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Get a quoteWhy you can trust our ski insurance reviews
Expert analysis
We've surveyed 59 travel insurance companies about their levels of cover and analysed 140 winter sports policies.
Piste closure
The changing climate can make snow less predictable. We list the cover policies offer for piste closure.
Ski insurance, also known as winter sports insurance, is a specific kind of travel insurance tailored to cover anything that might go wrong on a skiing or snowboarding holiday. It typically comes as an add-on to normal travel insurance.
Winter sports cover includes ski and snowboard equipment, medical treatment and the costs that come with ski-related injuries - which aren't usually covered by travel insurance.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Here we've listed travel insurance policies, which either include ski insurance, or where ski insurance can be added for extra cost. Click the links for our full reviews of these policies.
The 'Best Buy' policies are Best Buys for travel insurance overall, not just their ski cover.
best buy | Plus - Annual Multi-Trip | Optional extra | 85% | £750 | Not covered | £400 | £200 |
best buy | Plus - Single Trip | Optional extra | 84% | £750 | Not covered | £400 | £200 |
best buy | Platinum | Optional extra | 82% | £1,500 | £50,000 | £500 | £1,500 |
best buy | Standard - Annual Multi-Trip | Optional extra | 81% | £750 | Not covered | £400 | £200 |
best buy | Travel Insurance | Included | 81% | £500 | Not covered | £300 | £250 |
best buy | Worldwide Travel Insurance | Included | 80% | £500 | Not covered | £300 | £250 |
best buy | Platinum | Optional extra | 78% | £1,000 | Not covered | £1,000 | £250 |
best buy | Black | Optional extra | 77% | £1,500 | Not covered | £500 | £1,500 |
Cedar Tree | Platinum | Optional extra | 77% | £1,000 | Not covered | £500 | Not covered |
Tesco Insurance | Premier | Optional extra | 77% | £1,500 | £10,000 | £300 | Not covered |
| Signature | Optional extra | 77% | £500 | Not covered | £200 | £250 | |
best buy | Standard - Single Trip | Optional extra | 76% | £750 | not covered | £400 | £200 |
best buy | Gold | Optional extra | 75% | £1,000 | £10,000 | £400 | Not covered |
best buy | Platinum | Optional extra | 75% | £500 | Not covered | £350 | £500 |
best buy | Platinum | Optional extra | 75% | £1,500 | Not covered | £500 | £1,500 |
Cover For You | Platinum | Optional extra | 75% | £1,000 | Not covered | £500 | Not covered |
Insure & Escape | First | Optional extra | 74% | £1,000 | Not covered | £500 | Not covered |
AA | Gold | Optional extra | 74% | £1,000 | Not covered | Not covered | Not covered |
best buy | Gold | Optional extra | 74% | £500 | £50,000 | £300 | £300 |
Multitrip | Premier Plus | Optional extra | 74% | £600 | Not covered | £500 | £500 |
Just Travel Cover: Avion | Gold | Optional extra | 73% | £1,750 | £2,000 | £500 | Not covered |
Just Travel Cover: Fit4Travel | Gold | Optional extra | 73% | £750 | Not covered | £500 | £500 |
Virgin Money | Gold | Optional extra | 73% | £1,000 | Not covered | £600 | £300 |
best buy Gigasure | Max | Optional extra | 73% | £1,000 | £20 million | £300 | £250 |
Brokersure - Allsafe | Premier Plus | Optional extra | 73% | £1,000 | £1,000 | not covered | Not covered |
Just Travel Cover: Good2Go Extra | Gold | Optional extra | 72% | £500 | Not covered | £500 | £400 |
