The Best Winter Sports Insurance

winter sports insurance

Finding the best winter sports insurance can be a bit of a minefield, with so many travel insurance deals not including sports such as skiing and snowboarding in their small print. After many winters on the slopes we’ve found what we believe to be the most reliable winter sports insurance (and in fact the go to travel insurance for anyone who likes to travel adventurously and long term).

winter sports insurance
Winter sports travel insurance – This post contains affiliate links for products we recommend

Read on to find out more or get a quote below if you’re in a hurry – to make sure you’re covered just check the sports you love have a tick and you know you’re good to go!

Why Buy Winter Sports Travel Insurance?

Any kind of winter sport comes with it’s risks, and anyone who has been on a winter holiday somewhere even mildly adventurous will know that winter sports insurance is important! Winter sports are notorious for being ever so slightly more dangerous than usual, with all that unpredictable weather, high speed action and occasionally a little too much alcohol!

Doing ski seasons has forced Adam and I to think quite carefully about the best winter sports travel insurance to cover us for the worst possible scenario. No one likes to think of things going wrong, but with good winter sports insurance you can think about it only once before you go and then forget all about it!

Honestly, I don’t want to go into some of the stories we’ve heard from our last ski season, but if you fancy having a read of all the things that can go wrong when you travel then knock yourself out (not literally, unless you have travel insurance for that).

One persons second-hand story is another persons tragedy and I’m not sure hearing and recounting these stories has been at all good for my anxiety out here. What has been good is knowing we’re covered if anything does go wrong. That peace of mind is priceless.

a boy snowboarding in the mountains, happy in the knowledge he has winter sports insurance
Get winter sports travel insurance for peace of mind

Without going into too much detail, here are some of the things your winter sports travel insurance may cover you for (depending on which policy you go for)

  • Evacuation if it’s urgent and medically necessary (by helicopter if medically necessary and available);
  • Emergency medical expenses overseas for treatment at the hospital or local medical facility and/or;
  • Repatriation home if you’re injured and unable to continue your trip.

Good winter sports travel insurance should also cover you for all the usual holiday essentials, like loss of luggage (which on a ski or snowboarding holiday could really add up!)

It’s horrible to think that these things could ever be needed, but it really isn’t all smooth going out here and it’s so much better to be prepared in case things do go south.

What’s Covered In My Winter Sports Insurance?

people doing winter sports in the snowy mountains
Make sure you’re fully covered for your chosen winter sports

You must, must, must read the small print in your insurance policy. I was shocked to find that the quote I was given for winter sports insurance from a well known company did not include skiing or snowboarding!

The other thing that’s very tricky to find is an insurance provider that will cover you for longer periods of time. We didn’t want to be paying for new insurance every week!

It took a long time for me to find an insurance provider that would cover me for the winter lifestyle I wanted to embark on. Luckily World Nomads will cover you for any period of time and they have a HUGE list of activities they can cover you for. It’s a really easy to navigate site, so you don’t feel like you’re being bamboozled by lots of industry talk.

How To Get Your Winter Sports Insurance

snow covered trees in the mountains at winter time
How do you find winter sports insurance?

With World Nomads, it really is as simple as adding the winter sport you want to participate in on your policy when you sign up for it. Some winter sports are covered in the standard plan and others you will need to add in as extras, but the website is very clear and easy to follow so you shouldn’t have any problems working out what’s what!

For us, skiing and snowboarding insurance wasn’t included in their main winter sports insurance package, so we opted for the higher level of travel insurance to make sure we were covered.

It was an incredibly reasonable price compared to other winter sports insurance quotes we received. Obviously it depends on the activities you’re planning, where you’re going and how long for – you can get a quick quote below to compare prices.

What’s Not Covered In Your Winter Sports Insurance

a girl smiling on the mountains because she has winter sports insurance to cover her ski trip
Check what you’re not covered for before you enter into any ski acrobatics competitions!

Obviously the policy can’t cover every worst case scenario, so you should take the time to read all the terms and conditions before you buy so you don’t get caught out. World Nomads provides the best ski and snowboarding insurance we could find and we’re happy that we’re as well covered as we can possibly be! Plus we don’t plan on doing any stunts any time soon!

It’s not a condition of cover that you ski or board with a guide, however they do state that you must follow the International Ski Federation code or the resort regulations, and they recommend that you don’t venture into back country areas without taking local advice and appropriate rescue equipment. That’s just common sense, right!?

people playing the winter sport ice hockey in an indoor stadium
Make sure you tick the sports you need to be covered for before your trip

Here are some of the main things that aren’t covered, but remember I’m not the insurance provider (even if I am very trustworthy!) so make sure you read this all from them too. The main things this winter sports insurance doesn’t cover:

  • Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboarding acrobatics, ski/snowboarding stunting, ski racing ice hockey or the use of skeletons.
  • Skiing or snowboarding at a professional level i.e. you are being paid or sponsored.
  • Competing at international events as a national representative or national squad training.
  • Search and rescue.
  • Any on-going medical expenses once you return to your country of residence.
  • Anything mentioned in the General Exclusions, the Specific Exclusions under Section 8 or any other exclusions in the policy.

Hopefully this has helped you find the perfect winter sports insurance for the coming season, so that you don’t have to worry about anything that might go wrong. Let us know below if you’ve ever had to claim on your winter sports travel insurance!

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