Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice.
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.

Can I Get Cover For Skiing and Snowboarding? | TID

Arrived at the mountain ready to hit the slopes but there’s no snow? While we can’t guarantee the weather, amount of snow, or your skiing ability. Our optional Snow sports cover available on all our plans is designed to help when things don't go to plan on or off the slopes.

Coverage available on the following plans:

Domestic Comprehensive Overseas Insurance (The Works) Budget Overseas Insurance (The Basics) Annual Multi-trip
Available Available Available Available

If you’ll be taking part in snow sports on your trip, you must select the 'Snow sports cover' to have cover under all benefit sections of your policy for any claim arising from your participation in snow sports.

Definition of Snow Sports: we define Snow Sports as, ‘Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing’

What's covered?

  • Overseas medical expenses for illness or injury.
  • Medical evacuation to the nearest facility for treatment when approved by us, including any transport by ski patrol
  • Ski lift passes: The costs of ski lift passes when you’re injured or become ill during your trip and can’t ski.
  • Hire equipment when yours is lost, damaged or delayed: If your own equipment is lost or delayed in transit or damaged, our optional Snow sports cover may help cover the costs of hire equipment, so you don’t miss out on all the fun.
  • Compensation if the weather closes the slopes:  if the weather is so bad, they close the slopes we’ll pay for your inability to go skiing, although daily and maximum benefit limits apply.
  • Baggage: If your equipment is permanently lost, or irreparably damaged, you may also be able make a claim under the luggage and personal effects section.
  • Cancellation due to illness: If you must cancel or defer your ski tour holiday because you or a family member is medically certified unfit to travel, your non-refundable pre-paid travel costs for ski tours may also be covered.

Benefit limits apply to all these sections, and you should remember if you haven’t added the Snow Sports cover option when you purchase your travel insurance policy, then these benefits may not be covered.

A helping hand when you need it the most

Our Emergency Assistance Team are on call 24/7 to help get you back to enjoying your winter wonderland. The EA team are available 24/7 to help in any kind of medical emergency, and ready to answer urgent questions.

Get a quote to get your next domestic or international adventure underway today.

What's not covered?

  • Risky or reckless behaviour – and that includes doing anything that could pose a risk to your personal safety.
  • Racing or professional sports, i.e., you are receiving a wage, salary, or appearance fee for training for or participating in the activity.
  • Travelling somewhere against Do Not Travel warnings – if there’s a government advisory against going there it’s probably not a good idea. And this includes skiing and snowboarding sites that are off-limits. 
  • Participating in snow sports while under the influence – being intoxicated while participating in snow sports is a bad idea and not only can affect any claims you may make but can put at risk your life and those who are skiing with you.  
  • Medical fitness:  snow sports are one of those activities where you do need a certain level of medical fitness.  If the doctor says you can’t ski, or you have an existing medical condition that prevents you from skiing safely, that can affect any claims you make under this section of the policy. 

Tips on how to choose the right travel insurance when on your winter holiday

Here are a few tips to help you make the right choice when planning an adventure holiday:

  • Understand your needs: different adventure sports and activities come with different risks. Understand the risks associated with your chosen activity and choose a policy that covers those risks.
  • Read the Fine Print: make sure to read the Product Disclosure Statement details carefully. Understand what is covered and what is not. Look for any terms and conditions, exclusions, or limitations.
  • Compare our policies: don't just go with the first policy you find. Compare different policies and choose the one that offers the best coverage at the best price for your sports and activity needs.
  • Check the level of cover for your sport: some activities and sports may require extra level of cover or may not be covered. Make sure you clearly understand the level of cover for your selected activities.
  • Only work with qualified and licensed instructors - if you are planning to participate in any snow and winter activities that require an instructor, then make sure whether that instructor has received the right training. They must be qualified to lead skiing, snowboarding, hiking, rock climbing, scuba diving, abseiling, or other types of tours and be registered with the governing association for their recreational activity.

The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.

Last updated: 16 October 2023

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