Winter sports are often excluded or require an add-on. That applies to alpine skiing, snowboarding, and off-piste — and terms vary a lot between insurers.
Typical cover with a ski add-on
- Acute injury on-piste (treatment, repatriation)
- Rescue / helicopter to a limited extent
- Damaged or stolen ski equipment (with benefit caps)
- Cancellation due to illness before departure (if included)
Typical exclusions
- Competition, club training, or professional sport
- Off-piste without a guide (or excluded entirely)
- Alcohol impairment and gross negligence
- Equipment rental without receipt / documentation
Practical tips before a ski trip
- Read “hazardous sport” and “winter sports” in the terms — not only the marketing page
- Keep ski passes, rental receipts, and piste patrol incident reports
- Check whether a European Health Insurance Card (EHIC) is enough — it rarely is on its own
- Consider liability cover if you could injure others on the slopes
This page is for guidance only. It does not replace your policy or professional advice.