What does winter sports travel insurance cover?
Winter sports policies are specifically tailored to cover all eventualities that could happen on specific winter sports trips. They offer a far more comprehensive level of cover compared to standard travel insurance policies. As well as covering lost, damaged or stolen luggage, medical costs, cancellations and delays, they also offer extra benefits including:
- Loss of ski pass
- Loss, theft or damage to equipment
- Avalanche delay
- Piste closure for more than 24 hours
- Equipment hire costs if your luggage is lost or delayed on the outward journey
- Personal liability cover should you injure someone else
- Mountain rescues
Some providers will require you to wear a helmet otherwise you run the risk of invalidating your policy. Also, if you’re under the influence of alcohol or drugs and have an accident on the slopes, you won’t be covered.
Generally, good winter sports policies will cover skiing (on-piste), snowboarding (on-piste), tobogganing, ice skating, snowmobiling, dog-sledding, sleighing and ice hockey.