Skiing Travel Insurance Policies

Skiing Travel Insurance Policies

For anyone planning on partaking in adventurous experiences and winter sports activities on holiday, you always have to be prepared for every eventuality during your travels.

And for anyone planning on skiing in particular, Skiing travel insurance is a necessity during your winter sports holiday as there is a high risk of injury when you hit the slopes. This equally applies to other winter sports such as snowboarding, as is regardless of your proficiency and abilities. 

Even experienced skiers are at risk of obtaining an injury whilst skiing, particularly because of the unpredictable snowy environments in which they’re surrounded, and those that are around them. 

So, before you go on any winter sports and ski holiday, you should always ensure that you have a suitable travel insurance policy that is right for your trip and will provide you with the cover that you require in the event of an injury. 

Here at Navigator Travel, we want to make finding that policy as easy and cost-effective as possible. We offer a range of policies, from Europe ski and snowboarding policies that can cover you for a few days to ski season insurance that will cover you for up to several months, meaning that there’s plenty to choose from when searching for the right ski holiday insurance for you.

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Why Do I Need Ski Holiday Insurance?

Going on a skiing holiday is inherently more dangerous than going on a beach holiday for a week, so your winter sports and ski travel insurance will offer more comprehensive cover for the activities you’ll be partaking in and, as a result, will cost a little more too. 

However, you won’t regret paying that little bit extra for the right level of cover for you if you find yourself partaking in any winter sports activities and ending up in a French hospital with a broken leg… 

The bottom line is that skiing travel insurance is a must-purchase before you hop on the plane and clip into your skis. These policies, unlike regular travel insurance, will cover you for skiing and winter sports-related accidents and injuries so that you don’t have to fork out a huge bill for any unexpected turns of events. 

Equally, you’ll find that skiing holiday insurance policies will cover your ski possessions, such as skis and other equipment, so that, should they become lost or be stolen, you will be able to claim this back. This is something that regular travel insurance policies won’t do.

However, we would add that regardless of which travel insurance policy you choose, it is important to always read the policy wording document to ensure that you are aware of the policy conditions. These could be regarding the excess on your policy, the medical expenses covered or what happens if you have to cancel your holiday. 

All of this information and more is included in Navigator Travel’s Travel Insurance Tips & Advice page which gives you a simple breakdown of what to look for when choosing your policy so that you don’t come unstuck if and when your insurance cover is called upon.

What Does Ski Holiday Insurance Cover?

Ski travel insurance will cover you for the typical elements of a holiday that normal travel insurance policies encompass, but also covers you for the elements involved in the unique case of going on a skiing holiday. We’ve highlighted below what you’ll often find to be included and not included in skiing travel insurance policies.  

What Is Normally Covered:

  •  Cancellations

If you’ve gained an injury whilst on the slopes during your ski and snowboarding holiday, you’ll be covered for cancelling the remainder of your trip. 

  • Lost, Stolen, or Damaged Of Hired, or Personal, Equipment 

If you find that your ski equipment becomes damaged, is lost, or has been stolen during your trip, your ski holiday insurance policy will cover you. 

  • Avalanches and Piste Closures

Should an avalanche occur during your trip, you will likely be covered for the delays caused by this on your travels. Also, should you be faced with piste closures, if this occurs, you may be entitled to cover from your policy, but this depends on the duration of the closures themselves.

  • Personal liability

If you cause any harm to someone else as a result of your skiing on the slopes, you are covered for any injuries that they may sustain. 

  • Equipment hire in the event of loss or delay

If you find that your ski equipment hasn’t reached you for the start of your holidays as a result of baggage delays or misplacement, you will likely be covered. However, this may only be for your outward journey. 

  • Losing a ski pass 

If you lose your ski pass whilst on your ski holiday, chances are that you will be able to claim this back on your ski travel insurance policy. 

  • Medical cover for skiing-related accidents

If you injure yourself on the slopes and require medical assistance and treatment, you can claim this back on your ski insurance. 

What Isn’t Normally Covered:

  •  Specific Types of Skiing

If you’re planning on partaking in a particular type of skiing during your winter sports holiday, you may find that your chosen skiing insurance policy will only cover you for general skiing as opposed to more specific winter sports. The following types of skiing are, more often than not, not included in regular ski travel insurance policies:

  • Ski Touring: Skiing in unpatrolled or unmarked areas.
  • Competitive skiing: Also known as downhill skiing, it involves several disciplines that require a higher proficiency and can pose an increased risk of injury when on the slopes. 
  • Off-piste skiing: This involves skiing on slopes that are unmarked by trail markers or piste poles.
  • Heli-skiing: This is skiing that involves reaching the start of your skiing destination by helicopter.

If you are unsure of whether your ski holiday insurance will cover you for these specialist types of winter sports activities, you should read the fine print to make sure that you have the level of coverage you require for the experiences you’re planning on participating in. 

At Navigator Travel, we want to make the process of booking travel insurance as straightforward as possible before your holiday. We aim to provide you with all the information in a simple and easy-to-understand format so that you can concentrate on the important things, like getting your new goggles and ski boots!

