annual ski travel insurance

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Ski Travel Insurance Plans

Understand the importance of ski travel insurance plans for your next vacation and make sure you’re covered with the right Travel Guard plan.

Ski travel insurance plans are designed to help cover your adventures down the slopes. Whether you’re about to enjoy a New England winter or glide down The Alps, Travel Guard has plans to help cover your ski vacation.

If your ski vacation does take you out of the country, remember your U.S. health insurance plan may not cover you while traveling internationally. And regardless of where you’re skiing, be sure and purchase Travel Guard’s Adventure Sports Bundle add-on (available on our Deluxe and Preferred plans) to make sure you have coverage for adrenaline-pumping activities like skiing.

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Travel Guard’s award-winning travel insurance plans provide excellent coverage options and access to 24-hour emergency travel assistance. Compare our travel insurance plans to find the best option for your travels today. Get travel insurance the way you want it!

What is a ski travel insurance plan?

Ski travel insurance plans provide travelers with coverage for ski vacations including baggage coverage for sporting or ski equipment that you are bringing with you. Typically ski travel insurance plans offer higher benefit limits for baggage knowing that you’re likely traveling with extra gear. It’s also important to make sure there are no extreme sport exclusions on your travel insurance plan, so you’re covered if you get injured while skiing.

What does a ski travel insurance plan cover?

Travel Guard offers customizable travel insurance plans for your ski vacation. Look for a plan that has the coverage and benefits limits you need. Popular plan features include:

Medical expense coverage – your U.S. health plan may not cover you out of country
Travel inconvenience benefit – a one-time payment for covered inconveniences you encounter on your trip like a closed attraction due to lack of snow (included with certain plans)
Emergency travel assistance – specialized representatives are available day or night to assist with unexpected travel issues
Lodging expense – coverage for certain reentry requirements into the U.S. (optional add-on coverage available on certain plans)
Adventure sports bundle – perfect for covering activities like skiing and snowboarding (optional add-on coverage available on certain plans)
Baggage coverage
Trip cancellation
Cancel For Any Reason (optional add-on coverage available on certain plans)

Do I need a ski travel insurance plan?

It’s smart to cover your travel investment on any vacation, and that’s especially true for your ski vacation. When you’re traveling to a snowy destination, inclement weather can become a problem for your trip whether you’re traveling in the air or on the roads. Plus, you’ll want to make sure you’re covered for certain medical expenses you may encounter on your travels – especially if your vacation is outside the U.S.

With a Travel Guard travel insurance plan your travel investment can be protected, and you have access to our specially trained representatives for 24-hour travel emergency assistance . A missed flight doesn’t have to mean missing out on skiing – our representatives will work to help you through any unexpected travel mishaps.

Which Travel Guard travel insurance plan is best for my ski trip?

Travel Guard has a variety of options to help protect your trip depending on the coverage you need. For ski vacations, having Travel Guard’s Adventure Sports Bundle is going to be important, and that coverage is available as an optional add-on with both our Deluxe and Preferred plans. Travel Guard’s Deluxe plan has the highest benefit limit for baggage coverage. If you’re bringing any ski equipment or gear with you, the higher limit might be a good idea.

No matter which Travel Guard insurance plan you choose, you’ll have access to our specially trained representatives for 24/7 emergency travel assistance .

How much is a ski travel insurance plan?

Typically, a travel insurance plan costs 5-7% of your total trip cost, meaning that your overall cost will depend on the details of your vacation, including if you add additional coverage to your insurance plan. If you’re planning a ski vacation, you’ll most likely want to include Travel Guard’s Adventure Sports bundle to ensure you have coverage for more extreme activities.

What is the best travel insurance plan for families going on a ski vacation?

Travel Guard’s Deluxe Plan includes our highest benefit limits for our coverages including medical expense coverage, trip cancellation, trip interruption, missed connection and more. With add-ons like our Adventure Sports bundle, you’ll have even more coverage for the whole family on your ski vacation.

Why purchase your ski travel insurance plan through Travel Guard?

Travel Guard is one of the world’s leading travel insurance providers. We have a network of service centers located in Asia, Europe and the Americas ensuring the highest quality emergency travel services and travel medical assistance while you’re traveling. With early purchase benefits and optional add-on coverages you can customize the plan and coverages you need for your ski vacation.

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Coverage available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, travelguard.com . CA DOI toll free number: 800-927-HELP . This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.

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Ski Travel Insurance Benefits

White powder, cozy lodges, stunning views: A ski vacation is an unforgettable experience, whether you're traveling solo or with the family. But winter sports are as risky as they are exhilarating, and that's why you need ski travel insurance.

Three Things You Need To Know Before Buying Ski Travel Insurance

Comprehensive ski travel insurance coverage is essential if you're planning a winter adventure anytime soon. Here are the three reasons smart travelers buy trip insurance.

1. Ski travel insurance helps protect your investment.

With lift tickets, ski rentals, airline tickets and peak-season hotel prices, the expenses add up fast for a ski vacation. If you have to make a last-minute trip cancellation , you could lose a lot of money.

A good ski travel insurance policy covers not only trip cancellations, but also travel interruptions and stolen or lost baggage. If something goes awry, having travel insurance may help you recoup your investment and save your vacation.

2. Accidents and medical emergencies happen on a ski trip when you least expect it.

You might glide gracefully down black-diamond trails, but serious accidents can happen to the most experienced skiers. Or a sneaky cold or flu could ruin your long-planned vacation. Ski travel insurance policies may cover emergency medical evacuations and medical care, even on international trips . Look for a ski trip insurance policy that also covers trip interruptions, so if you have to cut your ski trip short, you can get back on the slopes when you're better.

3. When everything depends on the weather, ski travel insurance is a must.

You're wishing for fresh snow, but instead you get slush. Or a record-breaking blizzard closes the airport, leaving you stuck at home. You can't control the weather, but ski travel insurance keeps you from worrying about it. Many travel insurance policies cover ski trip cancellations, interruptions and delays due to weather. Make sure you review your insurance plan carefully before you buy, because not all plans offer the same coverage.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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"Generali wins out among the best travel insurance companies for its happy combination of below average fees for above average travel coverage."

“I go to France for skiing every year for a month and always feel super safe carrying Generali. I use them for every trip just because that one time, when it happened, they were there for me 100%.”

“We were thrilled when we found out everything was being covered.”

“My husband and I were really surprised by how very smoothly and quickly we received our check.”

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Travel insurance coverages are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states, and other important information about the Travel Insurance & Assistance Services Plan, please see Important Disclosures .

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Frequently Asked Questions

What types of winter sports can travel insurance cover.

Our travel insurance plans can cover skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more.

The Premium and Preferred plans include Sporting Equipment and Sporting Equipment Delay coverages that can cover winter sports equipment you might bring on a trip, except motorized equipment, dental wear and eyewear.

If your sporting equipment is damaged, lost or stolen during your trip, Sporting Equipment coverage can reimburse the costs to repair or replace your sporting equipment. The Premium plan covers up to $2,000 and the Preferred plan covers up to $1,500.

Sporting Equipment Delay can reimburse you for the cost of locating your delayed Sporting Equipment and having it returned to you, and the cost of renting equipment in the meantime, up to the coverage limit.

The fine print says: "We will not pay for damage to or loss of boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances." See Plan Documents for more details.

How can travel insurance help in case of weather delays on my trip?

Bad weather is always a risk when traveling during the winter. If a winter storm hits, flight cancellations and delays are bound to happen and you may take on some unplanned costs. If this happens, the Trip Interruption coverage included with travel insurance can cover for additional expenses to help get you to your destination and onto the slopes or back home, in addition to reimbursing you for lost trip costs. Travel Delay coverage is also included for certain out-of-pocket costs, such as meals, local transportation or even additional lodging or parking charges.

If a weather event, like a blizzard is foreseeable prior to you purchasing the insurance plan, then travel insurance may not cover it. If the plan is purchased after a storm is named, coverage is not provided for losses resulting from that named storm.

Read more about how travel insurance can help when you travel during the winter

What Can Wreck a Ski Trip and How Travel Insurance Can Help

Problems happen with travel plans more often than you might think. One in six U.S. adults reported having to cancel, interrupt or delay their trip.¹ Travel insurance can help protect your vacation investment from certain unforeseen events that could upset your travel plans and cost you.

Find the Plan That Fits Your Trip Best

There’s no better way to understand how travel insurance and assistance can help protect you and your trip than reading real life examples from fellow travelers.

How can travel insurance help me if I get sick or injured?

If you become critically sick or injured during your trip and no suitable local care is available, all of our plans provide coverage for emergency medical evacuation and coverage to reimburse your medical and dental costs. In addition, Trip Interruption coverage can reimburse you for lost trip costs while you're in hospital, including prepaid lift tickets.

This can be extremely helpful if, for example, you have a ski accident on the slopes — it could even require medical transportation by helicopter, which could cost a lot.

Our plans also include 24-hour emergency assistance services that can provide immediate assistance if a traveler becomes seriously ill or injured on their trip.

Could I be covered if I cancel my trip because of work obligations or job loss?

If you lose your job and cancel your trip as a result, you could be reimbursed for your prepaid, nonrefundable, trip costs. Some requirements must be met.

Our plans don't include Trip Cancellation coverage for work obligations that cause you to cancel your trip, except in the case of unexpected active military duty due to a natural disaster or military leave being revoked. If you want travel insurance that can cover for this reason, consider purchasing our Premium plan and adding Trip Cancellation for Any Reason coverage . This coverage reimburses you up to 60% of the penalty amount when you cancel your trip for any reason ( requirements apply ).

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If you're brave enough to take on a black diamond, or maybe vacationing with kids just starting out on the bunny slope, chances are you could use ski insurance. Travel insurance for your ski trip can cover injuries on the slopes and during your vacation and is designed to help with winter travel mishaps like flight delays, cancellations, illness and more.*

What winter sports are covered?

You can also choose a plan designed to cover your sporting equipment if it gets damaged, lost, stolen or delayed. Just be sure that the purpose of your trip is not to participate in any organized amateur sports, professional athletic competitions or sporting events, as those are not covered by our plans.*

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Ski Travel Insurance

Do you have adequate travel insurance for your ski trip?

Would skiing and snowboarding be as much fun without the element of danger involved? Even if you've been lucky enough to avoid an accident on the slopes so far, you've probably seen ski patrol teams providing emergency care to others. In case you are injured on the slopes, ski travel insurance can help you with these benefits:

Medical Expense benefits cover medical care on the slopes and at a medical facility in the countries you visit.
Emergency Medical Evacuation benefits provide medical transportation to get you off the mountain and to a medical facility or back home.
Multilingual Emergency Assistance Services helps coordinate your emergency medical care and keeps your medical staff in touch with your family back home.

