protects you against these costs up to the limit of the policy.

What activities are covered by ski insurance?

Is off-piste skiing covered?

Most insurers will offer cover for recreational skiing and snowboarding under a ski insurance policy but this will rarely include cover for off-piste, cross country or backcountry skiing.

A piste is recognised as a marked run or path down a mountain. Off-piste skiing refers to skiing in the backcountry or on unmarked trails. As there are more risks involved, only a handful of insurance providers will offer off-piste cover.

Provider Covered? Conditions Apply
1Cover Logo
  • Yes
Off-piste skiing (only as provided under the Winter Sports and Winter Sports Professional Ski PDSs) Get Quote
Budget Direct Travel Insurance
  • Yes
Off piste skiing covered (with a professional snow sport instructor/guide only) Get Quote
Columbus Direct
  • Yes
Both off piste and cross country(Nordic skiing) are covered provided you have paid additional Winter Sports Cover premium Get Quote
InsureandGo
  • Yes
Off-piste skiing is covered under Winter Sports Travel Insurance Get Quote
Multitrip Travel Insurance logo
  • Yes
Cover for off-piste skiing is available if you buy a winter sports cover pack. You must have a professional snow sport instructor/guide. Get quote
Skiinsurance.com.au
  • Yes
Off-piste is covered Get Quote
Travel Insurance Direct
  • Yes
Off-piste is covered within resort and terrain park boundaries on groomed or ungroomed runs and marked trails which are patrolled or monitored by resort authorities Get Quote
  • Yes
Off-piste skiing and snowboarding covered under Comprehensive, Domestic or Frequent Traveller Policies with Snow Pack. Back-country snow sports are not covered. Get quote
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Can I get cover for cross-country skiing?

Wanting to try your hand at cross-country skiing? Not all insurers cover this. However, a few of the ski insurance in our panel do.

Provider Covered? Conditions Apply
Columbus Direct
  • Yes
Columbus Direct cover cross-country skiing on marked trails Get Quote
InsureandGo
  • Yes
InsureandGo cover cross-country skiing on marked trails Get Quote
Travel Insurance Direct
  • Yes
Travel Insurance Direct covers cross-country skiing on marked trails Get Quote

Ski travel insurance policies can protect you whether you're hitting the slopes in Canada or carving up the powder in Japan. The only destination where you're going to see a difference is if you're heading to the Australian ski fields, as you won't be covered for medical since you're already covered by Medicare or your private health insurance.

Can I get cover for professional skiing?

Short answer, yes. It is possible to find cover for professional skiing. Unfortunately, not all insurers cover professionals, so it is crucial that you check with the company prior to purchase and also read through the PDS thoroughly. Luckily, two of the providers in our ski insurance panel do cover professional skiing.

Brands Product Product Details Apply
1Cover Ski Travel Insurance

Emergency evacuation from ski fields

Cover for prepaid ski hire ski pass and ski equipment

Bad weather and avalanche closure

Cover for ski equipment hire

Get quoteMore info
Skiinsurance.com.au Professional Ski Insurance

Provides cover for professional skiers taking part in competition

Unlimited overseas emergency medical assistance

$5,000 luggage and personal effects

$5,000 rental vehicle excess

Get quoteMore info

How much does winter sports cover cost?

The cost of ski insurance varies based on a number of factors. With so many providers offering travel insurance, the market has become very competitive, which means that you can find some great deals if you take the time to look around.

Some of the things that can affect the amount that you will pay for ski insurance include:

  • The provider you choose. Price isn't everything. While budget policies may appear great in a quote comparison table, they often have higher excess charges and lower payouts for different benefits. So be careful.
  • The policy you choose. The level of cover you choose affects the amount you pay for your ski insurance such as medical only, standard or comprehensive cover.
  • Your age. The older you get, the greater the risk to the insurer you pose, so you'll pay a higher premium.
  • Your destination. The destination you're travelling to impacts how much your policy costs.
  • The duration of cover. The cost of winter sports travel insurance can be affected by the length of time you are going for, as the longer you require cover for the more you will have to pay for this protection.
  • Your holiday plans. If you are planning on engaging in risky activities, such as skiing, you'll end up paying more.
  • Cover for high-value items. Most insurers allow you to take out additional cover for items with greater value than the default amount that will be paid for loss. Registering high price items will incur a premium loading based on the number of items and the value that is stated.

You may recognise the table below from earlier, but there is one difference. This time, not only does the table display the prices for ski insurance but also how that compares to the same policy prior to the addition of the ski option.

Travel insurance for international ski trips

Best travel insurance for skiing in New Zealand

Heading to New Zealand and plan on hitting the slopes, you're going to want to make sure you've got adequate protection in place.

