travel insurance for skiing

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How Travel Insurance Can Rescue a Ski Trip

Meghan Coyle started as a web producer and writer at NerdWallet in 2018. She covers travel rewards, including industry news, airline and hotel loyalty programs, and how to travel on points. She is based in Los Angeles.

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Table of Contents

Trip delay or cancellation coverage

Accidental injury, travel inconvenience, lost or damaged equipment, should i insure my ski trip.

Snow in the forecast can send winter sports enthusiasts flocking to the mountains for some fresh powder. But unpredictable weather doesn't always make for the easiest travel. Inherently, ski trips might be one of the riskiest to book since you can spend big bucks on ski lift tickets, lodging, airfare and equipment rentals, only to lose the money if the weather doesn't cooperate or an injury occurs.

These kinds of travel woes could affect more travelers as skiing and snowboarding grow in popularity. According to the National Ski Areas Association, there were more than 60 million visits to U.S. ski slopes during the 2021-2022 season, the highest since the organization started keeping track in 1978.

To reduce the risk of losing money on an interrupted or canceled ski trip due to adverse weather, travel insurance can be an option to consider. Some of the more common travel insurance benefits, such as trip delay or cancellation coverage, can come in handy for vacations in winter destinations. Plus, some travelers might already have those benefits through a travel credit card .

» Learn more: The best travel credit cards right now

Standalone travel insurance plans, which can offer more specific coverage tailored to ski trips, are also available. With these policies, travelers can get reimbursed for more particular expenses related to winter sports travel. 

Here are the types of coverage travelers can expect to find when shopping for travel insurance for a ski trip.

Trip delay and cancellation coverage is a standard part of most travel insurance plans and can benefit those heading toward winter weather. For example, if flights are delayed because of a snowstorm, this type of coverage can help travelers get money back for days they might've missed at the resort. This usually includes reimbursements for nonrefundable travel expenses such as prepaid lift tickets, equipment rentals and other similar expenses.

Trip delay and cancellation insurance could also pay for extra meals and lodging that travelers may have incurred as a result of a delay.

One important caveat is that this coverage usually kicks in for covered reasons only. An airline delaying a flight would be covered, but a traveler looking at the weather report and wanting to bail on the trip for fear of getting stuck wouldn't be. 

Skiers and snowboarders who want complete flexibility to cancel as they please should consider Cancel For Any Reason insurance. This coverage is a special add-on that costs more, but travelers typically receive 50% to 75% of their travel costs back if they cancel for any reason.

» Learn more: 10 best ski hotels to book with points

Injury is another big risk for ski trips. Injured skiers and snowboarders would most likely have to cut their trip short. That's when ski travel insurance with trip interruption coverage would help pay for the costs associated with returning home early.

Note that this coverage differs from travel medical insurance and medical evacuation insurance . Injured travelers will typically have to use some combination of their regular health insurance and travel medical insurance from their winter sports insurance policy (regardless if it's provided through a credit card or bought separately). 

"Depending on where you're skiing, your home health insurance might cover you for an accident. But it also might not if you're outside of your home health network, and certainly not if you're traveling internationally," says Stan Sandberg, co-founder of TravelInsurance.com.

Advanced skiers and snowboarders will likely need even more coverage. If adventuring into the backcountry, outside of resort bounds or heli-skiing, consider getting additional insurance coverage for adventure sports. 

» Learn more: How to save on a ski trip

This is a vague name for coverage, but it's a good add-on to a travel insurance policy for winter sports trips. "Travel inconvenience," sometimes called "Lost Skier Days," will reimburse travelers if the resort closes because of too much or too little snow.

This type of coverage is typically available from Dec. 1 to March 31 for resorts in the Northern Hemisphere and can reimburse up to $125 in lost expenses per day.

Many travelers are familiar with baggage loss or delay coverage , but some might not know that expensive ski or snowboarding gear might not be covered entirely. After all, typical travel insurance policies insure up to a certain dollar amount only. So if the airline loses your expensive skis, you might not be reimbursed for the full value.

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, for equipment rentals.

If you're worried about losing the nonrefundable costs of your winter sports-focused vacation, ski travel insurance can provide some peace of mind. Look for coverage that reimburses you in case of winter weather delays or accidental injuries. In addition, travel inconvenience or sports equipment coverage are add-ons that can help you recoup the costs associated with lift tickets and equipment rentals.

Skiing and snowboarding are always an adventure, but delays and accidents don't have to be so costly.

