Travel Insurance with Winter Sports Add-On

Travel Insurance with Winter Sports add-on covers emergency medical treatment abroad, trip cancellation, lost or delayed equipment, and lost or stolen lift passes. Most policies also include skiing, snowboarding, and other winter sports, though extreme or off-piste activities may require additional premiums.

Off-piste skiing and extreme winter sports are not always included. Optional coverage or a higher premium may be required for activities like heli-skiing, snow kiting, freestyle snowboarding, or ice climbing. Always check policy wording for what's covered.

Some policies cover pre-existing medical conditions if declared when buying your insurance. Always tell your insurer about any medical conditions you may have, otherwise your policy may become invalid.

Most policies with a Winter Sports add-on include cover for loss, theft, or damage to skis, snowboards, and other equipment. Ski pass cover is often included for cancellations due to illness, injury, or lift closure, with specified limits. Always check you Policy Wording for full coverage information.

Off-piste skiing without a qualified guide may be excluded. Some insurers only cover off-piste when accompanied by a guide. Always review policy terms before travelling.

Age limits vary by provider, typically 70–85 years. Annual multi-trip policies may have lower maximum ages, so be sure to check your policy wording before travelling.

Annual multi-trip travel policies with Winter Sports add-on allow multiple trips within a season or year, each with defined maximum durations, ideal for frequent skiers or snowboarders. Always check your policy wording for information on maximum trip length.

Costs vary by age, destination, trip length, and coverage, with higher premiums for off-piste or higher-risk activities.

Many policies cover cancellations caused by unforeseen bad weather, such as snowstorms, avalanches, or lift closures, and even if there's no snow. Check your policy limits and conditions for full details of coverage.

Yes, many policies reimburse rental costs if your equipment is delayed or lost during transit. It's a good idea to keep receipts and airline or rental reports to support your claim.

Coverage for search and rescue varies. Some policies include it automatically; others may require an additional premium. It is always recommended to confirm what is included within your policy before travelling.

Coverage depends on the policy. Some insurers include snowmobiling, sledging, or other higher-risk winter activities, while others require optional add-ons.