Travel Insurance Ski

Hitting the slopes? Compare travel insurance offers with ski cover with Savvy today.

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Whether you’re heading to the Swiss Alps or Falls Creek for your next ski holiday, it’s important to have the right insurance to offer you cover for a range of unexpected circumstances which can occur while you’re hitting the slopes. Before you pack away your poles and goggles, you can compare travel insurance options with Savvy.

We're partnered with some of the top travel insurance providers in Australia to enable you to compare a range of high-quality offers before you buy your policy. Get the process started with us today by completing a free, no-obligation quote.

What is ski travel insurance and how does it work?

Ski travel insurance is designed for those wanting to partake in a range of winter sports while on a domestic or international snow holiday. Because this type of recreational activity comes with a greater risk of injury, many insurers will require you to buy extra coverage instead of already having it rolled into your basic or comprehensive coverage.

The benefit of these policies is that they’re specifically designed for winter thrill seekers. Some of the areas in which these policies may be able to offer cover (subject to the terms and conditions of your policy and any other qualification criteria in place with your insurer) include:

  1. Loss of or damage to your ski equipment
  2. Injuries sustained on the slopes (international insurance only)
  3. Travel disruptions and unexpected cancellations for reasons such as a family emergency or another medical reason
  4. Damage to your rental car due to bad weather
  5. The hire of replacement ski equipment if yours is stolen
  6. Piste closure due to bad weather
  7. Theft of valuable items, such as mobile phone or camera

Some providers can offer ski and snowboarding travel insurance to travellers up to the age of 69. What’s covered will differ from policy to policy and will depend on your insurer's terms and conditions, but a wide range of winter sports activities can be included, such as:

  1. Off-piste skiing with an instructor
  2. Back-country skiing in a remote location
  3. Heliskiing or snowboarding
  4. Sledding, tobogganing and snowmobile riding
  5. Ice skating or non-competitive ice hockey
  6. Snowshoeing

However, it's important to know what won't be covered under a skiing or winter sports insurance policy. Some of the activities which may be excluded include:

  1. Partaking in professional skiing or snow sports
  2. Snowboard acrobatics, freestyle skiing or racing, including training
  3. Cat, glacier, backcountry or heli-skiing without an instructor
  4. Skiing outside of the designated routes
  5. Bobsleighing or parascending
  6. Skiing outside the regular snow seasons

How do I compare ski travel insurance policies?

Before you settle on a ski policy for your next winter holiday, it’s always handy to compare travel insurance products. Some of the factors you should be assessing when comparing with Savvy include:

Inclusions and exclusions

Aside from the bonus extras attached to your ski travel insurance policy, it’s worth comparing offers to help you weigh up which provider offers you the most coverage at the best price. As such, it's important to find out and compare the terms and conditions outlined by your insurer and in their PDS so you can have a better idea of what is and isn't covered under your policy.

Basic or comprehensive

Travel insurance comes with two primary options: basic and comprehensive. Weigh up your needs as a traveller to help you determine which type of cover is better suited to your upcoming ski trip. Basic travel insurance is generally cheaper and typically only offers coverage for medical expenses and personal liability. Comprehensive insurance can be pricier but typically includes a greater number of benefits and higher claim limits.

Features of your policy

Outside of the standard policy features, insurers may offer bonus extras such as round-the-clock assistance and the ability to extend your insurance policy. For instance, some providers will allow you to contact them 24/7 if you suffer a medical emergency overseas. They may also allow you to extend your policy if you’re stuck overseas due to unforeseen circumstances such as illness or a natural disaster, though whether cover is granted will be at the discretion of your insurer and subject to the event meeting their criteria.

Consider the limits

Insurance companies agree to cover costs up to a certain amount in circumstances which are deemed claimable. Comparing different policies can help you determine which offers provide you with the most suitable claim limits. For example, basic coverage may only cover you up to $7,500 for lost luggage or valuables, while comprehensive coverage may allow you to claim up to $15,000 should the circumstances be covered by your lender.

Winter activities covered

If you’re travelling to Japan to indulge in some snow sports around the mountainous Niseko, ensure you have the right coverage for the activities you want to partake in. If you have a particular snow sport you want covered, it may be important for you to find a policy which can cover you where required.