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

on Chase's website

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Home » Travel Insurance » Reviews » Best Travel Insurance For Ski Trips in 2024

Best Travel Insurance for Ski Trips in 2024

Written by Antonio Cala

• Affiliate Disclosure

Table of Contents

Whether you’re a seasoned skier, snowboarder or an enthusiastic adventurer, having the appropriate insurance is crucial. In this article, we will review the best travel insurance for ski trips available today. We will explain what makes ski travel insurance different, what features to look for and our top picks for 2024.

For an in-depth analysis of insurance choices tailored for adventure travelers, don’t forget to check out the  Ultimate Guide to Adventure Travel Insurance .

Quick Recommendations

If you want some quick recommendations, here is our infographic to help you choose the best insurance for your next ski trip. 

Ski Travel Insurance Overview

What is ski travel insurance.

Introducing ski insurance, alternatively known as winter sports insurance—a specialized travel coverage designed to safeguard against mishaps during skiing or snowboarding getaways.

Often offered as an add-on to standard travel insurance, this tailored protection extends coverage to ski and snowboard equipment, medical treatments, and expenses associated with skiing-related injuries—areas typically excluded in standard travel insurance policies.

In this guide, we unveil the top-rated policies recommended by our experts, ensuring you make an informed choice for a worry-free winter sports adventure.

What Does It Cover?

The majority of ski trip insurance policies typically provide coverage for the following four categories:

Medical Expenses

Incurring injuries on the slopes can lead to substantial costs. While treatment expenses may be covered based on your location, additional charges for services like air ambulance rescue and medical repatriation may apply.

Most ski insurance policies provide coverage for emergency medical treatment, often up to millions, but it’s crucial to note that rescue coverage might have a capped limit, potentially lower than the medical treatment coverage.

Equipment Coverage

In the unfortunate event of damage, theft, or loss of your skis, poles, or snowboard, ski insurance typically offers coverage ranging from a few hundred dollars to several thousand. You can file a claim for the cost of repairing or replacing your equipment, including expenses for renting replacement gear.

Trip Cancellation or Interruption

In case you need to cancel or cut short your ski trip due to injury, ski insurance enables you to claim reimbursement for the missed portions. Cancellation limits vary, ranging from $500 to $15,000.

Weather-related Issues 

Avalanche Delay

Specific to winter sports breaks, ski insurance covers delays caused by avalanches affecting your skiing plans.

Piste Closure

If the ski slope is closed, preventing you from skiing, you can make a claim for compensation. Typically, the closure must exceed a certain duration for eligibility.

What Doesn't Cover?

When contemplating specialized winter travel insurance, it’s essential to grasp the exclusions. These may include:

Venturing off-piste: If you have an accident off the main ski paths, your insurance may not cover medical costs for that situation.

Leaving equipment unattended: Some policies may not provide coverage if belongings are left in public spaces, leading to theft.

Traveling against government advice: If you travel against the recommendations of the Foreign, Commonwealth, and Development Office, your policy is unlikely to cover you.

Extreme winter sports: Activities like heli-skiing, glacier climbing, and base jumping may not be covered by standard policies. Verify if your chosen activities require additional coverage or specialist insurance.

Best Ski Travel Insurance Policies in 2024

Our Pick For

International Trips + Remote Locations + Any Nationality

Global Rescue

Nationalities: all nationalities are covered.

Pre-existing conditions: Yes.

Seniors Over 65: People aged 65-75 are included in the Individual Plan. Extended Plan memberships are available to those age 75-84 and include all services but are contingent upon completion of a medical form and a physician’s medical verification.

Trip Duration: Short term policies (7, 14 or 30-days) and long term policies (1 to 5 years) available.

Groups: Individual, family and student plans available.

Situations covered:  It covers civil unrest, natural disasters, government evacuation orders and other security emergencies (when purchasing the Security package).

• Pros & Cons

Reasons To Buy

Remote locations coverage. Coverage available for 65-84. Pre-existing conditions accepted. All nationalities accepted​.

Reasons To Avoid

The price is a bit higher than other insurance policies. However, no other company provides the same coverage as Global Rescue. It doesn’t cover trip cancellations or delays. It doesn’t cover equipment.

Worldwide field rescue (up to $500,000) in remote or dangerous environments. Global Rescue’s deployable teams are standing by to rescue their members from the point of illness or injury for any serious medical emergency.

Medical Evacuation. Global Rescue’s fully deployable medical teams have unparalleled capabilities to transport our members back to their home hospital of choice from anywhere in the world. This includes global COVID-19 transport.

