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Winter Sports Travel Insurance – The Ultimate Guide

• August 28, 2023

If you’re an avid winter sports fan and love to hit the slopes every season, you know that good travel insurance is of paramount importance. But do you know which one offers the best coverage?

Let’s explore the top providers and how they can give you the protection you need during your next winter sports adventure.

What is Winter Sports Travel Insurance?

Winter sports travel insurance can provide peace of mind when traveling during the colder months. As you plan your snowy getaway, it’s essential to understand the risks associated with winter activities, such as skiing and snowboarding, and how a special winter sports travel insurance policy may provide you with the protection you need.

Winter sports medical emergency coverage can be critical if you are heading off to a ski resort or secluded area of the mountains on vacation because local healthcare facilities may not be available in an emergency.

With an insurance policy for winter sports travel, you’ll have access to specialized medical care in case something happens while enjoying your outdoor activities.

In addition to medical coverage, policies often provide coverage for stolen equipment, damage or loss of equipment due to breakdowns or delays during trips, and even trip cancellation due to bad weather.

Additionally, some policies will cover avalanche search and rescue operations if they should become necessary. Knowing that these risks can easily be covered with a proper policy will help alleviate any concerns before beginning your winter vacation.

When selecting your winter sports travel insurance plan, it’s essential to read all of the details before purchasing. Different plans may offer different levels of coverage, so make sure that the one you choose meets all of your needs. 

When properly prepared and protected with a comprehensive plan before heading out on any ski trip or other winter holiday adventure, you’ll have less worry about what could go wrong so that you can enjoy all that nature has to offer when snow hits the ground!

Benefits of Winter Sports Travel Insurance

Travel insurance for winter sports trips is a must for any traveler heading on an adventure to ski, snowboard, ice skate, or participate in other winter activities. Winter sports travel insurance provides protection from the unexpected dangers of winter sports trips.

Winter sports travel insurance covers you and your possessions in the case of an accident, trip cancellation or interruption, damaged or lost luggage, medical and evacuation expenses, and more. Many insurers even provide coverage for extreme sports such as heli-skiing and shark diving.

The benefits of winter sports travel insurance can include reimbursement for medical expenses such as ambulance rides, doctor’s visits, and surgery if you are injured while participating in a covered activity.

Trip cancellation benefits should you be forced to cancel your ski vacation before it begins, luggage loss protection should your equipment be lost or stolen, and additional coverages like collision damage waiver benefits if you rent snowmobiles or other equipment.

Winter Sports Travel Insurance also offers coverage when renting expensive specialty sporting equipment such as snowboards, skis, snowshoes, or avalanche airbags.

With so much going on during winter vacations – icy roads, unpredictable weather conditions, high altitudes – it’s crucial to ensure that you have the financial backup to protect yourself from unexpected costs associated with participating in winter activities around the world.

Types of Winter Sports Covered

When traveling overseas to take part in winter sports activities, it is essential to make sure you have the right type of travel insurance . 

Different policies will cover different types of winter sports, and it is important to make sure your policy covers the specific activity you are planning to participate in. 

Here we look at some of the sporting activities typically covered by winter sports travel insurance policies:

Snow Sports

These are activities that include skiing, snowboarding, tobogganing, mogul skiing, and heli-skiing. Policies typically cover associated risks such as an injury due to accidents while participating in these activities, damage or loss of equipment, including skis, snowboards, and helmets, or medical costs.

These are activities such as ice hockey and curling, where blades are used on ice surfaces for sliding or propelling objects. Insurance policies usually provide coverage for medical costs of an injury that occurred while participating in these activities, as well as any associated equipment damage or loss.

Winter Trekking

Many hazard-related risks can be encountered when trekking during winter months. Policies cover medical costs due to accident or illness while out on a trek (including rescue expenses) and associated equipment damage or loss while trekking during cold weather conditions.

Other Winter Activities

Have you planned other cold-weather activities, such as dog sledding? Most insurers will tailor a bespoke policy for activities such as these, ensuring adequate levels of coverage for all associated risks.

Key Considerations When Choosing Winter Sports Travel Insurance

When selecting winter sports travel insurance, there are several important things to consider.

First, it is vital to understand the type of coverage that is included in the policy and any additional coverage that may be needed for specific activities.

Having detailed financial coverage for medical expenses and any losses incurred during the trip is also a good idea.

It is also wise to read through the policy carefully, preserve it safely, and take special care to note critical details such as who is covered under the insurance plan and what activities are not protected . Additionally, bear in mind any exclusions, as they can play an important part when considering whether or not particular areas of coverage are suitable.

When buying winter sports travel insurance, make sure to keep an eye out for all added costs and estimated total premiums for full coverage.

You should also ask about discounts for multiple people traveling on one policy or longer stays in order to get a better deal on overall costs.

Finally, check the details of cancellations or non-refundable items when looking through potential policies to ensure you will be covered if something unexpected comes up during your travels.

Common Exclusions in Winter Sports Travel Insurance

Most winter sports travel insurance policies will have their own exclusions, limitations, and conditions that state what the policy does not cover. 

Winter sports traveler should read their policy very carefully to familiarize themselves with these exclusions, as they will often differ from one situation to the next.