Trip Cancellation benefits can help if you need to cancel your ski trip after you've paid non-refundable trip payments:

Reasons for cancellation include you or a family member getting sick or hurt.
When purchased early, you can get Cancel for Any Reason coverage.

Last, be sure that you have adequate life insurance or accidental death coverage to address the risk of a fatal injury.

Some travel insurance plans in the marketplace exclude coverage for skiing and snowboarding; others require that you purchase an optional "hazardous sports" benefit to include winter sports coverage, so read the fine print.

The following plans offer ski travel insurance benefits:

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Why Do You Need Annual Ski Travel Insurance When Hitting the Slopes?

Are you an avid skier who loves to hit the slopes every winter? Whether it’s a weekend trip or a week-long getaway, you should consider investing in annual ski travel insurance.

What is Annual Ski Travel Insurance?

Annual travel insurance for skiing is a policy that offers coverage for any unforeseen circumstances related to your ski and snowboarding trips. In addition, it provides financial protection in case of medical emergencies or other unexpected events that arise while on a ski vacation.

This type of insurance is designed specifically for skiers and snowboarders. It differs from a standard travel insurance policy that usually covers general trips, such as sightseeing excursions or beach holidays.

Travel insurance for skiing takes into account all the essential aspects associated with winter sports activities, such as:

Cover for medical expenses
Lost luggage
Repatriation costs

Of course, no one plans to get injured or have their equipment getting damaged during transport by the airline is covered. That’s why it’s so important to have adequate travel insurance for skiing before you head off for your winter vacation.

Benefits of Annual Ski Travel Insurance

Having an annual ski travel insurance policy offers several benefits. Here are some of the most important ones:

Financial Protection

The main benefit of travel insurance for skiing is financial protection in case of unforeseen circumstances that may arise on a ski trip. This coverage includes medical expenses, lost luggage, repatriation costs, etc.

Peace of Mind

Skiing can be hazardous, so you must protect yourself financially in case of an accident. With ski travel insurance, you will have the assurance that your finances are covered if something unforeseen happens while on this journey – from a collision to damaged equipment.

Convenience

With an annual policy, you don’t need to worry about taking out a new policy every time you go skiing. Instead, you’ll have the same policy year after year, so you enjoy your vacation without worrying about sorting out insurance.

Consequently, annual ski travel insurance is necessary for any winter traveler. By taking the time to find the right policy, you can ensure you’re fully covered. Aegis Insurance offers ski travel insurance policies to suit the needs of any skier or snowboarder. You can get comprehensive coverage for all your winter trips and save money with our multi-trip annual rates.

Skiing couple enjoying their trip with ski travel insurance.

How to Choose the Right Annual Ski Travel Insurance Policy

When choosing an annual ski travel insurance policy, it’s essential to look at the coverage types and limits offered. The right policy should cover medical expenses, lost luggage, repatriation, and travel delays.

Check what’s covered and what’s excluded from your chosen policy. Furthermore, you should also consider any deductibles and premiums associated with the policy, as these can impact your overall costs.

Finally, understand any exclusions that may apply to your chosen ski travel insurance policy. For example, Aegis’s policies will exclude the following:

Snow skiing and snowboarding outside marked trails
Heli-skiing
Heli-snowboarding
Heli-snowmobiling
Backcountry skiing
Backcountry snowboarding
Backcountry snowmobiling

Following these simple tips and comparing different policies, you can find an annual ski travel insurance policy that fits your needs and budget.

Aegis General Annual Ski Travel Insurance

At Aegis, our annual travel insurance provides comprehensive coverage for skiers and snowboarders who frequently travel to ski resorts. Our plans offer a range of features such as medical expenses, lost luggage, repatriation costs, and more.

You can save money with our multi-trip annual rates. Check out Aegis’s annual multi-trip preferred plan is ideal for those looking to protect their vacation investment in case of cancellation or travel delays. Aegis’s annual primary multi-trip plan is perfect for those seeking Primary Emergency Medical insurance. Ensure you’re adequately protected before hitting the slopes!

Annual Ski Travel Insurance FAQ

Is annual ski travel insurance worth it.

Absolutely. It provides financial protection in case of unforeseen circumstances that may arise while on the slopes. When traveling with skis, you’ll also be covered financially in case of an accident or damage to your equipment.

What does ski travel insurance cover?

Travel insurance for skiing typically covers medical expenses, repatriation costs, lost luggage, and some expenses arising from travel delays, such as accommodations & meals.

What is the difference between ski insurance and snowboarding insurance?

The difference is some policies may provide additional coverage for skiing activities, whereas others will offer more coverage for snowboarding activities.

Does annual ski travel insurance cover off-piste skiing?

It depends, some policies may provide coverage for off-piste skiing , but this should be clarified before taking out a policy.

Is medical evacuation covered under annual ski travel insurance?

Yes, most policies will provide coverage for medical evacuation costs. However, checking the limits and exclusions before taking out a policy is essential, as some may have lower limits than others.

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Stress less benefits included with every plan.

This amazing feature allows our clients to potentially avoid fronting their own monies and going through a claim reimbursement process. By contacting Aegis immediately when experiencing any covered event such as a flight disruption, illness, or injury, our team can coordinate the solution and pay for it on the spot. This includes booking or rearranging flights and hotels, coordinating medical care, or arranging a medical evacuation or repatriation. Learn More →

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A winter break is a lovely experience, but every sporting holiday comes with risks. Make sure you're covered for an injury or the loss or damage of expensive equipment.

Ski travel insurance

What is ski insurance.

Not every travel insurance policy covers winter sports , and as holidays to ski resorts are rarely cheap it's best to make sure you're covered for the unexpected, so the costs don't keep adding up. As there's a high risk of injury or equipment damage, it's best to be as prepared as you can be.

Ski holiday insurance will cover your own injuries as well as others you may harm on the piste. You'll also be covered for skiing expenses if an injury early in your winter getaway keeps you off the slopes.

Ski travel insurance is very specific and covers everything that might occur during a trip to the mountains.

AXA Ski Travel Insurance

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How to choose the best ski travel insurance?

Whether you're an expert or a novice, a regular or a first-time skier, make sure you're covered, even if you think such speciality insurance is just an added expenditure. In many instances you won't need to call on your ski travel insurance , but the day you will need it – you will really need it, and you'll be really happy to have it.

What should you look for when comparing ski travel insurance?

Off piste: if you're planning to avoid the crowds and ski off piste, make sure all your ski travel requirements are covered.
Travelling abroad: if you're planning trip abroad, make sure you're covered where you are heading. Not all insurance companies provide emergency medical assistance for skiing overseas.
Bad weather conditions: as weather in the mountains can change rapidly, make sure you’re covered if conditions ruin your plans. Some travel insurance companies will reimburse you for expenses, such as transport, pre-purchased ski passes, and accommodation.
Cancellation policies: make sure you're covered if you have to cancel your ski trip due to unforeseen circumstances. You might be reimbursed for all or part of your travel expenses.

Why should you choose AXA ski travel insurance?

With AXA ski travel insurance , you will be covered for search and rescue costs , which could be an absolute necessity if a worst-case-scenario becomes a real-life drama. You may also benefit from domestic help at home after medical repatriation. And, if you accidentally break or damage your gear, you’re covered.

Disclaimer : This article provides a broad summary of benefits and is intended solely for informational purposes. To learn about the specific coverage, exclusions, and benefits included in your personal travel insurance policy, please refer to your individual certificate of insurance or local IPID document. If you have any questions or concerns, we recommend reaching out to one of our local travel insurance store for further assistance. Prices, cover types & guarantees at the moment of publication may vary depending on your country. Local Terms & Conditions apply. Please download T&Cs from your local store for more information.

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Ski Travel Insurance Beginners Guide

While you might pride yourself in being an expert-level skier, accidents don't care about the amount of experience you have on the slopes. No matter how long you've been skiing, there is always a chance of getting hurt, damaging your equipment, or losing money on prepaid tickets.

If you are planning a ski trip, you may consider paying for ski travel insurance. It has features similar to other travel insurance plans, but covers costs that are unique to a ski vacation. Buying ski travel insurance could save you a lot of money if there are any unforeseen problems on your trip.

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What is Ski Travel Insurance?

Ski travel insurance covers snow sports like skiing and snowboarding in case of an accident or mishap. Unlike regular travel insurance, ski insurance covers your ski gear in the case that it gets lost or stolen. It can also include travel-related problems like delayed or canceled flights or lost luggage. Most importantly, ski travel insurance covers your health in case of an injury caused by a skiing accident or travel-related illness.

Why Do You Want It?

It is reported that around 600,000 people are injured in ski or snowboard activities in the US each year. You don't have to be taking black diamonds and skiing off cliffs to get hurt. In fact, the most common accident is a 37-year-old male skier that runs into a tree or another skier on a groomed slope.

Even though many of these are minor, any amount of medical attention will cost money. While your health insurance should cover you if you get into an accident within your own country, that won't always help you if you are skiing abroad.

Most of the time, you will only get compensated for medical emergencies abroad if you pay a little extra for travel insurance. Often this includes emergency flights back into your country of origin so you can get treated closer to home.

Ski travel insurance goes a step further than the average travel insurance by covering ski-related mishaps as well as covering other winter sports. By being insured when you ski abroad, you can have the peace of mind that if anything goes wrong with your trip, you could be compensated.

What Does Ski Travel Insurance Cover?

Generally, all of your equipment is covered by ski insurance. That includes your skis, poles, boots, bindings, and helmet. Even if you are planning on renting ski gear at the resort, it is usually covered as well, so you won't have to pay any hefty damage or replacement fees in case of an accident.

Your equipment is also covered if it is stolen or lost as long as the theft is reported to the police.

Most resorts won't refund tickets once you pay for them. If you buy them at the counter five minutes before you get on the lift, it's not likely you'll even want to refund them. However, many resorts offer discounts if you buy several days' worth of lift tickets at once. The problem with buying the tickets days in advance is that while you are saving money, you are also taking the chance that you won't get a refund if for some reason you can't ski.

For example, if you get sick or injured after day one of skiing, you might have to eat your tickets for days two and three. Or if you bought your tickets online and your flight gets canceled or delayed so that you miss your first day of skiing, generally you lose the money you spent on those tickets.

Pro Tip: To find cheap flights to ski resorts, we use Skyscanner , which searches all airlines in one go.

