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Best and worst ski insurance

Find out how ski insurance works and use Which?'s unique ratings to find the best ski insurance policies.

In this article
Coronavirus (COVID-19) travel insurance update What is ski insurance? What does ski insurance cover? Who offers the best ski insurance? How we calculate our scores
What do the best ski insurers offer? Does regular travel insurance cover skiing? Does ski trip insurance have an age limit? Can I get ski insurance if I have a pre-existing medical condition?

Coronavirus (COVID-19) travel insurance update

The spread of coronavirus has resulted in considerable disruption to travel plans. It has also caused some insurers to make changes to their policies.

Be aware that policies bought or renewed on or after 12 March may lack cover for coronavirus-related incidents.

You can find the latest updates and advice in our dedicated Which? coronavirus information hub.

What is ski insurance?

Ski insurance, also known as winter sports insurance, is a specific kind of travel insurance policy tailored to cover anything that might go wrong on a ski holiday. This includes ski equipment, medical treatment, and the costs that come with ski-related injuries. 

Standard travel insurance policies will not always cover these things, so it’s important to take ski trip insurance if you want to be protected when doing any kind of winter sports abroad.

 

What does ski insurance cover?

Most ski trip insurance policies will cover the following:

Medical expenses

Getting injured on the slopes can be expensive. There's the cost of the treatment itself, which your Ehic might not cover after Brexit, but there's also the price of air ambulance rescue from the mountains and of repatriation if you need to be sent home. 

Most policies will cover these up to a certain amount, usually in the millions of pounds. When we looked at more than 250 policies in September and October 2019, the median coverage was £10m, and some had no upper limit.

Lost, stolen or damaged equipment

If your skis, sticks or snowboards are damaged, stolen, or goes missing, most policies will cover you for several hundred pounds, though some go into the thousands. You can claim back the cost of your own equipment, or for hiring replacement equipment. 

Cancellation or curtailment

If you have to cancel or cut short your trip due to an injury, you can claim back the cost of what you missed. £15,000 was the most coverage we found in October.

Avalanche delay

Very specific to winter sports breaks, ski insurance will cover you if an avalanche delays your skiing. 

Piste closure

You can claim for this if you can't ski because the piste is closed. It will normally have to be closed for a certain amount of time first. 

Other eventualities

Ski insurance can also cover events like death, overseas funerals, and legal costs for causing injury to others or damaging someone else's property.

Check each policy carefully to see what it will and won't cover before you decide on an insurer. 

Who offers the best ski insurance?

We've analysed insurance policies from more than 250 providers to help you find the best ski insurance for you. And we've combined this research with ratings from thousands of real customers who had bought these policies. 

Which? members can read our scores by logging in. If you're not already a member, join Which? and get full access to these results and all our reviews.

 

Company Name Policy name Policy type Policy score undefined Medical expenses limit Medical expenses excess Cancellation or curtailment limit Cancellation or curtailment excess Baggage and belongings limit Baggage and belongings excess Lost, stolen or damaged ski equipment Ski equipment excess Piste closure - maximum Ski pack cover for illness or injury Delay caused by avalanche Replacement equipment hire - maximum Lost money limit Lost money excess
Logged out detail Platinum Deluxe 96% n/a

5 out of 5

5 out of 5

5 out of 5

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Logged out detail Black Deluxe 96% 76%

5 out of 5

5 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

5 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

Logged out detail Black Deluxe 94% 73%

5 out of 5

5 out of 5

4 out of 5

5 out of 5

4 out of 5

5 out of 5

5 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

Logged out detail Supreme Deluxe 93% n/a

3 out of 5

5 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

5 out of 5

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5 out of 5

4 out of 5

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Logged out detail Platinum Deluxe 93% n/a

5 out of 5

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Logged out detail Platinum Deluxe 93% n/a

3 out of 5

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Logged out detail Platinum Deluxe 93% n/a

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Logged out detail Platinum Deluxe 91% 70%

3 out of 5

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Logged out detail Deluxe Deluxe 91% n/a

3 out of 5

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Logged out detail Black Deluxe 91% n/a

5 out of 5

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Logged out detail Platinum Deluxe 90% n/a

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Logged out detail Premier Deluxe 90% n/a

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Logged out detail Platinum Deluxe 89% n/a

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Logged out detail Platinum Deluxe 89% 74%

5 out of 5

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Logged out detail Platinum Deluxe 89% n/a

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How we calculate our scores

Policy score

Policy scores are calculated by rating the most important elements of the policy, including standard travel insurance policy features such as cancellation cover, and ski-specific features like equipment and avalanche cover. 

