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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

Why Get Adventure Sports Travel Insurance?

Travel insurance often excludes high-risk sports, credit card travel insurance often excludes high-risk activities, travel insurance for high-risk sports, how to get travel insurance for high-risk sports, what sports travel insurance costs, how to choose travel insurance for high-risk sports, the best sports travel insurance plans, final thoughts.

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Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports. 

Whether diving the ocean’s depths or ziplining through a forest, sports travel insurance can help you go confidently on adventures knowing you’re covered if anything goes wrong. Whether you need emergency assistance and evacuation or a reimbursement for a trip cut short by injury, travel insurance with sports coverage can help.

While standard travel insurance typically offers medical coverage, most policies exclude certain activities, particularly risky sports. But you can purchase a travel insurance policy that provides coverage for all your adventures , either as a stand-alone policy or an add-on to a comprehensive travel insurance package.

Let’s explore everything you need to know about travel insurance for sports and adventure activities and how to get that coverage for any high-risk activities you may plan for your travels.

Adventure sports travel insurance covers activities such as mountain climbing or deep-sea scuba diving (i.e. any activity that has a higher risk level than a “regular” travel activity).

While accidents can happen anywhere, you’re particularly vulnerable when away from home. Medical expenses and evacuation can be costly , especially if traveling to remote areas or a foreign country where you’re unsure about quality medical care. Sports travel insurance covers emergency medical expenses, ambulance services, and evacuation.

Some travel insurance companies offer emergency assistance services , which can help you get the medical care you need in a remote location or challenging environment. The travel insurance company can provide access to medical professionals, coordinate your care, and arrange an emergency evacuation if needed.

For example, if you’re climbing a mountain and break a leg, adventure sports travel insurance can help get you off the mountain and connected with medical care.

Adventure sports travel insurance can also help if a sports-related injury requires you to cancel or interrupt your trip or if you experience equipment loss or damage. That can save you money on non-refundable expenses and help you replace sports equipment.

While getting travel insurance is wise, you should understand that standard travel insurance policies may not include coverage for certain sports activities . Some travel insurance plans offer coverage for sports-related injuries and accidents, but others may have exclusions or limitations for high-risk or extreme sports.

When you purchase a travel insurance policy, review the terms and conditions to know which sports and activities are covered and any exclusions or limitations you may need to work with. Usually, travel insurance medical coverage encompasses unexpected accidents or injuries, which can include some sports like hiking or snorkeling, for example. But extreme or high-risk sports such as white water rafting or skydiving may not be included.

Manta Rays in Maldives

Exclusions depend on the insurance policy, but here are some examples of sports and activities that your standard travel insurance policy may not cover:

  • Base jumping
  • Bungee jumping
  • Martial arts and combat sports
  • Motor racing and motorsports
  • Mountaineering and rock climbing
  • Off-piste skiing and snowboarding
  • Paragliding and hang gliding
  • Scuba diving and deep-sea diving

If you find your travel policy lacking in coverage for the activities you’ve planned, you should consider getting additional coverage, such as a specialized sports travel insurance policy or add-on coverage.

Don’t expect your credit card travel insurance to cover extreme sports. 

While you should read the terms and conditions of the policy, most credit card travel insurance policies exclude risky activities , which extends to sports considered extreme. 

Credit card travel insurance often covers basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents. For example, the Chase Sapphire Reserve ® has premium travel insurance, offering up to $1 million in travel accident insurance, along with emergency evacuation and transportation insurance, emergency medical and dental benefits, and other travel insurance benefits.

If you plan to do high-risk activities and use credit card travel insurance, check your coverage and consider upgrading your travel insurance to include your desired activities.

Credit card travel insurance is helpful but sometimes limited, especially compared to adventure sports travel insurance policies. You may need to pay for travel insurance if you’re planning extreme sports or activities.

As you plan an adventurous trip, consider which travel insurance coverage may be most appropriate for your plans. Some travel insurance policies are comprehensive and cover multiple types of high-risk sports, while others are more specialized. 

Because there’s a wide variety of what’s covered (or not) on each policy, using a travel insurance comparison service such as Squaremouth can be helpful. You can search for travel insurance policies that cover the activities you’re looking for and compare costs and coverage.

Consider these types of adventure travel insurance policies or add-ons:

  • Adventure Sports: On an adventure sports travel insurance policy, look for covered activities such as hiking, mountaineering, or rafting. The policy may encompass injuries, medical expenses, trip cancellations or interruptions, and equipment loss or damage.
  • Extreme Sports: Travel insurance for extreme sports typically covers skydiving, bungee jumping, or rock climbing, providing coverage for accidents, injuries, medical expenses, and emergency evacuation.
  • Sports Equipment: Some travel insurance offers coverage for sports equipment, which can reimburse you for loss, theft, or damage to your gear.
  • Team Sports: A travel insurance policy may cover team-related expenses, such as tournament cancellations or travel delays if you travel for competitive events.
  • Water Sports: Water sports travel insurance policies may cover surfing, diving, snorkeling, or water skiing. For diving coverage, you should verify that the policy covers the depths you’re planning and whether you need certifications for coverage.
  • Winter Sports: Winter sports travel insurance policies are designed for winter sports enthusiasts, offering coverage for skiing or snowboarding-related injuries and emergency medical expenses or equipment loss or damage. Some also cover ski resort closures.

While you can get travel insurance for sports, including high-risk sports, most travel insurance companies have personal liability requirements . Generally, you’re required to act responsibly to use your coverage. That includes not going against local authority warnings, like entering restricted spaces, working close to dangerous animals, or not using proper safety equipment.

Do some pre-trip planning on your chosen activities to learn about the risks and requirements for everything you want to do. You may need to complete certifications or training to participate safely.

Generally, if you want travel insurance for adventurous activities, you should get quotes for a comprehensive travel insurance plan and add a hazardous sports rider. Or specialized insurance providers may offer comprehensive plans for high-risk sports and activities.

Looking for insurance companies specializing in adventure sports is often a good idea to get comprehensive coverage for all your planned activities. 

With any travel insurance policy, you should review the terms and conditions to verify your planned activities are covered. Read your policy documents for exclusions, limitations, or requirements for your chosen activities. You should also verify your coverage limits. 

If you have a health or life insurance policy, check with your insurance carrier about coverage for high-risk sports during travel. While these are likely not covered, you may be able to add a special endorsement to your policy.

Travel insurance that can evacuate you off a mountain sounds like it would be costly, but it might be more affordable than you’d think. It’s certainly less expensive than calling for your own rescue helicopter.

You should expect to pay around 5% to 10% of your total trip cost for sports travel insurance. Your actual adventure sports travel insurance costs will vary depending on your age, trip cost and duration, location, planned activities, and other factors. 

To give you an idea of what you should expect, we got a quote from IMG for an iTravelInsured Travel Sport policy. For a 29-year-old traveler on a $1,500 5-day skiing trip in the U.S., coverage costs $119.65 . 

IMG adventure sports travel insurance quote

This policy includes $1 million in medical evacuation coverage and $50,000 in search and rescue coverage. You’re covered for up to $50,000 for medical expenses due to adventure or organized sports, though hazardous and extreme sports are limited to $5,000.

Consider these factors as you compare high-risk sports travel insurance coverage:

  • Claims Process and Customer Support: Get the details on what happens if you need emergency assistance or want to file a claim. For example, find out how to get medical attention if injured in a remote area and whether you’re expected to pay upfront and file for reimbursement.
  • Cost: Expect adventure travel insurance to cost more than standard travel insurance. Cheaper policies tend to offer less comprehensive coverage, so consider your needs as you balance cost and coverage.
  • Duration: Some sports travel insurance policies limit the length of coverage for certain activities, so make sure you have coverage for your whole trip.
  • Emergency Assistance and Evacuation: You may engage in high-risk activities in remote locations or challenging environments where medical attention is unavailable immediately. A travel insurance policy can offer emergency assistance or evacuation for medical care.
  • Exclusions, Limitations, and Deductibles: Every policy has limits — even extreme policies. Find out what’s excluded, the limits of what you can claim, and if you’re expected to pay a deductible before getting reimbursed. Also, understand the terms and conditions, such as duration and geographical coverage.
  • Medical Coverage: With a greater risk of injuries from extreme sports, you should ensure that the insurance policy has adequate coverage for medical emergencies, including hospitalization, ambulance services, and, if needed, medical evacuation.
  • Requirements: You may need to meet age limits and disclose any preexisting medical conditions to get appropriate sports travel insurance coverage.
  • Reviews: Consider customer reviews and ratings, which can give insight into a travel insurance provider’s coverage quality, customer service, and claims handling.
  • Sports Coverage: Find out which sports and activities are covered so you can verify yours are covered.
  • Sports Equipment Coverage: If you’re traveling with costly sports equipment such as scuba gear or snowboarding equipment, compare coverage for loss, theft, or damage to your equipment.
  • Trip Cancellation and Interruption: A travel insurance policy should cover trip cancellation or interruption due to sports-related injuries.