If you buy ski travel insurance, it will most likely cover the price of your tickets in the event that an unforeseen emergency prevents you from skiing one or all days. So you can go ahead and buy those discounted tickets ahead of time or pay for the three-day ski pass without the worry of something happening that prevents you from skiing.

Another instance in which ski insurance will cover your ski pass is if it is lost or stolen. Once you buy your ski pass, it is your responsibility to keep it safe. Most resorts will tell you upfront that they are not responsible for lost or stolen ski tickets. Thankfully companies that provide ski travel insurance will pay you back for the remaining value of your ski pass so you won't have to pay for a second ticket.

Back Country Skiing Protection

If you like to venture off the groomed trails and explore the slopes less skied, you won't have to worry about ski insurance not covering you as long as the area is not deemed unsafe by the ski resort. That means you will be covered for injury and gear damage where you most need the protection.

Package Deals

In the long run, it will save you a lot of money to buy a package deal and pay for ski-school, ski rentals, and a lift ticket all at once. Unfortunately, that means losing a lot of money all at once as well if you are sick or injured.

Thankfully, ski travel insurance covers package deals and will pay for anything that cannot be refunded.

Other Winter Sports

Many insurance companies put ski travel insurance into the same category as winter sports travel insurance. So while you're mainly paying for protection while skiing on your vacation, you can try out other fun winter sports while you're there without the worry of not being protected by your insurance. Other winter sports covered by many insurance companies include:

Cross country skiing
Snowboarding
Off-piste skiing/snowboarding
Freestyle skiing
Heli-skiing
Mono skiing
Recreational ski racing
Ski acrobatics
Ski bob racing
Ski stunting
Ski touring
Bobsleighing
Glacier walking
Supervise ice climbing
Ice fishing
Ice Skating
Snowmobiling
Tobogganing

Before you head out into the snow, make sure you fully understand your policy as coverage varies between insurance companies.

What Does It Not Cover?

Knowing ahead of time what your ski insurance won't cover is just as important to understand as what it will cover. If a scenario could have been easily avoided, ski travel insurance typically won't cover it.

For example, if you decide not to lock up your backpack and extra gear in a locker and leave it vulnerable to the public, your insurance company probably won't cover the costs of anything that was stolen.

Also, if anything is stolen despite your best efforts to keep it safe, you must report it to the police within 24 hours. Failing to do so could mean your belongings are not covered.

The same goes for if you take unnecessary risks while skiing. If you choose to go past blocked off areas of the ski resort considered dangerous and prohibited and you get hurt, again, your insurance will not cover those medical costs.

Being under the influence of drugs or alcohol while skiing is also an unnecessary and dangerous risk that could cause your insurance company to deny your claim.

Again, do your research to understand how you are covered on a ski trip by your insurance. Then make sure you are doing everything in your power to prevent having to make a claim, especially if your policy does not cover that claim.

Cost of Ski Travel Insurance

The price of ski travel insurance is different for everyone, and it will depend on a variety of factors that your final cost ends up being. The following circumstances will affect how much you pay into ski travel insurance:

Ski travel insurance and other travel insurance policies have this in common. The older you are, the more you will have to pay to be covered. Yes, it isn't fair, but insurance companies deem you more of a liability the older you are. The risk of falling and getting hurt increases with age, as does the chance that you have a pre-existing medical condition.

Your Health

If you have any pre-existing medical conditions or previous injuries that could easily be reinjured, make sure your insurance company knows before you pay for the policy. You might have to pay more upfront for insurance when you disclose this information. In the long run, however, it could protect you if you need to make a claim later. Not being upfront about pre-existing conditions might mean that they are more likely to deny your request.

The Country to Which You Are Traveling

The cost of healthcare is not international. It changes from country to country. Therefore, if you are traveling to the United States or Canada, travel insurance will be more expensive because healthcare in these countries generally costs more. On the other hand, traveling to certain European or South American countries for skiing will cost you much less in travel ski insurance. Again, that is because those countries have much more affordable healthcare, to begin with.

The Size of Your Family

Bundling insurance with other members of your family could save you quite a bit per person. The more people you have under a specific policy, the bigger discounts you will get in many cases. If you travel on your own, you can count on paying a bit more.

Length of Policy

Ski travel insurance allows you to pay only during your ski holiday, and the payment and coverage end when you return home. This route is your best option if you are only planning on taking one ski trip in the year.

In other cases, some families take multiple trips per year. For them, it would be cheaper to choose an annual plan.

Because there are so many variables that go into the price of travel insurance, we will give just a couple of examples so you can estimate how much you are going to pay for ski travel insurance.

On average, you can expect to pay between $40 and $70 to be covered for one week. For a family of four, the price ranges from $165 to $350 for a week.

It may be more economical for your family to pay for annual ski travel insurance if you plan on taking several ski trips over the course of the year.

Other Coverage You Might Need

Having basic health insurance is always a good idea, especially if you are spending time skiing or doing other winter sports. That way, even if you are skiing locally, you will be covered by medical insurance in case of any accidents. Don't think that you only need to be protected abroad. You can just as easily get injured skiing in your back yard. Make sure you're protected.

You might also want to consider getting a regular traveler's insurance if you are skiing abroad. Not all skiing travel policies cover things like hotel stays because of canceled or late flights, or loss of luggage. Traveler's insurance will also cover you if you get sick or injured outside the ski resort and need medical attention.

Best Rated Ski Travel Insurance Companies

It is hard to know where to begin when you shop for ski travel insurance. These highly rated companies are an excellent place to start. They will offer you free quotes after you answer a few simple questions about your health, age, and ski trip plans.

Travel Guard
Allianz Travel
Generali Global Assistance
World Nomads
Square Mouth

Is It Really Worth It?

Ski travel insurance is only worth it if you pay for the right policy. Don't take the first policy you can afford. Instead, take time to research all the ins and outs of your policy. All insurance companies offer varying plans, so make sure you're covered for things like trip cancellations, medical emergencies, equipment that is lost, stolen, or damaged, and prepaid non-refundable ski passes.

Ski vacations should be remembered for the fun you had on the slopes deep within nature. Don't let an accident or unforeseen problem add stress and cost to your trip. By paying ahead of time for ski travel insurance, you can ski free from worry and stress.

Hello, I'm Simon & I love skiing. I started skiing in 2007 and I founded this website to help new skiers learn everything there is to know about skiing. NewToSki.com has grown to be a trusted resource for over a million skiers to plan their ski trips each year and learn more about every aspect of skiing. Be sure to join my email list for the best tips and handpicked deals each week.

About The Founder

Hello, I'm Simon & I love skiing. I started skiing in 2007 and I founded this website to help new skiers learn everything there is to know about skiing.

NewToSki.com has grown to be a trusted resource for over a million skiers to plan their ski trips each year and learn more about every aspect of skiing.

Be sure to join thousands of clever skiers who read my emails for the best tips and handpicked deals each week.

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Annual Multi Trip Ski Insurance

Keen on skiing or snowboarding? Want to find an annual travel insurance policy that will cover you for skiing and winter sports for more than just a week?

It's not the most glamorous part of the holiday, multi-trip ski insurance allows you to go skiing or snowboarding on multiple breaks with a limit of up to 90 days per year. That means a lot of weekends and a few weeks thrown in!

Finding the right annual multi-trip ski travel insurance policy will be important as different inclusions and exclusions will apply depending on the insurer. From a family quote through to an individual policy that covers you worldwide including North America, this travel insurance could save you thousands if you do have an injury.

Quick Quote for Multiple Trip :

Multi Trip Ski Insurance Policies

Choose from the following most popular types of multi-trip policy.

European Annual Ski Cover

Covering you for multiple journies to the slopes in Europe - perfect!

Annual Family Ski Insurance

Covering the whole family, this annual multi trip policy is worth comparing

Worldwide Annual Multi Trip

Wherever you go in the world, get an annual policy that covers you

Worldwide Annual Multi Trip with USA

So anywhere now and you're covered. Check the small print but compare policies now.

Things To Consider

Tips on choosing the right multi-trip cover.

If you think it likely you'll take a number of ski trips over a 12 month period, then not only are we envious, but you may also want to look at an annual policy rather than taking out lots of single trip policies. Here we explore what an annual policy involves and what to look for when purchasing one.

Why Have Insurance At All?

It is staggering to learn that many Brits go skiing without taking out special winter sports cover. Many simply rely on their EHIC card and normal travel insurance.

EHIC is the European Health Insurance Card. It used to be called the E111 and is a reciprocal health agreement between European countries including Switzerland. This gives you access to state provided healthcare during a temporary stay in another European economic area. You can apply for EHIC through the EHIC online application form, this is free of charge, so do beware as unofficial websites will try and charge you.

You cannot however rely solely on this for a ski holiday. The reason for this is that EHIC will not cover many of the things you may need should you have an accident on the slopes. So for example mountain rescue is not covered, nor is being flown back to the UK. Lost or stolen property is also not included. So for anyone skiing, EHIC alone may not cover you.

A normal travel insurance policy will also not cover you for a ski holiday. If you are unlucky enough to hurt yourself then those injuries can be quite serious. You may break a bone and need to be airlifted off the slopes which can run into thousands of pounds. Or you could cause a serious accident to another skier or boarder and be liable for their costs. Skiing and boarding are dangerous sports which can cause life threatening injuries, so always make sure you take out specialist ski insurance.

Another consideration is your equipment. The equipment you use for skiing and boarding is expensive. If someone steals your board or skis then that could set you back thousands of pounds. This may not be covered under most general travel insurance policies.

What Is Annual Multi Trip Ski Insurance?

With an annual trip ski policy you are covered for a number of ski trips within a 12 month period. This is a good idea if you are either a single person or a couple and you are looking to take more than three ski holidays over a year. An annual policy can work out more expensive than other insurance policies so it is essential that you can predict the ski holidays you will be taking to make it cost effective.

What Does An Annual Policy Cover?

When you look for quotes you will see a range of things covered including injury and illness, holiday cancellation, public liability, repatriation and loss of equipment. Another aspect that many people find useful is also to find a company that offers a 24 hour manned emergency phone line. If you are away and need to speak to an adviser this can be very helpful.

What To Look For When Buying Annual Trip Cover?

It is always good to compare different policies, don’t just go for the cheapest policy, do consider the following when you are purchasing an annual policy.

Level of Cover Required

Look for medical cover that is at least £2million , personal liability should be around £1million so you are covered should you be deemed to be responsible for someone else’s accident. Also check out cancellation cover. Also ensure that the value of your equipment is covered should you lose your skis or board.

