Travel insurance for ski & winter sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while traveling, and claim online from anywhere in the world.
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Whether you're a newbie hitting the bunny slopes or a seasoned pro tackling the black diamonds, accidents can happen. With World Nomads travel insurance, you can shred the slopes and let your winter adventures be as smooth as the freshest powder.
- What does World Nomads travel insurance cover for snow sports?
- Choosing the right travel insurance policy for you
- What snow sports activities are covered?
- What’s not covered
- Tips for your winter sports adventures
- FAQs
What does World Nomads travel insurance cover for snow sports?
Depending on your country of residence and the plan you choose, our policies can protect you up to policy limits for benefits including:
- Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
- Trip cancellation: if you have to cancel your travel plans
- Baggage and equipment cover: if your baggage, ski or snowboarding gear is lost, stolen or damaged
- Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche, or severe weather event
- Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
- Coverage for families: our policies can cover up to eight dependents, so you can take the whole family on a winter vacation!
Choosing the right policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
What snow sports activities are covered?
As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:
- Skiing and boarding within resorts, including off-piste
- Heli-skiing & heli-boarding (some plans only, check yours carefully)
- Sledding and tobogganing
- Snowmobiling, ice skating, snow rafting & more.
It’s important to note that all plans are different depending on your country of residence and may require an upgrade for cover to apply. Read the Policy Wording carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski racing or national squad training, the use of skeletons.
- Some winter and snow sports have special terms including exclusions for remote areas, racing, time trials and endurance events. Check the policy wording carefully.
- Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old, or while in use
- If you travel against medical advice or neglect to adhere to U.S. Department of State ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
- Any pre-existing medical conditions
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your winter sports adventures
Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
- Be aware of skiing or snowboarding no go zones: don’t go into back country areas without taking local advice and appropriate rescue equipment. You should follow the International Ski Federation code or the resort regulations.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
Travel insurance doesn’t cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. If you have any questions, please contact us.
FAQ's
Here are our most frequently asked questions about ski and winter sports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?
Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation and repatriation back home.
It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.
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Are winter sports equipment covered by World Nomads travel insurance?
We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use or loss, damage or theft of any sporting equipment left unattended. Be sure to read the policy wording for terms and conditions.
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Do you cover snow trip cancellations due to adverse weather conditions on the slopes?
If your snow trip is cancelled, delayed or restricted due to a natural catastrophe such as avalanche, our policies provide cover for the value of your unused accommodation, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by a natural catastrophe be sure to get supporting documents for any claims.
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Is snow sports cover just for medical expenses?
Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to a natural catastrophe, including avalanches. Our policies can help protect you against those unexpected situations.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Ski buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $500,000
Evacuation and Repatriation
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage delayed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Before your trip, check the latest government advice for any travel alerts for your destination.