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Snow and Ski Travel Insurance

Planning a trip to the snow? If you’re hitting the slopes consider purchasing snow and ski travel insurance and learn more about our Snow Sports Plus policy. ^

Ready to Hit the Slopes on Your Snow Holiday?

Unexpected injuries, illness and snow resort closure can snowball into costly expenses. Are you a fan of recreational skiing or snowboarding? Our snow and ski travel insurance may cover many types of unexpected situations that may affect your trip to the snow whether you’re:

  • Skiing in Japan
  • Snowboarding in New Zealand
  • Snowmobiling in Canada
  • Heli-skiing in Switzerland
  • Or participating in other covered snow sports activities overseas

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue for international travel. ^

Snow Sports benefits are automatically included for Aussie travellers when they purchase the Domestic Plus policy for travel within Australia. ^

person snowboarding

Every traveller’s needs are different, so check the PDS and TMD to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

What Does Snow and Ski Travel Insurance Cover?

Fast Cover’s snow and ski travel insurance, which is offered under our Snow Sports Plus policy which is available to provide some cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your trip to the snow, whether you’re skiing or snowboarding.

This page provides only a summary of some benefits available under our Snow Sports Plus policy and does not replace the PDS which sets out the full terms and conditions of cover including benefit limits, sub-limits and exclusions that apply. Please note we can only provide cover for the circumstances and situations covered by and listed in your travel insurance policy. Each policy has specific terms, conditions, exclusions, limits and sub-limits. Not all benefits apply to all policies, so always review the PDS before deciding which policy is right for you.

Trip Cancellation Expenses

Trip Cancellation Expenses

Need to cancel your snowboarding or ski holiday? Our Trip Cancellation Expenses benefit may help protect the non-refundable bookings you’ve already paid for if you need to cancel your trip to the snow due to circumstances covered under your policy, for example, an unexpected illness or injury. ^

If you’re no longer able to travel to your overseas destination for your snow holiday due to unexpected circumstances covered under your policy, Fast Cover’s snow and ski travel insurance includes the Trip Cancellation Expenses benefit which may help protect the non-refundable bookings you've already paid for your overseas trip like flights, accommodation, cruises and tours. You can take out a Snow Sports Plus policy with cancellation cover up to 12 months before you travel overseas. ^

Travel Delay Expenses

Travel Delay Expenses

Snow holiday on pause? If you’re stuck at the airport with no flight and need extra accommodation while you wait with no reimbursement for these from the airlines with which you are travelling, Fast Cover may be able to reimburse you for the reasonable cost of extra meals and accommodation due to travel delays if your pre-booked transport is cancelled and rescheduled or delayed in situations covered under your policy. ^

Our snow and ski travel insurance includes the Travel Delay Expenses benefit which may provide cover for the reimbursement of reasonable additional means and and accommodation expenses up to $200 for each traveller (excluding dependants) for each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time. ^

Lost, Stolen or Damaged Luggage

Lost, Stolen or Damaged Luggage

Lost, stolen or damaged luggage can turn a dream ski holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy. ^ 
 
Our snow and ski travel insurance includes the Luggage and Personal Effects benefit which may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your snow holiday. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^

Overseas 24/7 Emergency Medical Assistance

Overseas 24/7 Emergency Medical Assistance

Medical emergencies can happen anywhere - even during your ski or snowboarding holidays. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location. ^

Fast Cover’s Snow Sports Plus policy may include access to our Australian based Emergency Assistance hotline with 24/7 support for reasonable unexpected medical emergencies overseas including those sustained from participating in the snow sports covered under our PDS. Overseas 24/7 Medical Emergency Assistance for snow sports is only available if you take out the Snow Sports Plus policy prior to your departure date. ^ 

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical and Hospital Expenses

An unexpected trip to a hospital overseas is the last thing you might want on your snow holiday itinerary. If you break a bone or need emergency surgery due to an injury sustained while participating in covered snow sports activities such as recreational skiing or snowboarding, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in some circumstances which are covered under the Snow Sports Plus policy. ^