Generally speaking, standard exclusions include the following:

• Damage caused by intentional acts or illegal activities of the insured person.
• Damage caused by drug or alcohol consumption.
• Injuries due to participation in Motorsport or Motorsports related activities (including Skidoo and snowmobile).
• Accidents resulting from air travel or air-related activities (including ski jumping & paragliding).
• Unstable snow conditions (e.g., avalanches & chunks of ice falling off cliffs).
• Poverty or deprivation of basic necessities.
• Treatment for already existing injury or illness that is not complimentary with any other coverage you may have.
• Outdoor/extreme sports such as mountaineering, rock climbing, and caving.
• Loss of passports, visas, and documents.
• Expenses incurred due to trip cancellations in advance of the policy commencement date.

How to Make a Claim on Winter Sports Travel Insurance?

Claims on winter sports travel insurance can be complicated, but it is important to understand how the process works before you purchase any policy.

Suppose something should happen while you are away, such as a sudden illness or injury, theft, equipment damage, or even a missed flight connection. In that case, the right winter sports travel insurance policy could help protect you against potentially significant losses.

When it comes time to make a claim on your policy, here are the steps to follow.

1. Contact your insurer urgently in case of an emergency resulting in urgent medical care or the potential loss of your personal possessions.

2. Get a police report if required and make sure that all relevant information is documented correctly when escalating your claim.

3. Collect all necessary evidence and documents, such as receipts that evidence either what you have spent or prove the value of items lost or damaged during travel-related incidents.

4. Submit forms accurately and with all required evidence before the stated deadline for claims under your chosen policy terms and conditions.

5. Have patience, as insurers may require additional information from you, dependent upon the nature of any given claim submitted under your policy terms and conditions.

6. Check with customer services to ensure that everything is progressing correctly. Before an insurer agrees to pay for something, they first need to check that it’s covered by the policy. This means looking at the limits that were set when the policy was agreed upon. If something isn’t covered, then the insurer won’t pay out.

It’s important to remember that both the payer and the provider need to have a clear understanding of what is and isn’t covered by the policy. If there is any confusion, then it’s best to get clarification before proceeding.

7. Finally, It’s important to keep detailed records of all correspondence with insurers in case you need to refer back to them at a later date. This will help you understand the cause of any problems and ensure that you get the full value to which you are entitled. Make sure that you follow all the requirements set out by the insurer so that there can be no confusion or misunderstanding about what is expected from you.

Tips for Making the Most of Your Winter Sports Travel Insurance

Winter sports have become increasingly popular worldwide, which means it’s more important than ever to ensure you have the best winter sports travel insurance in place before hitting the slopes.

Having travel insurance can provide invaluable protection when things don’t go according to plan and can save you a lot of hassle, wasted time, and unexpected costs.

When considering winter sports travel insurance, there are several tips to keep in mind that can help you make sure that you’re adequately covered:

1. Choose an insurance policy with a good range of coverage – Look into features such as medical evacuation coverage, delay and cancellation cover, and rental car damage coverage.

2. Look for policies that offer extra skiing and snowboarding features – Skiing or snowboarding with specialized equipment? Check that your policy provides cover for ski poles or snowboarding helmets should they break during your travels. Some policies may even reimburse you for costs should you break ski rental equipment while on holiday.

3. Consider buying several days more of coverage than your holiday length – The extra cost is usually negligible compared to other elements of your trip, but it often covers lost luggage and health care bills until your flight home arrives if anything unexpected happens during your trip (or shortly before).

4. Ask about group discounts – Many insurers will offer discounted rates if purchasing winter sports travel insurance as a group – worth checking out as additional savings!

5. Inquire about refunds or partial refunds – When pre-booking activities like ski lessons or lift passes, having pre-trip cancellation cover might be worth considering in case plans change (or activities need to be canceled due to inclement weather).

Summary of Winter Sports Travel Insurance

Winter sports travel insurance is an important consideration when planning a trip to any mountain or ski resort. Winter activities can be a source of excitement and adventure, but they also come with inherent risks that can potentially result in severe injury or financial loss.

Winter sports travel insurance offers protection in case of an accident or the suspension of your holiday due to unforeseen circumstances.

It typically covers medical care and related expenses, as well as personal liability and rescue costs associated with winter sports activities at a destination outside your home country.

This coverage may include skiing, snowboarding, ice skating, sledding, snowmobiling, and other related activities.

In some cases, additional forms of coverage can be included, such as coverage for lost/delayed baggage, missed flights/connections, and cancellations. 

Additional coverage for rental gear or gear depreciation may also be available. Comprehensive winter sports travel insurance should provide enough protection to ensure you return home safely from your winter vacation.

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Frequently Asked Questions

What types of winter sports can travel insurance cover.

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

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

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

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

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

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

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

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

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

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

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

Find the Plan That Fits Your Trip Best

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

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

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

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

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

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

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

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

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

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.*

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Winter Sports Travel: Are You Covered?

Winter sports insurance and more.

Yet wintertime sports are also famous as a shortcut to injuries. What’s more, those injuries may not be covered by your standard health insurance if they take place out of state or in a different country. And what if your ski trip or resort visit doesn’t go as you planned – if there are delays, lost luggage, or even snowless slopes?  A travel plan with winter sports insurance can cover all of these with support or compensation.