A final tip is to really check the small print of any policy. What looks cheap may for example come with a high excess making a claim not cost effective. For example some cheaper policies set excess levels at £200, lose your gloves and the policy isn’t really worth it.

Days You Can Travel

Do be clear about the days you will be holidaying for. Most annual policies will limit you to 31 days of consecutive travel per trip. The number of trips per year are often unlimited as long as you return within the number of days specified. So if you are planning to stay for longer this type of insurance may not be suitable.

Pre-Existing Medical Conditions

If you are undergoing tests for a medical condition do also be careful here. You may have results that could not affect you now but could affect a trip taken later in the year. In this case a single trip cover could be a better option.

Be Clear About What You Will Be Doing On Holiday

When you take out ski insurance you will be asked for the activities you will be doling on holiday. Do not presume that off piste is covered, you will need to declare this if you plan to ski off piste. Likewise be clear if there are any other activities that an insurer would deem to be a risk including heli skiing or cat skiing.

Are You Skiing In More Than One Country?

You will need to declare where you are skiing but that resort may border two countries. If this is the case and you think there may be a chance that you will ski over borders do check your insurance policy.

Get Ski Travel Insurance

Wander More. Worry Less.

What winter sports are covered?

Our travel insurance plans can cover winter sports on your trip, such as skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more. You can also choose a plan designed to cover your sporting equipment if it gets damaged, lost, stolen or delayed. Just be sure that the purpose of your trip is not to participate in any organized amateur sports, professional athletic competitions or sporting events, as those are not covered by our plans.*

What can wreck a ski trip and how travel insurance can help

Injury & Illness
Equipment Issues

Winter Travel Chaos Each year winter storms cause cancellations and delays across the country, wrecking travel plans. If you’re forced to cancel or interrupt your trip, how much of that prepaid trip cost could you get back? Travel insurance can help you recoup losses for 20 different covered events that could cause you to cancel your travel plans. Pre-purchased lift tickets can even be covered.

Travel Delays Your flight is delayed for who knows how long in a winter blizzard. You need to decide whether to get a hotel, what necessities you'll need to buy, where to get dinner... Don't worry—Travel Delay coverage is included with every Generali travel insurance plan, so you can be reimbursed for reasonable out-of-pocket expenses, such as hotel accommodations, meals and transportation if you are delayed during your trip.*

Emergency Medical Accidents happen. Even to the most experienced skiers. Our travel insurance plans can help you with a wide range of medical needs while you’re traveling. Whether it’s a case of utilizing our emergency assistance services to see a local doctor for a prescription refill, filing a Medical and Dental claim after a visit to the emergency room because you slipped on ice during your trip, or the rare need to use the Emergency Assistance and Transportation coverage for medical evacuation by air ambulance, we’re there for you 24/7/365.

Flu Season Last winter was one of the most severe flu seasons in recent memory. If your trip is canceled or interrupted for certain medical reasons, trip insurance can help you get reimbursed for non-refundable, pre-paid trip costs that weren't used and additional transportation costs to return home or rejoin your group on the slopes.

Medical Evacuation Get up to $1 Million in Emergency Assistance and Transportation coverage — crucial for the slopes. More than 220,000 people a year are treated for winter sports injuries in the U.S. 1 Medical evacuation from a ski resort or even from the mountain could require a helicopter, which is not cheap.*

Lost, Damaged or Delayed Sporting Equipment Flying with skis, a snowboard or other equipment? Travel insurance is one of the best ways to help protect your gear. Our Preferred and Premium plans include coverages especially helpful if your equipment is damaged, lost, stolen or delayed on your trip. And, you can get reimbursed for your rentals while your equipment is lost. INFO: Airlines worldwide lose or misplace more than 22 million bags a year. The property that was returned took an average of 1.76 days to get back to their owners.² How long could you go without your gear on a ski trip?

Compare Ski Travel Insurance Plans

Frequently asked questions.

If you lose your job and cancel your trip as a result, you could be reimbursed for your prepaid, nonrefundable, trip costs. Some requirements must be met.

This can be extremely helpful if, for example, you have a ski accident on the slopes — it could even require medical transportation by helicopter, which could cost a lot.

Our plans also include 24-hour emergency assistance services that can provide immediate assistance if a traveler becomes seriously ill or injured on their trip.

Our travel insurance plans can cover skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more.

Read more about how travel insurance can help when you travel during the winter

U.S. Consumer Product Safety Commission
SITA Baggage Report 2018

*Terms and conditions apply. See plan details for more details .

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As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

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You can create and manage quotes online , and buy policies at any time.

Our online portal is available 24/7 for all your policy needs. You can: view your documents; change your travel plans (dates and destinations); add travellers; update your medical history; add extra cover, and more.

You can access our portal 24/7, without needing to call us.

Help and Support
Travel Insurance
Ski Insurance

Winter Sports Insurance

Stay stress-free on the slopes with our winter sports cover, up to £500 safety net.

If you’re too ill or injured to use hired gear, lift passes or ski lessons

Protect your equipment

Up to £1k if your winter sports equipment is lost, stolen or damaged

5 Star rated cover

Our Platinum Travel Insurance has Defaqto’s highest rating

What’s winter sports insurance?

Winter sports insurance (or winter sports cover) financially protects you and your equipment if anything goes wrong on your skiing or winter sports holiday.

As well as the cover from your core travel insurance, you’ll also have protection for things like lost or damaged gear, piste closure and costs for hired equipment you’re too ill or injured to use.

If you’re going on a winter sports trip, you need to add this specialist cover when buying your regular travel insurance policy. You won’t be covered without it.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

you were diagnosed with Covid-19 before your trip was due to start
a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
an insured person or a close relative died during the trip because of Covid-19
you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
you have to quarantine after arriving in the UK or abroad
the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Do I need ski travel insurance?

Adventure sports and winter sports are often not covered by a standard travel policy, so you may need to get specialist cover – like Admiral's Winter Sports Upgrade.

Not only will you get the standard protection against:

Lost or stolen luggage
Medical treatment expenses
Cancellation cover

You're also covered for:

Lost, stolen or damaged ski equipment
Piste closure
Delays caused by avalanche

If you're only planning on skiing once a year, Admiral's single trip cover with the Winter Sports add-on may suit you.

If you want annual ski travel insurance for more than one break in the season, take a look at our annual cover with the Winter Sports add on. This would cover you for every holiday you take in a year, up to 31 days per trip. However, bear in mind you can only do a maximum of 21 days of winter sports throughout the year in total during the policy term .

What's covered by ski travel insurance?

Whether you’re an experienced skier or a nervous beginner, you can enjoy your trip knowing you don’t have to worry about having the right cover in place.

You can choose from three levels of cover to suit your budget and needs:

Is my equipment protected with travel insurance?

Sports equipment isn't often covered by standard travel insurance policies. If you're insured with Admiral, you just need to add our Winter Sports upgrade to your travel insurance to get protection against damage to your own, or hired, equipment.

You'll be covered up to a maximum of £1,000 for your equipment (depending on the level of cover you choose.)

We also pay up to £25 (per complete 24 hours) towards the cost of hiring replacements (up to a maximum £250 per person), if yours is delayed more than 12 hours following your arrival at your destination or is lost, stolen or damaged during your trip.

Our ski and snowboarding insurance upgrade will help you out if an unforeseen slope closure happens during your break (pistes must closed for more than 24 hours) and protects against delays caused by an avalanche (cover limits apply).

What's classed as a winter sport?

Winter sports insurance gives protection for you to enjoy a whole host of activities on your holiday including:

Piste skiing
Snowboarding
Glacier walking/trekking
Tobogganing

Please check your policy document for a complete list of all activities we cover.

Travel insurance covering off-piste skiing

Our winter sports insurance add-on covers adventurous off-piste skiers and boarders as long as it’s on recognised paths within resort boundaries and accompanied by a qualified guide or instructor.

Ski insurance - Europe

Any skier and snowboarder will know there are incredible resorts to hit the slopes around the world, but in 2018, Europe was hit with unprecedented amounts of snow and saw many popular resorts opening the lifts early. The glacier pistes of Val-d'Isère opened in June.

So if you want to check out what Europe has to offer – and there's a lot – you'll need to select our European Travel Insurance with the Winter Sports add-on. You'll be covered in all the top resorts such as France's Meribel, Val, La Plagne, and Courchevel, Italy's Cervinia and Zermatt in Switzerland to name a few.

Ski insurance - Canada and America

If the powdery slopes of Canada or America are calling you, you'll need worldwide cover , with the winter add on.

Ski insurance - Japan

Our final cover zone is worldwide excluding USA, Canada & Caribbean, so if Japan is taking your fancy – Niseko is often touted as a powder hound's paradise – this option with winter sports insurance added will get you onto the mountains with the right cover in place.

What happens if my skiing or snowboarding holiday is cancelled?

Depending on the level of cover you choose for your ski or snowboarding insurance – Admiral, Admiral Gold or Admiral Platinum – you could get up to £5,000 to cover the costs of your trip, in the unfortunate event of it being cancelled for any of the following reasons:

Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone outside your home area you planned to stay with
Court cases and quarantine if you or your travel companion, or anyone outside your home area you planned to stay with, is quarantined, called for jury service or as a witness and a court official refuses to postpone
Unemployment if you or your travelling companion is made redundant from the company you’ve worked at continuously for at least two years
Armed forces and emergency services if you or your travel companion has authorised leave cancelled due to an unexpected emergency
Home damage you or your travel companion have to stay at home if it’s seriously damaged by a fire, storm or flood or is burgled within seven days of your departure
Passport or visa your passport or visa is stolen in a burglary at your home in the seven days before your departure and you’re unable to get a replacement in time

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

Declared them all on your policy
Received written confirmation that we’ll cover your medical condition
Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

How do I get a quote?

You can call 0333 234 9913 for an Admiral Travel Insurance quote and ask to add on Winter Sports insurance upgrade, or you can buy online and select 'Winter Sports Upgrade'.

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Do you need winter sports insurance for trips to Lapland?

If you plan on taking part in any of the activities listed above, such as husky sledge driving, you will need to add the upgrade onto your Admiral Travel Insurance policy

Are there any age restrictions for ski insurance?

We don’t offer the upgrade to anyone over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Am I covered to ski or board off-piste?

You can go off-piste provided you go with a qualified guide or instructor and remain on recognised paths, within resort boundaries

Does winter sports cover me anywhere in the world?

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to. Information from the FCDO can be found at www.gov.uk/foreign-travel-advice or by calling 020 7008 1500 .

What's covered if the piste closes?

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort due to lack of snow or bad weather (up to a maximum of £200). This can be used to cover travel expenses to the next open resort or to compensate you if there are no slopes nearby.

