Winter Sports Travel Insurance
Winter sports travel insurance offers essential protection for anyone heading abroad to enjoy skiing, snowboarding, or other cold-weather adventures. With Expatriate Group, you can add a specialised winter sports package designed to cover the unique risks of the slopes to your standard travel insurance.
Plan Options
What is Travel Insurance for Winter Sports?
Winter Sport Travel Insurance is a specialised add-on to your standard travel insurance that provides extra cover tailored to the risks associated with skiing, snowboarding, and other cold-weather activities. This type of travel insurance protects you against losses specific to winter sports, such as damage to or loss of ski equipment, costs related to ski hire, and disruptions caused by weather conditions. It will ensure you are fully protected against many of the common risks that come with winter sports, giving you peace of mind while you enjoy your holiday on the slopes.
Where do you cover?
Whether you’re hitting the slopes solo or with friends, Expat Group provides cover for your winter sports adventures across Europe and worldwide.
You can travel to your chosen ski or snowboard destination with confidence, knowing you’re protected from the moment you buy your policy until you return home.
Please note, we are unable to offer winter sports travel insurance for anyone travelling from Benin, Burkina Faso, Dominican Republic, Ivory Coast, Nigeria, or Senegal.
Where do you cover?
Policy Benefits
Key Benefits of our Winter Sports Travel Insurance
Our winter sports travel insurance provides tailored protection to cover the unique risks of skiing, snowboarding, and other cold-weather activities. It includes cover for equipment loss or damage, trip disruptions caused by weather, and additional costs like ski hire. Designed as an add-on to your standard travel insurance, it ensures you have comprehensive peace of mind throughout your winter holiday, wherever you choose to travel.
Emergency Medical Evacuation
Emergency medical evacuation is included as part of our standard travel insurance and is essential for winter sports travellers. If you suffer a serious injury or illness on the slopes that requires specialised medical treatment or transportation, this cover ensures you can be safely evacuated to the nearest suitable medical facility. It provides peace of mind knowing that expert assistance is available when you need it most.
Emergency & Accidental Medical Treatment
Emergency and accidental medical treatment is included within our standard travel insurance, providing vital cover for injuries or sudden illness during your winter sports trip. It includes hospital treatment, surgery, or emergency care, helping with medical expenses so you can focus on recovery without worrying about the costs.
Ski Equipment Cover
Our winter sports travel insurance includes dedicated cover for ski and snowboard equipment, whether it’s owned or hired. If your gear is lost, stolen, or damaged during your trip, you’ll be protected against the cost of repair or replacement.
Cancellation and Curtailment Cover
Included as part of our comprehensive travel insurance, cancellation and curtailment cover protects you if unforeseen events force you to cancel your winter sports holiday before departure or cut it short while you’re away. This cover helps recover costs for travel, accommodation, and pre-paid activities, giving you financial protection when plans change.
TRAVEL INSURANCE WINTER SPORTS
The Benefit Schedule
The benefit schedule below is applicable to Expatriate Group’s Travel Insurance for Winter Sports. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
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Winter Sports Travel Insurance FAQs
Do I need special travel insurance for winter sports?
Yes, standard travel insurance doesn’t usually cover the specific risks associated with winter sports. Our winter sports add-on provides tailored protection for activities like skiing and snowboarding, covering things such as equipment damage, piste closure, and avalanche delays.
What does winter sports travel insurance cover?
Our cover includes protection for owned and hired ski equipment, ski hire and ski pack costs, piste closure, avalanche delays, and more. It also includes emergency medical treatment and evacuation, all as part of our core travel insurance policy with the winter sports add-on.
Is my ski equipment covered if it’s lost or stolen?
Yes, both owned and hired equipment are covered up to specified limits, including partial cover for unreceipted items.
What happens if bad weather closes the slopes?
If piste closures prevent you from skiing or snowboarding, you can claim compensation per day, up to the policy limit, helping to recover costs from disrupted plans.
Is medical cover included?
Yes, emergency and accidental medical treatment, as well as medical evacuation, are included in our standard travel insurance and apply to your winter sports trip when the add-on is selected.
Can I get winter sports travel insurance cover if I’m travelling outside Europe?
Yes, our winter sports travel insurance offers worldwide cover, so you’re protected whether you’re hitting the Alps or travelling further afield.
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