Enjoy Snow Sports? You Need Winter Sports Travel Insurance

Why are injuries from winter sports not covered by standard health or travel insurance? Winter sports are considered adventure activities — riskier than usual tourism or day-to-day work. It’s true that people are more likely to get injured skiing down a mountain than they are at an amusement park. That’s why adventurous travelers can get winter sports insurance that keeps up with them. Look for the terms adventure sports, extreme, or sports rider to find travel insurance for winter sports. Specific travel insurance for snowboarding or skiing is available with sport-specific benefits.

World Nomads Adventure Activities Travel Insurance

• Coverage for 150+ adventure activities
• 24/7 emergency assistance
• Baggage and gear cover

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

What to Look for In Winter Sports Travel Insurance

Not all snow sports travel insurance plans are alike. Check that all the winter sports you and your family want to try at your destination are covered. Skiing and snowboarding are the classics, and you may focus on ski trip insurance. But snowy resorts have many more offerings: snow shoeing, snow tubing, ice skating, tobogganing and sledding, snowmobiling, and zip-lining. For example, ski travel insurance may not cover zip-lining. Yet many people who wouldn’t ski will try zip-lining when they see it at a winter resort.

Check the standards of coverage, too. You want good emergency care and relocation support for winter sports insurance. Resorts have excellent first aid staff, but their responsibilities are tightly limited. If you’re hitting the slopes in a different country, get medical travel insurance with repatriation coverage, to send you home safe if you’re badly hurt.

Is Everyone In Your Group Covered?

For the best winter sports travel insurance, get coverage for everyone on your trip — your entire group or family. One person may say they’re not going to ski or snowboard. But standing beside the slopes or an ice rink, seeing everyone else join in the fun, they may change their mind. They’re often the least experienced, and the most likely to be injured as they try winter sports as a beginner. So get coverage for everyone, just in case.

Also read: Group Travel Insurance

Travel Insurance for When You Go Skiing or Snowboarding

Out of the top ten winter sports in the U.S., skiing and snowboarding accounts for half of them, including alpine skiing, cross-country skiing, freestyle skiing, and ski jumping. The exhilaration of skiing and boarding is balanced out by their risks. The powder snow can hide “death cookies” (chunks of ice) and slicks of frozen slush. You may slide by others’ wipe-outs, or you may skid into a fall yourself. That’s why you want ski travel insurance or snowboarding travel insurance.

Should You Buy Travel Insurance for a Ski Trip?

Dedicated skiers often take long trips to make the most of powder snow around the world. You may go to Canada or Europe for an extended stay or as a digital nomad during ski season. Or you may be a ski professional, following winter from the frozen North in February to the Southern Hemisphere for July and August. The best ski travel insurance will cover you wherever you roam.

For an extended stay in many countries, like Canada, you must provide proof of your health insurance for the full time of your stay. When winter sports are part of that stay, you should ensure that you’re covered for them, too, or you could be in for serious hospital bills and debts. Annual travel insurance with winter sports coverage is an option for prolonged trips.

Understanding Small Print and Big Risks

Reading the fine print is important for any insurance policy. Insurance for skiing and snowboarding is no exception. You don’t want to miss out on important coverage because you didn’t read the fine print or properly disclose all activities. Among the things you’ll want to look into are:

• Does your insurance cover refunds for specialty lessons should you fall ill and need to withdraw? This may be covered under trip cancellation, as unused equipment or passes, or as lost recreation days.
• Does your policy cover additional winter sports and activities beyond skiing and snowboarding? Check your policy’s full list of covered activities.
• What are your options if you plan on taking part in helicopter tours, snowcat skiing, or other off-piste activities? You may need additional extreme sports coverage.

Our licensed brokers can help you find the best travel insurance for skiing, snowboarding, and more snow sports. You can get single trip winter sports insurance, ski travel insurance for a full season, or long-term travel insurance with winter sports cover. We’re here to answer your questions, so contact us any time.

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Lift Passes Have Their Own Fine Print

Fine print isn’t just on insurance documents. You’ll also find it on your lift pass, resort membership agreement, and other important documents. And, depending on what it says, you may need more or less insurance than you expected. For instance, some lift passes automatically include mountain rescue coverage. In some cases, this assistance extends to off-piste activities so long as they’re within the resort boundaries. But you won’t know unless you ask!

Resorts and lift passes may include some coverage – or they may sell coverage on-site. For example, in Europe, especially in France, you’ll likely be asked if you want Carre Neige coverage. It provides emergency coverage for hospitalization, rescue, and more. It has widespread recognition but it’s not essential.Think of it as being sold car insurance when you pick up a rental car. It can offer you extra protection and peace of mind but it isn’t necessary if you already have a comprehensive insurance policy. Know your policies before you hit the slopes so you won’t be hit by last-minute panic.

Is It Worth Getting Travel Disruption Cover?

When you’re traveling for winter sports, you want travel disruption cover. What if you need to stay longer while you’re having an injury treated? You’ll have travel costs as well as hospital costs, to change tickets and extend lodging. If this happens while you’re in another country, changes can get expensive fast. So get travel insurance too, and ensure that it has coverage for delays, booking changes, and lodging.