While we do have a reciprocal health agreement in place, it won't help you with 100% of the costs if you need to be medically evacuated from the slopes.

Brand Policy Price Get Quote
Fast Cover Snow Sports Plus $74.50 Get Quote
Fast Cover Snow Sports Plus including Cruise $82.90 Get Quote
Columbus Direct Single Trip Premier Ski $77.90 Get Quote
Insureandgo Gold Policy Ski $89.02 Get Quote
Travel With Jane Luxe Ski $71.27 Get Quote
Travel Insurance Saver C Travel Plan (Comprehensive) with Snow Cover $270.30 Get Quote

Quote price is based on a 30 year old traveller, travelling for one week. Prices are correct as of January 14, 2019.

Best travel insurance for skiing in Japan

If you're looking to hit the powder in Japan, you're going to want to make sure you're not only cover in case you wipe out and end up in hospital, you're going to want to have protection for your ski or snowboarding gear in case it's damaged in transit or stolen,

Brand Policy Price Get Quote
Fast Cover Snow Sports Plus $117.90 Get Quote
Fast Cover Snow Sports Plus including Cruise $138.90 Get Quote
Columbus Direct Single Trip Premier Ski $108.30 Get Quote
Insureandgo Gold Policy Ski $111.26 Get Quote
Travel Insurance Saver A Travel Plan (Comprehensive) with Snow Cover $289.00 Get Quote
Travel With Jane Luxe Ski $101.83 Get Quote
Travel Insurance Saver International Comprehensive with Snow Cover $260.44 Get Quote

Quote price is based on a 30 year old traveller, travelling for one week. Prices are correct as of January 14, 2019.

Best travel insurance for skiing in Canada

While Canada is well known for its medical system, those services are only provided free of charge to Canadian citizens, as Australia doesn't have a reciprocal health care agreement in place with Canada.
This is why it pays to have travel insurance, as it can protect from the huge costs associated with being medically repatriated to smaller but still non-insignificant costs such as if your ski gear is stolen.

Brand Policy Price Get Quote
Fast Cover Snow Sports Plus $123.90 Get Quote
Fast Cover Snow Sports Plus including Cruise $152.90 Get Quote
Travel Insurance Saver Premium Plus (Comprehensive) with Snow Cover $325.55 Get Quote
Columbus Direct Single Trip Premier Ski $151.05 Get Quote
Insureandgo Gold Policy Ski $153.32 Get Quote
Travel With Jane Luxe Ski $132.40 Get Quote
Travel Insurance Saver International Comprehensive with Snow Cover $291.04 Get Quote

Quote price is based on a 30 year old traveller, travelling for one week. Prices are correct as of January 14, 2019.

Best travel insurance for skiing in Europe

If you're planning a ski holiday in Europe, you need to remember to pack travel insurance.
Travel insurance can protect you in a range of situations including medical care should you take a tumble on the Alps or if your ski equipment is stolen from your chalet.

Brand Policy Price Get Quote
Fast Cover Snow Sports Plus $105.90 Get Quote
Fast Cover Snow Sports Plus including Cruise $117.90 Get Quote
Columbus Direct Single Trip Premier Ski $120.65 Get Quote
Insureandgo Gold Policy Ski $132.58 Get Quote
Travel Insurance Saver A Travel Plan (Comprehensive) with Snow Cover $289.00 Get Quote
Travel With Jane Luxe Ski $117.12 Get Quote
Travel Insurance Saver International Comprehensive with Snow $271.32 Get Quote

Quote price is based on a 30 year old traveller, travelling for one week. Prices are correct as of January 14, 2019.

Travel insurance for skiing in Australia

If you're planning on hitting the slopes in Australia, you should still consider travel insurance. While medical is covered by Medicare, you can still benefit by having cover for your ski equipment.

Why doesn't travel insurance cover medical in Australia?

Since you won't be leaving the country, having cover for medical is unnecessary as you're covered by Medicare or you're private health insurance.

If you are hitting the slopes, it's worth pointing out that having ambulance cover in place is a good idea, as it will cover the costs if something happens and you're forced to be medevaced. Below is a map of just how far you'll have to travel in an ambulance should something happen


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I'm over 70 - can I get ski insurance?

Just like with cross-country and professional skiing, not all providers are willing to provide cover. However, if you are looking for cover for over 70s, you're in luck. The table below shows the providers within our panel that do provide cover.