Medical & Security Advisory Services. Global Rescue’s operations centers are staffed by experienced nurses, paramedics and military special operations veterans. Global Rescue also has partnerships with the Johns Hopkins Emergency Medicine Division of Special Operations, Elite Medical Group and Partners HealthCare, the Harvard Medical School affiliate.

Security Membership. Global Rescue’s teams of military special operations veterans are available to provide advisory, consultation and evacuation services for events like natural disasters, terror attacks and civil unrest when you are in danger.

Destination Reports & Event Alerts. Destination reports for 215 countries and principalities worldwide include entry requirements, COVID-19 travel status and restrictions, detailed health and security assessments and required immunizations. Keep up to date on health and security events worldwide.

My Global Rescue Mobile App. Access Global Rescue services in one location. Browse destination reports and alerts, activate emergency assistance, real-time virtual health visits and keep track of the people you care about with GPS tracking and messaging.

Security Package. Physical extraction when you are in danger of bodily harm. It includes civil unrest, natural disasters, government evacuation orders and other security emergencies.

Global Rescue  is the most comprehensive travel protection available worldwide. It has the least restrictions and biggest coverage than any other medical insurance.

It’s a medical-only protection designed for adventure travelers planning to travel internationally for an independent or organized skiing trip. All nationalities are covered and options for people over 75 are available.

Global Rescue   is our preferred option for ski trips out of the US.

Americans + Over 65 + Pre-existing Conditions + Heli-skiing

Nationalities:  Only US citizens and residents are eligible.

Pre-existing conditions:  Pre-existing conditions can be covered for Trip Cancellations and Interruptions, as long as you purchase your plan within 14 days of your initial trip deposit, and are medically able to travel when you purchase your plan.

Seniors Over 65:  There is no maximum age limit.

Trip Duration:  All plans cover trips up to 180 days.

Groups:  Insurance policies for solo travelers, couples and families are available.

The prices are very competitive.

Plans are very customizable with plenty of extras available and the option of removing items you don’t need.

Pre-existing medical conditions accepted.

24/7 chat available with the Faye Mobile App

Only available to American residents.

Emergency Medical Expenses: Up to $250,000. If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs, hospitalization and physician costs.

Emergency Evacuation: Up to $500,000. Coverage of transportation in the case of illness or injury that is acute, severe or life threatening when adequate medical treatment is not available in the immediate area.

Trip Cancellation: Up to 100%. If you need to cancel your trip for covered reasons, including if you get sick, contract COVID-19, or a travel provider goes bankrupt. We can cover flights, hotel bookings, tickets & activities, and quarantine accommodation.

Trip Interruption: Up to 150%. When you must unexpectedly cut your trip short or extend it for covered reasons, including if you contract COVID-19.

Trip Delay: Up to $4,500. Up to $300/day, for delays of more than 6 hours. When you’re stranded in transit due to reasons outside of your control such as flight delay or theft of passport.

Lost or damaged Belongings: Up to $2,000. Reimbursement for lost, stolen, or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop.

Cancel for Any Reason: Up to 75% of Trip Cost. The ability to nix your trip for reasons other than those covered in your plan’s trip cancellation coverage, including fear of contracting COVID-19, as long as you purchase this coverage within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date.

Pet Care: Up to $2,500 in veterinary expenses & 
$250 for kenneling. Coverage of veterinary expenses if you take your furry friend along (including pet sickness or injury), or kenneling costs if you arrive back home later than expected.

Adventure & Extreme Sports: Up to $250K (international trips) or $50K (domestic trips) for accidental & sickness expenses. Medical and transportation coverage if you become injured while participating in an adventure or extreme sport, like skydiving, bungee jumping, motocross or free diving.

Faye insurance  provides American residents one of the biggest medical coverages on the market at a very competitive price. 

There’s no age limit and, with the Adventure & Extreme Sports Protection, you can even get coverage for heli-skiing.

We recommend  Faye  for Americans who  want a complete travel protection for their skiing or snowboarding trip, including high medical coverage, trip protection cancellation & interruption, and baggage coverage.

Non Americans + Budget

World Nomads

Nationalities:  Most nationalities can purchase insurance from World Nomads, including residents of the United States, Canada, the United Kingdom, India, Australia, or New Zealand. However, as of the current writing, most European residents are unable to buy a World Nomads policy.

Pre-existing conditions:  Not covered.

Seniors Over 65:  Travelers aged 70 and over are not covered.

Trip Duration:  All plans cover trips up to 365 days.

The price is competitive.

Prices and coverage vary greatly by the country of residence.

Some European nationalities are not covered.

Pre-existing medical conditions not covered

Max age is 70 years old.

