Travel Insurance for Cold Weather European Destinations
Heading overseas? Get travel cover for your international trip- Cover for snowboarding, skiing and many winter sports
- Top destinations to go on a European winter holiday
- Why choose TID Travel Insurance
- Travel insurance tips to get the most out of your holiday
When you think of a holiday, sun-soaked beaches and tropical getaways might come to mind for many Aussies. However, there's a unique charm and plenty of adventure to be had in exploring colder climates.
From mesmerising natural phenomena to picturesque landscapes, these too cool for school European destinations offer experiences that are nothing short of magical if you’re looking to embrace the chill.
Cover for snowboarding, skiing and many winter sports
AT TID we know how much you love the snow and hitting the slopes. With this in mind, if you plan to go skiing to your favourite spot or you’re strapping on a snowboard for the very first time, our optional Snow sports cover is designed for winter adventures.
From broken bones and lost equipment to ski field closures, Travel Insurance Direct (TID) travel insurance can help get your winter escape back on track if things don’t go as planned.
Top destinations to go on a European winter holiday
Tromsø, Norway - Northern Lights Extravaganza
Tromsø, located in the Arctic Circle, is a prime destination for witnessing the awe-inspiring Northern Lights. This natural light display, known as the Aurora Borealis, illuminates the night sky with vibrant colours from late August to mid-April. It’s one to tick off your bucket list! Besides the Northern Lights, Tromsø offers a plethora of winter activities such as dog sledding, whale watching in the fjords, and visiting the Arctic Cathedral. The city's lively cultural scene and welcoming restaurants provide a warm retreat after a day of icy adventures.
Swiss Alps, Switzerland – Mountains and More
The Swiss Alps are synonymous with winter sports and breathtaking scenery. Famous for its world-class ski resorts like Zermatt, St. Moritz and Grindelwald, the region caters to skiing enthusiasts and those seeking a more chilled outed holiday (pardon the pun). Non-skiers can enjoy snowshoeing, ice skating, and world-famous scenic train rides through snow-covered landscapes. Don’t miss a trip to Jungfraujoch, the highest railway station in Europe, where panoramic views of the snow-clad peaks must be seen to be believed.
Reykjavik, Iceland - Geothermal Wonders and Glacial Beauty
Iceland’s capital, Reykjavik, serves as a gateway to some unique coolcations. From soaking in the Blue Lagoon’s geothermal waters to exploring the Golden Circle’s geysers and waterfalls, there’s no shortage of wonders! The city itself boasts a vibrant arts scene, quirky shops and the imposing Hallgrímskirkja church. For an otherworldly experience, venture to the Vatnajökull Glacier, where you can explore ice caves and marvel at natural ice sculptures.
Edinburgh, Scotland - Festive Charm and Historic Splendour
Edinburgh effortlessly combines vibrant culture and impressive history that’s sure to leave you wanting more. The Christmas Market is a highlight, offering traditional crafts, delicious treats, and an enchanting atmosphere. Explore the iconic Edinburgh Castle, take a stroll down the Royal Mile, and warm up with a dram of Scotch whisky in one of the many inviting pubs. If you visit during Hogmanay, Scotland’s New Year celebration, you’re in for a spectacular show of fireworks and festivities!
Rovaniemi, Finland – Santa’s Coming to Town
Known as the official hometown of Santa Claus, Rovaniemi in Finnish Lapland is a dream destination for families and anyone with a love for Christmas magic. Meet Santa, enjoy a reindeer sleigh ride, and stay in a glass igloo under the starry Arctic sky. The region also offers excellent opportunities for snowmobiling and husky safaris.
Tallinn, Estonia - Medieval Beauty and Winter Festivities
Tallinn’s cobblestone streets, fairy-tale architecture, and the festive Christmas Market in Town Hall Square make it a perfect coolcation destination. The market, with its twinkling lights and charming stalls, is considered one of the best in Europe. Explore Tallinn’s historic sites, indulge in a traditional meal of Mulgikapsad (stewed sauerkraut, pork and barley), and take in the panoramic views from Toompea Hill.
Copenhagen, Denmark - Hygge and Winter Delights
Copenhagen is the epitome of hygge, the Danish concept of coziness and contentment. Winter in Copenhagen means enjoying a warm glass of Gløgg in cozy cafes, exploring Tivoli Gardens’ winter wonderland, and experiencing the city's rich history and culture. Take a leisurely bike ride through the charming streets, visit the iconic Nyhavn harbor, and explore the royal palaces. If you’re there in February, be sure to check out the Copenhagen Light Festival!
Why choose TID Travel Insurance
When the going gets tough, TID plans aim to do the heavy lifting and may assist with travel insurance cover such as comprehensive travel insurance to help keep your trip moving in the right direction, so you can refocus on the fun.
Some of the key benefits you have access to when buying a TID plan may include:
- Cover for overseas medical expenses
- Medical repatriation if you're severely injured or fall ill abroad.
- Cover for lost, stolen or damaged valuables.
- Cover for lost or delayed baggage.
- Cover for cancellation or trip delay.
Always refer to the Australian Government’s Smartraveller website for current travel alerts affecting any of your chosen destinations before you buy a policy, before you leave Australia, and during your travels. TID’s Travel Alerts page is also an important page to keep bookmarked.
Travel insurance tips to get the most out of your holiday
- Understand your coverage: Read the policy details thoroughly to know what is and isn’t covered.
- 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.
- Keep documentation: Always keep receipts and records of valuables and purchases.
- Emergency contacts: Save emergency contact numbers provided by TID.
- Activity and sports coverage: Ensure your policy covers specific sports and activities you plan to do, like scuba diving, hiking, and motorbike riding.
- Pack for varying weather conditions, as many European countries in winter can be struck by unpredictable weather and snow storms.
- Health precautions: Have a list of local hospitals and clinics you can contact in case of a medical emergency,.
European winter holiday escapes FAQs
What are the differences between TID’s Comprehensive Overseas Travel Insurance and TID’s Budget Overseas Travel Insurance?
It’s all about more cover. The Works provides a higher level of cover when you're on holiday. You need more cover for your phone, more cover for delayed travel, and you definitely don’t want limits on your medical expenses! You want The Works. There’s even cover for loss of income if you can’t work after suffering an injury overseas. Often, those little extras can really fill in the gaps. It’s a lot more cover for really not that much extra up front. You can compare our plans here.
What happens if I don’t take Snow sports cover?
Your policy won’t cover you for any claims arising from your participation in Snow sports such as skiing and snowboarding. We may cover you if you have an accident building a snowman though, depending on where you build it. Of course, cover is available for other things as per your PDS.
How do I make sure I have Snow sports cover?
You must add the Snow sports cover option when you purchase your policy – once you’ve chosen your plan, you will have options available to customise your cover – select Snow sport cover at this point which will add it to your policy and it will be shown on your Certificate of Insurance. This mean you have additional cover available under the policy for injuries, equipment and time lost (24 continuous hours) because you couldn't get out on the slopes.
What do I do if I find myself in a medical emergency?
The Emergency Assistance team is always available to help you if you suffer a serious injury or sudden illness. The team will work closely with the claims department, which will assess your entitlement to financial assistance. Contact the Emergency Assistance team day or night as required.
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.
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