Home / Travel Insurance / Ski Travel Insurance

The Ultimate Winter Sports Cover for your Ski Holiday

ski village

Protect your snow trip with comprehensive travel insurance

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.

Thankfully, at Cover-More we offer both a comprehensive, specialised Winter Sports Travel Insurance Plan and basic optional Winter Sports Cover as part of our Premium, Medical Only or Domestic Plans to give you peace of mind while you’re on the slopes and to help protect you should the unexpected occur.

What you’ll learn:

Want more information on snow activities and trips? Check out our Winter Sports FAQs, as well as our essential guide for ski holidays and the best ski destinations for Aussies.

Looking for travel insurance but won’t be carving up the slopes on your next trip? Check out how we can help protect you with our range of policies, or you can get a free quote and tailor our trip today!

What is winter sports travel insurance?

Whether you’re planning a ski trip to Japan, a snowboarding adventure in New Zealand, or some snowmobiling fun in Canada, it’s important to make sure your travel insurance provides you with coverage for the more adventurous snow sports activities you want to undertake on your 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.

Purchasing a specialised winter sports travel insurance policy can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. (Think: broken bones, fractures, dislocated limbs and torn ligaments.)

When you’ve got cover, you can go ice fishing, ice skating or tobogganing to your heart’s content knowing you’ll be looked after should a disaster strike.

Why should you consider winter sports and ski insurance?

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, we highly recommend considering winter sports travel insurance for your upcoming snow trip.

Snow-related injuries don’t just happen to beginners, either. All skill levels should consider our comprehensive, standalone Winter Sports Travel Insurance Plan or our basic optional Winter Sports Cover before they hit the slopes.


If you happen to unexpectedly injure yourself on the mountain, you may not actually receive medical treatment until you can prove you’re covered by insurance. Some medical services in Japan ask for proof of insurance prior to offering treatment and given how expensive medical assistance can be in the USA, some hospitals in this country will want proof that bills will be paid.

Cover-More customer Clara discovered the importance of insurance when her son was snowboarding on Mammoth Mountain in eastern California. He fell and broke his wrist, resulting in costly American medical expenses.

Clara’s total claim for her son’s broken wrist was more than $2,590, but because she protected her family with winter sports travel insurance, we paid the bill and her family wasn’t left out of pocket.

“Cover-More was efficient and prompt in paying the bills (which are notoriously high in the USA!). I will choose Cover-More again for travel insurance!” - Clara, Cover-More customer

Cover for winter sports is important to have 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 to find out how little it can cost to protect your snow trip or call 1300 72 88 22.

Person staring at snow mountains

What’s included in your winter sports cover options?

If you’re a snow sports enthusiast, you’ll be delighted to know Cover-More offers a comprehensive, specialised Winter Sports Travel Insurance Plan that not only provides automatic cover for a number of ski and snow activities, but also provides cover for benefits you expect from general travel insurance such as delayed luggage, travel delays and personal liability.

Want to know if your favourite snow sport is automatically covered by our standalone Winter Sports Travel Insurance Plan? Check out our PDS for the full list of activities, but a few popular ones include: glacier walking on organised tour using ropes and guides, husky sledging on organised tours, ice fishing, ice skating, in-resort skiing, in-resort snowboarding, snow tubing and tobogganing.

While winter trips are all about enjoying yourself, we also want to help ensure you’re safe on the snow and ice. As a result, we want to discourage you from taking part in any dangerous or risky behaviour while on the slopes. That's why our standalone Winter Sports Travel Insurance Plan’s cover only applies within the resort boundaries both on-piste and off-piste, unless additional coverage is added to your policy. We won’t cover you if:

  • You venture into closed areas;
  • You are participating in a competition or event; or
  • You are jumping and getting air of more than one metre

Please also make sure you’re familiar with your ski resort’s guidelines and only take on ski runs that are within your ability.

At Cover-More, we also offer basic optional Winter Sports Cover as part of our Premium, Medical Only, Inbound, or Domestic Plans. To compare these plans, you can view their benefits.

When you pay the extra premium, our optional Winter Sports Cover covers you for snow skiing, snowboarding and snowmobiling while on your holiday. However, even if you pay the extra premium for snow sports, you will not be covered if:

  • You are skiing or snowboarding off-piste
  • You are racing
  • You are participating in a professional capacity

Ready to get a quote? Get one online now or call 1300 72 88 22 to speak to our friendly team.

Can you customise the Winter Sports Travel Insurance Plan?

If you’re a seasoned pro on the slopes and find yourself wanting cover for more extreme activities, our specialised Winter Sports Travel Insurance Plan allows you to select one of two upgrades: Winter Sports Gold and Winter Sports Platinum.

If you purchase one of these upgrades, you’ll get all the standalone Winter Sports Travel Insurance Plan benefits as standard, plus extra cover on a number of activities for the upgrade you’ve selected.

