Off-Piste Ski Travel Insurance

Unfortunately, we can only offer off-piste ski travel cover to UK residents.

We offer cover for over 100 different activities, which you'll be able to see in the policy wording or during the quotation process. Note that for off-piste ski travel insurance you will need to select level 3 or 4 when adding your sports activities cover (depending on the skiing activities to be undertaken).

1. Select either our single or annual multi-trip cover, and the level of cover you need: Active Standard Cover or Active Plus Cover. Both offer the same type of cover but with higher limits for some areas with Active Plus cover. Please refer to the wording for further details to determine which level of cover is suitable for your needs.
2. Pick the region(s) you'd like cover for:
   • Europe only
   • Worldwide (excluding USA, Canada & Caribbean)
   • Worldwide (including USA, Canada & Caribbean)
3. Specify who needs to be covered:
   • An individual (just you)
   • A couple (you and your partner)
   • You (one adult) and children
   • A couple with children (you, your partner and children)
4. Select the level of cover required from over 100 different activities covered. The level of cover chosen will depend on the type of sports and activities to be undertaken.

To gain cover for off-piste skiing you should purchase cover for activity level 3 or 4. All FAQs below apply to those who have included these cover levels in their policy.

Other activities we cover that are likely to be found at a ski resort include (but are not limited to):

• Dogsledding
• Ice skating
• Sledding
• Tobogganing
• Snow biking (on and off-piste - within resort boundaries)
• Snow kiting
• Snow rafting
• Snowmobiling

Our insurance can cover a wide range of sports, from cycling to quad biking, but premiums will range according to the sports you need cover for. You will be able to find this out during the quotation process.

Our multi-trip policy can cover up to 31 days of cover for these activities per insurance year.

Yes, we cannot offer cover for any competition; free-style skiing or snowboarding; ski or snowboard jumping; ski-flying; ski or snowboard acrobatics; ski or snowboard stunting; ski racing; national squad training; or the use of skeletons. See your policy wording for full details.

Yes, levels 3 and 4 cover up to £500 of winter sports equipment (skis, bindings, ski boots, ski poles, snowboards and specialised clothing) and £300 for replacement equipment hire, if your equipment is lost, damaged or stolen, or if it delayed for more than 12 hours on your outward journey.

Our multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.

We can offer our annual multi-trip policy to people up to the age of 75 and our single trip policy to people up to the age of 80. Note that the maximum trip length for the multi-trip policy drops to 31 days (as opposed to 60 days), for policyholders over the age of 65.

This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.

We can cover people with many common medical conditions. An extensive list of medical conditions covered can be found in the policy wording. However, if you are unsure, please call the Medical Screening Service on +44 (0)330 660 0563.

The Money Advice Service (MAS) have developed a directory of specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance.

If you would like to check the quote provided by us is the best for you, you may contact them for details of these providers to obtain a comparison by calling 0800 138 7777 or visiting their website.

You can also see more information on OK to Travel.

If you are travelling in the EU, you can apply for either:

• a UK Global Health Insurance Card (UK GHIC)
• a UK European Health Insurance Card (UK EHIC), if you have rights under the Withdrawal Agreement

Find out more about the Withdrawal Agreement on GOV.UK

For most people, the UK Global Health Insurance Card (UK GHIC) replaces the existing European Health Insurance Card (EHIC) for new applications. You can apply for one at: https://www.nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-uk-global-health-insurance-card-ghic

No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.

It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.

You can cancel your policy within 14 days of receiving it, if you have not travelled, made a claim, or intend to make a claim.

Our sports travel insurance includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.

If your holiday is cancelled due to reasons covered under your policy conditions, you may be able to make a claim. A number of covered reasons:

• Injury, serious illness, death of yourself or anyone you were intending to stay or travel with, an immediate relative or close business associate
• If you become pregnant after policy purchase or booking trip (whichever is later) and will be more than 26 weeks pregnant at the start of or during your trip. Or if a medical practitioner advises not to travel due to pregnancy complications.
• If you are called to jury service, court as a witness (excluding expert witnesses), or redundancy.
• If you are posted overseas or required for emergency or unavoidable duty and work in the: medical, nursing, armed forces, police, fire, or ambulance services.
• If FCO or WHO advice prohibits all but essential travel.

Please check the policy wording for further details on holiday cancellation cover.

If you have an accident or are ill, you will be covered for the unused portion of your ski school, lift pass and winter sports equipment - up to the value of £150 per week.

Yes, the standard excess per claim is £150. Please note that a higher excess of £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service in Nepal.

If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.

Yes: please see the endorsement on this page for more information.

We cannot include car hire excess cover as part of this policy. However, our sister company insurance4carhire offers single trip and annual car hire excess cover.

No, this policy is only for leisure skiers.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.