Going on an adrenaline-packed skiing holiday is something exciting to look forward to. Many people spend their time thinking about the excitement of their holiday and forget to consider the higher safety and health risks that are associated with skiing and winter sports. Most standard travel insurance plans do not cover winter sports due to the high-risk nature of this activity. The chance of having a collision or fall is quite high while on a winter sports trip and it is important to ensure you have the right type of travel insurance to make sure you are covered on and off the slopes.

What does a ski holiday travel insurance policy cover?

Ski holiday insurance covers the basics that you would receive from a standard travel insurance policy plus additional extras which are specifically tailored to individuals partaking in skiing and snowboarding. It is important to look at the benefits of each individual policy, but a good ski holiday insurance policy covers the loss of your ski pass, damage; theft or loss of your own or hire ski equipment (which can be extremely expensive to replace), alternative equipment hire if your luggage is lost or delayed, delays caused by an avalanche as well as personal liability if you injure someone else.

What does ski holiday travel insurance not cover?

Some ski holiday travel insurance plans do not cover claims resulting from snowmobiling, freestyle skiing, competitive skiing, and ski touring. It is therefore important to check what your policy covers and to ensure that your needs are met. You should also note that claims are typically not covered if you are under the influence of drugs or alcohol or if you are not wearing protective equipment.

Finding ski holiday travel insurance

The best time to buy travel insurance is straight after booking your trip. If you are looking to buy ski holiday travel insurance, you should always conduct a needs assessment before buying insurance. If you plan on going on more than one ski trip over the next 12 months, an annual policy will save you time and money. If you are travelling as a group or family, you can also find specific policies to meet your needs. Remember, the easiest and best way to save money and maximize your coverage when buying ski holiday insurance is buy comparing quotes from a variety of different insurance companies.