Are all winter sports covered?

Our Winter Sports Upgrade covers the following activities: cross country skiing, dry slope skiing and snowboarding, glacier walking/trekking, husky sledge driving, ice hockey, mono-skiing, snowmobiles, sledging, snowshoeing and tobogganing. If you want to take part in an activity not on the list please call us on 0333 234 9913 to discuss.

Am I covered if I’m injured on the slopes and not wearing a helmet?

You won't be covered for any head injuries that happen on your winter sports holiday if you weren't wearing a helmet. We always recommend wearing a helmet for winter sports.

Are lift passes covered?

Unused lift passes due to illness or injury are covered but you can't claim for lost or stolen lift passes

Is mountain and helicopter rescue included?

Yes, our add-on covers mountain and helicopter rescue in the event of injury or illness; search and rescue isn't covered.

Do under 18s need ski insurance?

Yes they do, you can add a child onto a parent or guardian's cover. Take a look at our Family Travel Insurance page for more information.

Can seasonaires buy the winter sports upgrade?

While there's no restriction on seasonaires buying our cover, the add-on's limited to 21 days in total so we couldn't cover a seasonaire for the entire season.

What’s the age limit on winter sports cover?

We cover people up to and including 75 years old in Europe, or 70 years old everywhere else.

What does winter sports travel insurance cover?

Our winter sports travel insurance upgrade covers:

Delay caused by avalanche
Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Can I take out a family winter sports insurance policy?

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under 18.

You can add up to two adults and a maximum of five children to the cover. Simply add on our winter sports upgrade for cover on the slopes.

Do I need travel insurance for skiing in Bulgaria?

Yes you’ll need to add our winter sports upgrade onto our European Travel Insurance for any skiing holidays in Bulgaria.

Do I have Personal accident and Personal liability for my Winter sports trip activities?

We cover personal accident up to the policy limits and personal liability cover up to £3 million, for winter sports activities listed in the winter sports cover section of our policy wording except Snowmobile/Ski-Doos which excludes personal accident and personal liability cover. Please note, this cover cannot be added to the Snowmobile/Ski-Doos activity for an additional premium.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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Why choose Skicover for winter sports insurance

Get the right winter sports cover for you, quick links to our most common sections.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, winter sports travel insurance.

Unlimited medical emergency expenses¹
Up to £10K cancellation cover
24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Whether you’re skiing, snowboarding or tobogganing, winter sports travel insurance will bring some peace of mind to your wintry getaway. We cover potential issues that are exclusive to winter sports, such as lost or damaged equipment, closed pistes and medical evacuation from the mountain. That’s one less thing to think about when planning your ski trip!

What is winter sports travel insurance and do you need it?

Winter sports travel insurance is a specific type of travel insurance that covers the increased levels of risk that come with winter sports. Winter sports are typically activities like skiing, snowboarding or tobogganing.

Winter sports holidays are exhilarating, but there is no doubt that they come with a certain amount of risk. Accidents on the mountain come with an increased level of complexity to treat, which often makes them very expensive.

More than 200 significant winter sports-related injuries are reported each year, according to the ABTA.
12% of people aged 25-34 have gone on a winter sports trip with someone who has a major injury from the slopes, such as a broken bone or concussion, which has landed them in hospital .

Regular travel insurance policies cover accidents and injuries, but they will not cover the high-risk activities of winter sports. Therefore, if you’re injured while skiing or snowboarding, you may not be covered. This makes getting specific winter sports travel insurance incredibly important.

Which winter sports are covered?

Our winter sports travel insurance includes a range of different activities, from skiing and snowboarding to bobsleighing and tobogganing.

Here’s a list of all the winter sports activities we cover:

Snowboarding
Off-piste skiing/snowboarding (except where considered unsafe by resort management)
Cross country skiing
Freestyle skiing*
Mono skiing
Recreational/non-professional ski racing or training*
Ski acrobatics*
Ski bob racing*
Ski/snowboard fun parks*
Ski stunting*
Ski touring with a guide
Bobsleighing*
Glacier walking or trekking under 2,000m altitude
Ice climbing under 100m (fully supervised)*
Ice fishing
Ice hockey*
Snowmobiling*
Tobogganing

Note: Unfortunately, there is no cover for ski flying, ski jumping or ski mountaineering. For the activities marked with an * above an increased medical excess of £250 will apply and there will be no cover under the personal accident or personal liability sections of the policy. See our policy wording for more details.

What else does InsureandGo’s winter sports travel insurance cover?

What’s covered.

Your travel insurance policy with winter sports added includes:

Emergency medical expenses
Cover for cancellation of your trip
Over 100 sports and activities covered (see your policy wording for a full list of activities)
Personal belongings and baggage cover
Personal money, passports and travel documents cover
Accommodation cover
Legal expenses cover
Delayed departure cover
Our 24-hour emergency assistance team , available to call, day or night

What’s not covered?

We strive to provide as much cover as possible. However, there are some situations no travel insurance will cover. For example:

You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our winter sports travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

We will consider all pre-existing medical conditions, find out more about medical travel insurance .

The excess and amount of cover available varies depending on the level of travel insurance for winter sports you buy. Make sure you check the policy wording to see the full terms and conditions.

To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

Age restrictions

We’ll cover anyone up to the age of 65 for winter sports around the world.

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions. If you’ll be taking away something a bit more expensive you can add our valuables extension .

Lost, stolen or damaged items

Our winter sports travel insurance policies cover all skis, poles, snowboards, boots & bindings. We’ll cover lost, stolen or damaged items, even if they’re stolen out of a ski rack (between the hours of 10am – 8pm). We’ll also cover costs to hire equipment if yours is lost, stolen or damaged.

Unfortunately, we can’t cover lost, stolen or damaged items that are left unattended. We also can’t cover lost, stolen or damaged items that are not reported to the police within 24 hours.

Trip length

Winter sports cover for a single trip will last the whole length of your stay. If you add winter sports cover to an annual multi-trip policy, this will only cover you for 17 days of snowy fun.

The best travel insurance for your winter sports trip

Winter sports cover is added to your travel insurance policy. Not sure what you need?

Heading to the Alps? Our Europe travel insurance will have you covered, even if you accidentally ski over the border into another country.
Going slightly further afield? Our worldwide travel insurance might be what you need if you’re heading to destinations like the Rockies or Whistler.
Doing multiple snowy getaways this year? Our multi-trip annual travel insurance policies will cover you for up to 17 days of wintery fun.
Not skiing or snowboarding? Don’t worry. Our winter sports policies cover most winter sports, including ice fishing, bobsleighing and snowmobile rides.
Don’t want a pre-existing medical condition to stop you? It won’t. Our pre-existing medical condition travel insurance covers over 1,300 pre-existing conditions, many at no extra cost.
We can be as flexible as you need. Already got a policy and need to add winter sports cover? No worries. You can manage your policy online or give our team a call .

Choose a cover level to suit your travel needs

Winter sports insurance for travellers with pre-existing medical conditions.

Just like with every other type of trip, it’s important to make sure you have adequate travel insurance for medical conditions . We’ll consider cover for any medical conditions which are declared to us, even while you’re on a winter sports trip. However please be aware that some conditions, such as osteoporosis may not be covered while you’re taking part in winter sports.

We consider something to be a pre-existing condition if you have:

Taken any prescribed medication or received medical treatment within the last 2 years
Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
Been advised of a terminal illness.

Before buying a winter sports travel insurance policy, you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening.

Which destinations are covered by our winter sports insurance?

We offer winter sports travel insurance policies based on the following destination groupings:

Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
Worldwide (except the USA , Canada, Mexico and the Caribbean).
Worldwide .

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book our winter sports insurance

We know planning your winter getaway can be complex, so we make getting winter sports travel insurance as simple as possible:

1. Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover.

It’s quick and easy to give us this information, either online or by calling our team:

2 . Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.

“Getting a robust winter sports travel insurance policy is so important before heading out. Nobody wants to be airlifted off the side of the mountain, but it’s even worse if you’re paying for it directly. Our winter sports travel insurance policies cover you for that, as well as any lost or damaged equipment, or even if the piste is closed. That leaves you free to enjoy your winter sports break, stress-free.” Russell Wallace – Travel insurance expert

Our reviews speak for themselves

Our high reviews reflect our quality of service. See what our customers are saying about us.

Frequently asked questions on winter sports travel insurance

How much does winter sports travel insurance cost.

There is no standard cost for winter sports travel insurance. The exact cost of your winter sports travel insurance will vary depending on the length of the trip you’re taking, where you’re going, whether or not you have any pre-existing medical conditions, any activities you’ll be doing, and any additional cover you might need.

Can I get winter sports insurance without travel insurance?

Unfortunately, we do not offer winter sports insurance without travel insurance. To get winter sports insurance, you need to add this specific type of cover to either a single trip or annual multi-trip policy.

Please be aware that winter sports travel insurance for a single trip will last the whole length of your stay, but is limited to 17 days per year on annual policies.

What to look for in winter sports insurance?

In general, you should look for winter sports travel insurance which provides cover for

Medical costs while taking part in your chosen activity
Costs to return you to the UK if medically necessary
Lost, stolen or damaged ski equipment
Piste closure
Cancellation or curtailment

Every provider offers different cover for winter sports, and you should always check to make sure that your policy meets your specific needs.

Is equipment included in winter sports travel insurance?

Yes. All InsureandGo policies with winter sports travel insurance added will cover equipment lost, stolen or damaged, as long as it is not left unattended in a public area. We cover all skis, poles, snowboards, boots & bindings.

If your skiing equipment is lost, stolen or damaged, we’ll cover it – even if it’s stolen out of a ski rack (between the hours of 10am and 8pm). We’ll also cover the costs of hiring new equipment.

When should I buy winter sports travel insurance?

You should buy your winter sports cover as soon as you book your winter sports trip, or as soon as possible. Remember that your winter sports travel insurance will only be valid if you have bought it before you leave the UK.

Are there age limits for winter sports insurance?

Unfortunately, our cover for winter sports is only available to people 65 and under (at the time they buy the policy).

How to claim on your InsureandGo winter sports travel insurance

As soon as you know you want to make a claim:

Contact the claims handlers. You can either do this online or give us a call
Gather as much evidence as possible upfront to speed up the process
Complete the claim form carefully. I nclude any copies of relevant paperwork, such as receipts or medical certificates.
Submit the claim. Make sure to keep a copy for yourself.

Note: Be sure to check the fine print on your policy before claiming. You’ll want to check that you’re within the time limits for making a claim and how much your excess is.