Does Travel Insurance Cover Snow?

If your travel insurance has storm disruption coverage, you’ll be protected from travel problems caused by too much snow. That includes travel delays and cancellations. If you’ve added winter sport insurance, you can have coverage for lost equipment rental fees, too.

What if you plan a ski trip and it turns out that there’s not enough snow for good skiing at your destination? Surprise – that too may be covered, based on the state or country. Winter sport travel insurance may compensate you for lost recreational days or lost skier days. That means if there’s not enough snow for you to do the winter sports you planned on, you can claim a benefit. Plus, you’ll still be covered for snowless adventures like hiking, climbing, white-water rafting, and zip-lining.

Insure Your Winter Sports Gear Too

When you love winter sports enough to travel for them, you’ve probably invested in your favorite winter sports gear. Ski boots range from $200 to $800 per pair. High-end winter sports clothing can cost thousands of dollars per outfit. And this gear is all bulky enough that you’ll be checking luggage if you’re flying. You may even be picking your luggage up after a flight from two different areas, for standard and oversized pieces. These changes and variations increase the chance that you or the airline will lose track of your sports luggage.

Once again, it’s time for some research. When it comes to gear coverage, you want to make sure there are no exclusions that will affect you. Is your gear covered if it is stolen from your hotel or the lodge restaurant? What if it’s damaged in transit by the airlines or by the hotel shuttle company? Will your insurance company cover the cost of rentals in the event that your gear is stolen or damaged? When considering how much protection to purchase, don’t forget to consider the cost of accessories and customizations and non-athletic items you always travel with such as high-end cameras.

Have Fun Safely with Winter Sports Travel Insurance

When you’re hitting the slopes, travel insurance with winter sports cover is essential. You’re investing in a unique adventure in a fresh location. Protect yourself, your travel, and your companions just in case things get gnarly, in the snow or at the airport.

Related Articles:

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Our Sports Travel Insurance policy options

Put simply, we offer two different policy options…

1. Sports Travel Insurance

Our Sports Travel Insurance can cover you for taking part in over 500 sports whilst abroad, whether that be for leisure or competition. The policy includes cover for medical and repatriation costs, trip cancellation and curtailment, and much more.

2. Sports Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank, but it does not include cover for your sports or activity, we can provide a bolt-on style of protection under our Activity TopUp policy.

Making claims clearer

AVERAGE PAY OUT 

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OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

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Why choose us for your Sports Travel Insurance

30 years experience.

We have been providing tailored travel insurance policies for sport 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 sports insurance 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.

We will consider all pre-existing medical conditions. Simply submit your condition during our online quote form.

What does Sports holiday Insurance cover?

Travel insurance with sports cover differs from most basic travel policies as it will also protect you whilst participating in a large range of sports abroad. This includes extreme sports, competitions and training camps, which in most cases would not be covered under many other standard travel insurance policies.

It works just like any other travel insurance, meaning that it will protect you should you have an accident or illness abroad, lose your luggage or experience delays. It will even reimburse the cost of your lost, stolen or damaged sports equipment. 

What’s covered with sports travel insurance?

From covering medical expenses to protecting your sports equipment should it get stolen whilst you’re on holiday, our Sports Travel Insurance provides comprehensive cover.

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

What's race & events cover?

Our policy will cover you for participating in competitions, races and events unless otherwise stated.

We will cover your medical costs should you get injured whilst taking part in the event, race or competition.

If you choose to take out our Sports Travel Insurance policy, you will also be covered against the loss of pre-paid race entry fees following an accident, injury or illness that prevents you from starting the race, event or competition.

What’s sports equipment cover?

We can cover your sports equipment during your trip or any equipment which you’ve hired on your holiday.

Our policy provides bronze, silver of gold cover levels, which correspond to the value of your sports equipment as well as other benefits.

Request a quote to find out more details about the level of sports equipment cover.

Frequently Asked Questions

If you fall ill with COVID-19 during your trip and require emergency medical expenses care and/or repatriation to the UK, this would be covered under the policy, as long as the FCDO are not advising against all but essential travel, or against all travel to the country or area which you are visiting.

We will also cover you if you have to cancel or curtail your trip due to falling ill with COVID-19 due to you being too ill to travel, or if travelling meant that you would be contravening airline restrictions, or would be breaching entry restrictions in the country to which you were planning to travel.

You would also be covered under the Activity and Race Entry Fees section of the cover if you are unable to participate in an activity that has been paid for in advance due to contracting COVID-19.

You can purchase our Sports 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.

Our highly experienced claims team can be contacted Mon – Fri, 9am – 5pm. Visit our  Claims page  to find out more information about how to make a claim.

No, we only insure amateurs or semi-professionals. We define a professional as someone earning more than £5,000 per year from their sport, doing their sport as a full-time occupation: paid or unpaid, or on a sports scholarship. If in doubt, please email or call us to discuss.

Yes, we provide cover for your sports equipment. 

