Winter sports Allianz - man skiing

Winter Sports Travel Insurance

  • Unlimited access to HealthHero - our 24/7 video or telephone GP helpline based in the UK.
  • Providing cover if your ski equipment is damaged, stolen, lost or destroyed on your trip. This includes equipment you own and equipment you’ve hired.
  • Covering the cost of extra transport and accommodation if you cannot reach your destination or get back home because of an avalanche.
  • Protection against the closure of ski lifts, ski schools and piste at your resort due to weather.

Whether you’re skiing in the Alps, snowboarding in the Rockies or sledging down the slopes of Alaska, our Winter Sports insurance with ski cover will protect you and your equipment. From lost, stolen or damaged ski equipment and piste closures to mountain rescues and repatriation, our winter sports insurance is designed to help give you peace of mind. Even if you hit rough terrain, we can help to smooth the bumps along the way.
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With our ski insurance add-on, you receive the same level of protection you get with our standard travel insurance policies, but with additional cover for unique risks associated with winter sports. You can add winter sports cover to your policy to protect yourself and your equipment when taking part in sports like skiing and snowboarding.

With our ski travel insurance, you get all the great benefits of our Silver or Gold policies, depending on which level of winter sports insurance cover you choose. You can choose either a Single Trip policy, an Annual policy or a Backpacker  policy, depending on how you travel. These policies will include cover for:

  • Cancelling or curtailing your trip
  • Emergency medical and associated expenses
  • Loss of passport*
  • Delayed personal possessions
  • Lost, stolen or damaged personal possessions*
  • Loss of personal money*
  • Personal accident cover
  • Missed departures
  • Delayed departures
  • Personal liability
  • Legal expenses
  • End-supplier failure**
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  • *Not available with Bronze level cover
  • **Only available with Gold level cover
  • Terms and Conditions apply.
     
Our various policies offer different payment limits and excess amounts, so please read your policy documents to ensure you understand the limits of your cover.

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Avalanche Closure
Cover for extra transport and accommodation if you cannot reach your destination or back home because of an avalanche
£250
£250
£250
Cancellation
Provides cover if you cancel your journey before it begins due to certain necessary circumstances. The circumstances covered are listed in your Policy Document.
£2,500
£5,000
£2,500
Curtailment
Provides cover if you cut your journey short due to certain necessary circumstances. The circumstances covered are listed in your Policy Document.
£2,500
£5,000
£2,500
Delayed Departure
Cover if your departure is delayed by more than 12 hours. Benefits apply after the first 12 hours delay and additional benefits apply after each extra delay of 12 hours. Your policy will specify the maximum payable. The circumstances covered are listed in the Policy Document. Alternatively, you may receive up to the amount specified in your policy, if you chose to abandon your journey or cancel your holiday after a 24 hour delay.
£250
£300
£250
Delayed Personal Possessions
Cover for purchasing essential items if your personal possessions are delayed for more than 12 hours on your outward journey.
£150
£200
£150
Delayed Ski Equipment
Cover to hire ski equipment if yours is delayed on the outward journey for more than 12 hours
£300
£300
£300
Emergency Medical Associated expenses
Provides cover if you are taken into hospital or you need to come home early or extend your journey due to illness or accident.
£5,000,000
£10,000,000
£5,000,000
End Supplier Failure
The insurer will pay up to the amount shown in your schedule of cover in total, for costs you incur as a result of insolvency of the end supplier that you made travel arrangements with prior to departure.
£1,500
GP 24/7 Online
GP consulation service over the phone 24/7 or online video conference between 8am and 10pm to discuss your medical concerns.
Included
Included
Included
Hired Ski Equipment
Cover for hired ski equipment, if it is lost, stolen or damaged on your journey.
£300
£300
£300
Legal Expenses
Provides a loan to take legal action for compensation as a result of your death, illness or injury during your journey. You must pay this loan back out of any compensation you receive.
£15,000
£25,000
£25,000
Loss of Passport
Cover for transport and accommodation costs to get a temporary passport and the equivalent value of the remaining period of it, if it is lost or stolen on your journey.
£150
£250
£150
Missed Departure
Cover for extra transport and accommodation if you arrive at your departure point too late to board your booked transport due to: public transport not running to its timetable or the vehicle you are travelling in has an accident or breaks down.
£1,000
£1,500
£500
Owned Ski Equipment
Cover for ski equipment, if your own is lost, stolen or damaged on your journey. Your policy will specify the most you can claim for a single article.
£400
£400
£400
Personal Accident
Provides cover if following an accident your injuries lead to death, total loss of sight/limb or permanent disability. An accident must be caused by something external and visible.
£15,000
£20,000
£15,000
Personal Money
Provides cover if your personal money is lost or stolen on your journey. Cash limits also apply
£500
£500
£500
Personal Possessions
You are covered for up to your policy limits if your personal possessions are damaged, lost or stolen on your journey. Your policy will state the maximum amount you can claim for a single article, as well as the total amount you can claim for all your valuables. A deduction may be made for wear, tear and loss of value.
£1,500
£2,000
£1,500
Personal Liability
We cover financial consequences of your personal liability during your private life (bodily injury, damage to property and consequential loss).
£1,500,000
£2,000,000
£2,000,000
Piste Closure
Provides cover if you cannot ski at the ski resort you booked before your journey because there is not enough snow and the ski lifts and the ski schools are closed.
£200
£200
£200
Ski Pack
Cover for hired ski equipment, ski school fees and lift passes that you do not use because you cancel or cut short your journey or you cannot ski because of an injury or illness during your journey
£300
£300
£300