Your high-risk sports travel insurance may require you to participate responsibly. For example, terms of coverage may require you to choose reputable operators, obtain proper training or certifications, follow local regulations, and use appropriate safety gear.

Not all travel insurance providers offer sports travel insurance, but you have options. Compare these leading travel insurance policies for sports:

  • battleface : battleface’s adventure sports coverage includes cycling, mountain climbing, scuba diving, canoeing, snowboarding, and more, but it has limitations, including how deep you can dive or how high you can climb.
  • Cat 70 : Cat 70’s Travel Plan covers some adventure sports, including snowboarding, but excludes bodily contact sports, skydiving, scuba diving, and more.
  • HTH Worldwide : The HTH Worldwide Trip Protector Preferred plan offers coverage for adventure sports, including certified divers up to 60 feet and water rafting grades 1 to 3.
  • IMG : IMG’s iTravelInsured Travel Sport plan has a wide range of covered activities, including adventure, extreme, hazardous, and organized sports. However, there are exclusions for races, endurance competitions, and piloting or learning to pilot.
  • John Hancock : You’re covered for some — but not all — adventure sports with a John Hancock Gold travel insurance plan. Some exclusions include diving deeper than 100 feet, participating in sports competitions, or contact sports.
  • Nationwide : With a Prime plan, you can get covered for adventure sports such as cycling, fishing, rafting, and zip lining, but exclusions apply, such as extreme sports, mountaineering, and organized sports.
  • Travelex : The Travelex Adventure Sports upgrade covers professional athletic events, mountain climbing, skydiving, and more. Travelex’s Travel Basic and Travel Select plans provide basic coverage for some activities, including skiing, snorkeling, and scuba diving up to 60 feet.
  • World Nomads : With the World Nomads Explorer plan, you can get covered for more than 200 activities, including scuba diving, bungee jumping, and mountain biking.

The right travel insurance coverage is essential when embarking on an adventurous trip with high-risk sports or activities. Adventure sports travel insurance can coordinate medical care, offer evacuation, and save you thousands if you’re injured on a trip. Whether bungee jumping or scuba diving, sports travel insurance can provide peace of mind while you’re chasing thrills.

Frequently Asked Questions

Are adventure sports covered by travel insurance.

Adventure sports can be covered by travel insurance, but extreme sports are usually excluded from standard travel insurance coverage. Review your policy’s terms and conditions to determine whether your desired activities are covered. If not, you may want to purchase additional coverage appropriate for the activities you’re planning for your travel.

Does travel insurance cover water sports?

Travel insurance coverage for water sports varies depending on the policy and provider. For example, your standard policy may cover snorkeling, shallow diving, and surfing but could exclude deep-sea diving or white water rafting.

Does travel insurance cover sports injuries?

Travel insurance often covers sports injuries, but it depends on the sport. If you’re injured doing a sport not covered by your policy — such as ziplining or skydiving — medical care for your sports injury will not be covered. 

What travel insurance includes cover for sports equipment?

Sports travel insurance typically offers coverage for sports equipment, which can reimburse you for loss, theft, or damage of your sports equipment while traveling.

What travel insurance company covers me for extreme sports?

Several travel insurance companies cover extreme sports, including battleface, Cat 70, HTH Worldwide, IMG, John Hancock, Nationwide , Travelex, and World Nomads.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Winter Sports Travel Insurance – The Ultimate Guide

  • August 28, 2023

snow sports travel insurance

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If you’re an avid winter sports fan and love to hit the slopes every season, you know that good travel insurance is of paramount importance. But do you know which one offers the best coverage?

Let’s explore the top providers and how they can give you the protection you need during your next winter sports adventure.

What is Winter Sports Travel Insurance?

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Winter sports travel insurance can provide peace of mind when traveling during the colder months. As you plan your snowy getaway, it’s essential to understand the risks associated with winter activities, such as skiing and snowboarding, and how a special winter sports travel insurance policy may provide you with the protection you need.

Winter sports medical emergency coverage can be critical if you are heading off to a ski resort or secluded area of the mountains on vacation because local healthcare facilities may not be available in an emergency.

With an insurance policy for winter sports travel, you’ll have access to specialized medical care in case something happens while enjoying your outdoor activities.

In addition to medical coverage, policies often provide coverage for stolen equipment, damage or loss of equipment due to breakdowns or delays during trips, and even trip cancellation due to bad weather.

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Additionally, some policies will cover avalanche search and rescue operations if they should become necessary. Knowing that these risks can easily be covered with a proper policy will help alleviate any concerns before beginning your winter vacation.

When selecting your winter sports travel insurance plan, it’s essential to read all of the details before purchasing. Different plans may offer different levels of coverage, so make sure that the one you choose meets all of your needs. 

When properly prepared and protected with a comprehensive plan before heading out on any ski trip or other winter holiday adventure, you’ll have less worry about what could go wrong so that you can enjoy all that nature has to offer when snow hits the ground!

Benefits of Winter Sports Travel Insurance

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Travel insurance for winter sports trips is a must for any traveler heading on an adventure to ski, snowboard, ice skate, or participate in other winter activities. Winter sports travel insurance provides protection from the unexpected dangers of winter sports trips.

Winter sports travel insurance covers you and your possessions in the case of an accident, trip cancellation or interruption, damaged or lost luggage, medical and evacuation expenses, and more. Many insurers even provide coverage for extreme sports such as heli-skiing and shark diving.

The benefits of winter sports travel insurance can include reimbursement for medical expenses such as ambulance rides, doctor’s visits, and surgery if you are injured while participating in a covered activity.

Trip cancellation benefits should you be forced to cancel your ski vacation before it begins, luggage loss protection should your equipment be lost or stolen, and additional coverages like collision damage waiver benefits if you rent snowmobiles or other equipment.

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Winter Sports Travel Insurance also offers coverage when renting expensive specialty sporting equipment such as snowboards, skis, snowshoes, or avalanche airbags.

With so much going on during winter vacations – icy roads, unpredictable weather conditions, high altitudes – it’s crucial to ensure that you have the financial backup to protect yourself from unexpected costs associated with participating in winter activities around the world.

Types of Winter Sports Covered

When traveling overseas to take part in winter sports activities, it is essential to make sure you have the right type of travel insurance . 

Different policies will cover different types of winter sports, and it is important to make sure your policy covers the specific activity you are planning to participate in. 

Here we look at some of the sporting activities typically covered by winter sports travel insurance policies:

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Snow Sports

These are activities that include skiing, snowboarding, tobogganing, mogul skiing, and heli-skiing. Policies typically cover associated risks such as an injury due to accidents while participating in these activities, damage or loss of equipment, including skis, snowboards, and helmets, or medical costs.

These are activities such as ice hockey and curling, where blades are used on ice surfaces for sliding or propelling objects. Insurance policies usually provide coverage for medical costs of an injury that occurred while participating in these activities, as well as any associated equipment damage or loss.

Winter Trekking

Many hazard-related risks can be encountered when trekking during winter months. Policies cover medical costs due to accident or illness while out on a trek (including rescue expenses) and associated equipment damage or loss while trekking during cold weather conditions.

Other Winter Activities

Have you planned other cold-weather activities, such as dog sledding? Most insurers will tailor a bespoke policy for activities such as these, ensuring adequate levels of coverage for all associated risks.

Key Considerations When Choosing Winter Sports Travel Insurance

When selecting winter sports travel insurance, there are several important things to consider.

First, it is vital to understand the type of coverage that is included in the policy and any additional coverage that may be needed for specific activities.

Having detailed financial coverage for medical expenses and any losses incurred during the trip is also a good idea.

It is also wise to read through the policy carefully, preserve it safely, and take special care to note critical details such as who is covered under the insurance plan and what activities are not protected . Additionally, bear in mind any exclusions, as they can play an important part when considering whether or not particular areas of coverage are suitable.

When buying winter sports travel insurance, make sure to keep an eye out for all added costs and estimated total premiums for full coverage.

You should also ask about discounts for multiple people traveling on one policy or longer stays in order to get a better deal on overall costs.

Finally, check the details of cancellations or non-refundable items when looking through potential policies to ensure you will be covered if something unexpected comes up during your travels.

Common Exclusions in Winter Sports Travel Insurance

Most winter sports travel insurance policies will have their own exclusions, limitations, and conditions that state what the policy does not cover. 

Winter sports traveler should read their policy very carefully to familiarize themselves with these exclusions, as they will often differ from one situation to the next.