Just Travel Cover: Infinity Travel | Gold | Optional extra | 72% | £1,500 | Not covered | £500 | £500 |
Puffin | Platinum | Optional extra | 72% | £500 | Not covered | £400 | £200 |
best buy | Premier | Optional extra | 72% | £2,000 | Not covered | £1,000 | £500 |
Avanti | Deluxe | Optional extra | 71% | £1,000 | £10,000 | £300 | £300 |
best buy | Gold | Optional extra | 71% | £1,000 | Not covered | £400 | £1,000 |
| Premier | Optional extra | 71% | £1,000 | Not covered | £500 | £400 | |
Brokersure - Direct2Insure | Select 20 | Optional extra | 71% | £750 | Not covered | £500 | £500 |
Annual Travel Insurance | Super Plus | Optional extra | 71% | £600 | Not covered | £500 | £500 |
Aviva | Travel Insurance | Optional extra | 71% | £500 | Not covered | £300 | £200 |
Brokersure - Fit2Travel | Ultimate | Optional extra | 71% | £750 | Not covered | £500 | £500 |
Cedar Tree | Gold | Optional extra | 70% | £750 | Not covered | £400 | Not covered |
best buy | Gold | Optional extra | 70% | £1,000 | Not covered | £400 | £1,000 |
Just Travel Cover: Unity Travel | Gold | Optional extra | 70% | £1,750 | Not covered | £600 | Not covered |
Travel Insurance Saver | Gold | Optional extra | 70% | £1,000 | Not covered | £500 | Not covered |
Brokersure - Direct Travel | Premier Plus | Optional extra | 70% | £1,000 | £1,000 | not covered | Not covered |
Leisure Guard | Premier Plus | Optional extra | 70% | £2,000 | Not covered | £240 | £300 |
Avanti | Deluxe (Cruise) | Optional extra | 69% | £1,000 | £10,000 | £260 | £300 |
Cover For You | Gold | Optional extra | 69% | £750 | Not covered | £400 | Not covered |
Europesure | Platinum | Optional extra | 69% | £500 | Not covered | £300 | Not covered |
best buy Gigasure | Pro | Optional extra | 69% | £750 | £15 million | £250 | £150 |
best buy | Travel Insurance | Optional extra | 69% | £500 | Not covered | £250 | £500 |
Alpha | Zero | Included | 69% | £500 | Not covered | £200 | £250 |
Gigasure | Backpackers Core | Optional extra | 68% | £300 | £10 million | £250 | £150 |
Gigasure | Backpackers Max | Optional extra | 68% | £300 | £10 million | £250 | £150 |
| Gold | Optional extra | 68% | £2,000 | Not covered | £1,000 | £500 | |
Puffin | Gold | Optional extra | 68% | £500 | Not covered | £400 | £200 |
| Platinum | Optional extra | 68% | £1,000 | Not covered | £200 | £500 | |
best buy World First | Premier | Optional extra | 68% | £400 | Not covered | £400 | £300 |
TravelTime | PremierPlus | Optional extra | 68% | £750 | £1,500 | Not covered | Not covered |
Insure & Escape | Premium | Optional extra | 68% | £750 | Not covered | £400 | Not covered |
best buy | Silver | Optional extra | 68% | £500 | £10,000 | £300 | Not covered |
| Comprehensive | Optional extra | 67% | £500 | Not covered | £200 | £250 | |
| Sapphire | Optional extra | 67% | £1,000 | Not covered | £1,000 | £250 | |
AA | Silver | Optional extra | 67% | £750 | Not covered | Not covered | Not covered |
Tesco Insurance | Standard | Optional extra | 67% | £1,000 | £10,000 | £300 | Not covered |
best buy World First | Standard | Optional extra | 67% | £400 | Not covered | £400 | £300 |
Jet2 Insurance | Super Plus | Optional extra | 67% | £500 | Not covered | £250 | £250 |
Alpha | 50 | Included | 66% | £500 | Not covered | £200 | £250 |