Emergency Accident & Sickness Medical Expense: Up to $100,000. Coverage is for medical expenses for emergency treatment of an accidental injury that occurs during the trip. Emergency treatment must be medically necessary and performed during the trip. Refer to the certificate / policy for complete details.

Emergency dental treatment: Up to $750. Coverage is for emergency dental treatment for accidental injury to sound, natural teeth. The injury and treatment must occur during the trip.

Emergency Evacuation: Up to $500,000. Coverage is for an accidental injury or sickness occurring during the trip that results in your necessary emergency evacuation. An emergency evacuation must be ordered by a physician who certifies that the severity of your accidental injury or sickness warrants your emergency evacuation. Refer to the certificate / policy for complete details.

Trip Cancellation: Up to $10,000. Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date) due to covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike or other covered reasons. Refer to the certificate / policy for complete details.

Trip Interruption: Up to $10,000. Reimburses for prepaid, non-refundable, unused expenses if you must interrupt your trip (after departure) due to a covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons. Refer to the certificate / policy for complete details.

Trip Delay: Up to $3,000. Coverage is for unused portion of pre-paid accommodation or additional expenses, on a one-time basis, if you are delayed en route to or from the trip for 6 or more hours due to a defined hazard as explained in the certificate / policy.

Baggage & Personal Effects: Up to $3,000. Reimbursement is for loss, theft or damage during the trip to baggage and personal effects (including sporting equipment) owned by you, provided you have taken all reasonable measures to protect, save and recover the property. Per article limit of $500.

Activities covered based on 4 groups. You pay more for higher group. The Explorer plan includes more activities than the Standard Plan. Extreme activities not covered (cave diving, free soloing, etc)

The  World Nomads Explorer Plan is a great option if you’re looking for an affordable travel insurance that covers skiing & snowboarding (on piste, off piste, heli-skiing, heli-boarding).

We recommend  World Nomads Explorers plan  for skiing trips if you are not American or don’t want the full-protection that Faye provides.

Comparison Table

When selecting insurance for your ski trip, a critical consideration is the remoteness of your ski destination.

For those hitting the slopes in less frequented ski areas, the top choice is Global Rescue . Its superior medical evacuation services distinguish it from other insurance options.

If your ski trip is planned for less remote regions and you’re a US resident, an outstanding insurance choice is Faye . It offers comprehensive medical coverage, includes pre-existing conditions, has no age restrictions, and covers winter sports, even at elevations above 9,000 feet.

For non-US residents embarking on ski adventures that aren’t in particularly isolated locations, the  Explorer Plan from World Nomads  is a robust alternative. It provides significant medical coverage and is noted for its cost-effectiveness in the insurance market.

Other Travel Insurance Reviews

If you would like to read more about insurance options for other type of adventure trips, you can check out our other reviews below:

• Skiing &  Snowboarding
• Hiking Trips
• Mountaineering & High Altitude Trekking
• Mountain Biking,   Bike-touring  &  Bike-packing
• Rock Climbing ,  Ice Climbing  &  Bouldering
• Kayaking ,  White Water Rafting  &  Paddle Boarding
• Fishing  &  Spearfishing
• Diving Liveaboards &  Freediving
• Sailing ,  Kite Surfing  &  Surfing
• Adventure Cruises
• Adventure Motorcycling
• Travel Insurance for Seniors Over 65
• Travel Insurance for People with Pre-existing Conditions

Ski Travel Insurance Reviews Online

When doing your research, you might want to read what other publications have to say about the best ski trip insurances out there.

Here are some of the most popular articles I found interesting. 

Best Ski Insurance 2024 – Which?

Winter Sports Travel Insurance: Our Pick Of The Best – Forbes.com

About the Author

Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.

They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions.  Today, they’re still traveling,  currently around the USA with an RV.

Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.

Together, they also run the travel community Summit , the RV site Hitched Up , the boutique accommodation blog  Unique Places  and the popular newsletter Adventure Fix , where they share their knowledge about the places they’ve visited and the ones still remaining on their list.

Antonio Cala

Co-Founder of Adventure Fix

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You are our first priority. every time..

We believe everyone should be able to make decisions with confidence. And while our site doesn’t feature every company or travel service available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.

Find the perfect policy: Compare ski and snowboard travel insurance policies for off piste, backcountry, heli-skiing and more.

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Wander More. Worry Less.

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?

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.

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 ).

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.

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 the DOC/Policy for more details.

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

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

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

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SKIING INSURANCE

• Travel Insurance for skiers
• Cover for On and Off-Piste Skiing
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Our skiing insurance policy options.