Generally speaking, standard exclusions include the following:

  • Damage caused by intentional acts or illegal activities of the insured person.
  • Damage caused by drug or alcohol consumption.
  • Injuries due to participation in Motorsport or Motorsports related activities (including Skidoo and snowmobile).
  • Accidents resulting from air travel or air-related activities (including ski jumping & paragliding).
  • Unstable snow conditions (e.g., avalanches & chunks of ice falling off cliffs).
  • Poverty or deprivation of basic necessities.
  • Treatment for already existing injury or illness that is not complimentary with any other coverage you may have.
  • Outdoor/extreme sports such as mountaineering, rock climbing, and caving.
  • Loss of passports, visas, and documents.
  • Expenses incurred due to trip cancellations in advance of the policy commencement date.

How to Make a Claim on Winter Sports Travel Insurance?

Claims on winter sports travel insurance can be complicated, but it is important to understand how the process works before you purchase any policy.

Suppose something should happen while you are away, such as a sudden illness or injury, theft, equipment damage, or even a missed flight connection. In that case, the right winter sports travel insurance policy could help protect you against potentially significant losses.

When it comes time to make a claim on your policy, here are the steps to follow.

1. Contact your insurer urgently in case of an emergency resulting in urgent medical care or the potential loss of your personal possessions.

2. Get a police report if required and make sure that all relevant information is documented correctly when escalating your claim.

3. Collect all necessary evidence and documents, such as receipts that evidence either what you have spent or prove the value of items lost or damaged during travel-related incidents.

4. Submit forms accurately and with all required evidence before the stated deadline for claims under your chosen policy terms and conditions.

5. Have patience, as insurers may require additional information from you, dependent upon the nature of any given claim submitted under your policy terms and conditions.

6. Check with customer services to ensure that everything is progressing correctly. Before an insurer agrees to pay for something, they first need to check that it’s covered by the policy. This means looking at the limits that were set when the policy was agreed upon. If something isn’t covered, then the insurer won’t pay out.

It’s important to remember that both the payer and the provider need to have a clear understanding of what is and isn’t covered by the policy. If there is any confusion, then it’s best to get clarification before proceeding.

7. Finally, It’s important to keep detailed records of all correspondence with insurers in case you need to refer back to them at a later date. This will help you understand the cause of any problems and ensure that you get the full value to which you are entitled. Make sure that you follow all the requirements set out by the insurer so that there can be no confusion or misunderstanding about what is expected from you.

Tips for Making the Most of Your Winter Sports Travel Insurance

Insurance Diagram Showing Protection Coverage and Security _ Winter Sports Travel Insurance _ istheresnow.info

Winter sports have become increasingly popular worldwide, which means it’s more important than ever to ensure you have the best winter sports travel insurance in place before hitting the slopes.

Having travel insurance can provide invaluable protection when things don’t go according to plan and can save you a lot of hassle, wasted time, and unexpected costs.

When considering winter sports travel insurance, there are several tips to keep in mind that can help you make sure that you’re adequately covered:

1. Choose an insurance policy with a good range of coverage – Look into features such as medical evacuation coverage, delay and cancellation cover, and rental car damage coverage.

2. Look for policies that offer extra skiing and snowboarding features – Skiing or snowboarding with specialized equipment? Check that your policy provides cover for ski poles or snowboarding helmets should they break during your travels. Some policies may even reimburse you for costs should you break ski rental equipment while on holiday.

3. Consider buying several days more of coverage than your holiday length – The extra cost is usually negligible compared to other elements of your trip, but it often covers lost luggage and health care bills until your flight home arrives if anything unexpected happens during your trip (or shortly before).

4. Ask about group discounts – Many insurers will offer discounted rates if purchasing winter sports travel insurance as a group – worth checking out as additional savings!

5. Inquire about refunds or partial refunds – When pre-booking activities like ski lessons or lift passes, having pre-trip cancellation cover might be worth considering in case plans change (or activities need to be canceled due to inclement weather).

Summary of Winter Sports Travel Insurance

Winter sports travel insurance is an important consideration when planning a trip to any mountain or ski resort. Winter activities can be a source of excitement and adventure, but they also come with inherent risks that can potentially result in severe injury or financial loss.

Winter sports travel insurance offers protection in case of an accident or the suspension of your holiday due to unforeseen circumstances.

It typically covers medical care and related expenses, as well as personal liability and rescue costs associated with winter sports activities at a destination outside your home country.

This coverage may include skiing, snowboarding, ice skating, sledding, snowmobiling, and other related activities.

In some cases, additional forms of coverage can be included, such as coverage for lost/delayed baggage, missed flights/connections, and cancellations. 

Additional coverage for rental gear or gear depreciation may also be available. Comprehensive winter sports travel insurance should provide enough protection to ensure you return home safely from your winter vacation.

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Ski Travel Insurance Benefits

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White powder, cozy lodges, stunning views: A ski vacation is an unforgettable experience, whether you're traveling solo or with the family. But winter sports are as risky as they are exhilarating, and that's why you need ski travel insurance.

Three Things You Need To Know Before Buying Ski Travel Insurance

Comprehensive ski travel insurance coverage is essential if you're planning a winter adventure anytime soon. Here are the three reasons smart travelers buy trip insurance.

1. Ski travel insurance helps protect your investment.

With lift tickets, ski rentals, airline tickets and peak-season hotel prices, the expenses add up fast for a ski vacation. If you have to make a last-minute trip cancellation , you could lose a lot of money.

A good ski travel insurance policy covers not only trip cancellations, but also travel interruptions and stolen or lost baggage. If something goes awry, having travel insurance may help you recoup your investment and save your vacation.

2. Accidents and medical emergencies happen on a ski trip when you least expect it.

You might glide gracefully down black-diamond trails, but serious accidents can happen to the most experienced skiers. Or a sneaky cold or flu could ruin your long-planned vacation. Ski travel insurance policies may cover emergency medical evacuations and medical care, even on international trips . Look for a ski trip insurance policy that also covers trip interruptions, so if you have to cut your ski trip short, you can get back on the slopes when you're better.

3. When everything depends on the weather, ski travel insurance is a must.

You're wishing for fresh snow, but instead you get slush. Or a record-breaking blizzard closes the airport, leaving you stuck at home. You can't control the weather, but ski travel insurance keeps you from worrying about it. Many travel insurance policies cover ski trip cancellations, interruptions and delays due to weather. Make sure you review your insurance plan carefully before you buy, because not all plans offer the same coverage.

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Wander More. Worry Less.

If you're brave enough to take on a black diamond, or maybe vacationing with kids just starting out on the bunny slope, chances are you could use ski insurance. Travel insurance for your ski trip can cover injuries on the slopes and during your vacation and is designed to help with winter travel mishaps like flight delays, cancellations, illness and more.*

What winter sports are covered?

Our travel insurance plans can cover winter sports on your trip, such as skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more. You can also choose a plan designed to cover your sporting equipment if it gets damaged, lost, stolen or delayed. Just be sure that the purpose of your trip is not to participate in any organized amateur sports, professional athletic competitions or sporting events, as those are not covered by our plans.*

What can wreck a ski trip and how travel insurance can help

  • Injury & Illness
  • Equipment Issues

snow sports travel insurance

Winter Travel Chaos Each year winter storms cause cancellations and delays across the country, wrecking travel plans. If you’re forced to cancel or interrupt your trip, how much of that prepaid trip cost could you get back? Travel insurance can help you recoup losses for 20 different covered events that could cause you to cancel your travel plans. Pre-purchased lift tickets can even be covered.

snow sports travel insurance

Travel Delays Your flight is delayed for who knows how long in a winter blizzard. You need to decide whether to get a hotel, what necessities you'll need to buy, where to get dinner... Don't worry—Travel Delay coverage is included with every Generali travel insurance plan, so you can be reimbursed for reasonable out-of-pocket expenses, such as hotel accommodations, meals and transportation if you are delayed during your trip.*

snow sports travel insurance

Emergency Medical Accidents happen. Even to the most experienced skiers. Our travel insurance plans can help you with a wide range of medical needs while you’re traveling. Whether it’s a case of utilizing our emergency assistance services to see a local doctor for a prescription refill, filing a Medical and Dental claim after a visit to the emergency room because you slipped on ice during your trip, or the rare need to use the Emergency Assistance and Transportation coverage for medical evacuation by air ambulance, we’re there for you 24/7/365. 

Flu Season Last winter was one of the most severe flu seasons in recent memory. If your trip is canceled or interrupted for certain medical reasons, trip insurance can help you get reimbursed for non-refundable, pre-paid trip costs that weren't used and additional transportation costs to return home or rejoin your group on the slopes.

snow sports travel insurance

Medical Evacuation Get up to $1 Million in Emergency Assistance and Transportation coverage — crucial for the slopes. More than 220,000 people a year are treated for winter sports injuries in the U.S. 1  Medical evacuation from a ski resort or even from the mountain could require a helicopter, which is not cheap.*

snow sports travel insurance

Lost, Damaged or Delayed Sporting Equipment Flying with skis, a snowboard or other equipment? Travel insurance is one of the best ways to help protect your gear. Our  Preferred and Premium plans  include coverages especially helpful if your equipment is damaged, lost, stolen or delayed on your trip. And, you can get reimbursed for your rentals while your equipment is lost. INFO: Airlines worldwide lose or misplace more than 22 million bags a year. The property that was returned took an average of 1.76 days to get back to their owners.² How long could you go without your gear on a ski trip?