From food poisoning to torn ligaments, Fast Cover’s Snow Sports Plus policy is available to provide protection against the financial burden of reasonable unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your trip to the snow. ^

Overseas Emergency Medical Evacuation and Repatriation

Overseas Emergency Medical Evacuation and Repatriation

If you become seriously injured or sick during your overseas trip to the snow, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your Snow Sports Plus policy. ^ 

In case you are seriously injured or sick while on your snow sports trip overseas, Fast Cover’s snow and ski travel insurance is available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^

Snow Sports Benefits

If you’re planning to participate in snow sports activities overseas consider applying for Fast Cover’s snow and ski travel insurance, called the “Snow Sports Plus Policy”. Below are some examples of things that may be covered in your snow sports benefits which are only available under the Snow Sports Plus policy for travellers participating in snow sports overseas. ^

Cover for your Snow Sports Equipment

Are you travelling with your own snow sports equipment? If snow sports equipment owned by you is permanently lost, stolen or accidentally damaged during your trip, Fast Cover’s Snow Sports Plus policy may be able to provide cover for (whichever is lesser):

  • The cost to repair the item,
  • The cost to replace the item, or
  • The purchase price of the item less any depreciation that applies

in circumstances covered under your policy. ^

ski piles in snow

Cover for Snow Equipment Replacement Hire

skiis in ski resort cable car

Hiring replacement snow equipment can become expensive. Fast Cover’s Snow Sports Plus policy may be able to reimburse you for the cost to hire replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been:

  • misdirected or delayed for a period of more than 24-hours, or
  • accidentally damaged, lost or stolen

during your trip, in circumstances covered under your policy. ^

Cover for Snow Prepaid Expenses

Snow holiday took a turn? If you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid snow sports expenses including:

  • lift passes,
  • snow sports equipment hire, or
  • lessons,

Fast Cover may be able to reimburse you the percentage amount of the unused portion for each insured person, in circumstances covered under your policy. We need to be provided with written confirmation from the medical practitioner of the nature of your injury or sickness.^

ski lifts in val thorens france

Cover for Snow Resort Closure

ski lifts in alberta canada

Changing snow and weather conditions and unexpected events could lead to snow resort closure, throwing a spanner in the works on your snow holiday.

If while on your trip, during your stay at your pre-booked and pre-paid holiday resort, all ski lift systems are closed for more than 24-hours because there is not enough snow, too much snow, bad weather or a power failure, Fast Cover may be able to reimburse:

  • the cost of transport to the nearest open resort or
  • the cost of lift passes at the alternate resort,

in circumstances covered under your policy. ^

Read our PDS for more details, terms and conditions of cover for Snow Sports benefits.

Activities Covered by Snow and Ski Travel Insurance

Are you keen to carve up the slopes on a snowboard or skis, ice skate on a frozen lake, snowmobile on the Arctic tundra, or zoom down an ice luge? Before you book your trip to the snow, consider taking out travel insurance for skiing and snowboarding and check whether the policy provides cover for all the snow sports and activities you want to do during your trip. 

Below are examples of the snow sports activities Fast Cover’s Snow Sports Plus policy may provide cover for during your trip overseas in accordance with the terms and conditions of your policy. If you’re participating in these snow sports activities in Australia, cover may be included under your Domestic Plus policy. ^

Recreational Snow Sports

  • Skiing
  • Snowboarding
  • Big foot skiing and snowboarding
  • Ice hockey (socially and not competitive)
  • Cross-country skiing and snowboarding (along a designated cross-country ski route only)
  • Lugeing (on ice provided by a commercial operator and available to the general public only)
  • Ice skating
  • Mono skiing
  • Snowmobiling
  • Snowshoeing
  • Tobogganing
  • Terrain park skiing and snowboarding (areas available to the general public only)

Activities with a Professional Snow Sport Instructor

helicopter landing on snow

The following activities are covered but must be done with a professional snow sport instructor:

  • Off-piste skiing or snowboarding
  • Backcountry skiing and snowboarding
  • Cat skiing and snowboarding
  • Glacier skiing and snowboarding
  • Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)

Conditions for snow sports activities may apply so it is important to read the PDS to understand the circumstances in which cover may apply. These snow sports activities are covered under our Snow Sports Plus policy. If you do not purchase the Snow Sports Plus policy and participate in these snow sports activities overseas, you will not have cover. ^

FAQs about Snow Sports

Off-piste means any area away from prepared ski runs that Is outside of resort boundaries and is where skiing or snowboarding is allowed.  