Will GHIC cover me for winter sports?

The GHIC , formerly known as the EHIC or E111, is a medical card that entitles you to free or reduced-cost medical treatment while in Europe. While the cost of medical treatment is reduced or free in some countries, it does not cover anything outside of this, such as airlifting to the hospital. The GHIC is not an alternative to winter sports travel insurance and does not cover the cost of repatriation if you need to be flown back to the UK. The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country.

Do I need winter sports insurance for trips to snowy countries?

If you’re planning a snowy getaway, winter sports travel insurance might be sensible – even if you’re not planning on skiing. Remember that winter sports travel insurance covers more than just skiing. If you fancy a snowmobile ride, dog-sledding or a reindeer trip, regular travel insurance policies won’t cover you in case of an emergency or mishap.

What is considered off-piste for travel insurance?

Typically, an area that is considered off-piste for travel insurance is any area that is between the piste-bashed runs. These areas are often unmanaged terrain and can be easily identified by looking at the boundaries on the resort’s map.

At InsureandGo, we cover off-piste skiing and snowboarding as standard unless the area has been designated as unsafe by the resort.

Who can buy an InsureandGo winter sports travel insurance policy?

All our winter sports travel insurance policies are available to UK residents. This means:

Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
They must be in the UK at the time of purchase
All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our winter sports travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

Unlimited emergency medical expenses available on Black level policies.
InsureandGo’s Gold achieved a Which? Best Buy.

By clicking a retailer link you consent to third-party cookies that track your onward journey. If you make a purchase, Which? will receive an affiliate commission , which supports our mission to be the UK's consumer champion .

Best ski insurance 2024

In this article

What is ski insurance?

Best ski insurance, ski insurance reviews, what does ski insurance cover, what does ski insurance not cover, more on ski insurance, how we analyse ski insurance.

Ski insurance, also known as winter sports insurance, is a specific kind of travel insurance tailored to cover anything that might go wrong on a skiing or snowboarding holiday. It typically comes as an add-on to normal travel insurance.

Winter sports cover includes ski and snowboard equipment, medical treatment and the costs that come with ski-related injuries - which aren't usually covered by travel insurance.

Here we reveal the policies most highly-rated by our experts.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Compare travel insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

Find out more: best UK travel insurance policies 2024

Click on the links to read our full review of insurers.

Top 20 highest scoring policies

Table note: Our winter sports score rates how comprehensive the cover is - the higher the better. From our survey of insurers in April 2023. See our full methodology below.

NFU Mutual

Winter sports cover available as an add-on.

NFU Mutual's Home and Lifestyle policy jointly topped the table with a score of 78%.

It covers cancellation or delays for avalanches and, if on the rare occasion you find your holiday impacted by piste closures, you can claim up to £500 under cancellation. Personal and hired ski equipment is covered up to £500 whether items are lost, damaged or stolen, but you must make sure to report any theft to the police within 24 hours.

NFU Mutual also offers winter sports cover with its Bespoke policy. Overall it scored slightly lower at 74%, it offers the same level of cover for medical expenses, (£5 million), but there is a considerably higher excess of £250 compared to £50 under the Home and Lifestyle policy. It still may be a better option if you own expensive ski equipment as the policy offers twice as much cover for personal or hired equipment up to £1,000.

Winter sports cover included as standard.

The Barclays Travel Pack Worldwide - which tied for first place - is one of the few policies that includes cover for winter sports as a standard part of its travel insurance policy. Around one in five of the 161 policies we analysed this year include winter sports cover.

Cover is available for a maximum of 31 days per year but you can increase the number of days for an added premium cost. There’s an extensive £10 million limit for medical expenses which includes cover for emergency rescue services.

Personal ski equipment is covered for loss, theft, and damage up to a modest £500 but you’ll need to put up a £50 excess and this cover doesn’t extend to hired equipment.

It's also best to check the policy exclusions for certain winter sports because some activities such as freestyle skiing or snowboarding aren't included.

Most ski trip insurance policies will cover the following:

Medical expenses

Getting injured on the slopes can be expensive. There's the cost of the treatment, which - depending on where you are - may be covered by the new Ehic replacement, the Ghic . But there's also the price of air ambulance rescue from the mountains and of medical repatriation if you need to be sent home.

Most ski insurance policies will cover emergency medical treatment costs up to the millions - however, rescue cover can be capped at a lower amount.

Lost, stolen or damaged equipment

If your skis, sticks or snowboards are damaged, stolen, or go missing, most policies will cover you for a few hundred pounds, although some go into the thousands. You can claim back the cost of your own equipment, or for hiring replacement equipment.

Cancellation or curtailment

If you have to cancel or cut short your trip due to an injury, you can claim back the cost of what you missed. Cancellation limits range from £500-£15,000.

Avalanche delay

Very specific to winter sports breaks, ski insurance will cover you if an avalanche delays your skiing.

Piste closure

You can claim for this if you can't ski because the piste is closed. It will normally have to be closed for a certain amount of time first.

Other eventualities

Ski insurance can also cover events such as death, overseas funerals and legal costs for causing injury to others or damaging someone else's property.

Check each policy carefully to see what it will and won't cover before you decide on an insurer.

While considering specialised winter travel insurance, make sure you understand what isn’t covered.

Going off-piste

If you go off the main ski paths and have an accident, your insurance may not cover the medical costs for that situation.

Accidents under the influence

If you get an injury during apres-ski or while doing winter sports under the influence of drugs or alcohol, your insurance might not cover it.

Leaving equipment unattended

For some policies, if you leave your belongings in public spaces or in plain sight, leading to theft, your policy may not provide coverage.

Travelling against government advice

Your policy is unlikely to cover you if you travel against the advice of the Foreign, Commonwealth and Development Office. It's worth checking the country that you're travelling to by verifying travel advisories from the FCDO here .

Not using the right equipment

Some policies require the use of specific safety equipment, such as helmets, for insurance coverage to apply. Failing to comply may mean that your policy is voided.

Extreme winter sports

Certain extreme winter sports like heli-skiing, glacier climbing, and base jumping may not be covered by standard policies. Check if your activities require extra cover or specialist insurance.

Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now

Do you need ski insurance?

Probably. Before buying ski insurance, check if your travel insurance covers winter sports.

If you're going skiing on a package holiday, check if insurance is included in the price you pay and what it covers.

Bear in mind that the European Health Insurance Card (Ehic) and the new Global Health Insurance Card (Ghic) don't cover the cost of rescue from the slopes, which can run into tens of thousands of pounds.

A degree of winter sports insurance is now mandatory for skiers in Italy under a law that came into force in January 2022.

Does regular travel insurance cover skiing?

Many aspects of a ski trip are not covered by standard insurance policies. This is because winter sports holidays have a number of risks that other trips do not.

If your insurance policy doesn't cover winter sports, you won't be covered for a huge number of unfortunate mishaps that could happen while you're away.

Regular travellers with annual insurance policies might be an exception here. It's worth checking your policy to see if it already covers winter sports. Some annual policies may include a certain number of days' ski insurance cover. Ask your insurer if you're not sure.

You could also already have winter sports cover as part of a packaged bank account travel policy. Again, check to find out.

How can you find cheap ski insurance?

As with any kind of insurance, our first tip for finding cheap ski insurance is to shop around, rather than automatically buying from the holiday provider.

You can do this by using a price comparison site (just tick the 'winter sports' box when entering your details and requirements).

Don't forget to check insurers who aren't on comparison sites just in case they have better offers.

Does ski insurance have an age limit?

Age limits tend to vary from insurer to insurer - while some won't cover people over the age of 65, others have no upper age limit.

If you find yourself offered very high premiums it could be worth finding a specialist insurer or broker (see below). But it's worth getting quotes from comparison sites first as there's no requirement to get 'senior'-branded cover.

Find out more : Best travel insurance for over 65s 2024

Can you get ski insurance if you have a pre-existing medical condition?

As with standard travel insurance, you may be able to get ski insurance if you have a pre-existing medical condition, but it could cost you more. This is because insurers may perceive you to be more likely to claim for medical assistance.

Alternately, insurers may exclude claims connected with your condition.

Both the government's MoneyHelper service and the British Insurance Brokers Association (Biba) offer directories of specialist insurance firms that may be able to offer you comprehensive cover with a lower premium - although these quotes should be compared with those from standard insurers.

Find out more about how to get the best cover when you have a pre-existing condition with our guide to medical conditions travel insurance .

Our editorial independence means we are able to work on behalf of consumers, not insurers. That means our reviews are fair and there's no hidden agenda.

Our winter sports policy score is our rating of the winter-sports elements of travel insurance policies.

In April 2023, we surveyed 56 travel insurance companies about their levels of cover and analysed 161 of their policies.

Initially, we score specific product elements out of five, reflecting how competitive each provider is in that area compared with other insurers. Then, based on our assessment of which elements are more or less important for customers choosing and using policies, we adjust the impact that each element has on the overall score.

We only looked at elements that were named in all policies. For instance, some providers offer ski pack cover (for unused lessons) and we didn't rate that.

Claims performance, service and price aren't taken into account - just the levels of cover.

Compare travel insurance

Find the right policy for your holiday using the service provided by Confused.com

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7 of the best ski holiday insurance providers to cover you on the slopes

From annual insurance to one-trip coverage, these policies offer protection when on the snow, article bookmarked.

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After analysing the snowfall, quality of mountain runs and apres-ski vibes to choose your ideal spot to strap on your skis this winter, it's time to consider which winter sports travel insurance is best suited to keep you safe as you reach new altitudes.

Whether resorts without snow , slips causing broken bones, and unpredictable avalanches, plenty can go wrong on the pistes and it's always best to travel prepared.

In the event a ski pole slips through a cable car into the abyss – an not unlikely affair with small children – pistes are closed or lift passes are misplaced, having the right insurance to hire replacement equipment and receive financial compensation to tackle cancellations and medical costs is the key to smooth skiing.

Here are the best providers with which to purchase your winter sports travel insurance policies, allowing you to protect yourself before this season's ski holiday .

Do I need insurance for a ski holiday?

Yes – many standard travel insurance policies will not allow you to claim for accidents while taking part in winter sports if you have not taken out specific cover for medical expenses, equipment and piste closures before your ski holiday.

Will I be insured if I ski off-piste?

Several winter sports insurance providers cover off-piste skiing provided you are with a qualified guide and remain on recognised runs – check with your provider to see if off-piste skiing is inclueded in your policy.

Should I get an annual or one-trip policy?

