Home / Travel Insurance / Ski & Winter Sports / Ski Travel Insurance FAQs

Person standing on lake pontoon looking at mountain

Snow Sports Travel Insurance Cover FAQs 

At Cover-More, we know that a snow sports holiday can bring new questions and concerns for travellers. To help, we have put together some frequently asked questions about our Snow Sports cover. Visit our snow sports travel insurance cover page for more information on purchasing your policy.

How can I buy ski and snowboard travel insurance cover? 

When you’re purchasing Cover-More travel insurance, you have the option to include Snow Sports Cover at an additional cost. This cover provide protection for skiing, snowboarding, and snowmobiling. Alternatively, you can give us a call on 0800 500 225, and our friendly Customer Service team will guide you through our policy options. 

Why do I have to pay extra for snow sports? 

Participating in snow sports can increase your likelihood for injury. Often, the types of injuries that occur on the mountains require urgent medical attention and are extremely costly. That's why it's smart consider including Snow Sports Cover in your travel insurance policy.

What does ski and snowboard travel insurance cover?

Our ski and snowboard travel insurance (snow sports) can cover claims involving you skiing, snowboarding, or snowmobiling, providing you meet the requirements outlined in the Policy Wording. Cover is only provided if you are on-piste, not racing, and not participating in a professional capacity.

Am I still covered for medical if I don’t add Snow Sports Cover? 

Our overseas medical and dental expenses benefit applies for the duration of your trip, up to the limit described in your policy. However, if you are injured on the slopes, we will only be able to consider your claim if you have included Snow Sports Cover to your policy for an additional cost.

What does it not cover? 

Our Snow Sports Cover does not protect you if you are skiing or snowboarding off-piste or if you are racing, or participating in a professional capacity. We don’t provide cover for heli-skiing, or snowcat skiing/snowcat boarding. 

Is there a limit on personal equipment that can be covered? 

We can provide coverage for insured personal items lost, damaged, or stolen on your trip. When you choose our Options International Plan, our luggage benefit provides the following coverage per item, set, or pair of items: 

  • Cameras and video cameras - $3,000

  • Laptop and tablet computers - $3,000

  • Other items - $1,500

When you choose our Options International Plan, the limit for all luggage items combined is $25,000. If you require extra coverage, we allow you to increase this limit for single items for an additional cost. You can get a quote online or call us.

Please note: All personal ski equipment falls under our ‘other items’ category. 

Am I covered if I use my own ski equipment? 

Under our luggage benefit, we provide coverage if your equipment is lost, stolen or damaged in transit (i.e. to and from your destination). Unfortunately, this benefit does not apply to sporting and ski equipment while it is being used. 

Is my rented equipment covered? 

Our luggage and travel documents benefit only provides cover for insured personal items that are lost, damaged, or stolen on your trip. We do not provide this cover for hired ski items. When you hire ski equipment, you engage in a contract with your chosen ski rental company. Always ensure you’re aware of your rights and responsibilities prior to hiring ski gear on your winter holiday.

Does equipment have to be ‘new’ to be covered? 

No – we do not have any specification in terms of how old your item has to be in order to have cover as a luggage item. Our claims would apply reasonable depreciation to the item when assessing the claim.

Can I apply Cover-More’s Snow Sports Cover for only part of my trip? 

No. Once you vary your policy to include our Snow Sports Cover, you’ll have protection for the whole duration of your policy. This gives you flexibility if you have not booked the ski or snowboarding part of your holiday before you leave on your trip. 

Want more information? See our snow sports travel insurance cover page, our essential guide for ski holidays, and check out these top ski destinations.