Off-piste areas are often more adventurous, with powder snow, trees, and natural obstacles. They can be great fun, but they also generally carry higher risks compared to sticking to the main runs. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

If you will not be participating in any snow sports, for example, not participating in snowshoeing or any other snow sports activity, you do not need to purchase a Snow Sports Plus policy.  

Under our PDS snowshoeing is listed as a snow sport. While snowshoeing is not specifically defined in our PDS, it generally describes an activity where people walk on snow using snowshoes to prevent sinking into the snow. You may wish to consider if you will be participating in snowshoeing as it is listed as a snow sport under our PDS. To have cover for snowshoeing you would require the Snow Sports Plus policy. 

Read our PDS to learn more about conditions of cover for Snow Sports and what is included. 

Backcountry skiing and snowboarding is not automatically covered under Fast Cover’s Travel Insurance policies. Only travellers aged 69 years and under as at the date of policy issue who purchase a Snow Sports Plus policy, or travellers who purchase a Domestic Plys policy, may have cover for Backcountry skiing and snowboarding provided it is done with a professional snow sport instructor in accordance with the terms and conditions of the policy. 

Under our PDS Backcountry means any area inside or outside a ski resort's boundaries that is NOT monitored or patrolled by resort authorities.  

For more information about how our Snow Sports cover relates to Backcountry skiing or snowboarding, read our PDS to learn more about what is covered and what is not covered. 

While heli-skiing and snowboarding is not specifically defined under our PDS, 'heli-skiing and snowboarding' generally describes a form of downhill skiing or snowboarding where skiers are transported to locations by a helicopter instead of using ski lifts. 

For more information about how our Snow Sports cover relates to heli-skiing and snowboarding, read our PDS to learn more about what is covered and what is not covered. 

Heli-skiing and snowboarding are not automatically covered under Fast Cover’s Travel Insurance policies. Only travellers aged 69 and under at the date of policy issue may have cover for heli-skiing and snowboarding (including backcountry heli-skiing and snowboarding) if: 

  • They have purchased a Domestic Plus or Snow Sports Plus policy, 
  • The heli-skiing and snowboarding are done with a professional snow sport instructor, and 
  • The heli-skiing and snowboarding are provided by a commercial operator and available to the general public only. 

Cover is not available for heli-skiing or snowboarding in the backcountry without a professional snow sport instructor. 

For more information about how our Snow Sports cover relates to heli-skiing or snowboarding, read our PDS to learn more about what is covered and what is not covered. 

No, we are not able to provide cover for participation in skiing competitions under our Snow Sports Plus Policy or Domestic Plus policy.

For more information about terms and conditions of cover for snow sports, read our PDS to understand what is covered and what is not covered. 

No, there is no cover if you ride a snow bike, even if you take out the Snow Sports Plus policy as riding a snow bike is not a covered snow sport under our PDS 

Read our PDS to learn more about terms and conditions of cover for snow sports. 

No, you are not automatically covered, you would still need a professional instructor or guide as per the qualifications defined in our PDS to accompany you despite the fact that you are a qualified instructor. 

For more information about our Snow Sports cover read our PDS to learn more about what is covered and what is not covered.

Cover may be available for backcountry skiing done outside of resort boundaries provided: 

  • You have taken out a Snow Sports Plus policy or Domestic Plus policy 
  • You are 69 years of age or younger at the date of policy issue if you take out a Snow Sports Plus policy
  • You only participate in backcountry skiing or snowboarding with a professional snow sports instructor as defined under our PDS 

For more information about terms and conditions of cover for backcountry skiing, read our PDS to understand what is covered and what is not covered.