Compare Ski Travel Insurance Plans

Frequently asked questions.

If you lose your job and cancel your trip as a result, you could be reimbursed for your prepaid, nonrefundable, trip costs. Some requirements must be met.

Our plans don't include Trip Cancellation coverage for work obligations that cause you to cancel your trip, except in the case of unexpected active military duty due to a natural disaster or military leave being revoked. If you want travel insurance that can cover for this reason, consider purchasing our Premium plan and adding Trip Cancellation for Any Reason coverage . This coverage reimburses you up to 60% of the penalty amount when you cancel your trip for any reason ( requirements apply ).

If you become critically sick or injured during your trip and no suitable local care is available, all of our plans provide coverage for emergency medical evacuation and coverage to reimburse your medical and dental costs. In addition, Trip Interruption coverage can reimburse you for lost trip costs while you're in hospital, including prepaid lift tickets.

This can be extremely helpful if, for example, you have a ski accident on the slopes — it could even require medical transportation by helicopter, which could cost a lot.

Our plans also include 24-hour emergency assistance services that can provide immediate assistance if a traveler becomes seriously ill or injured on their trip.

Our travel insurance plans can cover skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more.

The Premium and Preferred plans include Sporting Equipment and Sporting Equipment Delay coverages that can cover winter sports equipment you might bring on a trip, except motorized equipment, dental wear and eyewear.

If your sporting equipment is damaged, lost or stolen during your trip, Sporting Equipment coverage can reimburse the costs to repair or replace your sporting equipment. The Premium plan covers up to $2,000 and the Preferred plan covers up to $1,500.

Sporting Equipment Delay can reimburse you for the cost of locating your delayed Sporting Equipment and having it returned to you, and the cost of renting equipment in the meantime, up to the coverage limit.

The fine print says: "We will not pay for damage to or loss of boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances." See the DOC/Policy for more details.

Bad weather is always a risk when traveling during the winter. If a winter storm hits, flight cancellations and delays are bound to happen and you may take on some unplanned costs. If this happens, the Trip Interruption coverage included with travel insurance can cover for additional expenses to help get you to your destination and onto the slopes or back home, in addition to reimbursing you for lost trip costs. Travel Delay coverage is also included for certain out-of-pocket costs, such as meals, local transportation or even additional lodging or parking charges.

If a weather event, like a blizzard is foreseeable prior to you purchasing the insurance plan, then travel insurance may not cover it. If the plan is purchased after a storm is named, coverage is not provided for losses resulting from that named storm.

Read more about how travel insurance can help when you travel during the winter

  • U.S. Consumer Product Safety Commission
  • SITA Baggage Report 2018

*Terms and conditions apply.  See plan details  for more details .

Generali Global Assistance

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As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

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skiing and snowboarding vacation travel insurance

Travel Insurance for Skiing and Snowboarding Trips

Planning a snowsports vacation? Find the best skiing insurance to cover your trip and yourself.

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Molly Corry is an English literature graduate, travel writer and PR professional specializing in travel advice. Based in Leeds, England, when she is not writing, she enjoys attending dance classes and exploring new travel destinations to get inspired for her next piece of content.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Whether you’re a skiing or snowboarding newbie or a slalom expert, there’s nothing like the thrill of hitting the slopes. But amidst the excitement, it’s important to remember these winter sporting vacations come with certain health risks and dangers.

The last thing you want to experience during your vacation is an injury that puts you in line for travel medical care . Travel insurance for skiing or snowboarding trips is an important way to protect your vacation investment and your health on your trip.

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The Risks of Skiing and Snowboarding

The main risks associated with skiing and snowboarding, especially when traveling internationally, are the following:

  • Injury: These sports both involve speed and navigating down steep, snowy slopes. This creates inherent injury risks. Common injuries include fractures, torn ligaments, dislocated shoulders, concussions, etc. Risk may be higher when skiing/riding at unfamiliar resorts with unknown terrain.
  • Remote areas: Many resorts are located in very remote mountainous regions, miles from advanced medical care. This can be concerning if injured or in a serious accident when abroad, as access to good hospitals may be limited. Evacuations can also be complex.
  • Extreme weather: Mountain weather can change rapidly, leading to low visibility, high winds, frigid temperatures, etc. This is especially dangerous if unprepared gear- or experience-wise.
  • Altitude sickness: Most resorts are at high elevations of several thousand feet or more. This can trigger headaches, nausea, fatigue and other altitude illness symptoms in some people, especially when arriving from lower elevations. Staying properly hydrated and allowing time to acclimate is key.
  • Costs of medical care: Any injury or illness requiring medical treatment will likely be very expensive if overseas without ample travel insurance. Skiing and medical transport from the slopes can rapidly escalate into thousands or tens of thousands in costs without insurance.

The risks can be managed with proper lessons, smart terrain choices, measured pace of advancement, use of protective gear, staying apprised of conditions, traveling with a companion, and securing travel insurance for the trip dates and locations. But the risk profile is inherently a bit higher than most other types of vacations. Careful preparation is a must to minimize this.

Snow or Winter Storm Interruptions

Choosing specialized travel insurance for skiing and snowboarding vacations will supply you with a backstop if you miss a curve and can’t control your skis or snowboard. These policies are tailored to cover the unique risks associated with these activities.

With insurance in place, you can enjoy your vacation knowing you’re protected against an array of potential mishaps and emergencies. Medical expenses for injuries on the slopes can be expensive, particularly in cases that require emergency evacuation, such as air ambulance rescue from the mountains or medical repatriation. Costs only go up if you have an injury that requires immediate surgery.

Beyond medical coverage, your insurance can also pay for trip interruptions and cancellations. You can claim reimbursement for the remaining costs if an unexpected injury forces you to cancel or cut your trip short.

You also may be eligible for compensation if an avalanche causes delays or piste closures. Your insurance might also protect against the loss, theft or damage of sports equipment — a valuable benefit given the high cost of such equipment and rentals.

Specialized insurance tailored for adventure sports vacations ensures that you’re protected against potential financial setbacks, allowing you to enjoy your adventure without unnecessary worries.

Skiing and Snowboarding Equipment Coverage

Equipment coverage is often considered essential for people who embark on skiing or snowboarding trips. Here are the typical available coverage options.

Equipment Theft Coverage

Equipment theft coverage supplies financial reimbursement if your gear gets stolen during your trip. However, you must review the policy’s fine print to decide the specific circumstances in which you are protected. For instance, confirm whether you are covered for theft at the ski resort, in your accommodation or during transit.

Equipment Damage Coverage

Equipment damage coverage protects you if your equipment sustains damage. Whether it occurs on the slopes or during transportation, this coverage ensures you’re covered for repairs or replacement.

Equipment Loss Coverage

It is always worth checking to see if your policy includes coverage for lost equipment. Losing your gear can be a frustrating and costly experience, so it’s best to have the appropriate protection in place should anything go missing.

Rental Equipment Coverage

Rental equipment coverage is an invaluable feature for people renting their skiing or snowboarding gear on their winter sports holiday. This coverage protects you if your rented equipment gets damaged or stolen or goes missing.

Choosing the Right Ski Travel Insurance Policy

When choosing a travel insurance policy for your snowboarding or ski trip, it’s important to prioritize protection for potential medical emergencies, trip cancellations and interruptions.

The right coverage will allow you to enjoy your time on the slopes without worrying about unforeseen circumstances. Finding the most suitable travel insurance plans involves researching insurance companies, comparing prices and coverages and looking at claims performance. Price comparison websites can be useful when trying to find cheap skiing or snowboarding vacation options.

You’ll first want to check the limit on how much coverage you can buy from various plans. You should also pay attention to age restrictions. Some policies may not cover senior travelers or those above 65, while others don’t have any age limit.

If you have pre-existing medical conditions , obtaining travel insurance coverage is possible but it usually costs more. Check whether your conditions are covered under the policy.

You’ll also want to verify that the cost of lost, damaged and stolen equipment is covered because snowboards and skis are expensive. Lastly, review the exclusions to know exactly what the policy’s limitations are.

By weighing these factors and looking at your trip cost, you can make an informed decision about picking the best travel insurance for your skiing or snowboarding vacation.

Benefits of Winter Sports Travel Insurance

Obtaining health insurance specific to winter sports vacations like ski trips offers multiple benefits. You get coverage for a range of situations, including healthcare expenses, trip interruptions and cancellations, medical evacuation and equipment loss, theft or damage.

