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Travel Cover: Ski Travel Cover

Winter sports

Winter Sports - Ski and snowboard travel insurance

Get Travel Insurance Before You Hit the Slopes

With any travel comes risk. 

But when you're propelling down a mountain on a piece or two of wood, the chance of an accident is more likely. That’s why Cover-More travel insurance allows you to add our additional ski cover to your policy. While common-sense and knowing your limits goes a long way, you can never guarantee an injury-free trip. And unlike a broken phone or stolen wallet, it's a costly exercise to airlift yourself to hospital and repair a broken limb.

Need more information? See our Winter Sports FAQs, our essential guide for ski holidays, and check out these top ski destinations.  

What is Winter Sports Travel Insurance?

Whether you’re skiing in Japan, snowboarding in Queenstown, or want to give snowmobiling a try – check out our Ski and Winter sports add-on.  As a bonus, our add-on lets you have a go at tobogganing and ice fishing at no extra cost!

Our goal is to ensure your safety. As a result, we need to discourage you from any dangerous or risky behaviour while on the slopes. That's why our Winter Sports add-on only covers you if:

  • You are skiing or snowboarding on-piste;
  • You are not racing; and
  • You are not participating in a professional capacity.

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

Skier looking at mountain

Included activities

Professionals and daredevils note: your ski travel insurance will not cover you if you are racing, skiing off-piste, or skiing in a professional capacity.

Exclusions apply in some cases. Please review the full travel insurance policy wording for full details of the cover provided.

View all included activities

Dog Sledding: Included, if just participating for one or two hours with an organised guided tour.

Glacier Walking: Included, if you are just participating for one or two hours with an organised guided tour.

Ice Fishing: Included, if you are just participating for one or two hours with an organised guided tour.

Ice Hockey



Why do you need winter sports and ski insurance?

Even a minor accident can ruin a holiday and leave you with high medical costs and bad memories instead of good ones. In some places like Japan, proof of insurance may be required before treatment is given. Not to mention how costly medical can be in the USA! 

Cover-More policyholder Clara discovered this when her son was snowboarding on Mammoth Mountain in eastern California. He fell and broke his wrist, resulting in costly US medical expenses. The total claim was more than $2,594 – which Cover-More paid, so the family wasn’t out of pocket for his injury.

“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.

Our cover for winter sports is important whether you’re skiing in Canada, taking advantage of a ski package at a resort in Japan or just headed to Queenstown for a long weekend break. Get a quote online to find out how little it costs to protect your snow trip.

Cover for Winter Sports injuries

Let us ease the pain in your neck, rather than cause it. When you purchase our winter and ski cover add-on, we will pay for winter sport-related injuries covered by our policies that you might sustain - no matter the cost.*

In some cases, we have had to cover emergency evacuation, ambulance, and hospital expenses. At times, we also able to include additional costs your travel companion may incur. **

Protect your ski and snowboarding equipment

Under our Luggage and Travel documents benefit, we provide up to $1,500 per item, set or pair of items, not exceeding the original purchase price, including attached and unattached accessories for any personal snow and ski equipment you take on your trip. That way we're there for you if anything happens to your possessions during transit. For items over $1,500 it’s possible to increase your luggage item limit to $10,000 (at an additional premium) on an Options policy

We do not cover loss, damage or theft of equipment while in use. To avoid such events occurring, we have provided you with some tips to stay safe on the slopes:

  • Guard your belongings – your equipment and luggage are only covered while they’re in your possession. So make sure you don’t leave your items unattended, keeping an eye on your stuff is the best way to avoid losing it. 
  • Invest in the right equipment – make sure your equipment is right for you. Any discomfort or ill-fitting items can contribute to injuries and damage.
  • 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 heading out.
  • Learn and practice – take the time to learn from a qualified instructor so you don’t pick up any bad habits that might result in injury.

Our benefit does not apply to hired items. Always ensure your rights and responsibilities when engaging in a contract with a ski rental company.

Ski equipment on wooden deck

Customising your ski travel insurance plan

To make sure you're only paying for the cover you need, we allow you to choose cancellation cover where the amount of coverage is entirely up to you!

Although, given the high potential for injury and unpredictable weather, we recommend you choose a coverage plan that covers the value of your trip. That way, you may have cover for unused, prepaid travel expenses, such as:

  • An injury sustained on the slopes which means you have to go home early
  • Unused lift pass, ski lessons and ski equipment hire

Why choose Cover-More

We provide great value for money. In addition to our ski and winter sports add-on, we also provide additional benefits to ensure peace of mind on your travels.

  • 24/7 emergency medical and travel assistance
  • Luggage and personal effects benefits, including stolen, lost and damaged personal equipment
  • Cover and assistance for if you lose travel documents, including credit card and traveller’s cheque replacement
  • Travel delay expenses
  • TravelGP – access to an Australian-based doctor while you’re on a ski trip
  • Claim-on-the-go with our Online Claims and keep travelling

Ready to hit the slopes? 

If that’s answered all your questions then it’s time to protect your winter sports holiday. Get a quote and purchase a travel insurance policy today!


*reduced limits may apply for those over the age of 70, i.e. if they require an Age Approved policy

**additional expenses benefit link