Cover may be available for backcountry skiing with a professional snow sports instructor provided:  
  • You have taken out a Snow Sports Plus policy or Domestic Plus policy  
  • You are 69 years of age or younger at the date of policy issue if you take out a Snow Sport Plus Policy 
  • You only participate in backcountry skiing with a professional snow sport instructor as defined under our PDS 

A professional snow sports instructor is defined under our PDS as the holder of an Alpine Level 4 certification recognised by the International Ski Instructors Association (ISIA) or the holder of a Canada Ski Guide (CSGI) Level 3 Certification (or ISIA recognised equivalent). Such guides have a minimum of 2 years’ experience as a trainee guide and have completed the required training to lead groups in Backcountry areas without supervision. They have been trained in all aspects of Backcountry and avalanche safety and are familiar with the areas they are guiding and instructing in. They hold the required insurances and permits to guide groups in Backcountry areas on a commercial basis. 

For more information about terms and conditions of cover for backcountry skiing and snowboarding, read our PDS to understand what is covered and what is not covered 

If you have a Snow Sports Plus policy, you have cover for participating in snow sports activities during the following ski season dates: 

  • Northern Hemisphere:  15th December to 15th April 
  • Southern Hemisphere: 15th June to 30th September 

There might be cover for snow sports activities in resorts which are open outside the above time periods and have sufficient snow for normal skiing activities. 

There is NO cover for any type of snow sports overseas if you do not take out a Snow Sports Plus policy, even if you will only be doing snow sports for 1 or 2 days. 

For more information about terms and conditions of cover for snow sports cover, read our PDS to understand what is covered and what is not covered. 

Under our PDS Advanced Terrain means areas and terrain designated for expert skiers and snowboarders. This only applies to skiing or snowboarding. To have cover for skiing or snowboarding in Advanced Terrain, you can consider purchasing a Snow Sports Plus policy or Domestic Plus policy. You must be aged 69 years or younger at the date of policy issue when you take out a Snow Sports Plus Policy. 

For more information about terms and conditions of cover for snow sports cover, read our PDS to understand what is covered and what is not covered. 

What is Snow Sports Equipment?

Under Fast Cover’s PDS, Snow Sports Equipment means:

  • Skis 

  • Poles 

  • Ski boots and bindings 

  • Ski helmets 

  • Snowboards 

  • Snowboard boots and bindings

How to Add Cover for Snow Sports to Your Travel Insurance Policy

Fast Cover’s simple quote process can be completed online or over the phone to help you add cover for snow sports to your International travel insurance policy. Below is some of the information which may be needed to get a quote for snow sports cover:

Enter Your Travel Details

Enter all the destinations or regions you will be travelling to and add your travel dates.

Select Who Needs Cover

Are you travelling solo, with a companion or with your family? Add all travellers to your policy.

Participating in a Covered Snow Sport?

Answer ‘Yes’ to ‘Skiing or Snowboarding?'

Optional Extras for your Snow Holiday

No two trips are the same - and your cover shouldn’t be either. Snow sports might only be part of your trip, so whether you plan to ride a motorcycle, embark on a cruise, rent a vehicle for a road trip or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your Snow Sports Plus policy so you can include cover for a range of activities to fit you and your travel plans overseas. ^

Cover for International Cruises

Cover for International Cruises

Planning a winter cruise to Antarctica, Alaska or the Norwegian fjords as part of your snow trip? If your international cruise is 4 nights or more, consider adding cruise cover to your policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where no support or reimbursement is provided by the cruise company for these emergencies. ^ 

Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover for your holiday. Below is some of the information which may be needed to get a quote for cruise cover: 

  1. Set Travel Dates: Tell us the travel dates you would like to be covered for.  
  2. Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.  
  3. Going on a Cruise?: Answer ‘Yes’ to ‘Going on a cruise?’

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.