Taking part in winter sports like skiing and snowboarding comes with some risks, so make sure you take steps to prevent accidents on the slopes.

  • Wear a helmet - Protect yourself from serious head injuries when taking part in winter sports, many ski resorts make helmets mandatory for these activities
  • Wear appropriate clothing - You'll want to invest in a good waterproof ski jacket and trousers to keep you warm enough and to help you stay dry when you land in the snow.
  • Stay in the roped areas - Going outside of the designated resort boundaries can put you at risk of getting lost or caught in an avalanche, especially if you're inexperienced.
  • Wear sunscreen - Though most of your body will be covered, you'll want to avoid the dreaded skier's sunburn on your face so be sure to keep topping up the sun lotion for any exposed areas.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

Having a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to the government-provided healthcare of the European Union country you are visiting and lowering the medical costs you would normally expect to pay. Although this is a good addition to take on holiday, it should not be seen as a replacement for travel insurance which could provide you with further protection and peace of mind whilst you are abroad. Our travel insurance policies can protect you against many unforeseen eventualities.
Medical solutions icon
HealthHero 24/7 GP telephone and video consultations
Medical solutions icon
Our travel insurance policies provide you access to HealthHero – a 24/7 GP telephone and video consultation service* – which connects you with a UK GP to provide the reassurance and professional medical advice you need while you’re travelling abroad.
 
*For video consultations, time restrictions apply and UK Bank Holidays are excluded.
Like to hit the slopes as often as you can or also planning a Summer break? Then our Annual travel insurance with ski cover could be a good option for you. You’ll be covered from the Rockies to the Alps with an annual multi trip policy, no matter how many times you go away in a year.
If you’re only taking one trip to the pistes this year, our Single Trip ski insurance could be perfect. Whether you’re learning a new skill or mastering a hobby, you can fly down the slopes with confidence. Get cover for one off trips and winter sports activity with a single trip policy. 
There’s no greater joy than skiing with the whole family. Our family travel insurance with ski cover helps keep everyone protected.
From 5th May 2021 we will no longer be offering travel insurance policies to cover people’s pre-existing medical conditions. This is only a temporary measure due while we make improvements to our online booking engine. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.
Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. From 5th May 2021 we will not be able to provide cover while you take part in riskier Category 2 and Category 3 sports and leisure activities like kite surfing and rugby. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. 
Après-ski entertainment is best enjoyed with friends. Get group travel insurance for your party, and make your next skiing holiday one to remember.
Bulgaria has many hidden treasures that are begging to be explored and a history that no other European country can match. Ski your way through Bansko or explore Sofia with Travel Insurance for Bulgaria.
From Chamonix to Val d’Isère, France is a premier destination for ski lovers. Get travel insurance for skiing in France with our European cover.
Witness the majestic beauty of the Northern Lights or ski your way across Italy. Europe has a destination for almost every type of holiday.
Understanding our claims process

You'll need your policy number to submit your claim to us. This is available in your certificate of insurance which is sent to you when you take out cover. 

It's a good idea to take your policy information with you on your trip so you can provide us with all the necessary details in order for us to help.

 

Once we receive your claim, it'll be assessed by our experienced team. 

To speed up the assessment of your claim please make sure to include all applicable information and evidence such as receipts, booking confirmations, hotel reservations and crime reference numbers. If you fail to provide all the necessary information this will cause a delay in processing your claim. 

Once our team has assessed your claim we'll be in touch with you via your preferred contact method to confirm the outcome and inform you of any next steps.

 

 

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Alternative Cover Options For Pre-existing Medical Conditions

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers featured in the MoneyHelper directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm)
or
Email: traveldirectory@maps.org.uk