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When you’re off on a holiday that involves skiing or other winter-themed activities, there’s the unfortunate risk of injury, more so than if you were relaxing by the pool in the sun.
Being covered for skiing and winter sports can reduce the unnecessary expenses of medical bills, if you have an accident during your activity, loss or damage of your equipment and other costs that you weren’t prepared for.
With the right cover for your winter sports activities, you can travel with peace of mind.
Isn’t it worth doing right?
Before you travel, always check:
Important: FCDO travel advice and travel rules issued by the government are two separate pieces of advice.
Find out how your travel insurance policy can cover you for coronavirus.
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Emergency medical cover abroad for COVID-19
Easy to access and amend your policy online
We’ve given over 8m people peace of mind
Data covers Jan 2005 - Jan 2021
Get 10% off COVID-19 tests for travel with a new policy
You can make changes to your policy, online and in your own time with My Staysure.
We know you don’t always want to wait in call queues. So if you need to make changes, like updating traveller details or renewing a policy that isn’t changing, visit your My Staysure account.
You can also find some handy travel tips on our lifestyle page, including our guide to travelling after the coronavirus lockdown.
| Basic | Comprehensive |
|---|---|
| Medical emergencies and repatriation | |
| Up to £5 million | Unlimited |
| Cancellation | |
| Up to £500 | Up to £5,000 |
| Cutting your holiday short | |
| Up to £500 | Up to £5,000 |
| Baggage claims | |
| Up to £300 | Up to £2,500 |
| Cash lost or stolen | |
| Up to £250 | Up to £500 |
| Personal liability | |
| - | Up to £2 million |
| Legal protection cover | |
| - | Up to £25,000 |
| End Supplier Failure | |
| - | £3,000 |
| Excess | |
| £85-£100 | £65 |
| Comprehensive | Comprehensive with Winter Sports cover add-on | |
| Winter sports equipment up to £500 | - | ✔ |
| Ski pass up to £200 | - | ✔ |
| Winter sports equipment hire - £20 for each day, up to £300 | - | ✔ |
| Ski pack up to £250 | - | ✔ |
| Winter sports equipment delay - £20 for each day, up to £300 | - | ✔ |
| Piste closure - £20 for each day, up to £200 | - | ✔ |
| Avalanche or landslide £20 for each day, up to £160 | - | ✔ |
| Excess up to £65 | ✔ | ✔ |
| Basic | Comprehensive | |
|---|---|---|
| Medical emergencies and repatriation | Up to £5 million | Unlimited |
| Cancellation | Up to £500 | Up to £5,000 |
| Cutting your holiday short | Up to £500 | Up to £5,000 |
| Baggage claims | Up to £300 | Up to £2,500 |
| Cash lost or stolen | Up to £250 | Up to £500 |
| Personal liability | - | Up to £2 million |
| Legal protection cover | - | Up to £25,000 |
| End Supplier Failure | - | £3,000 |
| Excess | £85-£100 | £65 |
| Comprehensive | Comprehensive with Winter Sports cover add-on | |
| Winter sports equipment up to £500 | - | ✔ |
| Ski pass up to £200 | - | ✔ |
| Winter sports equipment hire - £20 for each day, up to £300 | - | ✔ |
| Ski pack up to £250 | - | ✔ |
| Winter sports equipment delay - £20 for each day, up to £300 | - | ✔ |
| Piste closure - £20 for each day, up to £200 | - | ✔ |
| Avalanche or landslide £20 for each day, up to £160 | - | ✔ |
| Excess up to £65 | ✔ | ✔ |
To be covered, you need to have received all doses of the COVID vaccine that you’ve been offered, including any booster jabs.
You can also be covered if you can’t have the vaccine due to a medical exemption.
If you have refused any doses of the COVID vaccine or any booster jab, then you won’t be covered for COVID related claims.
Looking for travel insurance that covers a variety of winter sports? You’ve come to the right place.
Our winter sports travel insurance covers the following (on a non-competitive/professional basis):
If you’re thinking of taking a husky-drawn sleigh, it is included as a standard activity, so you don’t need Winter Sports cover if doing that alone.
If you're planning on enjoying a seasonal ride in an animal drawn sleigh (and aren't planning on taking the reins), we can still cover you but we won't be covered for personal accident or liability.
Your policy can be extended to cover these activities for an additional premium, but won’t include cover for Personal Accident or Personal Liability:
We can’t cover the following winter sports with travel insurance:
We want you to have a fun and safe holiday. You will not be covered if you participate in activities that are against local authority warnings or advice.
Resort authorities classify avalanche risk as follows:
You are covered for low to moderate risk resorts rated 1 or 2.
It’s always better to be safe than sorry.
You should be covered to visit most destinations across the globe, as long as the country you’ve chosen is safe to visit.
To check your destination is safe to visit, take a look at the FCDO’s travel advice. The FCDO’s advice may change, so make sure you check it’s safe to travel before you set off.
If the FCDO, World Health Organisation or local authorities have advised against all or all but essential travel to your destination, it wouldn’t be safe for you to travel.
If you travelled against the FCDO’s advice, your policy would become invalid and wouldn’t cover you if you needed to claim. Even if advice changes while you’re on holiday, you won’t be covered if your destination was listed as unsafe when you travelled.
Whenever you need us, our 24/7 claims team is here for you.
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