Approximately 600,000 injuries occur annually on ski and snowboard trails. Every time you take a ski vacation, you risk getting hurt. Without medical coverage, you may have to cover the total cost of any medical emergencies, which can easily blow your ski trip budget.
While travel medical insurance will often cover you in the event of trip cancellations and medical expenses, it rarely covers high-risk activities like skiing and snowboarding.
When you take ski trips, you need to add Ski Travel Insurance. It provides coverage for snow sports, including skiing and snowboarding. Additionally, it may cover ski equipment if it is lost or stolen. Ski insurance will provide medical coverage for injuries incurred from accidents or illnesses while skiing or snowboarding on your ski vacation.
What Is The Best Ski Travel Insurance?
Here are our top picks for the best ski travel insurance:
1) Best Overall Ski Travel Insurance - Nomad
Caption: Best Ski Insurance - World Nomads
World Nomads travel insurance has been designed specifically for travelers so that you can have peace of mind on your trip. World Nomads can offer you coverage even if you forgot to get travel insurance or didn't think you needed it. They want to keep you and your family safe while traveling. Relax and enjoy your trip, knowing that they've got you covered. Their ski insurance coverage is some of the best available. They have comprehensive coverage for medical emergencies for your ski vacation.
2) Best Budget Ski Insurance - Tick Travel Insurance
Caption: Best Ski Insurance - Tick Travel Insurance
Tick Travel insurance is the best budget ski travel insurance option, providing comprehensive coverage at an affordable price. Whether planning a trip to the Rockies or hitting the slopes in Europe, Tick Travel Insurance offers reliable and efficient service. With 24/7 assistance and wide-ranging coverage options, Tick Travel is your best choice for ski insurance on any budget. You must select this option for winter sports coverage when purchasing your policy.
3) Best Backcountry Ski Insurance - Insure4Less
Caption: Best Ski Insurance - Insure 4 Less
Insure4Less has the best coverage for backcountry and touring. You will need to contact them to confirm the availability and price range, but they have the least restricted policies regarding backcountry skiing.
4) Easiest to Understand Ski Insurance - Insure And Go
Caption: Best Ski Insurance - Insure and Go
Insure and Go's winter sports insurance policy is quite comprehensive and relatively easy to understand. If you are 65 or under, you can add winter sports coverage to their travel insurance policies. As long as resort management has not identified an area as unsafe, then you are covered.
5) Best For On Piste Skiing Only - World2Cover
Caption: Best Ski Travel Insurance - World 2 Cover
With World2Cover's ski and winter sports insurance, you can finally visit the beautiful frosty places you've always wanted to go without worrying about your level of travel coverage. Whether a beginner or experienced, the additional premium will give you peace of mind knowing you have the right insurance for all your needs.
Buying Ski Travel Insurance
Below are some things to consider when buying ski insurance for your trip.
What does it not cover?
Many insurance policies limit coverage or exclude coverage for:
- off-piste skiing
- heli-skiing
- cat skiing
- extreme skiing and hucking off cliffs within a resort
- parachuting/skydiving
- hang-gliding and basically any airborne device that is not a licensed passenger aircraft
Make sure to review the insurance PDS before purchasing. Read the sections on what is and is not covered very carefully. Be sure you understand how the policy defines backcountry skiing.
Cost of Ski Travel Insurance
Prices for ski insurance differ among people, and it depends on various factors depending on what it costs.
Length of policy
Generally, ski travel insurance will only cover your ski holiday; the payment and coverage will expire upon returning home. It's a good choice if your plan only consists of a ski trip a year. Often the family makes several ski trips a year. It is cheaper to have yearly plans. Because of many factors involved in travel insurance costs, people can estimate how much they can afford to pay for skiing travel insurance.
Final Thoughts
Whether going on a skiing vacation for the first time or taking your kids out for a snow day, it's important to have ski travel insurance. This will help protect you from an accident or injury, so you can focus on having fun and enjoying your ski vacation!
FAQ
Does ski Insurance cover lift passes?
Yes, ski insurance will often cover reimbursement for unused passes that are a result of injury during a ski trip. Please check with your insurance provider to clarify their policies in regards to passes.
Is winter sports equipment covered with ski insurance?
Yes, ski & snowboard equipment is usually included in the policies.
What winter sports activities are included in ski insurance?
Ski insurance is usually part of a rider that includes higher risk activities. This could include backcountry skiing, heli-skiing, cat-skiing, skydiving, and more. Please check with the individual insurance provider's policy for details.