You can also expect coverage for piste closures and delays caused by avalanches. And if you can’t use lift tickets you bought because of unforeseen circumstances, you may be eligible for reimbursement for those, too.

Securing the proper insurance coverage will allow you to relax and enjoy your trip, knowing that you are protected against all of the most common issues that could arise.

Tips for a Safe Skiing and Snowboarding Trip

Here are some tips for keeping safe on your snowboard or ski vacation.

Wear Appropriate Safety Gear

One of the most effective ways to stay safe on the slopes is to wear the right safety gear. Wear a well-fitted helmet to protect against potential head injuries , invest in goggles or sunglasses to shield your eyes from the sun, and consider using wrist guards for added protection.

Know and Follow the Mountain Rules

Take time to familiarize yourself with the rules and regulations of the mountain before hitting the slopes. Pay attention to speed limits, warning signs and any specific guidelines the ski resort provides. Adhering to these rules will help maintain a safe environment for all skiers and snowboarders.

Learn Trail Difficulty Levels

Know your skill level and choose slopes that align with your capabilities. Don’t overestimate your abilities and venture onto trails that may be too challenging. Selecting appropriate routes will reduce the risk of accidents and injuries.

Practice Responsible Skiing and Snowboarding

Practice responsible skiing and snowboarding by being mindful of others on the slopes. Stay on marked trails, keep a safe distance from fellow skiers and snowboarders when passing or merging, and avoid attempting maneuvers or slopes beyond your skill level. Respecting mountain etiquette ensures a safer and more enjoyable experience for everyone.

Is Ski Insurance Worth it?

Opting for specialized travel insurance for skiing and snowboarding vacations is the best way to ensure financial protection if unforeseen circumstances alter your trip. These policies are specifically designed to cover the risks associated with adventure vacations: medical emergencies, equipment issues and trip interruptions.

Choosing specialized sports coverage will leave you confident that you’re ready for challenges that may arise during your adventure on the slopes.

When choosing insurance for skiing and snowboarding vacations, carefully review the policy and understand its exclusions. This ensures that you have the coverage you need to enjoy your trip to the fullest.

Frequently Asked Questions About Travel Insurance for Winter Sports

What is travel insurance.

Travel insurance is financial protection for travelers in case some event alters the trip in a major way. It offers a range of benefits that can safeguard against various risks and unexpected events that may arise before or during a trip.

Are skiing accidents covered by insurance?

Should you get into an accident while skiing, your travel insurance will pay some expenses, depending on the policy. Your policy can cover you for injuries and emergency help. However, you must review the specific terms and conditions of your policy to understand the extent to which you’re covered.

Do I need travel insurance for skiing in France?

Whether you’re skiing in France or any other winter sports destination, we highly recommend getting travel insurance. Engaging in adventure sports always involves an element of risk, and having the right coverage in place is the best way to ensure that you’re protected against circumstances that negatively affect your trip.

What is the difference between travel insurance and trip cancellation insurance?

Travel insurance provides comprehensive coverage across different parts of your vacation, such as medical and trip interruption coverage. Trip cancellation insurance is more limited. It specifically focuses on protecting you if you need to cancel your trip or cut it short because of unforeseen circumstances.

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How Travel Insurance Can Rescue a Ski Trip

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Trip delay or cancellation coverage

Accidental injury, travel inconvenience, lost or damaged equipment, should i insure my ski trip.

Snow in the forecast can send winter sports enthusiasts flocking to the mountains for some fresh powder. But unpredictable weather doesn't always make for the easiest travel. Inherently, ski trips might be one of the riskiest to book since you can spend big bucks on ski lift tickets, lodging, airfare and equipment rentals, only to lose the money if the weather doesn't cooperate or an injury occurs.

These kinds of travel woes could affect more travelers as skiing and snowboarding grow in popularity. According to the National Ski Areas Association, there were more than 60 million visits to U.S. ski slopes during the 2021-2022 season, the highest since the organization started keeping track in 1978.

To reduce the risk of losing money on an interrupted or canceled ski trip due to adverse weather, travel insurance can be an option to consider. Some of the more common travel insurance benefits, such as trip delay or cancellation coverage, can come in handy for vacations in winter destinations. Plus, some travelers might already have those benefits through a travel credit card .

» Learn more: The best travel credit cards right now

Standalone travel insurance plans, which can offer more specific coverage tailored to ski trips, are also available. With these policies, travelers can get reimbursed for more particular expenses related to winter sports travel. 

Here are the types of coverage travelers can expect to find when shopping for travel insurance for a ski trip.

Trip delay and cancellation coverage is a standard part of most travel insurance plans and can benefit those heading toward winter weather. For example, if flights are delayed because of a snowstorm, this type of coverage can help travelers get money back for days they might've missed at the resort. This usually includes reimbursements for nonrefundable travel expenses such as prepaid lift tickets, equipment rentals and other similar expenses.

Trip delay and cancellation insurance could also pay for extra meals and lodging that travelers may have incurred as a result of a delay.

One important caveat is that this coverage usually kicks in for covered reasons only. An airline delaying a flight would be covered, but a traveler looking at the weather report and wanting to bail on the trip for fear of getting stuck wouldn't be. 

Skiers and snowboarders who want complete flexibility to cancel as they please should consider Cancel For Any Reason insurance. This coverage is a special add-on that costs more, but travelers typically receive 50% to 75% of their travel costs back if they cancel for any reason.

» Learn more: 10 best ski hotels to book with points

Injury is another big risk for ski trips. Injured skiers and snowboarders would most likely have to cut their trip short. That's when ski travel insurance with trip interruption coverage would help pay for the costs associated with returning home early.

Note that this coverage differs from travel medical insurance and medical evacuation insurance . Injured travelers will typically have to use some combination of their regular health insurance and travel medical insurance from their winter sports insurance policy (regardless if it's provided through a credit card or bought separately). 

"Depending on where you're skiing, your home health insurance might cover you for an accident. But it also might not if you're outside of your home health network, and certainly not if you're traveling internationally," says Stan Sandberg, co-founder of TravelInsurance.com.

Advanced skiers and snowboarders will likely need even more coverage. If adventuring into the backcountry, outside of resort bounds or heli-skiing, consider getting additional insurance coverage for adventure sports. 

» Learn more: How to save on a ski trip

This is a vague name for coverage, but it's a good add-on to a travel insurance policy for winter sports trips. "Travel inconvenience," sometimes called "Lost Skier Days," will reimburse travelers if the resort closes because of too much or too little snow.

This type of coverage is typically available from Dec. 1 to March 31 for resorts in the Northern Hemisphere and can reimburse up to $125 in lost expenses per day.

Many travelers are familiar with baggage loss or delay coverage , but some might not know that expensive ski or snowboarding gear might not be covered entirely. After all, typical travel insurance policies insure up to a certain dollar amount only. So if the airline loses your expensive skis, you might not be reimbursed for the full value.

Getting ski travel insurance with coverage for items like skis and snowboards can help. With this coverage, if your gear is delayed, the ski insurance provider will reimburse you, up to a limit, for equipment rentals.

If you're worried about losing the nonrefundable costs of your winter sports-focused vacation, ski travel insurance can provide some peace of mind. Look for coverage that reimburses you in case of winter weather delays or accidental injuries. In addition, travel inconvenience or sports equipment coverage are add-ons that can help you recoup the costs associated with lift tickets and equipment rentals.

Skiing and snowboarding are always an adventure, but delays and accidents don't have to be so costly.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

snow sports travel insurance

  • Adventure & Sports Travel Insurance

Winter Sports

Travel Insurance for Winter Sports

Search for policies that cover sports like snowboarding, skiing, ice skating and more, winter sports travel insurance from skiing to heli skiing.

Travel insurance for winter sports can cover a wide array of activities with varying levels of danger. However, policies for adventurous travelers may still have a list of excluded activities. Coverage for skiing , for example, is included within many policies. On the other hand, coverage for extreme sports or adventure activities, such as heli skiing or ice climbing, can be included but is much less common.

Winter Sports Coverage

What Does Winter Sports Travel Insurance Cover?

Travel insurance for winter sports is primarily designed to provide cancellation and medical coverage. For travelers planning to participate in winter activities during their trip, but are forced to cancel, the Trip Cancellation benefit can refund their prepaid and non-refundable trip costs, including airfare, hotel accommodations, and expenses related to the activity, such as lift tickets or equipment rentals. In the event of an injury during the trip, travel insurance can reimburse the cost of treating the injury and the cost of a medical evacuation, if necessary.

What to look for when buying travel insurance for winter sports and activities:

Travel insurance for winter sports and activities can vary significantly from policy to policy. Activities that can be covered by one policy, may be specifically excluded from the next. For this reason, for travelers who plan to partake in specific winter sports or activities, it’s important to check a policy’s certificate for a list of excluded activities before purchasing. When buying travel insurance for winter sports, Squaremouth recommends at least $50,000 in Emergency Medical coverage, and $100,000 in Medical Evacuation coverage.