We’ll cover your sports equipment or that which is hired to you during your trip. We’ll pay for:

• The cost of hiring replacement equipment; or
• The intrinsic value of the lost or damaged sports equipment; or
• The cost of repair of your sports equipment

It is important because if you have an accident aboard and need medical assistance, you could be forced to pay a lot of money to receive treatment or be repatriated back to the UK. A comprehensive sports travel insurance policy will cover these costs up to the policy limit. 

You may also experience flight delays or cancellation of your trip which results in costing you money. These too will be covered under our Sports Travel Insurance policy. 

Yes, we cover a wide range of winter sports including skiing, snowboarding, off-piste, dog sledding, snowshoeing, ski touring, cross country skiing and more. Find out more details about our Winter Sports Insurance policy.

We can cover multiple extreme sports that are often not covered on other travel insurance policies. Skydiving, Kitesurfing, Canyoning, Off-Piste skiing, Downhill mountain biking are examples of sports we can cover as part of our Sports Travel Policy.

You can also choose our Activity Top-Up cover, for those who already have basic travel insurance but need a specialist activity covered in the short term.

Our sports travel policy covers over 500 sports, including:

Mountain Biking

Hiking & Trekking

Skiing & Snowboarding

Rock climbing

Scuba Diving

Request a quote in minutes to find out what other sports we can cover.

Our Sports Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost. However occasionally, special terms may apply following a claim for a medical condition for subsequent claims. Please check policy documentation for further information, which you’ll find with your quote.

You would need to contact our emergency assistance providers (International Medical Group) who would make arrangements on your behalf. Please note we are unable to cover you whilst participating in any Activity in territories not mapped on the maps issued by the nearest local authority or more than one-hundred and fifty (150) kilometres from the nearest habitation.

Yes, please see policy documentation for full details.

Not online but sometimes this is possible if you call us, depending on circumstances.

Yes, for example Mountaineering (with ropes or guides); Mountain climbing (with ropes or guides); Ice climbing exclude participation in activities where the altitude exceeds four thousand (4,000) metres above sea level whilst undertaken in any territory detailed within Geographical Zone(s) 2 & 3.

Please refer to policy documentation for full details.

Get an instant quote and buy  online now!

* 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. 

Adventure & Sports Travel Insurance

Best travel insurance for extreme sports.

Some single trip policies can cover adventurous activities that are often excluded, such as skydiving, bungee jumping, and mountain climbing. Typically, these policies also have coverage for more common activities like hiking and snorkeling.

Select policies provide benefits for sports equipment and fees, including coverage for lost or damaged equipment , and for the cost of renting new equipment if yours is delayed . The Sports Fees benefit can reimburse sports-related trip payments.

The cost of treating injuries while competing in amateur sports can be covered by some travel insurance policies. This can include coverage for injuries sustained during competitive, organized, collegiate, or scholastic sports and activities.

Water Sports

Snorkeling, fishing, and other popular activities can be covered.

Many travel insurance policies have coverage specifically for active travelers who plan to participate in water sports . These policies can include coverage for many popular cruise excursions and water activities, such as jet skiing, snorkeling, deep sea fishing, and tubing, among others. Some travel insurance policies can also cover travelers who participate in more adventurous water activities, including scuba diving, windsurfing, water skiing, and speed sailing.

Snow and Winter Sports

Coverage from snowshoeing to heli skiing.

Winter sports are often covered by travel insurance policies, including snowboarding, skiing, tubing, and snowmobiling. More adventurous sports, such as heli skiing or heli boarding, luging, and ice windsurfing, can also be covered by some policies. Certain policies are built specifically to cover travelers who want to participate in these types of extreme sports.

Air Activities

Coverage for extreme air sports, like skydiving, may be available.

Hang gliding, zip lining, or bungee jumping can be covered by some travel insurance policies. The policies that can cover these air activities may also have more comprehensive coverage for other high-flying activities. These policies can include coverage for skydiving, parachuting, piloting an aircraft, and hot air ballooning, among others.

Travel Insurance for Adventure and Sports

Land-based Activities

Mountaineering and trekking are among the covered land activities.

Travel insurance can cover many adventurous land-based activities . Mountain climbing, cave diving and riding motorcycles are among the most hazardous land-based activities that can be covered under travel insurance policies. More common land-based activities, such as hiking, cycling, go-karting, and trekking, are also covered by many policies.

Amateur Sports & Competitions

Some policies cover recreational and organized sports.

Travel insurance can cover an injury that occurs while participating in a sport. Many policies cover recreational sports and activities, and some can cover organized sports at the scholastic, collegiate, or other amateur levels. Select policies can cover professional sports.

Travel insurance coverage for sports can include popular contact sports, such as football, rugby, and hockey, as well as other sports like basketball, baseball, and golf. This also includes participating in sports or activities in a camp setting.

Have Questions?

Search extreme sports travel insurance quotes.

Search for sports and activities you will be participating in during your trip, then select "Continue to Trip Information" to complete your quote.