Customer score

Our customer scores are based on a survey of 4,471 general public respondents from March 2019. They are worked out using a combination of overall satisfaction and the likelihood of recommending the provider.

If two or more brands achieve the same score, we rank them to the next decimal place. Providers must have a minimum sample size of 30 to be included.

Total score

This combines both the policy score and the customer score. 

What do the best ski insurers offer?

As well as scoring each policy element, we compiled the limits and excesses different policies have for winter sports. 

Which? members can read our scores by logging in. If you're not already a member, join Which? and get full access to these results and all our reviews.

Company name Policy name Policy type Policy score undefined Medical expenses limit Medical expenses excess Cancellation or curtailment limit Cancellation or curtailment excess Baggage and belongings limit Baggage and belongings excess Lost, stolen or damaged ski equipment Ski equipment excess Piste closure - maximum Ski pack cover for illness or injury Delay caused by avalanche Replacement equipment hire - maximum Lost money limit Lost money excess
Logged out detail Platinum Deluxe 96% n/a Unlimited £0 £10,000 £0 £3,000 £0 £1,500 £0 £500 £510 £750 £750 £750 £0
Logged out detail Black Deluxe 96% 76% Unlimited £0 £10,000 £0 £3,000 £0 £1,500 £0 £500 £510 £750 £750 £750 £0
Logged out detail Black Deluxe 94% 73% Unlimited £0 £7,500 £0 £2,500 £0 £1,500 £0 £500 £510 £750 £750 £750 £0
Logged out detail Supreme Deluxe 93% n/a £10,000,000 £0 £10,000 £0 £3,000 £0 £1,200 £0 £500 £500 £500 £600 £750 £0
Logged out detail Platinum Deluxe 93% n/a £20,000,000 £0 £6,000 £0 £3,500 £0 £1,000 £0 £600 £500 £600 £500 £500 £0
Logged out detail Platinum Deluxe 93% n/a £10,000,000 £0 £10,000 £0 £3,000 £0 £1,200 £0 £500 £500 £500 £600 £750 £0
Logged out detail Platinum Deluxe 93% n/a £10,000,000 £0 £10,000 £0 £3,000 £0 £1,200 £0 £500 £500 £500 £600 £750 £0
Logged out detail Platinum Deluxe 91% 70% £10,000,000 £0 £10,000 £0 £3,000 £0 £1,200 £0 £500 £500 £500 £500 £750 £0
Logged out detail Deluxe Deluxe 91% n/a £10,000,000 £0 £10,000 £0 £3,000 £0 £1,200 £0 £500 £500 £500 £500 £750 £0
Logged out detail Black Deluxe 91% n/a Unlimited £0 £7,500 £0 £3,500 £0 £1,000 £0 £400 £500 £500 £400 £750 £0
Logged out detail Platinum Deluxe 90% n/a £15,000,000 £0 £7,500 £0 £3,000 £0 £1,000 £0 £500 £750 £500 £400 £500 £0
Logged out detail Premier Deluxe 90% n/a £10,000,000 £0 £7,500 £0 £2,000 £0 £3,000 £0 £1,000 £1,000 £1,000 £500 £750 £0
Logged out detail Platinum Deluxe 89% n/a £15,000,000 £0 £7,500 £0 £3,000 £0 £1,000 £0 £500 £500 £500 £400 £400 £0
Logged out detail Platinum Deluxe 89% 74% Unlimited £50 £7,500 £50 £4,000 £50 £1,500 £50 £500 £510 £750 £750 £600 £50
Logged out detail Platinum Deluxe 89% n/a Unlimited £0 £7,500 £0 £3,000 £0 £1,000 £0 £400 £400 £500 £400 £750 £0

Does regular travel insurance cover skiing?

Many aspects of a ski trip are not covered by standard insurance policies. This is because winter sports holidays have a number of risks that other trips do not. 

If your insurance policy doesn't cover winter sports, you won't be covered for a huge number of unfortunate mishaps that could happen while you're away. 

Does ski trip insurance have an age limit?

Age limits tend to vary from insurer to insurer. Premiums tend to be higher for older travellers as they are seen as higher-risk. Some insurers will not cover people over the age of 65. 

Can I get ski insurance if I have a pre-existing medical condition?

As with standard travel insurance, you may be able to get ski insurance if you have a pre-existing medical condition, but it could cost you more. This is because insurers may perceive you to be more likely to claim for medical assistance. 

Find out more about how to get the best cover when you have a pre-existing condition with our guide to medical conditions travel insurance.

What about Brexit?  

The UK will leave the European Union on 31 January 2020. However, there will be very little change to regulations, or your consumer rights, until the transition period ends on 31 December 2020. We’ll update this page with any developments. 

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