How to search for travel insurance for winter sports and activities:

The Sports & Activities benefit of travel insurance is designed to cover travelers who are participating in sports or adventurous activities. Using Squaremouth’s activity selection matrix below, travelers can enter the specific winter sports and activities they plan to participate in during their trip to only show available policies with the coverage they need.

Search for policies with coverage for winter sports using our selection matrix.

Search Winter Sports Travel Insurance Policies

Search for winter sports and activities you will be participating in during your trip, then select "Continue to Trip Information" to complete your quote.

  • Winter dog sledding, glacier walking, skiing, snowboarding and more. Airboarding Bobsleighing Cross-Country Skiing/Langlauf Dog Sledding (Racing) Dog Sledding (Recreational) Glacier Walking Husky Dog Sledding Ice Climbing Ice Holing Ice Skating Ice Speedway Ice Windsurfing Luge Marathon (Arctic) Mountain Biking (Mega Avalanche or Similar) Skiing (Back country with a guide) Skiing (Back country without a guide) Skiing (Backcountry in resort) Skiing (Cat Skiing/Boarding) Skiing (Cross Country) Skiing (Free-Style) Skiing (Heli Skiing) Skiing (Moguls) Skiing (Mono) Skiing (Nordic) Skiing (Para) Skiing (Ski Biking) Skiing (Ski Blading) Skiing (Ski Boarding) Skiing (Ski Cross/Snowboard Cross) Skiing (Ski Dooing) Skiing (Ski Flying) Skiing (Ski Jumping) Skiing (Ski Mountaineering) Skiing (Ski Racing (ski school races etc)) Skiing (Ski Racing) Skiing (Ski Randonee) Skiing (Ski Stunting) Skiing (Ski Touring) Skiing (Slopestyle (no inverted aerials)) Skiing (Snowcat) Sledding/Tobogganing Sleigh Riding Sleigh Riding (Reindeer/Horse) Snow Biking Snow Blading Snow Bobbing Snow Go-Carting Snow Mobiling Snow Parascending Snow Scooting Snow Shoeing Snow Skiing (Recreational Downhill) Snow Tubing Snowboarding Snowboarding (Back-country without a Guide) Snowboarding (Backcountry in resort) Snowboarding (Freestyle/Terrain Park (inverted aerials)) Snowboarding (Freestyle/Terrain Park (no inverted aerials)) Snowboarding (Heli-boarding) Snowboarding (Recreational) Snowboarding (Slopestyle) Snowboarding (Snowboard Cross) Snowcat Driving Snowmobling Speed Flying/Riding Speed Skating Telemarking Tubing

Please select if you will be participating in amateur or professional events or competitions:

Your quote results will show policies that include coverage for the activities you have chosen, however, we cannot guarantee adequate coverage for your particular trip.

Please either call us or review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

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snow sports travel insurance

Insure your adventure

£10m emergency medical expenses - search and rescue included and £2m personal liability standard on ALL policies.

A GUIDE TO OBTAINING A QUOTE and PRE QUOTE INFORMATION -  questions answered

please ensure you select the correct activity level  for the sports you are insuring and that you insure the full duration of your trip from the UK including departure and return dates on your Snowcard policy - for downhill skiing you will need at least Adventure Plus or Max Adventure for snowboarding

If you have any questions or need guidance on selecting your policy - email [email protected]

N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing , you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations , please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover  (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact  https://www.biba.org.uk  for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

Winter sports, ski, activity and adventure travel insurance.

Snowcard are one of the UK's longest established providers of activity travel insurance, winter sports insurance, ski insurance and adventure travel insurance for a wide range of mountain sports. Snowcard has been providing adventure travel insurance for over 30 years and all policies include as standard search and rescue, helicopter rescue and repatriation to the UK.

All Snowcard policy levels include search and rescue and repatriation to the UK as standard.

As one of the UK's longest running specialists in winter ski insurance, ski insurance, activity travel insurance, mountain sports insurance, and adventure travel insurance we hope you will enjoy putting together your own unique adventure policy. As the only travel insurance that allows you to select your own sums insured, Snowcard offers the most flexible policy in the UK aimed at dedicated specialist and independent travellers.

PLEASE NOTE: all policies are issued electronically and include an eSnowcard (printed copy of policy schedule available on request)

Snowcard covers most winter sports including on and off piste skiing and snowboarding, mountain sports like climbing, trekking and mountaineering, water sports ranging from scuba diving and sailing to white water kayaking and kite surfing.

If you are a cyclist, we can cover you and your bike for mountain biking as well as road touring. Snowcard covers a wide range of general activities providing security and peace of mind on your adventure holiday, we offer personalised activity travel insurance to suit a wide range of adventure holidays.

If you can't find what you are looking for send us an email  [email protected]

If we are unable to offer you the travel insurance cover you need, or if we are unable to provide cover for any pre-existing medical conditions, you may be able to get help by accessing the Money and Pensions Service travel insurance directory or call 0800 138 7777 .

Snowcard will cover a broad range of adventure travel insurance for many activities such as: 

Adventure travel insurance.

If you’re looking for insurance for backpacking, safaris, water sports, mountain sports, trekking, then our adventure travel insurance is suitable for you! Discover our adventure travel insurance today. 

Ski Travel Insurance

Snowcard has been a leading provider for on and off piste winter sports insurance for 30 years, we offer the best skiing insurance and winter sports insurance, discover more today!

Snowboarding travel insurance

Snowcard offer on and off piste snowboarding insurance with or without guides, as well as cover for snow parks. Discover our snowboarding travel insurance for more information. 

Winter Sports Travel Insurance

Snowcard is the first choice for serious skiers looking for winter sports travel insurance for ski touring, ski mountaineering, Heli skiing, snow cat skiing and split-boarding. Discover more about our winter sports travel insurance for skiing, ski and snowboard insurance. 

Cycling Travel Insurance

Snowcard is not just about winter sports, we also offer cycle touring and biking holiday insurance for worldwide cover, find out more today. 

Mountain Biking Travel Insurance

Snowcard were one of the first activity travel insurance policies to offer specialist mountain biking holiday insurance. Our mountain biking insurance can cover track, trail, downhill, endure and dirt track mountain biking. Discover our mountain biking holiday and travel insurance. 

Scuba Travel Insurance

Snowcard also offer worldwide scuba diving insurance which includes decompression and equipment insurance, find out more today. 

Rock Climbing Travel Insurance 

Snowcard have been one of the UK’s leading travel insurance for climbing and mountaineering insurance for 30 years. Snowcard insurance includes search and rescue worldwide. Our rock climbing travel insurance has been tried and tested for many years and is well respected in the mountaineering community.

Trekking and Hill Walking Travel Insurance  

Snowcard offer high altitude trekking insurance which includes cover for fell running, glacial crossing/ trekking, hill walking, bouldering, via ferrata and much more. Find out more about our trekking and hill walking travel insurance. 

Travel Insurance for Mountaineering (including Search and Rescue)

Snowcard mountaineering insurance is the choice for many climbers and trekkers heading off with the leading UK trekking agencies. Our mountaineering insurance covers alpine mountaineering, trekking peaks, and many high altitude destinations.  Discover our travel insurance for mountaineering today. 

Water Sports Travel Insurance

Our water sports travel insurance covers scuba diving, surfing, swimming treks, white water rafting sailing, windsurfing and much more. Find out more about out winter sports travel insurance. 

Canoeing and Kayaking Insurance

Snowcard also provide canoeing and kayaking insurance that covers white water kayaking, sea and surf kayaking, Canadian canoeing, canoeing on lakes or flat water, and much more! Find out more about our canoeing and kayaking insurance. 

Sports Travel Insurance

Finally, Snowcard offer general sports travel insurance which covers a variety of different active holidays like golf, fishing, cruises, horse riding, tennis and much more! Discover more about sports travel insurance. 

If you would like to find out more information about our adventure travel insurance or our activity travel insurance then please get in touch today. You can contact Snowcard by using our contact form or email .

Enjoy your adventure!

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Travel Insurance

A snowsport travel solution.

A travel insurance product designed specifically for UK-based Snowsport athletes and enthusiasts.

The Sports Travel + Insurance policy has been developed to meet the needs of British skiers and snowboarders in competition, training and leisure settings, while also offering Covid-19 cover as standard. Designed in consultation with Snowsport England and Snowsport Scotland, the product offers British Snowsport athletes and participants the opportunity to take part in their sport with confidence that their insurance needs can be met from the moment they step foot on the slopes.

If you would like to see if the policy cover can meet your needs, click on Snowsport Travel

snow sports travel insurance

Bluefin Sport is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Registered in England and Wales Number: 1507274. Registered Office: 1 Tower Place West, Tower Place, London EC3R 5BU.