• Water scuba diving, kayaking, diving, rafting and more. Bamboo Rafting Banana Boating Black Water Rafting (Grades 1-3) Bodyboarding Breathing Observation Bubble (BOB) Canoe Trekking Canoeing - White Water (up to Grade 3) Canoeing - White Water (up to Grade 4) Canoeing - White Water (up to Grade 5) Canoeing (excluding white water) Cliff Jumping Coasteering (ad hoc) Coasteering (with a guide) Deep Sea Fishing Dinghy Sailing Diving Diving (high diving or spring board) Dragon Boating Fishing Free Diving Gorge Walking (no ropes) High Diving HobieCat Sailing (inshore) Hydrospeeding (White Water Grade 3) Hydrospeeding (White Water Grade 4) Ice Diving Ice Windsurfing Jet Boating Jet Skiing Kayaking Kayaking (excluding White Water) Kayaking (White Water - up to Grade 3) Kayaking (White Water - up to Grade 4) Kayaking (White Water - up to Grade 5) Kite Boarding Kite Surfing Kloofing Mixed Gas Scuba Diving (you must be qualified) Modern Pentathlon Octopush Parasailing Parasailing (over water) Rafting River Bugging River Tubing Rowing Sailing Sailing/Yachting Inshore (racing) Sailing/Yachting Inshore (recreational) Sailing/Yachting Offshore (Deep Ocean: beyond 30 miles from the shore) Sailing/Yachting Offshore (Racing: within 30 miles of the coastline) Sailing/Yachting Offshore (Recreational: within 30 miles of the coastline) Scuba Diving Scuba Diving - Mixed Gas (must be qualified) Scuba Diving (accompanied by a dive master) Scuba Diving (Must be PADI or equivalent qualified) Scuba diving to 100 ft (if accompanied by a dive master) Scuba Diving to 10m (if SSI, PADI or NAUI certified) Scuba Diving to 120 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 130 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 20m (if accompanied by a dive master) Scuba Diving to 20m (if SSI, PADI or NAUI certified) Scuba Diving to 30 ft (if accompanied by a dive master) Scuba Diving to 30m Scuba Diving to 50m (Must be PADI or equivalent qualified) Sea Kayaking Shark Diving (in cage) Shark Diving to Swim With & Feed Sharks Shark Tagging (volunteer work) Skeleton Snorkeling Speed Sailing Stand Up Paddle Boarding Surfing Swim Trekking Swimming Swimming (Long Distance) Swimming with Dolphins Swimrun (Utö Swimrun or similar) Tombstoning Triathlon Tubing Utö Swimrun Sweden Wakeboarding Water Polo Water Ski Jumping Water Skiing (Amateur) Waterskiing Whalewatching White Water Rafting White Water Rafting (up to Grade 3) White Water Rafting (up to Grade 4 - 6) Windsurfing Windsurfing/Boardsailing
• Winter dog sledding, glacier walking, skiing, snowboarding and more. Airboarding Bobsleighing Cross-Country Skiing/Langlauf Dog Sledding (Racing) Dog Sledding (Recreational) Glacier Walking Husky Dog Sledding Ice Climbing Ice Holing Ice Skating Ice Speedway Ice Windsurfing Luge Marathon (Arctic) Mountain Biking (Mega Avalanche or Similar) Skiing (Back country with a guide) Skiing (Back country without a guide) Skiing (Backcountry in resort) Skiing (Cat Skiing/Boarding) Skiing (Cross Country) Skiing (Free-Style) Skiing (Heli Skiing) Skiing (Moguls) Skiing (Mono) Skiing (Nordic) Skiing (Para) Skiing (Ski Biking) Skiing (Ski Blading) Skiing (Ski Boarding) Skiing (Ski Cross/Snowboard Cross) Skiing (Ski Dooing) Skiing (Ski Flying) Skiing (Ski Jumping) Skiing (Ski Mountaineering) Skiing (Ski Racing (ski school races etc)) Skiing (Ski Racing) Skiing (Ski Randonee) Skiing (Ski Stunting) Skiing (Ski Touring) Skiing (Slopestyle (no inverted aerials)) Skiing (Snowcat) Sledding/Tobogganing Sleigh Riding Sleigh Riding (Reindeer/Horse) Snow Biking Snow Blading Snow Bobbing Snow Go-Carting Snow Mobiling Snow Parascending Snow Scooting Snow Shoeing Snow Skiing (Recreational Downhill) Snow Tubing Snowboarding Snowboarding (Back-country without a Guide) Snowboarding (Backcountry in resort) Snowboarding (Freestyle/Terrain Park (inverted aerials)) Snowboarding (Freestyle/Terrain Park (no inverted aerials)) Snowboarding (Heli-boarding) Snowboarding (Recreational) Snowboarding (Slopestyle) Snowboarding (Snowboard Cross) Snowcat Driving Snowmobling Speed Flying/Riding Speed Skating Telemarking Tubing
• Air zip lining, hang gliding, hot air ballooning and more. Bridge Swinging Bungee Jumping Flying (as a licensed pilot) Flying (as a passenger in a licensed passenger carrying private/small aircraft) Hang Gliding Hang Gliding (Tandem) Hot Air Ballooning Hot Air Ballooning (Piloting) Micro Lighting Operating an Aircraft Parachute Jumping (Static Line) Parachuting Parachuting (Charity with Static Line) Parachuting (Free Fall/Sky Diving) Paragliding Paramotoring Parapenting/Parapointing Parasailing (over water) Power Gliding Sky Jumping Skydiving Skysurfing Speed Flying/Riding Tandem Skydive Wind Tunnel Flying Zip Line Zip Trekking