Brands Product Product Details Apply
InsureandGo Winter Sports Cover

Overseas emergency medical assistance

14 winter sports activities covered

$600 cover for prepaid ski hire, ski passes and ski equipment

24hr emergency assistance

$1250 cover for damage to winter sports equipment

Get quoteMore info
Travel Insurance Direct Winter Sports Travel Insurance

Emergency evacuation from ski fields

Cover for prepaid ski hire ski pass and ski equipment

Cover for ski equipment hire

Piste closure

Get quoteMore info
Columbus Direct Winter Sports Cover

$500 piste closure

$750 delay due to weather conditions

$500-750 cover for ski equipment (hired or owned)

$500 for pre-paid ski pass, equipment and tuition fees

Get quoteMore info
AMEX Travel Insurance Snow Cover

Available as an add-on

$1,500 own winter sport equipment winter sport

$1,500 equipment hire unused winter sports costs

$1,000 piste closure

$750 weather and avalanche closure

Get quoteMore info
CoverMore Optional winter sports cover

Emergency evacuation from ski fields

Bad weather and avalanche closure

Cover for prepaid ski hire ski pass and ski equipment

Get quoteMore info
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Some final questions you might have

Find out more about specific sports travel insurance cover

Picture: Unsplash

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12 Responses

  1. Default Gravatar
    garyJanuary 19, 2017

    i am 66 my wife 67 we buy annual travel cover every year and we normally ski in japan and or canada for 3/4 weeks each year and 1/2 weeks in australia we currently hold car ins with apia and have been pleased with your service can you provide a short list of insurers to cover above thanks gary

    • finder Customer Care
      RichardJanuary 24, 2017Staff

      Hi Gary,

      Thanks for getting in touch. finder.com.au is a comparison service and does not have access to products from APIA. If you would like to compare brands in our panel, you can do so by heading to our travel insurance home page.

      All the best,
      Richard

  2. Default Gravatar
    November 8, 2016

    Hi, I have a credit card complimentary cover for my 5-week trip in US. However, I would like to buy a separate cover for skiing downhill about 10 days in Colorado. Please advise whether I should enter for my entire travel period or just the time spent on skiing. Thanks.

    • finder Customer Care
      RichardNovember 9, 2016Staff

      Hi Trang,

      Thanks for getting in touch. Many travel insurance will require you to have taken out cover prior to your departure to the USA. You may wish to look into brands that offer one way travel insurance, as they maybe able to insurer part of the trip.

      Cheers,
      Richard

  3. Default Gravatar
    martiJuly 20, 2016

    Hi there
    I am going to NZ to ski. I am a New zealand citizen on a NZ passport but live in australia (resident) for 20 years
    Do i need extra ski cover ? Or am i covered as a New zealander under their health system where I would not have to pay for emergency medical etc

    • finder Customer Care
      RichardJuly 25, 2016Staff

      Hi Marti,

      Thanks for your question. finder.com.au is comparison service and we are not permitted to provide our users with personalised financial advice. Travel insurance covers more than just medical costs and can protect you for cancellation, lift passes, damaged or stolen ski gear, etc.

      All the best,
      Richard

  4. Default Gravatar
    joanApril 3, 2016

    Hello, I am always traveling in Thailand and Cambodia, where in Philippines I, can’t get travel insurance and how much that I am Joan, please get information. I am Philippina

    • finder Customer Care
      RichardApril 4, 2016Staff

      Hi Joan,

      Thanks for your question. Unfortunately, the majority of the travel insurance brands in our panel require that those taking out cover are an Australian resident or part of their trip will be coming through Australia.

      All the best,
      Richard

  5. Default Gravatar
    BethenyNovember 22, 2015

    i am working in japan for 3 months and travelling for one month. my work is as a ski instructor. i need an insurance company that covers working in the snow!

    • finder Customer Care
      RichardNovember 23, 2015Staff

      Hi Bethany,

      Thanks for your question. Unfortunately, none of the travel insurance brands in our panel offer cover ski instructors. You may want to contact the resort you’re going to be working at as they may have some recommendations for who normally offers cover to their instructors.

      I hope this was helpful,
      Richard

  6. Default Gravatar
    AnnaNovember 9, 2015

    I am looking for an insurer that will cover me and my family – we do have different needs as we will be in Japan for different dates and my son has a pre-existing break (within 12 months) that we would need to think about. I need off piste, but not my husband or son. Can you please recommend some insurers that will cover our random needs as a family.

    Thanks.

    • finder Customer Care
      RichardNovember 10, 2015Staff

      Hi Anna,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with product recommendations.

      If you’re planning to travel separately, you’ll need to check with your insurer whether they permit this. Many joint or family policies either require you to all be travelling at the same time or travel together for a large percentage of the trip.

      Most insurers offer cover for existing conditions but again this is dependant on the insurer. InsureandGo advertise that they consider all conditions.

      On the page above, there is a table that displays the travel insurance brands in our panel that offer off-piste cover.

      I hope this was helpful,
      Richard

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