Skiing Travel Insurance

If you’re heading to the slopes, ski holiday travel insurance is as important as a warm coat. Luckily we’ve made getting ski cover as quick and easy as possible.

If you’re aged 65 or under, you can add winter sports travel insurance to any of our policies. Just choose the policy that suits you, whether online or over the phone, and you’ll have the option to add cover for skiing before you buy. We even offer ski insurance off piste!

If you’re planning to go with your family, you should consider a family ski travel insurance policy. We also offer cover for snowboarding travel insurance.


If you choose an annual travel insurance policy, adding cover for skiing allows you up to 17 days of snowy fun. On single trip travel insurance, adding ski trip insurance covers you for the whole length of your stay, so you can go skiing for up to 365 days!

Here’s a list of all the ski activities we cover:

Note: Unfortunately, we’re unable to cover ski flying, ski jumping or ski mountaineering. For the activities marked with an * above, an increased medical excess of £250 will apply, and there will be no cover under the policy’s personal accident or personal liability sections. See our policy wording for more details.

What is coveredWhat is not covered
Lost, stolen or damaged itemsLost, stolen or damaged items left unattended (unless in a ski rack between 10am-8pm)
Costs to hire equipment if yours is lost, stolen or damagedLost, stolen or damaged items not reported to the police within 24 hours
Replacement ski passAccidents or injuries due to drugs or alcohol
Piste closureSki flying
Medical costsSki jumping
Repatriation costs if medically necessarySki mountaineering 


Unfortunately, our cover for ski trips is only available to people 65 and under (when they buy the policy) and is limited to 17 days per year on annual travel insurance policies.

We cover off-piste skiing unless the area has been designated as unsafe by the resort. We are also not able to cover any professional-level ski racing or training.

We will cover all skis, poles, boots & bindings even when they’re left in ski racks (between 10am and 8pm)! Payments for damaged or stolen equipment decrease with the age of the item, and we won’t be able to cover any ski equipment that is left unattended in a public place


As with all of our travel insurance policies, InsureandGo Ski trip travel insurance covers Covid-19 as standard. This covers you for medical costs and cancellation if you are diagnosed with covid while abroad, subject to certain conditions. Please see the coronavirus travel insurance page for more information about travel insurance that covers coronavirus.


Our single trip ski insurance can cover you for trips when you’re skiing every day for up to 365 days! Even if you have an annual policy with ski cover, if you’re skiing for more than 17 days, you’ll need a single trip travel insurance policy with ski cover to ensure you’re protected on the slopes.


Just like with every other trip, it’s essential to ensure you have adequate travel insurance with medical conditions. We’ll consider cover for any medical conditions which are declared to us, even while you’re on a ski trip. However, please be aware that some conditions, such as osteoporosis, may not be covered while you’re skiing.


How much is travel insurance for a ski holiday?

The cost varies from policy to policy and depends on several factors, such as your age, destination and the length of your trip. Please contact us for a quote.

What to look for in ski season travel insurance?

Every provider offers different cover for skiing – there will be variations in the activities covered and the amount they’ll pay out for cancellations and your belongings. You should always check to ensure that your policy meets your specific needs. In general, you should look for ski travel insurance which provides cover for:

  • Medical costs while taking part in your chosen skiing activity
  • Costs to return you to the UK if medically necessary
  • Lost, stolen or damaged ski equipment
  • Piste closure and lift passes
  • Cancellation or curtailment

Is equipment included in ski travel insurance?

Yes. All InsureandGo policies with ski travel insurance added will cover equipment lost, stolen or damaged as long as it is not left unattended in a public area. If your skis or boots are delayed on your journey to the slopes, we’ll even pay for you to hire replacements until they arrive.

When should I buy travel insurance for a ski trip?

Ideally, you should buy your ski cover as soon as you book your ski trip, to make sure you’re covered if you unexpectedly have to cancel. However, as long as you purchase your policy before you leave the UK, you will be covered to ski.

Are there age limits for ski travel insurance?

Yes. Unfortunately, we can only provide skiing cover for travellers under the age of 66 when purchasing the policy.

  1. Unlimited emergency medical expenses available on Black level policies.
  2. InsureandGo’s Gold achieved a Which? Best Buy.