World First | Backpacker & Longstay Gold | Optional extra | 66% | £1,000 | Not covered | £300 | £300 |
best buy | Gold Plus | Optional extra | 66% | £500 | Not covered | £350 | £500 |
Big Blue | Premier | Optional extra | 66% | £1,000 | Not covered | £400 | Not covered |
Multitrip | Premier | Optional extra | 66% | £400 | Not covered | £300 | £300 |
Puffin | Silver | Optional extra | 66% | £500 | Not covered | £400 | £200 |
Travel Insurance Saver | Silver | Optional extra | 66% | £750 | Not covered | £400 | Not covered |
Annual Travel Insurance | Super | Optional extra | 66% | £400 | Not covered | £400 | £300 |
Leisure Guard | Premier Backpacker | Optional extra | 65% | £500 | Not covered | £300 | £300 |
| Silver | Optional extra | 65% | £500 | Not covered | £200 | £500 | |
Virgin Money | Silver | Optional extra | 65% | £750 | Not covered | £450 | £250 |
Your Coop | Super | Included | 65% | £1,000 | Not covered | £240 | £300 |
Travel Insurance 4 Medical | Superior | Optional extra | 65% | £1,000 | Not covered | £300 | £300 |
Alpha | 75 | Included | 64% | £500 | Not covered | £200 | £250 |
Alpha | 100 | Included | 64% | £500 | Not covered | £200 | £250 |
World First | Backpacker & Longstay Silver | Optional extra | 64% | £1,000 | Not covered | £300 | £300 |
World First | Classic | Optional extra | 64% | £400 | Not covered | £400 | £300 |
Avanti | Classic (Cruise) | Optional extra | 64% | £1,000 | £10,000 | £260 | £300 |
| Emerald | Optional extra | 64% | £1,000 | Not covered | £1,000 | £250 | |
Europesure | Gold | Optional extra | 64% | £500 | Not covered | £300 | Not covered |
Just Travel Cover: Avion | Silver | Optional extra | 64% | £1,250 | £1,500 | £400 | Not covered |
Dogtag | Travel Insurance Cover (Max) | Optional extra | 64% | £2,000 | Not covered | £200 | £2,000 |
Avanti | Classic | Optional extra | 63% | £1,000 | £10,000 | £300 | £300 |
Insure & Escape | Economy | Optional extra | 63% | £500 | Not covered | £300 | Not covered |
| Gold | Optional extra | 63% | £750 | Not covered | £200 | £500 | |
Cedar Tree | Silver | Optional extra | 63% | £500 | Not covered | £250 | Not covered |
Cover For You | Silver | Optional extra | 63% | £500 | Not covered | £250 | Not covered |
| Silver | Optional extra | 63% | £500 | £50,000 | £300 | £300 | |
Just Travel Cover: Fit4Travel | Silver | Optional extra | 63% | £500 | Not covered | £300 | £300 |
Just Travel Cover: Good2Go Extra | Silver | Optional extra | 63% | £500 | Not covered | £500 | £400 |
| Standard | Optional extra | 63% | £500 | Not covered | £250 | £300 | |
Jet2 Insurance | Super | Optional extra | 63% | £400 | Not covered | £200 | £200 |
Alpha | 150 | Included | 62% | £500 | Not covered | £200 | £250 |
Gigasure | Core | Optional extra | 62% | £500 | £10 million | £150 | £100 |
Tesco Insurance | Economy | Optional extra | 62% | £500 | £10,000 | £300 | Not covered |
| Gold | Optional extra | 62% | £500 | Not covered | £350 | £500 | |
Leisure Guard | Premier | Optional extra | 62% | £2,000 | Not covered | £240 | £300 |
TravelTime | Premier | Optional extra | 62% | £500 | £1,000 | Not covered | Not covered |
| Silver | Optional extra | 62% | £500 | Not covered | £200 | £500 | |
| Standard | Optional extra | 62% | £1,000 | Not covered | £1,000 | £250 | |
Barrhead Travel | Premier Plus | Optional extra | 61% | £1,000 | Not covered | £200 | Not covered |
Virgin Money | Red | Optional extra | 61% | £500 | Not covered | £300 | £200 |
