Every year, around 600,000 injuries happen on ski and snowboard trails. When you head out on a ski vacation, theres always a chance of getting hurt. Without the right medical insurance, you could end up paying for expensive medical bills out of pocket, which can completely ruin your trip budget.
Travel medical insurance usually covers things like trip cancellations and general medical expenses, but it often excludes high-risk activities like skiing and snowboarding.
Thats why adding Ski Travel Insurance is so important for ski trips. This type of insurance is specifically designed for snow sports, including skiing and snowboarding. It can also cover your ski equipment if it gets lost or stolen. Most importantly, it provides medical coverage if you get injured or sick while hitting the slopes.
Before buying ski travel insurance, here are a few things to keep in mind:
- Coverage for skiing and snowboarding varies a lot between insurers, especially when it comes to off-piste skiing. Be sure to check the Product Disclosure Statement (PDS) to confirm the policy fits your plans.
- Think about what kind of coverage youll need. Do you want protection for emergency medical evacuations, trip interruptions, or lost equipment? Knowing what you need will help you pick the right insurance for your ski trip.
With the right ski insurance, you can enjoy your vacation without worrying about unexpected costs or risks.
What Is The Best Ski Travel Insurance?
Looking for the best ski travel insurance? Weve got you covered! Heres a ranked and reviewed list of the top options:
1) Best Overall Ski Travel Insurance World Nomads
World Nomads is perfect for travelers, offering peace of mind even if you forgot to buy insurance before your trip. Their ski insurance is among the best, with comprehensive medical coverage for emergencies during your ski vacation.
Travelon World Travel Essentials Set of 2 Currency and Passport Organizers
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Whats Covered?
- Skiing (dry slopes, on-piste, off-piste within resort boundaries)
- Terrain park skiing (no acrobatics)
- Cross-country skiing on marked trails
- Backcountry skiing (with a professional guide)
- Heli-skiing and snowcat skiing
- Ski instructor/guide activities
Guide Requirement:
For backcountry skiing, you must ski with a licensed and qualified professional guide.
2) Best Budget Ski Insurance Tick Travel Insurance
Looking for affordable coverage? Tick Travel Insurance offers reliable options for winter sports without breaking the bank. With 24/7 assistance, theyre a great choice for budget-conscious skiers.
Whats Covered?
- Recreational skiing/snowboarding
- Cross-country skiing
- Glacier and heli-skiing
- Off-piste skiing (only with a professional guide)
- Recreational ski racing (non-competitive)
Guide Requirement:
For backcountry skiing, youll need a certified ski guide with strict qualifications, ensuring your safety.
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3) Best Backcountry Ski Insurance Insure4Less
If backcountry skiing is your thing, Insure4Less offers excellent coverage. Theyre known for fewer restrictions, but youll need to contact them directly for details.
Whats Covered?
- Backcountry skiing/snowboarding*
- On-piste and off-piste skiing
- Snowblading, glacier skiing, and snowcat tours
- Ski touring and randonn