Put simply, we offer three different policy options…

1. Ski Travel Insurance

We provide a Skiing Travel Insurance that includes cover for skiing abroad for leisure or competition. The policy includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Ski Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider, such as your bank, but it does not include cover for skiing, we can provide a bolt-on style of protection for your trip.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you whilst skiing in the UK. The policy offers personal accident insurance and income protection. Get an instant quote for any of our policies online.

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Why choose our Skiing Insurance

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, including various skiing disciplines such off-piste and ski racing.

What makes our ski insurance policy different?

Be aware that some travel insurance policies will exclude skiing, snowboarding and many other activities on the slopes. So, if you have an accident and are not covered, you could be left to pick up the bill. Make sure you have the correct cover.

At SportsCover Direct we cover a variety of winter sports disciplines including off-piste skiing, cross-country skiing, Nordic combined, ski jumping and a whole host of other activities on the mountain.

Our policy comes with benefits such as 24 hour emergency medical assistance, search and rescue, cancellation cover and more. If you need to be evacuated from the mountainside or repatriated back home, this will be covered under our policy.

Our Sports Travel Insurance policy lets you choose the skiing insurance that suits you. Just tell us exactly what you will be doing on your ski holiday and we’ll provide you with the cover you need.

Find out more when you get an instant quote for Skiing Insurance.

What’s covered with ski insurance?

Due to the nature of the sport, there are risks attached to yourself and others, so it is worth ensuring you have appropriate insurance to cover unexpected incidents. 

Our Skiing Insurance cover will include:

• Emergency Medical Expenses & Repatriation
• Cancellation & Curtailment
• Personal Accident cover
• Personal Liability
• Delayed, lost or stolen baggage
• Activity & Race Entry Fees
• Sports Equipment

What winter sports are covered?

A comprehensive ski travel insurance policy will cover multiple winter sports. Our ski insurance can include and not limited to:

• Skiing (on and off-piste)
• Snowboarding (on and off-piste)
• Snowshoeing 
• Cross-country skiing 
• Ski Touring

Why you need ski travel insurance?

The possibility of getting injured whilst skiing is relatively high due to the nature of the sport. With this in mind, it’s important to financially protect yourself from the costs of receiving medical treatment in a foreign country. 

Taking out specialist ski insurance ensures you will have comprehensive cover for your winter holiday. Find out more when you get a quote online.

Frequently Asked Questions

Standard travel insurance policies do not normally cover hazardous activities. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover as an optional add-on. This not only protects your  own equipment, but also any gear you hire during your trip. It also covers your paragliding equipment in transit to and from your destination.

Yes, our Ski Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our Ski Travel Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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• Travel Advice
• General Information

Travel Insurance for Skiing Explained

Last Updated: June 17, 2019 January 9, 2024

Skiing trips are among the most common getaways for active travelers during the winter. Hence why many travel insurance providers are now building plans specifically with these travelers in mind.

Whether you’re heli-skiing, cross-country skiing, or anything in between, it’s important to know the risks involved and how to protect yourself financially if things don’t go according to plan.

Squaremouth shares the best travel insurance benefits for skiers, and how plans can provide much needed peace of mind on the slopes.

What Should I Look for When Buying Ski Travel Insurance?

The most important thing when searching for a ski travel insurance plan is to make sure skiing is a covered activity. Oftentimes, insurance companies will often list inherently dangerous sports like skiing and snowboarding in their exclusions. This means that medical coverage and baggage protection wouldn’t apply if something were to happen during your trip.

When searching for a travel insurance plan, look specifically for policies that feature the Sports & Activities benefit. These plans are built for adventure, and will extend valuable benefits to those participating in risky sports like skiing. Even with this benefit, though, it’s still important to double check the exclusions and make sure that your ski plans are covered by a policy.

Do I Need Travel Medical Insurance For My Ski Vacation?

Few countries or ski resorts will require that you show proof of medical coverage. If you’re a U.S. resident or citizen taking a ski trip within the USA, your primary health insurance will likely cover medical emergencies that occur during your trip.

However, for those without health insurance or those taking an international trip, getting coverage for medical care and medical expenses is highly recommended.

Whether you’re an experienced skier or a beginner, injuries can happen on any run. This is especially true for those that enjoy backcountry skiing or going off-piste.

Squaremouth recommends skiers consider buying a travel insurance plan that includes strong Emergency Medical and Medical Evacuation coverage.

Emergency Medical may cover the cost of hospital bills, ambulance rides, x-rays, and other medical expenses. Specifically, we recommend a plan with at least $100,000 in Emergency Medical coverage.