| Silver | Optional extra | 61% | £1,000 | Not covered | £1,000 | £250 | |
Just Travel Cover: Infinity Travel | Silver | Optional extra | 61% | £1,250 | Not covered | £400 | £500 |
Just Travel Cover: Unity Travel | Silver | Optional extra | 61% | £1,250 | Not covered | £400 | Not covered |
Travel Insurance 4 Medical | Standard | Optional extra | 61% | £1,000 | Not covered | £300 | £300 |
Alpha | 175 | Included | 60% | £500 | Not covered | £200 | £250 |
World First | Backpacker & Longstay Bronze | Optional extra | 60% | £1,000 | Not covered | £300 | £300 |
Leisurecare | Leisurecare | Optional extra | 60% | £300 | Not covered | £300 | Not covered |
Big Blue | Standard | Optional extra | 60% | £750 | Not covered | £300 | Not covered |
Multitrip | Essentials | Optional extra | 59% | £300 | Not covered | £300 | £300 |
Your Coop | Premier | Optional extra | 59% | £1,000 | Not covered | £240 | £300 |
World First | World First Economy | Optional extra | 59% | £400 | Not covered | £400 | £300 |
| Bronze | Optional extra | 58% | £400 | £10,000 | £200 | Not covered | |
Annual Travel Insurance | Economy | Optional extra | 58% | £400 | Not covered | £300 | £300 |
Your Coop | Economy | Optional extra | 58% | £1,000 | Not covered | £240 | £300 |
| Essential - Single Trip | Optional extra | 58% | £750 | Not covered | £400 | £200 | |
Just Travel Cover: Avion | Bronze | Optional extra | 57% | £1,000 | £1,000 | £200 | Not covered |
TravelTime | Economy | Optional extra | 57% | £500 | £1,000 | Not covered | Not covered |
Barrhead Travel | Premier | Optional extra | 57% | £1,000 | Not covered | £200 | Not covered |
| Admiral | Optional extra | 56% | £500 | Not covered | £200 | £500 | |
Just Travel Cover: Fit4Travel | Bronze | Optional extra | 56% | £500 | Not covered | £300 | £300 |
Big Blue | Economy | Optional extra | 56% | £500 | Not covered | £250 | Not covered |
Travel Insurance 4 Medical | Economy Extra | Optional extra | 56% | £1,000 | Not covered | £300 | £300 |
Europesure | Silver | Optional extra | 56% | £500 | Not covered | £300 | Not covered |
Leisure Guard | Standard | Optional extra | 56% | £1,000 | Not covered | £240 | £300 |
| Bronze | Optional extra | 55% | £500 | Not covered | £200 | £500 | |
Jet2 Insurance | Essential | Optional extra | 54% | £300 | Not covered | £150 | £150 |
Just Travel Cover: Unity Travel | Bronze | Optional extra | 53% | £750 | Not covered | £200 | Not covered |
Travel Insurance Saver | Bronze | Optional extra | 53% | £500 | Not covered | £250 | Not covered |
Leisure Guard | Standard Backpacker | Optional extra | 53% | £400 | Not covered | £250 | £250 |
Just Travel Cover: Infinity Travel | Bronze | Optional extra | 52% | £750 | Not covered | £250 | £300 |
| Economy | Optional extra | 52% | £500 | Not covered | £250 | £300 | |
Barrhead Travel | Standard | Optional extra | 52% | £500 | Not covered | £200 | Not covered |
| Budget | Optional extra | 50% | £200 | Not covered | £100 | £200 | |
AA | Bronze | Optional extra | 49% | £500 | Not covered | Not covered | Not covered |
Just Travel Cover: Good2Go Extra | Bronze | Optional extra | 23% | £500 | Not covered | £500 | £400 |
Table note: Our winter sports score rates how comprehensive the cover is - the higher the better. From our survey of insurers in February 2025. See our full methodology below.
