Skiing Holidays Travel Insurance

Travel insurance for ski holidays will nearly always cost more then buying travel insurance without ski cover, but it is essential not to try and save money by buying the cheapest ski travel insurance as ski accidents can often lead to expensive claims for medical expenses.

Ski travel insurance is usually sold as an optional extra alongside regular travel insurance. Skiing enthusiasts who buy holiday insurance to cover their ski holiday will benefit from the additional travel insurance for skiing and for their ski equipment or lift passes. Injuries caused to others by careless skiing can lead to expensive compensation claims so it’s important to make sure your ski travel insurance includes cover for personal liability whilst skiing or snowboarding.

Skiing accidents often lead to expensive claims for medical expenses and the cost of search, rescue and recovery from the slopes will also push up the costs. Most ski travel insurance therefore has cover for £5m of emergency medical expenses, which should be more than enough for the majority of ski travel insurance claims.

Travel insurance for off-piste skiing can cause problems. You need to check the cover very carefully as most insurers will insist that you are accompanied off piste by a local guide and that you do not ski against any local or authoritative advice.

Other benefits of winter sports and ski travel insurance include the costs of ski-packs for lessons and hire of equipment if you have to cancel your holiday or are unable to ski due to injury or illness. You should also have cover for closure of the slopes due to avalanche or the lack of snow. With this extra cover you could claim back £20 per day to enable you to go to another resort and the necessary additional cost of a ski pass.