• Land hiking, camel riding, trekking, safari tours and more. Animal Sanctuary/Refuge Work Assault Courses Assault Courses including High Ropes ATV Quad Bike (Off-roading) Biathlon Big Game Hunting Blade Skating Blowcarting BMX BMX Cycling (no Freestyle) BMX Freestyle BMX Racing Bouldering Buggying Camel/Elephant Riding/Trekking Camping Canyoning Caravanning (Mobile Home/Trailer Camping) Cave Diving Cave Tubing Caving/Spelunking Climbing (Mountaineering up to 4,000m) Coasteering (ad hoc) Coasteering (with a guide) Cross Country Running Cycle Racing / Time Trials Cycle Touring Cycle Touring (multi-country expeditions) Cycling (Road/Recreational) Cyclo-cross Deer Stalking/Hunting Drag Racing Driving (any motorized vehicle) Fell Running Fell Walking Four x Four Off Road Driving Go-Karting Gorge Walking (no ropes) Gorilla Trekking Hiking Hiking (below 4,500 meters) Hill Walking (up to 2,000m) Historical/Battle Reenactment Horse Riding Ironman Jogging Karting (as part of an organized recreational event) Karting (Racing) Kilimanjaro (Trekking ascent) Kloofing Land Sailing/Sand Yachting Land Skiing Land Yachting Low Ropes Marathon (City/Street marathon) Modern Pentathlon Motor Cycling (above 125cc) Motor Cycling (up to 125cc inc hired motor cycle)) Motor Cycling Off Road over 250cc (non-competitive) Motor Cycling Off Road up to 250cc (non-competitive) Motor Paintball Motor Racing/Competitions (all types) Motor Rallies/Competitions (all types) Motorsport/Motor Racing Mountain Biking Mountain Biking (Competitive) Mountain Biking (Downhill) Mountain Biking (Freestyle) Mountain Biking (Mega Avalanche or Similar) Mountain Biking (Recreational not Downhill) Mountain Boarding Mountaineering Mountaineering above 14,000ft Mountaineering up to 4,000m Mountaineering up to 5,000m Off Road Motorcycling (over 250cc) Off Road Motorcycling (up to 250cc) Off-road Car Driving (4x4, dune buggying etc) Orienteering Overland Trips Paintballing Paintballing (Motor Paintball) Pony Trekking Rap Running/Jumping Rappelling/Abseiling Rock Climbing (under 2,000m) Rock Climbing (under 3,000m) Rock Climbing (under 4,000m) Rock Scrambling (under 4,000m) Roller Blading Roller Derby Roller Skating Safari (hunting with guns/bows) Safari (Wildlife/Tourist) Safari Trekking (where guns are carried by safari guides for safety) Sandboarding Scrambling Shooting (Clay Pigeon) Shooting (Target) Slack Lining Small Bore Target Shooting Storm Chasing Summer Tobogganing Trekking Trekking (Everest Base Camp) Trekking (Kilimanjaro Ascent) Trekking (up to 4,000m) Trekking (up to 4,500m) Trekking above 7,000m Triathlon Via Ferrata Volcano Climbing Zip Line Zip Trekking Zorbing
• Sport archery, basketball, soccer and more. Aerobics Amateur Athletic Field Event Amateur Athletic Track Events American Football American Football (No Division 1) Angling Archery Badminton Ball Hockey Ballet Baseball Basketball Billiards Bowling Bowls Boxing Boxing (Training) Cheerleading Climbing (indoor) Cricket Croquet Cross Country Running Curling Cycle Racing/Time Trials Dancing Dodgeball Endurance Tests Equestrian Eventing (Equestrian) Falconry Fell Running Fell Walking Fencing Field Hockey Fishing Fives Flag Football Frisbee Gaelic Football Golf Gymnastics Gymnastics (floor) Gymnastics (involving somersaults etc) Handball Highland Games (athletic events competing) Highland Games (heavyweight events competing) Horse Jumping (Show Jumping) Horse Riding Horse Riding (Dressage) Horse Riding (Eventing) Hunting Hurling Ice Hockey Ice Skating Ice Speedway Ironman Jiu Jitsu Jiu Jitsu (Brazilian) Jogging Judo Karate Karting (as part of an organized recreational event) Karting (Racing) Keep Fit Kendo Kick Boxing/Thai Boxing Kiting (flying kites) Korfball Krav Maga Lacrosse Marathon (Arctic) Marathon (City/Street marathon) Martial Arts Model Flying Modern Pentathlon Netball Paintballing Paintballing (Motor Paintball) Petanque Pigeon Racing Polo (Equestrian) Polocrosse Pool Power Lifting Quoits Rackets/Raquetball Rifle Range Ringos Roller Blading Roller Derby Roller Hockey Rounders Rowing Rugby Rugby League Rugby Training (Full Contact) Rugby Training (Not Full Contact) Rugby Union Running (City/Street Marathon) Running (keep fit) Shinty Show Jumping Skateboarding Skateboarding Freestyle Skateboarding/Downhill/Competitive Skeleton Snooker Soccer (Football) Softball Speed Trials/Time Trials Squash Squash/Rackets Table Tennis Tae Kwon Do (Competing) Ten Pin Bowling Tennis Time Trials (Cycling) Touch Rugby Tough Mudder Tough Mudder (World's Toughest) Track Track Days (E.G. Nurburgring) Car Or M/Bike Trampolining (involving somersaults) Trampolining (Recreational) Trans Savoie Big Alpine Enduro Triathlon Tug-of-War Ultra marathon (Marathon des Sables, Jungle Marathon, Arctic Marathon, UTMB etc) Volleyball War Games/Paintballing Weightlifting Wrestling Yoga