Annual policies tend to provide 21-31 days of winter sports cover, which might work best for avid skiers hitting the slopes every season, whereas a one-trip winter sports extension policy could be better suited to cover a one-off week on the pistes.

Will I be insured if I ski while drunk?

No. You risk your insurance cover being invalid if you injure yourself, your equipment or others while skiing intoxicated with impaired judgement and reaction times or you are not wearing a helmet.

Ski equipment cover: £500

Piste closures: £500

Medical expenses: £5 million

Lost lift pass: £500

NFU Mutual offers winter sports cover for you and your equipment for up to 30 days as an add-on to their standard travel insurance policies. Activities covered include piste skiing, sledging, monoskiing and snowshoeing. Reasonable extra accommodation and transport expenses in the event of avalanche delays are also insured under the policy.

Admiral Gold

Ski equipment cover: £750

Piste closures: £250

Medical expenses: £15 million

Lost lift pass: £250 per week

Admiral Gold features winter sports insurance from just £25 as part of its upgrade package. Cancellation cover and piste closures are included for a maximum of 21 days of winter sports in the annual gold cover and the policy will pay out £200 in the event of an avalanche. Off-piste skiing is also included provided you “go with a qualified guide or instructor and remain on recognised paths”.

Ski equipment cover: £500

Piste closures: £300

Medical expenses: £10 million

Lost lift pass: £250

Barclays offers winter sports cover (excluding freestyle skiing or snowboarding) for 31 days a year, and skiing equipment and piste closures are part of its standard travel insurance policies. The insurance covers emergency rescue services and you can claim back up to £200 for delays should there be an avalanche.

Virgin Money

Piste closures: £400

Virgin Money provides single and multi-trip winter sports insurance for theft or damage to ski equipment, emergency medical treatment caused by skiing slip-ups, and piste closures. Policyholders can also claim up to £400 if their arrival at a ski resort is delayed by an avalanche.

Nationwide FlexPlus

Piste closures: £5,000

Nationwide’s FlexPlus travel insurance features cover for accidents needing medical help on the slopes, lost or stolen ski equipment, and piste or avalanche closures that cause delays or a cancellation of your snow-capped holiday. All FlexPlus current account holders are automatically covered with the travel insurance.

Staysure Signature

Piste closures: £200

Medical expenses: Unlimited

With Staysure Signature , 28 days of winter sports cover are included in “signature” policies, but you can add winter sports travel insurance to other policies for 11 sports (such as skiing, snowshoeing and ice-skating), unused ski-school fees and up to £160 back if you encounter avalanche delays.

Covered 2Go

Ski equipment cover: £1,000

Covered 2Go offers a winter sports travel insurance extension to gold and platinum coverage, including personal liability in case you injure someone else, and there’s up to £500 compensation available in the event of avalanche delays. The winter sports policy also covers guided skiing off-piste, ice-skating and tobogganing – but you must be wearing a helmet and skiing sober for your policy to be valid.

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Ultimate Guide to Choosing the Best Travel Insurance in July 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024 Summary

Best Overall: Nationwide Travel Insurance
Runner-Up: AXA Assistance USA
Best for Cruises: Travel Guard
Best Reputation: C&F Travel Insured
Best for Pre-existing Conditions: Tin Leg Travel Insurance
Best for Digital Nomads: WorldTrips Travel Insurance
Best Low-Cost Option: Trawick International Travel Insurance
Best for Road Trips: Travelex Travel Insurance
Best for Adventure Sports : World Nomads Travel Insurance

Top Travel Insurance Companies Comparison

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024.

Best Overall Travel Insurance

Nationwide travel insurance.

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review .

Best Travel Insurance Runner-Up

Axa assistance usa.

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review .

Best Travel Insurance for Cruises

Travel guard.

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review .

Best Travel Insurance for Reputation

C&f travel insured.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.

Read our C&F Travel Insured review .

Best Travel Insurance for Pre-Existing Conditions

Tin leg travel insurance.

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review .

Best Travel Insurance for Digital Nomads

Worldtrips travel insurance.

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review .

Best Travel Insurance for Affordability

Trawick international travel insurance.

Trawick is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review .

Best Travel Insurance for Road Trips

Travelex travel insurance.

Travelex offers three plans:

Travel Basic
Travel Select
Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

Best for Adventure Traveling

World nomads travel insurance.

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list. It also doesn't have the most customization, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared.

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own.

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

For adventure sports coverage, you'll want to look at World Nomads , which covers over 300 sports.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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SquareMouth travel insurance review 2024

Compare dozens of top travel insurance companies in minutes..

Squaremouth is an online travel insurance marketplace that's helped over 3.5 million people buy policies since 2003. It offers dozens of providers, including many of our top picks — like Nationwide , Berkshire Hathaway Travel Insurance and Travel Insured International . We love how simple the platform makes it to compare multiple providers and get details about each. And the unique zero-complaint guarantee means SquareMouth will remove a provider if you have an issue that's not adequately resolved.

Squaremouth Travel Insurance

The best way to estimate your costs is to request a quote

Policy highlights

While not an insurer itself, Squaremouth is a travel insurance marketplace that can help you quickly compare costs and coverage for a travel insurance policy. It offers annual and single trip policies from top providers including Berkshire Hathaway Travel Protection, Tin Leg, Generali and more.

24/7 assistance available

Allows you to quickly and easily compare dozens of travel insurers
Coverage from many top travel insurers is included
Specialty coverage available for cruises and adventure sports
Doesn't directly offer insurance policies since it's a marketplace

SquareMouth review

Policies offered by squaremouth, squaremouth pros and cons, squaremouth customer satisfaction, how do i buy travel insurance through squaremouth.

Squaremouth provides quotes for several different kinds of policies, including:

Single trip travel insurance

As you might expect, these are short-term policies intended to cover one trip . The coverage is more comprehensive than an annual travel insurance policy, with rates based on a percentage of your costs , typically between 4% and 8%.

Annual travel insurance

If you expect to travel a lot in a year, this policy can simplify things by putting all your coverage in one place. It varies by provider, but multi-trip policies usually cover travel delays, lost luggage and medical expenses.

Cruise travel insurance

The best cruise insurance policies include:

Travel to and from your port of call
Coverage at sea
Trip delays, interruptions or cancellation
Delayed or lost baggage
Emergency medical care and evacuation

Adventure and sport travel insurance

Many standard travel insurance policies don't cover high-risk activities like skydiving, skiing and scuba diving. SquareMouth includes providers who offer coverage for extreme sports, adventure travel and more.

Flight insurance

flight insurance can help you recoup costs that aren't reimbursed by your airline, like cancellation due to a family member's death or a job loss. It only covers the flight, however, not accommodations or rental cars,

Group travel insurance

If you're a large family heading to a wedding or coworkers going on a business trip, group travel insurance can be a lot cheaper than buying multiple individual plans.

To qualify for a group policy with Squaremouth, you'll need to have 10 or more U.S. residents all going to the same destination within the same timeframe.

Medical travel insurance

Your health insurance may not cover medical care if you're abroad. A medical travel policy can pay for doctors' visits, hospital stays and even an emergency evacuation if you unexpectedly get sick or injured.

Consider these factors before buying a travel insurance policy through Squaremouth

Many well-known providers. Squaremouth works with dozens of insurers, many of which are praised for reasonable rates and excellent customer service.
Simple comparison tool. You can view three quotes in an easy-to-view grid, making it easy to compare price, coverage and customer ratings.
Zero complaint guarantee. SquareMouth will mediate complaints with your insurer and, if the issue isn't resolved satisfactorily, will remove that provider from its platform.
No markup. Squaremouth doesn't add fees to the prices of the providers on its platform.
Slow to respond to complaints . While SquareMouth received a respectable A- from the Better Business Bureau , it cited the length of time it takes to respond to complaints as the reason for not giving it a perfect score.
No 24/7 customer service. Representatives are available from 8 a.m. to 10 p.m. ET. That can be frustrating if you're traveling in another time zone and need help.
Promotes its brand in searches. Tin Leg, a provider founded by SquareMouth in 2014, appears at the top of most search results. You can then filter by price, popularity or other categories.

SquareMouth 's zero-complaint guarantee means it advocates for customers if their travel insurance claim is rejected. If the issue isn't resolved satisfactorily, SquareMouth will remove that provider from its platform. The SquareMouth website isn't particularly flashy but it's very easy to navigate and you can get quotes just by providing basic information about yourself and your trip.

You do need to work with the travel insurance company that issued your policy to file a claim or resolve any issues, however. And SquareMouth customer service representatives are only available from 8 a.m. to 10 p.m. ET daily. If you're in a different time zone and need help, you'll have to wait.

In addition, the site received an A- from the Better Business Bureau . That's a very respectable grade but the length of time SquareMouth takes to respond to complaints was cited as the reason it did not receive an A+.

To buy a policy on SquareMouth , you'll want to first get a quote by inputting:

The ages of all travelers
Total trip cost
Travel dates
Countries being visited

You'll receive sample prices from dozens of companies, which you can filter by price, popularity, most recently purchased and other categories. When you're ready to enroll, you can hit the "buy now" button.

From there, you'll finalize the details about the people on the policy, your destination and dates and then purchase the policy. You'll receive a confirmation email after your purchase.

Shop for a personal loan

Is squaremouth travel insurance legit.

SquareMouth has been an online insurance marketplace since 2003 and it works with many top companies in the industry. It received an A- from the Better Business Bureau.

How much does travel insurance cost?

Travel insurance typically costs between 4% and 8% of your trip's total cost, according to the U.S. Travel Insurance Association . Prices can vary based on your age, destination and the length of your trip.

Does travel insurance get more expensive the closer you get to your departure date?

While it's best to get a policy as soon as possible, the cost won't increase as your departure date nears. You can typically buy a policy up until the day before your trip.

What does travel insurance not cover?

Most travel insurance doesn't cover foreseeable events, like known storms, epidemics or acts of war. Pre-existing conditions and dangerous activities may require special policies to be covered.

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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Elliott Report

Home » On Travel » Do I need travel insurance for my summer vacation? It’s complicated

Travel insurance can be crucial for summer vacations, but it’s not always necessary. Kingsley Hopkins, traveling to Portugal and Iceland, seeks coverage for medical emergencies and trip disruptions. With high travel demand and potential risks like natural disasters and health issues, older travelers especially should consider insurance. However, you might skip it if you already have coverage or if your trip is low-risk. Evaluate your prepaid expenses and international travel plans to decide. Hopkins opts for refundable bookings and a Medjet Horizon plan for peace of mind, ensuring comprehensive coverage.

