Ski travel insurance is a type of cover which is specifically designed for people visiting the slopes to ski, snowboard, or take part in any other recreational snow sports.
It usually comes as an optional add-on to a standard travel insurance policy, but provides additional cover that's useful for people who are skiing or snowboarding.
Ski travel insurance can help for those breaks to Thredbo or Hotham – or if you're hitting the slopes in Europe or America for a longer trip.
Ski insurance is specifically designed for ski trips and goes beyond what's covered under standard travel cover. It offers financial protection if:
Your ski equipment gets lost, damaged or stolen during your trip. Such equipment is unlikely to be covered under a regular policy.
You break your leg and have to visit a private medical facility for help
Personal liability if you injure someone and they try to sue you
The ski fields close down because of bad weather and you have to change resorts or are forced to cancel
You catch COVID-19 or there's an outbreak at the ski resort you booked. Conditions apply and the country must be deemed safe to travel to by Smartraveller.
Other trip cancellations: for example, if you have to cut short your trip after an injury on the slopes.
Fingers crossed, none of these will happen to you, but this is why travel insurance with COVID coverage is so important when you're on the go, even for a staycation.
Depending on the policy you get, you may or may not be covered for other forms of 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 |
|---|---|---|---|
 |
| Off-piste skiing covered under Comprehensive, Domestic or Frequent Traveller Policies with Snow Pack. Backcountry snow sports are not covered. | Get quote |
 |
| Off-piste skiing is covered under Snow Sports Plus policy | Finder AwardBonus |
 |
| Off-piste skiing is covered under Snow Sports cover | Get quote |
 |
| Off-piste skiing is covered under Winter Sports Travel Insurance | Bonus |
 |
| Off-piste skiing is covered under Snow Sports cover | Bonus |
 |
| Off-piste skiing covered (with a professional snow sport instructor/guide all the times) | Get quote |
 |
| Off-piste skiing covered under Snow Sports Plus | Bonus |
 |
| Snow Sports Cover can be added onto the Comprehensive, Australian Travel and Annual Multi-Trip policies for an additional premium. Consider the PDS and TMD from TIS and if the product is right for you. | Get quote |
 |
| Off-piste skiing covered (with a professional snow sport instructor/guide all the times) | Bonus |
 |
| Off-piste skiing (only as provided under the Winter Sports and Winter Sports Professional Ski PDSs) | More info |
 |
| Off-piste is covered | More info |
Note: This information was last updated August 2023
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