Please select if you will be participating in amateur or professional events or competitions:

Your quote results will show policies that include coverage for the activities you have chosen, however, we cannot guarantee adequate coverage for your particular trip.

Please either call us or review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

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Ice Skating Travel Insurance

If you plan a trip and will be Ice Skating, you must take out a Travel Insurance policy before leaving your home. To contact us by telephone or email, 0800 043 0020 / 01273 092 757 [email protected] Summary of Cover Ice Skating (Amateur…

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If you plan a trip and will be Ice Skating , you must take out a Travel Insurance policy before leaving your home.

To contact us by telephone or email,  0800 043 0020 / 01273 092 757 [email protected]

• Summary of Cover

Ice Skating (Amateur Competition)

• Common Whilst Ice Skating

Pre-Existing Medical Conditions

Useful websites, summary of cover (per person).

* Excess  payables vary depending on the claim benefit.

Please read the  Policy Wording  for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

If you are participating in an Ice Skating (Amateur Competition) and coverage during your trip, we can provide coverage through one of our providers, Adventures .

If you want a policy for a child under 18, select Independent Child during the quote process.

GET A QUOTE

Common Injuries whilst Ice Skating

If you damage your nerves while Ice Skating, it is essential to rest for a couple of days and keep the injured limb elevated.

Apply ice, as this will ease pain and reduce swelling. After a few days, heat pads can encourage blood flow back to the injured area.

If you are considering Ice Skating for the first time, ensure you receive help and instruction from someone experienced or, ideally, a Professional Instructor.

If you have been Ice Skating before and may have had an injury or accident while participating in Ice Skating, you must declare this when purchasing a policy.

We have several providers who can offer travel insurance, including Ice Skating and if you have a pre-existing medical condition.

Ice Skating Facts

Ice Skating Tips

Related Pages

• Speed Skating (Competition) Travel Insurance | JS Insurance

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JS Travel Insurance is the trading name of Jade Stanley Limited, 5 Chapel Mews, Waterloo Street,Hove, East Sussex, BN3 1AR, Telephone: 0800 043 0020 . Jade Stanley Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number is 306205

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Winter Sports Cover

Travel insurance for skiing and winter sports.

If you’re planning a winter adventure skiing in the French Alps or going snowmobiling under the Northern lights, then you will need to find Winter Sports Travel Insurance. You can do this by adding the “Winter Sports” extension to your Travel Insurance policy.

This can be added to any Travel Insurance policy taken out with Just Travel Cover including winter sports single and annual trips. The Winter Sports cover protects  you for many Winter Sports including popular activities such as skiing, sledging, snowboarding and snowmobiling.

Travel Insurance with Winter Sports Cover Explained

All Travel Insurance policies at Just Travel Cover come with Covid-19 cover as standard. This is the same for Travel Insurance including winter sports. Covid-19 cover offers your protection against cancellation if you contract Covid-19 before your holiday and cannot travel as well as emergency medical expenses if you contract Covid-19 whilst abroad.

Considering Age when finding Travel Insurance with Winter Sports Cover

Winter Sports Travel Insurance for Over 65s

Whilst we do offer no age limit across our Travel Insurance policies, when selecting Winter Sports Travel Insurance cover extension, there is a maximum age limit of 75. Cover varies by insurer and some Travel Insurance, including winter sports cover, contain exclusions. Always check the policy wording for your chosen insurer or call us on 0800 294 2969 for any further advice.

Is Winter Sports Extension Worth It?

Yes, Winter Sport Travel Insurance is there to protect you against the unexpected when going on a winter sporting holiday. Like any sport, a degree of risk is involved and this is the case with winter sports, including skiing, sledging, snowboarding and snowmobiling. Accidents can happen anytime, anywhere and does not discriminate against your level of ability. Medical care abroad can be extremely expensive, depending on where you are. For example, a skiing injury such as a sprained wrist will cost you more on the slopes in America than in Europe due to the higher costs of medical care. This is why finding Travel Insurance, including winter sports cover is critical to giving you peace of mind while away.

Due to the nature of the sports undertaken with a Winter Sports extension policy, it is crucial that you have adequate personal liability cover. Personal liability cover won’t just cover you for accidentally colliding with someone (sledge or ski) but for any damage to property that may have occurred. Always check your policy wording for your chosen insurer as cover varies by insurer and some policies contain exclusions. If you require any further assistance with personal liability for Winter Sports you can speak to a member of our dedicated team on 0800 954 2969.

Other Benefits of Travel Insurance including Winter Sports

Not only do you get the same benefits as a standard Travel Insurance policy you will also get the following benefits with the Winter Sports Travel Insurance extension cove r:

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