Do I need travel insurance for my summer vacation? It’s complicated

By Christopher Elliott

Published June 22, 2024

Updated June 27, 2024

If you’re planning to travel somewhere this summer, you’re probably thinking of buying travel insurance.

Kingsley Hopkins is. He’s headed to Portugal and Iceland with his girlfriend, and he wants to make sure he’s covered for things like medical emergencies or trip disruptions, “or if a volcano erupts,” he says.

But getting the right travel insurance can be complicated. There’s no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Chances are, so have you.

Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that’s busy.

At the same time, danger and uncertainty are lurking everywhere — wars in Europe and in the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It’s no wonder people are giving some serious thought to insurance. ( Related : Case dismissed: “The insurance will not cover our tickets ”.)

Older travelers are particularly worried. And they should be, says PK Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months. ( Related : What to do when travel insurance doesn’t work .)

“According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities,” he says.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and standalone travel insurance. What should you get?

You need peace of mind

But don’t just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind — knowing that if something goes wrong, you’ll be taken care of. ( Related : The surprising reasons travelers file insurance claims .)

“Knowing you’re protected from unforeseen travel mishaps – like delays, lost baggage and even medical emergencies – can make the trip that much more enjoyable,” says Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don’t need insurance

Here’s when you can skip travel insurance, according to experts:

If you already have coverage. “You may already have travel coverage through your benefits at work, your credit card, or through group benefits with an organization,” says Jiten Puri, CEO of PolicyAdvisor.com. If you do, there’s no need to buy more coverage. You’re all set.
If you’re not traveling far. If you’re taking a driving vacation and staying in a place where lodging is free, like a relative’s sofa, then there’s not much to insure. Also, most travel insurance only works when you travel 50 miles or more from your home. “If you already have health insurance, it may cover you for a domestic trip, so you don’t need to think about health insurance coverage,” says Joe Cronin, CEO of International Citizens Insurance .
If your trip isn’t insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying “yes” to optional travel insurance that your online travel agency may offer you when you’re booking a trip. You might not need it.

Here’s when you need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here’s when you need the extra coverage:

If you have travel expenses that insurance would cover. “If you have many prepaid, nonrefundable expenses, it’s best to take out travel insurance,” says Lauren Gumport, a spokeswoman for Faye Travel Insurance .”This includes things like flights, hotel rooms, tickets and activities.” The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.
If you’re leaving the country. “Your regular medical insurance might not extend coverage beyond your home borders,” says John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka, and some European countries.
If you can’t afford to lose your trip. “When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions or emergencies,” explains Robert Gallagher, president of the US Travel Insurance Association (USTIA). “Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?”

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

How one traveler insured his summer vacation

So how did Hopkins handle his travel insurance needs? Well, as I already mentioned — it’s complicated.

Hopkins says he always buys some travel insurance before he takes a trip, “but how much, and what I cover, varies,” he explains.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something goes wrong. That would eliminate a lengthy claim with his travel insurance company or credit card. ( Here’s our ultimate guide to travel insurance .)

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

“We’re going to be doing a lot of hiking in Iceland,” he says. “And you just never know.”

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened.

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

“I’ve heard good things about them,” he says. “Hopefully, we won’t need any of it.”

How do I insure my trips?

I’m on the road about 360 days a year, so I’m always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a long-time Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know — that’s a lot of peace of mind.

But I’ve also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, N.M., a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott

Warning: American tourists are being profiled. Don’t be one of them!

Traveling this summer means packed flights, jammed roads, and full hotels. Flexibility is key: fly to nearby cities, explore less popular destinations, and consider stopover programs. Use tools like Airbnb's flexible dates search and Google Flights' flexible schedule options to save money and enhance your travel experience. Bend, but don’t break.

Try this pro trick for an affordable and stress-free summer vacation

Debate rages over vacation choices: stick to familiar spots or explore new destinations? While familiar places offer comfort and cherished memories, new destinations promise excitement and broadened horizons. Whether you choose predictability or adventure, both options have unique benefits. What's your preference for this summer?

Should you repeat your vacation? Let’s settle this argument once and for all

Junk fees -- hidden, mandatory extras added to your final bill -- have mushroomed in recent months and travelers are crying foul. The government is waging a public war against these annoying extras, but businesses still love hitting their customers with extras because fooling them into paying more is highly profitable.

Travelers are drowning in junk fees during the summer of surcharges

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Can You Buy Travel Insurance for Road Trips?

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

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Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance.

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry.

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage .

Pre-existing conditions covered.

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum.

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed.

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation.

$50,000 limit for 24-hour AD&D.

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance.

Maximum trip length of 30 days.

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation.

$35,000 in rental car coverage.

Includes coverage for sporting equipment.

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage.

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans.

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

Chase Ink Business Preferred Credit Card

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Primary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Secondary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

IMAGES

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Whether you are hitting the bunny slopes or a seasoned pro, there's something for you in our ski travel section; including guides to the best experience, tips for packing and planning, and, how to save money along the way. And remember, a travel insurance plan from Allianz Global Assistance is a great way to protect your investment on and off ...
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How much is a ski travel insurance plan? Typically, a travel insurance plan costs 5-7% of your total trip cost, meaning that your overall cost will depend on the details of your vacation, including if you add additional coverage to your insurance plan. If you're planning a ski vacation, you'll most likely want to include Travel Guard's ...
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The medical evacuation coverage within a travel insurance policy can pay to get you to the nearest adequate hospital. Your travel insurance company's emergency assistance team can arrange for ...
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Getting ski travel insurance with coverage for items like skis and snowboards can help. With this coverage, if your gear is delayed, the ski insurance provider will reimburse you, up to a limit ...
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A blizzard that closes the airport = not so great for your ski vacation. A travel insurance policy from Allianz Global Assistance can cover trip cancellations, interruptions, and delays due to severe weather. And if your plan includes SmartBenefits ®, you can opt to receive a fixed inconvenience payment of $100 per insured person, per day, for ...
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Here are the three reasons smart travelers buy trip insurance. 1. Ski travel insurance helps protect your investment. With lift tickets, ski rentals, airline tickets and peak-season hotel prices, the expenses add up fast for a ski vacation. If you have to make a last-minute trip cancellation, you could lose a lot of money.
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Snow-related injuries. One of the biggest benefits of ski travel insurance is coverage for snow-related injuries, especially if you'll be traveling abroad as most US health insurance companies ...
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Our travel insurance plans can cover winter sports on your trip, such as skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more. You can also choose a plan designed to cover your sporting equipment if it gets damaged, lost, stolen or delayed.
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Travel Insurance Services is here to help you find the right travel insurance coverage for your unique needs and budget. In fact, we've been helping people just like you for over 40 years. Call us today at 800-937-1387. Insure your ski trip with coverage for emergency medical expenses, medical evacuation and trip cancellation.
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At Aegis, our annual travel insurance provides comprehensive coverage for skiers and snowboarders who frequently travel to ski resorts. Our plans offer a range of features such as medical expenses, lost luggage, repatriation costs, and more. You can save money with our multi-trip annual rates. Check out Aegis's annual multi-trip preferred ...
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AXA, 1st insurance brand in the world. AXA is rated 4.5/5 by users. Certified global medical network. Ski holiday insurance will cover your own injuries as well as others you may harm on the piste. You'll also be covered for skiing expenses if an injury early in your winter getaway keeps you off the slopes.
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On average, you can expect to pay between $40 and $70 to be covered for one week. For a family of four, the price ranges from $165 to $350 for a week. It may be more economical for your family to pay for annual ski travel insurance if you plan on taking several ski trips over the course of the year.
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Premium. This enhanced plan is designed for more active trips. Get the highest available benefit limits for Sporting Equipment, Medical & Dental and Emergency Assistance & Transportation coverages. Trip Cancellation 100% trip cost insured. Trip Interruption 175 % trip cost insured. Baggage Loss. $2,000 per person. Medical & Dental.
Annual ski insurance
Annual multi trip ski insurance. Annual Multi trip Winter Sports travel insurance policies are specifically designed to cover multiple trips you book, or make, during the one calendar year that the policy is in force. They are suitable for single travellers, couples or families and cover all ages from children through to skiers and boarders who ...
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If you're only planning on skiing once a year, Admiral's single trip cover with the Winter Sports add-on may suit you. If you want annual ski travel insurance for more than one break in the season, take a look at our annual cover with the Winter Sports add on. This would cover you for every holiday you take in a year, up to 31 days per trip.
Winter Sports
In addition, good Ski Insurance should cover your equipment and your ski pass, and indeed piste closure or avalanche closure should that occur. Our Insurance will also cover you for random "off piste" cover as well. The True Traveller was originally a travel company, not an insurance company, and although we believe we've designed the best ...
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Save up to 60% on ski insurance with award winning specialist insurer, Skicover.com . ... Close X; Home; Get a quote > Single trip ski insurance; Annual multi-trip ski insurance; Longstay ski insurance; Seasonaires insurance; Specialist wintersports cover > Pre-existing medical conditions ... www.skicover.com Part of Online Travel Insurance ...
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Our winter sports travel insurance policies cover all skis, poles, snowboards, boots & bindings. We'll cover lost, stolen or damaged items, even if they're stolen out of a ski rack (between the hours of 10am - 8pm). We'll also cover costs to hire equipment if yours is lost, stolen or damaged.
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We offer a simple, hassle-free way to compare quotes from a wide range of insurers and our useful information and guidance will help you choose our best policy for your needs. Join the thousands of satisfied customers who have highly rated our travel insurance comparison service. Based on 17,679 reviews.
Best and worst ski insurance 2024
Before buying ski insurance, check if your travel insurance covers winter sports. If you're going skiing on a package holiday, check if insurance is included in the price you pay and what it covers. ... Some annual policies may include a certain number of days' ski insurance cover. Ask your insurer if you're not sure. You could also already ...
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Admiral Gold. Ski equipment cover: £750. Piste closures: £250. Medical expenses: £15 million. Lost lift pass: £250 per week. Admiral Gold features winter sports insurance from just £25 as ...
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Covers loss of ski, sports and golf equipment ... Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available; Show Pros, Cons, and More. An icon in the shape of an angle ...
SquareMouth Travel Insurance Review 2024
The coverage is more comprehensive than an annual travel insurance policy, with rates based on a percentage of your costs, typically between 4% and 8%. Annual travel insurance.
Do I need travel insurance for my summer vacation? It's complicated
Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. ... he decided to buy an annual Medjet Horizon plan, ... Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe ...
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Explore road trip travel insurance for car rentals, trip cancellations and medical emergencies to keep your adventures protected. Credit cards. Credit cards; ... Annual fee. $95. $550. $695.

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