Winter Sports Cover Travel Insurance
Stay protected on the slopes with cover for skiing, snowboarding, and winter sports gear.
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Quays saves you time by letting you quickly compare multiple policies in one place and choosing the best tailored winter sport insurance policy for you.
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Quays saves you money by helping you find affordable coverage without compromising essential protection.
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Quays offers highly rated policies, giving you peace of mind that you’re insured by trusted providers while enjoying your winter sports adventure.
What is winter sports insurance?
Winter sports travel insurance is a special kind of insurance policy that protects you from snow or ice-related sporting activities such as skiing, snowboarding, ice skating or snow mobile racing. Many of these high-risk activities are usually excluded from standard travel insurance, so you might not be protected if you get hurt on the slopes, misplace or damage your equipment or face travel disruptions due to the winter weather.
Do I need winter sports travel insurance?
Winter sports come with higher risks of accidents, injuries, or equipment damage, making winter sports insurance essential. It provides coverage for emergency medical care and mountain rescue, protects your expensive equipment, compensates for piste closures or avalanche delays, and covers unused ski passes or lessons if illness or injury prevents you from skiing. With this protection, you can enjoy the slopes with confidence and peace of mind.
What does the best winter sports insurance include?
Winter sports travel insurance offers coverage for your holiday as well as the additional risks associated with activities involving snow and ice.The best winter sports insurance should include the following:
Emergency medical care and repatriation
Injuries sustained on the slopes can quickly become fatal, winter sports insurance covers emergency medical treatment, access to emergency helpline 24 hours a day.
Mountain rescue and evacuation
The cost of a rescue from the slopes can be very high. If you are hurt or stranded on a mountain, the best winter sports insurance covers helicopter evacuation, mountain rescue, and piste rescue.
Avalanche disruption
Travel plans may be disrupted by severe weather. The best winter sports insurance covers delays or additional accommodation expenses caused by landslides, avalanches, or a lot of snow.
Inability to participate
If you become incapacitated due to an illness or injury and can no longer take part in a pre-arranged sporting event, we will cover the cost up to a pre-determined limit.
Cancellation
Cancellation and curtailment cover helps you to recover non-refundable travel and lodging expenses if you must cancel your trip prior to departure or shorten it due to illness, injury, or other covered reasons.
What sports activities are covered with the winter sports add-on?
Some of the winter sports activities we cover include:
- Skiing (on recognized paths)
- Snowboarding
- Sledging
- Dry slope skiing
- Snow shoeing
- Snowmobiling
- Off-piste skiing or snowboarding (accompanied by an instructor)
- Ski racing
Do I need winter sport insurance if I have an EHIC?
The European Health Insurance Card (EHIC) or the Global Health Insurance Card (GHIC) gives you access to state-funded medical care in European countries at the same cost as residents of that country. However, it should not replace your travel insurance but should only be an addition to it not a substitute as it does not cover for winter sports. EHIC and GHIC does not cover for mountain rescue, repatriation back home, lost luggage, lost or damaged ski equipment, and piste closure or delays due to an avalanche. Winter sports insurance covers all these and more, you don’t need to worry about anything so that you can confidently navigate the slopes.
Can I buy winter sports insurance if I have a pre-existing medical condition?
Absolutely, if you have a pre-existing medical condition, we will still provide you winter sports travel insurance. We will require your medical history as well as conduct a medical screening in order to thoroughly analyse your condition and ensure that you are completely covered for any declared and accepted medical condition while abroad.
Having the appropriate coverage guarantees your safety both on and off the slopes, while certain circumstances will require you to pay an extra premium.
Tips & Advice
Frequently Asked Question
What activities are covered by winter sports travel insurance?
Winter sports travel insurance covers activities such as skiing, snowboarding, ice skating, snow shoeing, and sledging. We can include some additional add-ons in your policy such as off-piste skiing when accompanied by a guide. Always read your policy carefully to confirm which activities are covered.
Does winter sports insurance include mountain rescue?
Yes, an important aspect of winter sports travel insurance is cover for mountain rescue, including piste rescue and helicopter evacuation, which are not covered by EHIC or standard travel insurance.
Are ski passes and lessons covered?
Our winter sports policies include ski pack cover, which can reimburse unused lift passes, ski school fees or equipment hire if you’re unable to ski due to injury or illness.
How do I get winter sports travel insurance?
Getting winter sports travel insurance is easy, request a quote online, and request for a winter sports cover when prompted. Choose the level of cover you want. Read the fine prints carefully to see what’s covered and what’s not.
What is the difference between winter sports insurance and ski travel insurance?
Companies refer to their additional cover for winter sports differently and sometimes the sports activities covered vary. At Quays, our winter sports travel insurance covers not just skiing but other ice and snow related sports.
When should I buy winter sports travel insurance?
It is best to buy winter sports travel insurance as soon as you book your trip. This ensures you’re covered for cancellation as well as incidents on the slopes.