What factors can impact the cost of my ski travel insurance?

Insurers charge a premium when you take out your policy, which is dependent on several factors. Some of the common factors that can impact the cost of your insurance premium include:

Your age

The older you are, the more your travel insurance is likely to cost. Insurers see it as an important variable when assessing the price of your policy because the likelihood of injury and death increases with age. As such, those over the age of 60 tend to pay considerably more in their insurance premiums. Although you can be covered up to the age of 69 by some insurers, whether your policy is 

Your destination

Where you choose to spend your holiday can impact the price of your insurance premium. If you’re travelling to a country with expensive health care, you could be paying more upfront for your policy. For example, travelling to the United States to hit the slopes would likely incur a higher premium because the cost of healthcare is exorbitant compared to our system.

How long you’re abroad

Simply put, the longer your trip, the more you’ll pay for your insurance policy. Taking out travel insurance over a longer period means there’s a greater space of time where things can go awry, such as losing your belongings or having an accident.

Your excess

Any time you have to make a claim, you’ll need to pay an excess. Opting to pay a greater gap will drop the price of your premium simply because you’re offering to stump up more of your own money if you have to claim against your insurance.

Any pre-existing conditions

Some insurers have a list of pre-existing conditions which they can cover in either their basic or comprehensive policies (subject to meeting other qualification criteria). For example, some of these companies may offer cover for conditions such as asthma, graves’ disease, sleep apnoea or glaucoma automatically in certain situations. However, there are other, more serious conditions which may be excluded, such as cancer or heart conditions, so it's important to compare offers thoroughly if it's important to find one which offers cover where you need it.

Your level of cover

Consider the type of trip you’re taking and the coverage you’ll need on it, as this will help you narrow down the type of insurance best suited to your needs. Basic coverage is generally cheaper than comprehensive insurance, but typically offers fewer benefits and lower claim limits. 

How many people are being insured

Some travel insurance companies may allow you to include up to 25 travellers on the same policy (provided they meet the terms and conditions set by your insurer). As such, it may be cheaper in some cases to take out a group policy than purchasing individual insurance for each member of your group. However, it's important to determine what is and isn't covered under your policy before you buy.

Types of travel insurance

Why compare travel insurance with Savvy?

Your step-by-step guide to purchasing ski travel insurance

Common ski travel insurance questions

Does ski travel insurance cover COVID-19-related expenses?

Some insurers exclude expenses relating to epidemics or pandemics as part of their policies, but many today are offering travel insurance which covers certain COVID-19-related expenses. However, your coverage will depend on the terms and conditions of your agreement. While circumstances such as cancellation or medical expenses due to contracting the virus may be covered, not all events will be. For instance, some insurers will implement a period of 72 hours after your policy is purchased where any claimable events won't be covered. It's important to compare a range of offers to determine what you can be covered for before you purchase your policy.

Can I get coverage outside of the normal ski season?

There are some travel insurance companies which won’t cover you for a ski trip taken during the off-season of your intended destination. However, it's important to compare different policies to find out when and where you can be covered for skiing.

Can I add my children to my family ski policy?

You can generally add your child to your family policy for free, as long as they are under the age of 20 and aren’t working full-time (though these criteria may differ between insurers). Adding a snowsports pack to your family policy will generally mean the coverage can apply to all the individuals listed, but you should check with your insurer if you're unsure.

Am I covered if I have to cancel due to a family emergency?

You can be covered in the event you have a serious medical or family emergency and have to cancel your holiday at the last minute (which will also be subject to your insurer's other qualification criteria). Depending on the level of travel insurance you’ve purchased, you may be able to get a refund on the deposits you’ve paid.

Am I covered for other activities such as riding a motorbike?

If you’re planning on taking part in other activities such as riding mopeds, scooters or motorcycles, you’ll typically need to take out additional coverage. Winter sports coverage generally only addresses snow-related activities, while other packs (such as adventure packs) are designed to cover other risky activities such as motorcycle riding, rock climbing or abseiling.

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We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.