Medical Evacuation can provide reimbursement for emergency transportation services if a treating physician deems it necessary to receive care at a more adequate facility. Some plans also include reimbursement for repatriation of remains. Given the potentially high costs of these evacuations, we recommend a policy with at least $250,000 in Medical Evacuation coverage.

What Other Travel Insurance Benefits Should I Consider?

The vast majority of Squaremouth customers purchase single trip comprehensive travel insurance plans that include a wide-range of benefits that may also be valuable to skiers. When you get a quote for your trip, we recommend finding a plan with the following features:

• Trip Cancellation : If you get sick or injured before your ski trip, this benefit can reimburse up to 100% of your prepaid, nonrefundable trip expenses. This can include prepaid lift tickets, lodging, and flights. Cancellation policies also include Trip Interruption coverage, which can reimburse you if you need to cut your trip short due to an illness or injury, such as an injury that occurs while skiing.
• Sports Equipment Coverage : Can cover loss or damage to your skis, snowboard, or other winter sports equipment during your trip. Some policies may also cover the cost to rent equipment to cover your loss.
• 24 Hours Assistance Services : All providers found on Squaremouth offer support before, during, and after a trip. Providers can be reached at anytime to help with a broad range of services, medical referrals, and monitoring, legal assistance, arrangement of medical evacuations and pre-trip assistance, among others.

To search for travel insurance for skiing, travelers can use Squaremouth’s Adventure Travel Insurance activity selection matrix.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

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5 Reasons to Buy Travel Insurance For Your Ski Trip

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

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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• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• Best for adventure traveling
• How we reviewed travel insurance companies

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.

• Main content

FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

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Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

7 Nearly Secret Things to Do If You Fly Southwest

Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

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Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

5 Signs You’re Doing Better Financially Than the Average American

Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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New Mexico wildfire map: Track Ruidoso area fires as responders work to contain them

Click here to see live updates on the New Mexico wildfires.

Emergency responders are working to contain the two wildfires that prompted evacuations in southern New Mexico.

As of Tuesday, June 25, the Salt Fire and the South Fork Fire had spread over 25,500 acres:

• South Fork Fire: 17,556 acres; containment: 54%.
• Salt Fire: 7,947 acres; containment: 38%.

New Mexico wildfire map and smoke tracker

The fire tracker provides a map with pinpoint locations of each fire and shows where red flag warnings are in effect, among other information. You can also click on each point to see detailed information on the fire in that area.

If you can't see the map above,  click on this link .

SEE: Photos of South Fork Fire

View more: South Fork Fire continues to burn near Ruidoso. Here's what the fire looks like in NM

New Mexico communities ordered to evacuate

The Village of Ruidoso, with a population of nearly 8,000, was placed under mandatory evacuation orders on June 18 as the wildfires rapidly spread and have caused property damage. However, full-time residents have been allowed to return to the area with a week's worth of food and drinking water. The village warned some homes may not have utilities, and a boil water advisory was put into effect Saturday, June 22

Two deaths have been reported  and over 23,000 structures have been affected. Portions of US Highway 70 and US Highway 48 have remained closed.

Tribal members who have been displaced outside of the Mescalero Apache Reservation due to the fires may contact the Tribe’s Emergency Operations Center (EOC) for assistance returning to the reservation. If stranded out of town at other evacuation sites, members may call the EOC at 575-464-9214 for more details. 

Ruidoso live webcams: See the fires in real-time

These live views from Ruidoso are courtesy of  ruidoso.net . Additional webcams are available here .

Finding Doctors Abroad: A Guide

• Last updated Jun 27, 2024
• Difficulty Beginner

• Category Travel

Finding a Doctor When Travelling Abroad

It's important to know how to find a doctor when travelling abroad, as 6 to 87% of individuals get sick during international trips. Before your trip, it's a good idea to research medical services at your destination, and understand what your insurance covers. If you're travelling in the EU, you can dial 112 for emergency services. If you're an American citizen, the US embassy or consulate can help you locate medical services and notify your emergency contacts. If you have travel insurance, they should provide an emergency medical assistance number.

What You'll Learn

Research medical care at your destination, check your insurance covers you abroad, pack a first aid kit, enrol in the smart traveller enrollment program, research evacuation insurance.

Researching the medical care available at your destination is an important step in planning any trip. Before you travel, it is a good idea to learn about the healthcare system in the country you are visiting. This includes understanding the different medical services that are available and those that are not. You can research this online by visiting the website of the US embassy in the country you are visiting. The Centers for Disease Control and Prevention (CDC) also provides destination-specific health and medical-related information.

