Winter Sport Travel Insurance
Insurance for Winter Sports
Whether you are skiing, snowboarding, tobogganing or taking part in any other winter sport, it is important to have the right level of travel insurance in place. Snow sports are incredibly exhilarating and fun, but can be dangerous, and you need a comprehensive winter sports travel insurance policy in place to ensure that you are not placing yourself at an excessive financial risk in the event of an accident.
Find the most competitive winter sports insurance quotes
Winter sports travel insurance is often an additional extra to standard travel insurance, and is designed to offer a more specialist policy that offers more comprehensive cover. The sort of things that a specific winter sport travel insurance policy will cover include lost, damaged or stolen luggage, medical costs, cancellations and delays, as well as more specific cover for winter sport activity related things such as delays caused by avalanches or piste closures of more than 24 hours. One very important feature of winter sports travel insurance is the personal liability cover should you injure someone else. Given the dangerous and often costly nature of winter sport injuries, having this peace of mind will help you to relax and to enjoy your holiday, free from the worry about the potentially large bills that you may rack up in the event of an accident.
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Whilst every winter sport travel insurance policy is different, there is a standard list of sports that will be typically covered. However, it is important to check your specific policy to ensure the sports you want to take part in are covered:
- On-piste skiing
- On-piste snowboarding
- Tobogganing
- Ice-skating
- Snowmobiling
- Dog-sledding
- Sleigh rides
For more extreme winter sports such as off-piste skiing and snowboarding or glacier climbing, standard winter sports travel insurance policies might not typically cover these activities as standard. For these activities, you might be required to pay an additional fee, or seek out a specialist insurance provider to find the right level of protection that you need. Many insurance policies will require you to follow all necessary safety procedures, such as wearing a helmet, otherwise they might refuse to payout. Additionally, some insurers will refuse to provide cover should you have been under the influence of drink or drugs when you have an accident.
Is Winter Sports Travel Insurance valid worldwide?
Whilst you can enjoy winter sports all around the world depending on the time of year, your travel insurance will not necessarily cover winter sports in every location. You will need to set the location when searching for a winter sport travel insurance quote online. This is because certain locations, typically USA and Canada, have a higher cost of medical care and therefore the insurance premiums will be more expensive.
If you are planning multiple winter sports trips, you can explore annual policies rather than single-trip policies. Depending on the amount of trips you are going on, and the destinations you plan on visiting, an annual policy may prove to be more cost effective.