Saga has no maximum age limits for new customers, and some of the highest overall levels of cover. Its winter sports add-on includes up to £400 in benefits if the piste you've booked closes due to bad weather.
85%
out of 140 ski insurance policies rated
Two of Covered2Go's policies are Best Buys. Its winter sports add-on is available with its three policies (Platinum, Gold and Silver). These are among a minority we rated that include search and rescue cover, paying up to £50,000.
82%
out of 140 ski insurance policies rated
To take out travel insurance with Barclays, you must have a current account with the bank. It's one of just two policies we saw that includes winter sports cover as standard. It's £10m medical cover includes the costs of rescue services should these be needed to get you to hospital - though this isn't applicable if you're not sick or injured.
81%
out of 140 ski insurance policies rated.
We surveyed over 1,000 people who'd recently been on ski holidays, asking them to rate their provider. Find out which seven firms we named as Which? Recommended Providers.
Most ski trip insurance policies will cover the following:
Getting injured on the slopes can be expensive. There's the cost of the treatment, which - depending on where you are - may be covered by the new Ehic replacement, the Ghic. But there's also the price of air ambulance rescue from the mountains and of medical repatriation if you need to be sent home.
Most ski insurance policies will cover emergency medical treatment costs up to the millions - but policies differ when it comes to paying for rescue services. Only a handful of policies we reviewed will pay out for search and rescue services (generally to far lower amounts than the costs of medical treatment) - though more will cover rescue costs where you're being brought to hospital in the event of an accident or illness.
If your skis, sticks or snowboards are damaged, stolen, or go missing, most policies will cover you for a few hundred pounds, although some go into the thousands. You can claim back the cost of your own equipment, or for hiring replacement equipment.
If you have to cancel or cut short your trip due to an injury, you can claim back the cost of what you missed. Cancellation limits range from £500-£20,000.
Very specific to winter sports breaks, ski insurance will cover you if an avalanche delays your skiing.
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.
Ski insurance can also cover events such as 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.
While considering specialised winter travel insurance, make sure you understand what isn’t covered.
If you go off the main ski paths and have an accident, your insurance may not cover the medical costs for that situation.
If you get an injury during apres-ski or while doing winter sports under the influence of drugs or alcohol, your insurance might not cover it.
For some policies, if you leave your belongings in public spaces or in plain sight, leading to theft, your policy may not provide coverage.
Your policy is unlikely to cover you if you travel against the advice of the Foreign, Commonwealth and Development Office. It's worth checking the country that you're travelling to by verifying travel advisories from the FCDO here.
Some policies require the use of specific safety equipment, such as helmets, for insurance coverage to apply. Failing to comply may mean that your policy is voided.
Certain extreme winter sports like heli-skiing, glacier climbing, and base jumping may not be covered by standard policies. Check if your activities require extra cover or specialist insurance.
Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now
Our editorial independence means we are able to work on behalf of consumers, not insurers. That means our reviews are fair and there's no hidden agenda.
Our winter sports policy score is our rating of the winter-sports elements of travel insurance policies.
In February 2025, we surveyed 59 travel insurance companies about their levels of cover and analysed 140 winter sports policies.
Alongside the 67 elements of cover we assessed that aren't specific to winter sports, for our ski cover scores we also reviewed if and how ski insurance is provided (as standard or as an add-on), limits for piste closures and avalanche cover, rescue cover, personal equipment - owned or hired - and for replacing a ski pass.
Initially, we score specific product elements out of five, reflecting how competitive each provider is in that area compared with other insurers. Then, based on our assessment of which elements are more or less important for customers choosing and using policies, we adjust the impact that each element has on the overall score.
Claims performance, service and price aren't taken into account - just the levels of cover.
Find the right policy for your holiday using the service provided by Confused.com
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