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Ski Insurance

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Ski and winter sports travel insurance is primarily designed to give cover for emergency medical situations, mountain rescue and repatriation for the policy holder. It is not designed to be a catch all healthcare insurance.

Most Travel Agents and Tour Operators will offer you ski insurance along with their ski holiday packages, but there are now many insurance companies that specialise only in ski and winter sports insurance and by comparison their cover will usually exceed that of the Travel Agent's. Probably the most popular method for obtaining ski travel insurance is by buying it online, as this is by far the easiest and quickest way and enables you to get various quotes without the pressure from sales staff.

It's quite likely that standard travel insurance will give some degree of cover for a skiing holiday, but you have to be aware that there could very well be strict conditions on when and what you can claim for. For example, on reading the insurance small print it may state that any loss through theft can only be reclaimed if the ski equipment was stolen while in use. In other words, if the opportunist thief took your ski equipment from the hotel's ski room then you would not be entitled to make a claim for it.

In light of this, buying insurance that is specifically designed for skiing, snowboarding and other winter sports is probably going to give you the optimum amount of insurance cover, and a better chance of having more lenient policy conditions too. In that respect, as good as it is, the ski insurance offered by Travel Agents just might not be enough to give you total peace of mind, or for that matter insure you for other activities you may like to engage in on your holiday.