Online banking

Winter sports holiday insurance

Don’t forget the important stuff that goes with booking a trip, such as travel insurance. Skiing and snowboarding are classed as risky sports, so specialist travel insurance will almost certainly be required with this kind of travel. Here’s our guide to the ins and outs of travel insurance for your winter holiday.

Choosing your insurance

Don’t just opt for the cheapest winter sports holiday insurance deal that falls into your lap – take out a policy that is tailored to your break. To do this, you’ll need to assess exactly what your needs are and conduct some careful research. Consider questions such as: what sports are you planning to take part in? What level of expertise do you have with your chosen sport? How many of your party members require insurance? Then you’ll be ready to shop around for a great deal.

Take out your insurance with a reliable provider, and one that offers the specialist cover required for this type of trip. Have a list of questions ready to ask the company before you settle on a plan, to really make sure you receive the right level of protection. With a winter break, it's common to focus on the medical aspects of insurance, but don't forget to make protecting your luggage and sports equipment from damage and theft a priority as well.

Don’t be complacent when it comes to deciding how much cover you need. Winter sports are risky, and it may be worth paying a higher price to have extra protection and put your mind at ease.

What your winter sports insurance should cover

It’s essential that you take out a winter sports travel insurance policy that meets your every need, as this could save you money on medical bills. Some of the things you should look to include in your insurance plan are:

  • Medical expenses cover - make sure this applies to every medical centre in the country you're visiting.
  • Emergency medical evacuation - repatriation to a medical facility, either the one nearest to the scene of your accident or an establishment back in the UK.
  • Multilingual emergency assistance - so you're kept in the loop at all times, and your medical team can get in touch with your loved ones back home.
  • Trip cancellation cover - in case you need to cancel your ski trip after you've made non-refundable payments.
  • Off-piste activity - not all policies will cover off-piste sports by default, so you may need to include this as an extra in your plan.
  • Sickness cover - this will ensure you don't lose out if you're too unwell to go on your holiday.
  • Accidental death - it may sound far-fetched, but the worst case scenario should be accounted for to protect your family.

Please note that you should always refer to your travel insurance policy documents for full disclosure about what is and isn't covered.

Before you set off

A sound understanding of your policy could be key to staying safe on your holiday. Before your break, make sure you've:

  • Read your policy thoroughly, paying extra attention to the small print and looking up any terms you're unfamiliar with.
  • Get a European Health Insurance Card (EHIC) (if applicable), which provides access to state healthcare in the European Economic Area (EEA) for a lower cost. It does not allow you to be transported back to the UK if you're injured or sick, however, and it is not a substitute for travel insurance.
  • Declared any pre-existing medical conditions you may have to your provider - if you fail to do this, your policy could become invalidated.
  • Printed off your travel insurance documents and placed them in a plastic wallet to keep them safe in your luggage, or saved them to an online location you have access to all over the world just in case you need to show them.
  • Checked your policy covers all of the winter sports you're expecting to try out while you're away, and taken out insurance that's valid in the country you're visiting.
  • Familiarised yourself with winter sports safety tips to minimise the chances of having an accident while you're away.