Love heli-skiing or out-of-resort skiing? Consider adding Winter Sports Gold to your policy. It covers:

  • Cat skiing / boarding*
  • Gate skiing / boarding*
  • Heli skiing / boarding*
  • Ice caving*
  • Out-of-resort skiing*
  • Out-of-resort snowboarding*
  • Out-of-resort snowshoe walking*
  • Snow trekking / cross-country skiing – overnight*
  • Snow trekking / cross-country skiing – one day*

Planning on something more adventurous like kite skiing or snow mountaineering? Consider selecting the Winter Sports Platinum upgrade when purchasing your policy. It covers:

  • Arctic marathon*
  • Gate skiing / boarding*
  • Ice climbing*
  • Ice diving*
  • Ice hockey
  • Ice holing
  • Ice windsurfing*
  • Kite skiing / boarding*
  • Ski / snowboard instructing*
  • Snow parascending*
  • Snow / ski mountaineering*
  • Unguided backcountry skiing*
  • Unguided backcountry snowboarding*

If you’re worried about any tech items such as your phone, laptop or tablet – as well as any ski equipment and other personal items – this policy also allows you to increase the cover for your luggage items.

For more details on the advanced activities included in our Winter Sports Gold and Winter Sports Platinum upgrades, check out our standalone Winter Sports Travel Insurance PDS.

Ready to request a quote? Submit one on this page or call the friendly Cover-More team today on 1300 72 88 22.

Ski equipment

Does your winter sports travel insurance cover injuries?

We always want to ease the pain in your neck – not cause it. That’s why you can confidently purchase our specialised Winter Sports Travel Insurance Plan or add our basic optional Winter Sports Cover onto your International Premium, Medical Only, Inbound, or Domestic Plan, knowing we will provide cover for winter sport-related injuries that you sustain on the slopes overseas.* The coverage amount will vary depending on your policy, so be sure to check your Certificate of Insurance, but our overseas medical and dental cover benefit limits start from $1,000,000 * and go all the way up to an $Unlimited* amount.

Not sure if you need overseas medical coverage? One Cover-More customer needed our help when they suffered a fracture whilst snowboarding in Japan. This person required surgery, and once they were fit to fly, we organised a business class upgrade and non-medical escort to return to Australia. Their claim estimate came to $25,000. Yes, it’s a perfect example of why you should make sure your winter sports holiday is protected!

However, in some ways this customer came out somewhat unscathed… We have also had to cover costly emergency evacuation, ambulance and hospital expenses for other customers and their travel companions, racking up hundreds of thousands of dollars.

See our dedicated FAQs for winter sports travel insurance to learn more.

How can I protect my ski and snowboarding equipment?

When you’re on a snow trip, your luggage contains a number of items you wouldn’t necessarily pack on a regular holiday. We understand this, which is why our specialised Winter Sports Travel Insurance Plan includes cover for ski equipment.

You’ll receive up to $750 per item, set or a pair of items, not exceeding the original purchase price, including attached and unattached accessories, for any personal snow and ski equipment that’s lost, stolen or damaged while on your trip. You can increase this limit for individual items by purchasing our optional Increased Luggage Limit Cover for an additional premium.

To avoid losing your belongings as well as preventing injuries, here are our top tips on how to stay safe on the slopes:

  • Guard your belongings.
    Cover is only provided for your equipment and luggage while they’re in your possession. So, make sure you don’t leave your items unattended, as keeping an eye on your stuff is the best way to prevent it from going missing.
  • Invest in the right equipment.
    Always make sure your equipment is the perfect fit for you. Any discomfort or ill-fitting items can contribute not only to damage, but injuries, too.
  • Prepare yourself physically.
    Skiing and snowboarding can be a lot more exhausting than you might think. Make sure you take the time to warm up and stretch before hitting the fresh powder on the slopes.
  • Learn and practice.
    Take the time to learn from a qualified instructor and build up your skills slowly so you don’t pick up any bad habits that might result in injury.

Child skiing

Why should I choose Cover-More to protect my snow trip?

Considering our winter sport cover options for your next trip to the snow? It’s worth noting we also provide additional benefits to ensure peace of mind on your travels, including:

  • High-quality travel cover at an affordable price
  • 24/7 emergency medical and travel assistance
  • Access to an Australian-based doctor via our Travel GP service^ while you’re away
  • Fair and efficient handling of all your claims
  • A global team of travel experts that puts your safety and well-being first

Ready to hit the slopes?

If we’ve answered all your questions on winter sports travel insurance, it’s now time to not only embrace your adventurous side and book your snow trip, but protect your winter sports holiday, too.

Head to the top of this page to get a quote, or call our team on 1300 72 88 22 to purchase a travel insurance policy today! Visit our dedicated FAQs for winter sports travel insurance if you'd like to learn more.


* Terms, conditions, and sub-limits apply. See PDS for full details.

^Travel GP services do not form part of your travel insurance policy. It is offered to customers at Cover-More’s cost and at our sole discretion. Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will be considered.