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Winter Sports Travel Insurance

Winter sports travel insurance covers you should you wish to enjoy adventurous sports such a skiing or snowboarding and still want peace of mind whilst on holiday. This type of insurance covers you for medical emergencies, even those related to Covid, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

If you’re planning a winter holiday and want full peace of mind, you’ll need to make sure you have Travel Insurance with ski cover in place. Few things ruin a holiday faster than an injury and a costly trip to the hospital. If you need emergency medical treatment and don’t have insurance, bills could be incredibly expensive.

Here’s what to look for when you’re buying Travel Insurance for your winter sports holiday.

Why do you need Travel Insurance that covers winter sports?

Winter sports and other snow-based activities increase the risk of injury and require a lot of specialised equipment and unique venues compared to standard holidays on the beach. All this needs to be factored into your insurance policy.

ABTA research shows that over 3.5 million Brits who have been on a winter sports holiday have never taken out Travel Insurance. The same research found that ABTA Members had reported more than 200 significant injuries caused by collisions and falls on the slopes amongst British holidaymakers in the 2018 ski season.

Proper, high-quality cover for winter sports will help you avoid costly medical bills if you have an accident during your activity, lose or damage your equipment. Without a valid Travel Insurance policy, you could be left out of pocket.

Some insurance providers will offer cover through a dedicated policy or with a special add-on. When applying for a quote with AllClear, add ‘Winter Sports’ in the ‘Extras’ section after you have selected your preferred policy and your quote will adjust accordingly.


Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Recuperation stay
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

What is covered by Winter Sports Travel Insurance?

  • Winter sports equipment – protects the cost of repairing or replacing your equipment up to £500, if yours were to be stolen, lost or damaged during your holiday. We’ll also help with the costs of hiring replacement equipment up to £10 a day. We take into account the age of your items when working out a claim.

  • Piste closure – we’ll contribute to the cost if you need to travel to another resort to ski or you can’t ski at all because of piste closures caused by a lack of snow.

  • Ski pack – cover for up to £400 of unused parts of a ski pack you bought before travelling if you’re unable to take part in winter sports because of illness or injury sustained while travelling. You’ll need to be medically certified as being unfit for your activity by a doctor at the resort.

  • Delayed ski equipment – up to £150 towards hiring replacement equipment if your own equipment is certified by your carrier to have been misplaced for more than 12 hours on the outward journey of your trip.

What activities does Winter Sports Travel Insurance cover?

As above, the sports or activities covered will vary by your insurer. So, you need to check your policy documents carefully and make sure it’s appropriate for your plans.

With an AllClear add-on, the following activities are included:

  • Inner tubing (in snow)

  • Skiing (including, off-piste, mono, heli, dry and cross country)

  • Sledging

  • Snowboarding 

  • Snowmobiling

  • Snowshoeing 

  • Sphereing/Zorbing

  • Tobogganing

If your activity is not included, call us for free on: 0808 281 0561 as we may be able  to add a specific activity to your policy.

It’s important to remember that there may be limitations or other requirements. For example, if you want to ski off-piste, you’ll need to be accompanied by a qualified instructor or guide. This information will be detailed in your policy documents.

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Age limits for Winter Sports Cover

You’ll be given the option to include Winter Sports on most of our policies. A number of our providers will insure you up to and 65 years of age.

Winter Sports Insurance with pre-Existing medical conditions

If you’re planning to hit the slopes, you must declare any medical conditions when applying for a quote.

Any injuries caused by an existing condition when participating in an activity could mean you aren’t covered if you haven’t declared it. Plus, if you fall ill while travelling because of an existing condition and you haven’t declared it, you’ll have to pay for your time in hospital. In addition to this, you won’t be covered for anything lost on your ski pack.

We can cover over 1300 different medical conditions, and we’re experts in Medical Travel Insurance since the year 2000. If you declare all your conditions, your insurer agrees to cover them, and the activity is included in your policy, you’ll be covered for the costs of your treatment and other expenses.

Why more than 3 Million People have chosen AllClear

We compare cover from up to 61 insurance providers, and 98% of customers have rated us ‘Good’ or better at being helpful and friendly. [1]

What Our Customers Say

“AllClear Gold is simply the best travel cover I have found.”

Even 2 years after having been declared to be in remission from cancer I found many companies would not insure me to go skiing, but with AllClear it was a breeze – and best of all it wasn’t expensive. I’ve been using AllClear for over 8 years and would never look anywhere else now. When I had a skiing accident 3 years ago they were fantastic and provided me with an excellent service getting me home safely, organising assistance at the airport etc. Highly recommend their services !”

Sarah Harbord – TrustPilot

Read AllClear Trustpilot Reviews

We hope you found this information helpful and you enjoy your time on the slopes!

If you’d like to start a quote, click the quote now button below.

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[1] From 450 responses.

Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 24 November 2023

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.