Travel insurance for skiing and snow sports
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Protect your snow trip with ski travel insurance cover
It doesn’t matter if you’re a snowboarder or a skier, you’ll know nothing compares to the feeling of conquering the slopes. But crashing out on the mountain and injuring yourself? That’s enough to ruin the joy of a perfect run – even more so when the mishap comes with a tremendous medical bill.
At Cover-More, we offer snow travel insurance cover to help protect your winter holiday. Our Snow Sports Cover can be added to any of our travel insurance plans for an additional premium to help keep you safe on the mountains should the unexpected occur.
Want more information on snow activities and trips? Check out our Winter Sports FAQs.
Or, if you’re ready to buy, you can get a quote online now.
Skip to read:
- What is ski insurance?
- Why should I buy ski insurance cover to protect my trip?
- What does Cover-More's snow travel insurance cover include?
- Does Cover-More offer varying levels of snow sports cover?
- Does Cover-More travel insurance cover snow injuries?
- Does Cover-More travel insurance protect my ski and snowboard equipment?
- Why should I consider Cover-More travel insurance to protect my snow trip?
What is ski insurance?
Whether you’re planning a ski trip to Japan, a snowboarding adventure in Australia, or some snowmobiling fun in Canada, snow travel insurance cover helps provide you with coverage for winter sports activities you want to undertake on your snow trip.
Because being at the snow and participating in winter sports activities often increases the risk of injuries or incidents, you’ll need to ensure you upgrade or amend your travel insurance policy to include snow activities like skiing and snowboarding for cover to be provided for those activities.
Depending on the travel insurance company, it might be called ski insurance, ski travel insurance, or travel insurance for snow sports – but no matter what the name, you should consider insurance to help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance.
Why should I buy ski insurance cover for my trip?
When you’re on the slopes overseas, even a minor accident can completely ruin your holiday and leave you with high medical costs. Thanks to the rugged terrain and often isolated locations of ski fields around the world, it's an extremely costly exercise to airlift someone off the slopes and take them to the nearest hospital for medical assistance.
So, if you’re not prepared to pay outrageous sums of money for any unexpected medical assistance cost, consider ski travel insurance cover for your upcoming snow trip.
Snow-related injuries don’t just happen to beginners, either. All skill levels should consider our ski insurance cover – called Snow Sports Cover – before they hit the slopes.
Travel insurance cover for snow sports is important to consider having whether you’re skiing in Chile, taking advantage of a ski package at a resort in Switzerland, or headed to Queenstown for a long weekend break. Get a quote online now.
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What does Cover-More's snow travel insurance cover include?
If you’re a snow sports enthusiast, you’ll be delighted to know we have a number of ski insurance cover options, whether you’re enrolling in your first ever ski school, dusting off your trusted snowboard, or heading off-piste with a guide.
To get snow travel insurance cover with us, simply choose the travel insurance plan that suits you, and then add our Snow Sports Cover to your policy before you purchase. The types of plans we offer include:
- International: perfect for an overseas ski holiday. Choose from a Comprehensive+, Comprehensive or Basic plan, depending on the level of coverage you want for your entire overseas trip.
- Domestic: great for protecting your winter escape to New Zealand's ski resorts. Choose from a Comprehensive+, Comprehensive or Basic plan, depending on the level of coverage you want and your budget.
- Inbound plan: only available to non-New Zealand residents travelling to New Zealand who need snow travel insurance cover because they’re visiting a snow field on their trip.
For more details on each plan, you can compare our travel insurance plans here.
To obtain cover for snow skiing, snowboarding, and snowmobiling while travelling, we have two options available for you to include in your policy:
- Snow Sports
- Snow Sports+
You must pay an additional premium for either level of snow travel insurance cover when including it in any of our Cover-More plans.
Please note: if you do not have Snow Sports Cover included in your policy, any claims for expenses arising from injuries or accidents that happen when participating in snow sports are not covered.
Want more details on the two levels of Snow Sports Cover we offer? Read on to find out.
Does Cover-More travel insurance offer varying levels of snow sports cover?
Yes, we offer two types of snow travel insurance cover so you can choose the cover that suits you best.
- Snow Sports: this provides cover for on-piste snow skiing, snowboarding, snowmobiling, and cross-country skiing. This cover option is most suitable for travellers spending their time at ski resorts, as off-piste or backcountry skiing is not covered.
- Snow Sports+: this upgrade provides cover for the above activities as well as off-piste snow skiing/boarding and guided heli-skiing/boarding tours. This is suitable for more advanced skiers or those planning more adventurous activities.
It’s important to understand that even if you pay the additional premium for our Snow Sports Cover or Snow Sports+ Cover, you will only have cover provided if you meet the conditions outlined in the Policy Wording. For example, you must not be participating in a professional capacity, must not be racing, must always follow local advice and warnings and more.
Please also make sure you’re familiar with your ski resort’s guidelines and only take on ski runs that are within your ability.
Ready to buy? Get a quote online now.
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Does Cover-More travel insurance cover snow injuries?
We always want to ease the pain in your neck – not cause it.
All our international plans include $unlimited~ overseas medical expenses. If you include our Snow Sports Cover in your international travel insurance policy, we will provide cover for winter sports-related injuries sustained on the snow fields (provided you were complying with the conditions set out in our Policy Wording at the time of the incident).
Our domestic plans include limited cover for medical, hospital, ambulance or dental expenses, as while you’re in New Zealand this is covered by public healthcare and/or your private health insurance. However, if you added Snow Sports Cover or Snow Sports+ Cover to your policy and sustained an injury while participating in a covered winter sporting activity, on domestic plans, there is also cover for other expenses such as additional transport and accommodation expenses.
See our dedicated FAQs for winter sports travel insurance cover to learn more.
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Does Cover-More travel insurance protect my ski and snowboarding equipment?
We understand how valuable snow sports equipment can be, which is why our luggage and travel documents insurance benefit includes cover for these items, with the option to increase the limit for individual items for an additional premium.
The level of cover depends on the travel insurance plan you purchase – you can compare plans here.
Please refer to the Policy Wording for full policy conditions to understand what we can and can’t cover. For example, we cannot cover gear that is stolen while left unattended, or sporting equipment whilst it’s in use.
Our luggage and travel documents cover only applies to personal gear or equipment owned by you. It does not cover ski or snowboard equipment that you have hired.
See our dedicated FAQs for winter sports travel insurance cover to learn more.
Why should I consider Cover-More travel insurance to protect my snow trip?
Thinking about buying our travel insurance with Snow Sports Cover for your next trip to the snow? It’s worth noting we also provide additional benefits, including:
- 24/7 emergency medical and travel assistance
- Fair and efficient handling of all your claims
- A global team of travel experts who put your safety and wellbeing first
If you’d like to speak to our team about these benefits and many more, call us on (0800) 500 225.
Ready to hit the slopes?
Find out how affordable our travel insurance with Snow Sports Cover can be.
~ Cover will not exceed 12 months from onset of the illness, condition, or injury.