We are also available to discuss any issues personally with you if required via phone or email so you can be sure of exactly what you’re signing up for when choosing the best ski travel insurance for you.

Which Winter Sports and Ski Season Insurance Should I Choose?

Depending on how many winter trips and other holidays you plan to go on throughout the year, different travel insurance policies can suit your needs for your next winter sports and ski trip. These fall into 3 main categories:

For those who travel several times a year, this insurance will cover you for a 12-month period in which you can choose a different number of days for which you can travel in total throughout the year. 

For those who plan to take a longer trip than that covered by our Annual Multi-Trip travel insurance policy, you can opt for our long stay single trip travel insurance which will cover journeys longer than 45 or 62 days. 

Our new long stay and backpacker policies can cover trips of up to 18 months in length as well as adventure activities such as skiing and motorcycling, alongside working whilst on your holiday.

Perfect for short business trips or individual holidays abroad, the single-trip travel insurance policy provides you with the general cover you need whilst on a holiday. However, this can also be upgraded to include adventure and extreme activities, like skiing, high-altitude trekking, and skydiving, amongst others.

Whether you plan on taking numerous skiing trips throughout the year or going on a full ski season for several months, you will find the cover you need here at Navigator. Please note that Annual Multi Trip policies cover winter sports at an extra cost and adding winter sports cover to the short-stay single-trip policies will double the cost of your insurance.

On Navigator STANDARD, ENHANCED and PRIME Long Stay single trip policies, you can select a maximum of 31 days of winter sports to cover during the insured period at a modest increase in cost. If you require unlimited ski season insurance on a Long Stay policy, we may be able to offer cover on our Adventures policy.

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How Much Does Ski Travel Insurance Cost?

The cost of your ski travel insurance policy will vary greatly depending on several factors, including:

  • The length of time you plan on skiing for
  •  Where you’ll be skiing
  • The number of individuals you’re looking to insure
  • The excess amounts you require for insurance elements including medical cover, baggage cover, and cancellation cover
  • When you’re planning on travelling
  • If you suffer from pre-existing medical conditions or illnesses

What’s The Best Travel Insurance For Off-Piste Skiing?

Our ski travel insurance policies can even cover you for off-piste skiing, as long as this is in a recognised ski resort area, where off-piste skiing routinely takes place and you follow local advice.

Our sports and adventure activities travel insurance policies, including our Navigator STANDARD, ENHANCED, PRIME & SUPREME, as well as the HIGH-RISK VOYAGER and ADVENTURES policies offer cover for specific sports and activities during your holiday. This can include more adventurous, and higher-risk, forms of skiing like off-piste skiing. 

These policies can cover varying lengths of time, either for short or long-term trips, but you may find that you have to pay a supplement for more hazardous pursuits such as off-piste skiing.

You can get in touch with us via phone at 0161 973 6435, by email at, or via our online contact form, to discuss the details of your holiday and get a quote.


Does my regular travel insurance cover skiing?

More often than not, your regular travel insurance policy will not cover you for skiing on your travels. 

This is why you need to choose any one of the travel insurance policies discussed earlier in this article, dependent on the length of time you’re expecting to be on holiday and what other pursuits you’re planning on participating in whilst you’re here. These travel insurance policies are specifically crafted to encompass the necessary cover, should you need it, for your skiing holiday. 

Do you need insurance to ski in Europe? 

You need ski travel insurance to ski anywhere in the world, including Europe, regardless of where you’re travelling from.

Specifically, UK citizens travelling in EU countries may be under the impression that the European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC), will cover them for all health-related incidents. Whilst you can access a select number of state healthcare facilities in European countries either for free or at a cheaper cost with these cards, neither will cover costs related to returning to the UK, repatriation or flying family members and friends to accompany you when unwell. 

And, additionally, the EHIC and GHIC card’s cover does not provide access to healthcare in a select few countries in Europe, including Liechtenstein, Iceland, Switzerland and Norway. 

This is why additional travel insurance is always a necessity when you’re going on your holidays, particularly for ski and winter sports holidays which pose an increased risk of injury.

Does ski insurance cover mountain rescue? 

The majority of travel insurance policies will cover mountain rescue and air ambulances if these are medically essential. Regardless of whether you’re an experienced skier or just a beginner, you’re still at risk of sustaining an injury whilst on the slopes. 

This is why purchasing appropriate ski travel insurance is essential if, should you be on the slopes, you require medical assistance and transporting back to a specialist medical facility.

Find out the best price for your activity travel insurance

Annual Multi-Trip

Cover for multiple trips
  • Up to 45 days each trip
  • Option to extend to 62 days
  • Special deals for couples and families
Learn More

Long Stay Single Trip

Cover from 2 to 18 months
  • Gap years
  • Extended backpacking
  • Career breaks
  • Volunteering
  • Studying
  • Working holidays abroad
Learn More

Short Stay Single Trip

Cover for up to 45 days
  • Single holiday
  • Business trip
  • Special rates for families
  • Accompanied kids go free
Learn More


Holiday Makers

Families, couples or individuals

Families, couples or individuals on holiday or business trips for shorter durations.



gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.


Sports & Adventures

skiing, snowboarding, climbing and more

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.