It is also important to understand that medical practices and healthcare facilities vary from country to country and there may be language barriers to consider. Therefore, it is a good idea to familiarize yourself with your medical history and take steps to prepare for any medical emergencies. This includes taking out appropriate insurance and understanding what medical services your insurance covers overseas. For example, some insurance companies pay for "customary and reasonable" hospital costs abroad, but very few pay for medical evacuation back to the United States. As such, it is recommended to buy medical evacuation insurance separately.

In addition to insurance, there are several other steps you can take to prepare for accessing medical care at your destination. These include:

• Packing any prescription medications in their original, labeled containers and bringing a few extra days' worth of medication in case of delays.
• Carrying a letter from your doctor describing your medical condition and listing any prescription medications, including their generic names.
• Preparing a card that identifies your blood type, any chronic illnesses, medications, and allergies, in the local language of your destination.
• Wearing a MedicAlert bracelet if you have serious medical conditions.
• Enrolling with the Department of State's Smart Traveler Enrollment Program (STEP) to receive emergency updates and help friends and family contact you in the event of an emergency.

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When it comes to finding a doctor while travelling abroad, one of the most important things to do is ensure that you have adequate insurance coverage. Here are some detailed and instructive pointers on checking your insurance covers you overseas:

Understand Your Insurance Policy

Before embarking on your trip, thoroughly review your insurance policy or contact your insurance provider to clarify the extent of your coverage. Ask specific questions about international travel and the countries you plan to visit. Find out if emergency medical coverage is included and if there are any exclusions or limitations. Inquire about coverage for pre-existing conditions and the procedure for making a claim. Understanding the fine print will help you make informed decisions and avoid unpleasant surprises during your travels.

Know the Limitations of Medicare and Medicaid

If you rely on Medicare or Medicaid for your medical coverage, be aware that these programmes generally do not provide coverage outside of the United States. Medicare, in rare cases, may cover certain services received in foreign hospitals if they are closer to your location than the nearest US hospital that can treat your condition. These situations include medical emergencies occurring within the territorial waters of the US or while travelling through Canada between Alaska and another US state.

Consider Travel Insurance

If your current health insurance plan does not provide adequate coverage for international travel, consider purchasing travel insurance. Evaluate the cost based on factors such as your destination, trip duration, age, pre-existing conditions, and desired coverage amount. Travel insurance can provide valuable protection in case of unexpected medical emergencies, evacuations, or interruptions during your trip.

Understand Medical Evacuation Coverage

In the event of a serious medical situation abroad, you may need to be transferred to a different medical facility or returned to your home country for treatment. Medical evacuation coverage can provide financial protection for these scenarios. Some travel insurance plans include this coverage, while others offer it as an optional add-on. Evaluate your potential need for medical evacuation coverage based on the activities you plan to engage in and the remote locations you may visit.

Review Credit Card Benefits

Certain credit cards, especially those with travel rewards programmes, may offer limited emergency medical coverage or evacuation services. Review the benefits guide of your credit card to understand the extent of any included coverage. While this may not be as comprehensive as a dedicated travel insurance policy, it could provide some level of protection in case of unforeseen medical situations during your trip.

By following these steps and carefully reviewing your insurance coverage before travelling abroad, you can ensure that you have the necessary protection in case you need to seek medical attention while away from home.

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Packing a first aid kit is essential when travelling, as it ensures you're prepared for any minor medical issues that may arise. Here's a detailed list of what to include when packing a first aid kit for your travels:

Basic First-Aid Items:

• Antibacterial wipes or hand sanitiser (containing at least 60% alcohol) for cleaning tools and hands.
• Instant cold packs to relieve bumps, bruises, minor burns, sprains, and strains.
• Pain relievers such as acetaminophen, ibuprofen, or aspirin for headaches, pain, or fever. Include a children's formula if travelling with kids.
• Scissors for cutting gauze, bandages, or opening medication packages. Remember to pack these in your checked luggage if flying.
• Self-adhesive wrap for supporting sore joints or injuries.
• A thermometer to check for fevers. Ensure you clean it with an antibacterial wipe after each use.
• Tweezers for removing bee stingers, splinters, and ticks.

Essentials for Skin Problems:

• Aloe vera gel for sunburns and irritated skin.
• Antibiotic ointment to apply before bandaging a wound.
• Antiseptic spray or wipes for cleaning dirt and germs from cuts and scrapes.
• Bandages in various sizes, including small, medium, and large.
• Calamine lotion to relieve poison ivy, hives, and itchy skin conditions.
• Gauze pads and rolls for larger wounds that require more coverage than a bandage.
• Medical tape to secure gauze to the skin.

