Snow-capped peaks are a playground until something goes wrong. That's where a 'Snow Sports and Activities' option may be appropriate. When the Snow Sports and Activities option is added to one of our policies, our travel insurance provides protection for claims made when you take part in winter sports. This means cover may be provided for injuries, equipment and any time lost because you couldn't get out on the slopes.
There are some important things that you may be covered for, such as damage to your snow gear, and some things that we don't, such as braving it down unmonitored trails. We'll go through most of the things you need to know about, but you'll need to read policy wording before you clip your skis into place.
Every year, tens of thousands of us go overseas to hit the slopes in the colder parts of the world. From ski schools in Canada to the wide-open runs of France, Australians can be found on pistes all around the world.
Zooming down an icy hill on planks is much riskier than lying by the pool in the sun all day. Each ski season, we receive hundreds of claims about broken bones, torn ligaments and dislocations from skiing accidents. Injuries sustained from snow sports can be serious and the cost of staying in hospital in some countries, such as America or Japan, is extortionate. Not to mention all the damaged snow sports equipment and lost ski passes that get reported regularly. With our Snow Sports and Activities option, you can be covered for all of these things and more.
If you're about to go on a skiing or snowboarding trip and you need to book cover, it helps to know exactly what you can claim. Along with all the benefits that come with a regular policy, like cover for overseas medical bills if you hurt yourself, the Snow Sports and Activities option can also protect you for a bunch of ski-specific benefits. When purchasing your travel insurance, you'll need to add the Snow Sports and Activities option to your policy and pay an additional premium to ensure you have protection for the added benefits this option can cover. This includes:
Our policy covers common and not-so-common snow activities, on and off-piste. For most of them, you'll need to have booked the activity through a guided tour provider or a licensed operator to be covered. For instance, if you and some friends decided to ride some snowmobiles out-of-bounds without a guide and you have an accident, you won't be covered. The snow sports included are:
Your policy won’t cover you for any claims arising from your participation in skiing, snowboarding, dog sledding, tobogganing, etc. We may cover you if you have an accident building a snowman though, depending on where you build it. Cover is available for all other things as per the normal policy wording.
Unfortunately, no. You need to add it at the time of purchase. If you’re on a longer trip and are only spending a few days in the snow, you might consider buying another policy just for those days that has snow sports cover on it.
There are some implications to consider when doing this - e.g. if you buy a shorter policy with snow sports and you injure yourself forcing cancellation of the rest of the trip, including pre-booked arrangements that fall within the period of insurance.
Please also note that purchasing once travel has begun also means a 72 hour waiting period is applicable.
No. It gives you cover under many other benefits – for example, without snow sports cover, if you broke your leg and had to cancel a flight, a policy without snow sports cover would not cover that. It also gives you cover for some smaller things, such as compensation for piste closure; cancellation cover for snow gear hire, lift passes and ski school; hiring replacement ski gear if yours is lost, stolen or damaged (and the claim is accepted under the usual T&Cs); and for accidental damage to ski gear you hire.
We don’t cover the following: racing; bobsleighing/bobsledding; luge; skeleton; tubing; ski acrobatics; ski jumping; skijoring; snow kiting; snow biking; snow rafting; ice hockey; ice climbing; activities on frozen lakes and rivers; any form of power assisted skiing; or any events that occur outside the normal ski season for the resort.
Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.
Travel insurance at the snow: the only coverage that matters
There’s no denying that a trip to the snow can be the trip of a lifetime. You could wind up experiencing the best week of the season, or you could be there during the worst. Snow is fickle and the only thing more unpredictable than Mother Nature is the other enthusiasts you’re sharing the mountain with.Find out more
How to cut costs on your ski trip without compromising quality or your safety
Here are seven tips to save you coin on your next ski trip.
Aussies love to carve up the mountains. In 2018, the Australian Ski Areas Association recorded the highest number of ski days since 2005 with over 2.3 million hitting the slopes.
What to do if your flights are impacted by a snow storm
Thousands of travellers in the UK, Canada and the United States have been left stranded as severe weather has forced airlines to ground hundreds of flights in the busy lead up to Christmas.
Here is what you need to know if you plan on travelling to or are already in the impacted areas.
Travel Insurance Direct is rated 4.2 out of 5 by 2494 customers.