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**** Club & Regional Events  –  Events Included -  Club events, Club National Events, Regional series, Regional Schools Race. Events not included - Championships events (All England, Anglo Welsh, British Artificial), GBR series, English Slopestyle Championships, English Ski and Snowboard Cross championships. Any races abroad on snow, ESSKIA Races (School should be registered with Esskia), NSSA races.  NB:  To have insurance for the events not included you need to have a "Go Compete" membership with Snowsport England

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Colorado braces for snow: Skiers delight but slippery roads ahead

Snow will continue in Colorado through Saturday morning. As the setup on Saturday will demonstrate, a major storm is unnecessary for a significant accumulation in the Rockies. Enough snow will fall to delight snow sports enthusiasts but make for slippery travel over the mountains. There's a chance roads could get dicey in part of the Denver metro area as well, AccuWeather meteorologists say.

The snow will unfold as an area of high pressure slides southeastward across the Great Plains. As the pressure rose, it created a northeasterly flow of air that climbed thousands of feet from the Plains to the Colorado Front Range. As this air ascended, it cooled, and moisture condensed, releasing some rain at first but then a change to snow.

Several inches to a foot of snow will fall on parts of the northern and central Rockies in Colorado through early Saturday. A few inches of snow will also extend out to the foothills west of Denver and other metro areas along the Interstate 25 corridor of northern Colorado and southern Wyoming.

"Anyone traveling from the High Plains to the mountains early Saturday morning for a weekend getaway could encounter slippery roads and travel delays," AccuWeather Senior Meteorologist Dan Pydynowski said. This includes travel along portions of I-70 and I-80.

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Downtown Denver will likely pick up a general 3-6 inches of snow, mainly on non-paved surfaces into Saturday morning.

Farther to the north, in Fort Collins, Colorado, and Cheyenne, Wyoming, 1-3 inches of slushy snow will also fall, with locally higher amounts possible.

Travel along much of the I-25 corridor will be wet to slushy, but there will be some exceptions.

Areas made wet by the slushy snow and natural melting during the day Saturday will freeze Saturday night.

By Sunday afternoon, much warmer conditions will build over the region, with any leftover snow prone to rapid melting. Temperatures are forecast to surge well into the 60s in Denver and Fort Collins. Widespread highs in the 70s are in store for Monday as warm air building west of the Rockies expands eastward.

Farther south, only a small slushy accumulation seems likely in Colorado Springs, Colorado, into Saturday morning.

Snow is not uncommon during April along the High Plains, Foothills and Rockies. Denver, which is about a mile above sea level, historically averages about 9 inches of snow in April, according to the National Weather Service. Some years even bring a bit of snow in May, when the historical average is 1-2 inches. Denver tends to receive more snow in the spring than it does during the middle of the winter.

Want next-level safety, ad-free? Unlock advanced, hyperlocal severe weather alerts when you subscribe to Premium+ on the AccuWeather app . AccuWeather Alerts ™ are prompted by our expert meteorologists who monitor and analyze dangerous weather risks 24/7 to keep you and your family safer.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

Best cheap travel insurance

WorldTrips

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

  • Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
  • Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

  • Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
  • Atlas Journey Premier offers $150,000 in primary medical coverage.
  • Both plans have top-notch $1 million per person in medical evacuation coverage.
  • Each plan offers travel inconvenience coverage of $750 per person.
  • 12 optional upgrades, including destination wedding and rental car damage and theft.
  • No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Travel Insured

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

  • Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
  • Cheap trip insurance for cruises.
  • Offers a rare $150,000 for non-medical evacuation.
  • $500 per person baggage delay benefit only requires a 3-hour delay.
  • Optional rental car damage benefit up to $50,000.
  • Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

  • Free coverage for children 17 and under on the same policy.
  • $2,000 travel delay coverage per person ($250 per day) after 5 hours.
  • Hurricane and weather coverage after a common carrier delay of any amount of time.
  • Only $50,000 per person emergency medical coverage.
  • Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Nationwide

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

  • Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
  • Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
  • Non-medical evacuation benefit of $25,000 per person.
  • Baggage loss benefits of $2,500 per person.
  • Travel medical coverage is secondary.
  • Trip cancellation benefit for losing your job requires three years of continuous employment.
  • No “cancel for any reason” (CFAR) upgrade available.
  • Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

  • Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
  • Bundle upgrades allow you to customize your affordable travel insurance policy.
  • Emergency medical and evacuation limits can be doubled with optional upgrade.
  • Base travel insurance policy has relatively low medical limits.
  • $300 baggage delay benefit requires a 12-hour delay.
  • Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

  • Best-in-class $2,500 per person in missed connection coverage.
  • $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
  • Generous $2,500 per person baggage and personal items loss benefit.
  • Most expensive of the best cheap travel insurance plans.
  • No “interruption for any reason” coverage available.
  • Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

Travel Insured

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

  • Age and number of travelers being insured.
  • Trip length.
  • Total trip cost.
  • The travel insurance plan you choose.
  • The travel insurance company.
  • Any add-ons, features or upgraded benefits you include in the travel insurance plan.
Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

  • Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
  • Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

  • Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
  • Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
  • Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
  • Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

  • How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
  • Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
  • The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

  • Medical emergencies.
  • Trip delays.
  • Trip interruption.
  • Trip cancellation.
  • Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

  • Rental car damage coverage. 
  • Medical bundle.
  • Security bundle.
  • Accidental death and dismemberment coverage.
  • Adventure sports bundle.
  • Pet bundle.
  • Wedding bundle.
  • “Cancel for work reasons” coverage.
  • “Interruption for any reason” (IFAR) coverage.
  • “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Understanding What Travel Insurance Covers

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  • Travel insurance is intended to cover risks and financial losses associated with traveling.
  • Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
  • When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

  • Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
  • Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
  • Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
  • Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
  • Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
  • Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
  • Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
  • Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

Understanding What Travel Insurance Covers

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NV obtains new photos and videos of the elimination of traitorous ex-MP Ilya Kyva near Moscow

  • Oops! Something went wrong. Please try again later. More content below

Photos and videos of the elimination of pro-Russian ex-MP Ilya Kyva in a Moscow suburb were obtained by NV from sources in Ukraine’s SBU Security Service on Dec. 11.

This special operation was meticulously planned and successfully executed, the SBU informant confirmed.

Read also: “Surrender for your own safety” advises Ukrainian intelligence to traitors

In one imgae, Kyva's lifeless body can be seen in the snow surrounded by bloodstains. The location where “deserved punishment awaited the traitor” is near the place that Kyva filmed many anti-Ukrainian videos, sources say.

Kyva was a high-priority target, SBU said. His daily routines, movements, and habits were extensively studied in the operation. Despite strong security, the SBU managed to eliminate him just outside Moscow.

“This [Kyva’s elimination] serves as a signal to all traitors and military criminals who have sided with the enemy. Remember: Russia will not protect you. Death is the only prospect awaiting enemies of Ukraine,” SBU Chief Vasyl Malyuk said.

Ukraine’s SBU eliminated Kyva in a special operation in Moscow Oblast on Dec. 6, said NV sources in the intelligence service.

Kyva's “bloodied body”, discovered with a shot through the head, was found in the park of an elite club hotel in the Moscow region on Dec.6, Russian propaganda Telegram channels reported.

Read also: Former Ukrainian MP and traitor Illia Kyva found dead in Moscow Oblast – NV sources

Kyva was shot with an unidentified firearm and died from the injuries on the scene, the Russian Investigative Committee claimed.

Kyva had fled to Spain ahead of Russia’s full-scale invasion. He then appeared in Russian propaganda broadcasts in Moscow, actively spreading lies about Ukraine. Kyva also sought “political asylum” and citizenship from the enemy aggressor.

The Ukrainian parliament stripped Kyva of his MP status in March 2022, charging him with treason. He was additionally charged with publicly calling for a violent change in the constitutional order and propaganda on behalf of the aggressor state in Aug. 2023.

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Read the original article on The New Voice of Ukraine

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Dinamo Elektrostal Moscow

Field hockey - Dinamo Elektrostal Moscow

Russia

Hockey Club Dinamo Elektrostal is a field hockey team from Russia, based in Moscow. The club was founded in 1994.

Dinamo Elektrostal Moscow - Results

2021/2022 2018/2019 2017/2018 2017 2015/2016 2013/2014 2011/2012 2007/2008

Men's Euro Hockey League - Final Round - 2021/2022

Dinamo elektrostal moscow - identity.

  • Official name : Hockey Club Dinamo Elektrostal
  • Country : Russia
  • Location : Moscow
  • Founded : 1994
  • Wikipedia link : http://nl.wikipedia.org/wiki/Dinamo_Elektrostal

Dinamo Elektrostal Moscow - Titles, trophies and places of honor

  • Best result : First Round in 2021/2022
  • Best result : 1st
  • 1 times first in 2010
  • 1 times second in 2009
  • 1 times third in 2017

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40 facts about elektrostal.