Medicine for Stomach Troubles:

• Antacids for heartburn or mild indigestion.
• Anti-diarrhoea medication to quickly remedy traveller's diarrhoea. Consult your doctor about a prescription antibiotic if necessary.
• Laxatives or stool softeners for constipation, but use with caution as they can cause diarrhoea or painful cramps.
• Motion sickness medication, even if you don't typically suffer from it. Be aware that some may cause drowsiness.

First Aid for Respiratory Problems:

• Antihistamines like loratadine or diphenhydramine for seasonal allergies.
• Cold relief medication, including daytime and nighttime formulas, for congestion, coughs, and headaches.
• Cough suppressants to help you rest.
• Saline nasal spray to gently clean congested nostrils.

COVID-19-Related Items:

Hand sanitiser and extra face masks to reduce the risk of spreading COVID-19. Opt for straightforward, unscented hand sanitiser.

Other Essentials:

• Any prescription medications you regularly take, ensuring they are in their original, labelled packaging. Pack enough for your trip, plus some extra in case of delays.
• A list of all your medications, including brand and generic names.
• A doctor's note for prescription opioids or medications with needles, in case your luggage is searched.
• If travelling with children, ensure the first-aid kit is locked or out of their reach. Consult a paediatrician before administering any cough or cold medicines.

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Enrolling in the Smart Traveller Enrollment Program (STEP) is a great way to ensure you are prepared for any medical eventuality while travelling abroad. STEP is a free service offered by the U.S. Department of State's Bureau of Consular Affairs to U.S. citizens and nationals travelling outside of the country.

STEP provides enrollees with important safety and security information and updates from the Embassy about safety conditions in their destination country. This includes real-time updates about health, weather, safety, and security. It is a useful tool to help you plan ahead using information from the local U.S. embassy.

In the event of an emergency, such as a natural disaster, civil unrest, or a family emergency, STEP can help the U.S. embassy, friends, and family contact you. This is especially important if you are travelling alone and need assistance.

To enrol in STEP, you can register your trip with the nearest U.S. embassy or consulate to your travel destination. You can do this by visiting the STEP homepage and selecting the appropriate option. Infrequent travellers can enrol a single trip, while frequent travellers can create an account to quickly modify their travel information and enrol in future trips.

Once enrolled, you can choose what types of messages you want to receive. STEP sends emails with routine messages about news and updates, alerts about short-term security, terrorism, health, weather, or disaster situations, and travel advisories with a simple 1-4 rating system and details about specific risks.

By enrolling in STEP, you can stay informed, connected, and safe during your travels. It is a valuable resource for anyone travelling or living outside of the U.S. and can provide peace of mind in case of unexpected events or emergencies.

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When travelling abroad, it is essential to have travel medical expense insurance as your domestic health insurance may have limited or no coverage outside your home country. For example, U.S. Medicare and Medicaid do not cover medical costs overseas, and private U.S. insurance policies might also not cover all expenses.

Medical evacuation insurance is a type of short-term supplemental policy that covers healthcare costs incurred while abroad. It is strongly recommended, especially when visiting countries with limited healthcare facilities. This insurance covers the cost of emergency transportation, which can be very expensive, with the price of an international transfer to a U.S. facility being $250,000 or more. Many travel insurance plans with emergency medical evacuation coverage have limits of up to $500,000 or even $1 million for emergency transport.

You can purchase medical evacuation insurance separately or as part of your travel health insurance policy. Before purchasing, be sure to research your destination to find out if travel operators require a minimum amount of medical coverage to board. Also, check with your health insurance company to see if your health plan has global coverage and whether it’s considered “out of network”.

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Frequently asked questions.

The nearest US embassy or consulate can help you locate medical services. You can also consult an authoritative website on overseas physicians, such as U.S. embassies and consulates, or contact the International Society of Travel Medicine or the International Association for Medical Assistance to Travelers for English-speaking doctors in your destination.

Before traveling abroad, it is important to research the medical services available at your destination and understand what your health insurance will cover. It is also recommended to get travel insurance, especially if your health insurance does not cover international travel. Additionally, make sure to bring any necessary medications and pack extra in case of delays.

If you need to see a doctor while abroad, contact your insurance company to schedule a visit. They can help you find a local doctor and may pay the provider directly. If you do not have insurance, you can contact a local doctor or healthcare facility directly to schedule an appointment.

In an emergency, dial 112 in any EU country to reach emergency services. You can also contact the nearest US embassy or consulate for assistance in locating medical services.

• Kamilla Henke Author

• Alain Brady Author Reviewer

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