Lanette Mayes

Written by Lanette Mayes

Modified & Updated: 02 Mar 2024

Jessica Corbett

Reviewed by Jessica Corbett

40-facts-about-elektrostal

Elektrostal is a vibrant city located in the Moscow Oblast region of Russia. With a rich history, stunning architecture, and a thriving community, Elektrostal is a city that has much to offer. Whether you are a history buff, nature enthusiast, or simply curious about different cultures, Elektrostal is sure to captivate you.

This article will provide you with 40 fascinating facts about Elektrostal, giving you a better understanding of why this city is worth exploring. From its origins as an industrial hub to its modern-day charm, we will delve into the various aspects that make Elektrostal a unique and must-visit destination.

So, join us as we uncover the hidden treasures of Elektrostal and discover what makes this city a true gem in the heart of Russia.

Key Takeaways:

  • Elektrostal, known as the “Motor City of Russia,” is a vibrant and growing city with a rich industrial history, offering diverse cultural experiences and a strong commitment to environmental sustainability.
  • With its convenient location near Moscow, Elektrostal provides a picturesque landscape, vibrant nightlife, and a range of recreational activities, making it an ideal destination for residents and visitors alike.

Known as the “Motor City of Russia.”

Elektrostal, a city located in the Moscow Oblast region of Russia, earned the nickname “Motor City” due to its significant involvement in the automotive industry.

Home to the Elektrostal Metallurgical Plant.

Elektrostal is renowned for its metallurgical plant, which has been producing high-quality steel and alloys since its establishment in 1916.

Boasts a rich industrial heritage.

Elektrostal has a long history of industrial development, contributing to the growth and progress of the region.

Founded in 1916.

The city of Elektrostal was founded in 1916 as a result of the construction of the Elektrostal Metallurgical Plant.

Located approximately 50 kilometers east of Moscow.

Elektrostal is situated in close proximity to the Russian capital, making it easily accessible for both residents and visitors.

Known for its vibrant cultural scene.

Elektrostal is home to several cultural institutions, including museums, theaters, and art galleries that showcase the city’s rich artistic heritage.

A popular destination for nature lovers.

Surrounded by picturesque landscapes and forests, Elektrostal offers ample opportunities for outdoor activities such as hiking, camping, and birdwatching.

Hosts the annual Elektrostal City Day celebrations.

Every year, Elektrostal organizes festive events and activities to celebrate its founding, bringing together residents and visitors in a spirit of unity and joy.

Has a population of approximately 160,000 people.

Elektrostal is home to a diverse and vibrant community of around 160,000 residents, contributing to its dynamic atmosphere.

Boasts excellent education facilities.

The city is known for its well-established educational institutions, providing quality education to students of all ages.

A center for scientific research and innovation.

Elektrostal serves as an important hub for scientific research, particularly in the fields of metallurgy, materials science, and engineering.

Surrounded by picturesque lakes.

The city is blessed with numerous beautiful lakes, offering scenic views and recreational opportunities for locals and visitors alike.

Well-connected transportation system.

Elektrostal benefits from an efficient transportation network, including highways, railways, and public transportation options, ensuring convenient travel within and beyond the city.

Famous for its traditional Russian cuisine.

Food enthusiasts can indulge in authentic Russian dishes at numerous restaurants and cafes scattered throughout Elektrostal.

Home to notable architectural landmarks.

Elektrostal boasts impressive architecture, including the Church of the Transfiguration of the Lord and the Elektrostal Palace of Culture.

Offers a wide range of recreational facilities.

Residents and visitors can enjoy various recreational activities, such as sports complexes, swimming pools, and fitness centers, enhancing the overall quality of life.

Provides a high standard of healthcare.

Elektrostal is equipped with modern medical facilities, ensuring residents have access to quality healthcare services.

Home to the Elektrostal History Museum.

The Elektrostal History Museum showcases the city’s fascinating past through exhibitions and displays.

A hub for sports enthusiasts.

Elektrostal is passionate about sports, with numerous stadiums, arenas, and sports clubs offering opportunities for athletes and spectators.

Celebrates diverse cultural festivals.

Throughout the year, Elektrostal hosts a variety of cultural festivals, celebrating different ethnicities, traditions, and art forms.

Electric power played a significant role in its early development.

Elektrostal owes its name and initial growth to the establishment of electric power stations and the utilization of electricity in the industrial sector.

Boasts a thriving economy.

The city’s strong industrial base, coupled with its strategic location near Moscow, has contributed to Elektrostal’s prosperous economic status.

Houses the Elektrostal Drama Theater.

The Elektrostal Drama Theater is a cultural centerpiece, attracting theater enthusiasts from far and wide.

Popular destination for winter sports.

Elektrostal’s proximity to ski resorts and winter sport facilities makes it a favorite destination for skiing, snowboarding, and other winter activities.

Promotes environmental sustainability.

Elektrostal prioritizes environmental protection and sustainability, implementing initiatives to reduce pollution and preserve natural resources.

Home to renowned educational institutions.

Elektrostal is known for its prestigious schools and universities, offering a wide range of academic programs to students.

Committed to cultural preservation.

The city values its cultural heritage and takes active steps to preserve and promote traditional customs, crafts, and arts.

Hosts an annual International Film Festival.

The Elektrostal International Film Festival attracts filmmakers and cinema enthusiasts from around the world, showcasing a diverse range of films.

Encourages entrepreneurship and innovation.

Elektrostal supports aspiring entrepreneurs and fosters a culture of innovation, providing opportunities for startups and business development.

Offers a range of housing options.

Elektrostal provides diverse housing options, including apartments, houses, and residential complexes, catering to different lifestyles and budgets.

Home to notable sports teams.

Elektrostal is proud of its sports legacy, with several successful sports teams competing at regional and national levels.

Boasts a vibrant nightlife scene.

Residents and visitors can enjoy a lively nightlife in Elektrostal, with numerous bars, clubs, and entertainment venues.

Promotes cultural exchange and international relations.

Elektrostal actively engages in international partnerships, cultural exchanges, and diplomatic collaborations to foster global connections.

Surrounded by beautiful nature reserves.

Nearby nature reserves, such as the Barybino Forest and Luchinskoye Lake, offer opportunities for nature enthusiasts to explore and appreciate the region’s biodiversity.

Commemorates historical events.

The city pays tribute to significant historical events through memorials, monuments, and exhibitions, ensuring the preservation of collective memory.

Promotes sports and youth development.

Elektrostal invests in sports infrastructure and programs to encourage youth participation, health, and physical fitness.

Hosts annual cultural and artistic festivals.

Throughout the year, Elektrostal celebrates its cultural diversity through festivals dedicated to music, dance, art, and theater.

Provides a picturesque landscape for photography enthusiasts.

The city’s scenic beauty, architectural landmarks, and natural surroundings make it a paradise for photographers.

Connects to Moscow via a direct train line.

The convenient train connection between Elektrostal and Moscow makes commuting between the two cities effortless.

A city with a bright future.

Elektrostal continues to grow and develop, aiming to become a model city in terms of infrastructure, sustainability, and quality of life for its residents.

In conclusion, Elektrostal is a fascinating city with a rich history and a vibrant present. From its origins as a center of steel production to its modern-day status as a hub for education and industry, Elektrostal has plenty to offer both residents and visitors. With its beautiful parks, cultural attractions, and proximity to Moscow, there is no shortage of things to see and do in this dynamic city. Whether you’re interested in exploring its historical landmarks, enjoying outdoor activities, or immersing yourself in the local culture, Elektrostal has something for everyone. So, next time you find yourself in the Moscow region, don’t miss the opportunity to discover the hidden gems of Elektrostal.

Q: What is the population of Elektrostal?

A: As of the latest data, the population of Elektrostal is approximately XXXX.

Q: How far is Elektrostal from Moscow?

A: Elektrostal is located approximately XX kilometers away from Moscow.

Q: Are there any famous landmarks in Elektrostal?

A: Yes, Elektrostal is home to several notable landmarks, including XXXX and XXXX.

Q: What industries are prominent in Elektrostal?

A: Elektrostal is known for its steel production industry and is also a center for engineering and manufacturing.

Q: Are there any universities or educational institutions in Elektrostal?

A: Yes, Elektrostal is home to XXXX University and several other educational institutions.

Q: What are some popular outdoor activities in Elektrostal?

A: Elektrostal offers several outdoor activities, such as hiking, cycling, and picnicking in its beautiful parks.

Q: Is Elektrostal well-connected in terms of transportation?

A: Yes, Elektrostal has good transportation links, including trains and buses, making it easily accessible from nearby cities.

Q: Are there any annual events or festivals in Elektrostal?

A: Yes, Elektrostal hosts various events and festivals throughout the year, including XXXX and XXXX.

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