Cover for Your Rental Vehicle Excess

Cover for Your Rental Vehicle Excess

Exploring the snow at your own pace? Whether you’re hiring a car for a winter road trip or exploring the local snowy towns, Fast Cover may be able to provide cover for your rental vehicle insurance excess. ^ 

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.^ 

The rental vehicle excess benefit applies to a: 

  • Sedan, hatchback, or station wagon,    
  • Four-wheel drive or minibus/people mover, or   
  • Campervan or motorhome (up to 4.5 tonnes),  

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^  

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Ready to explore winter wonderlands on two wheels with Fast Cover’s Motorcycle Pack? For many travellers riding a motorcycle in winter offers a unique and thrilling way to experience diverse snow-covered landscapes from Europe’s Pyrenees Mountains to Germany’s Black Forest and Austria’s Grossglockner High Alpine Road.

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your Snow Sports Plus policy that may provide cover to you for being the rider or passenger on a:  

  • Motorcycle,   
  • Moped, or  
  • Scooter. ^

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an International travel insurance policy. ^ 

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.

Specified High Value Items

Specified High Value Items

Travelling to the snow with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^ 

Below are some examples of items you may be able to specify as high value items. 

  • Phone 
  • Laptop 
  • Camera 

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.

Cover for Adventure Activities

Cover for Adventure Activities

Ready for your next winter adventure? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list. ^

Examples of some activities that require the Adventure Pack include: 

  • Abseiling 
  • Outdoor rock climbing 
  • Quad biking 
  • Tandem parachuting and tandem skydiving 
  • Sailing from 10 -15 nautical miles off any land mass  
  • Scuba diving up to a depth of 30 m 
  • Water skiing, jet skiing, and speedboating 

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs. 

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy. ^

For more details, visit our page on travel insurance for adventure activities.

Does Travel Insurance Cover My Hospital Expenses If I Get Injured During Snow Sports Overseas?

Fast Cover’s Overseas Emergency Medical and Hospital Expenses benefit may provide cover for the emergency medical and hospital expenses you incur overseas from participating in snow sports listed in our PDS if you choose to add cover for snow sports and take out the Snow Sports Plus policy. Here’s some important information you need to know about overseas emergency medical and hospital expenses relating to snow sports.

Overseas Emergency Medical and Hospital Expenses for Snow Sports

Overseas Emergency Medical and Hospital Expenses for Snow Sports

This benefit provides reimbursement for unexpected medical emergencies that can happen on your overseas trip, from treatment for a broken bone to emergency surgery, depending on your circumstances. This benefit may provide some cover for overseas medical and hospital expenses for injuries sustained from your participation in covered snow sports if you have purchased additional cover for them and have taken out the Snow Sports Plus policy.

You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions and exclusions of your policy, including conditions for snow sports. That’s why it’s important to review your policy and PDS to understand what is and isn't covered while you're overseas and the terms and conditions that apply.

Reciprocal Health Care Agreements

Reciprocal Health Care Agreements

Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia which may provide cover for some medical costs during your stay if you meet the eligibility requirements. Please check with the relevant information sources for more information. In these cases, Fast Cover’s travel insurance policy may not pay for the cost of medical care that is covered by the RHCA. However, Reciprocal Health Care Agreements may not cover every type of medical expense, so considering taking out snow sports travel insurance with cover for unexpected overseas emergency medical and hospital expenses may potentially save you thousands of dollars when cover is not available under a RHCA. 

If you’re travelling to an overseas destination that doesn’t have a Reciprocal Health Care Agreement with Australia, you may likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while participating in snow sports. Having cover for these unexpected medical situations during your winter travels may potentially save you thousands of dollars. Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances. 

Existing Medical Conditions and Changes in Health

Existing Medical Conditions and Changes in Health

You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop before you leave for your snow trip through a medical screening.

Find out more about what we consider to be a medical condition and how you can apply for cover in our page on travel insurance for existing medical conditions.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy and PDS, T&Cs and cover as specified on your Certificate of Insurance. Any advice is general advice only and does not take into account your individual objectives, personal and financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions, limits and sub-limits apply.

Cover for Existing Medical Conditions

If you have any existing medical conditions, you may be able to apply to include cover for them during your trip overseas. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select Who Needs Cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Ready for Your Next Snow Sports Adventure?

Planning a trip to the snow? Get a travel insurance quote for your destination and compare the benefits for your next ski or snowboarding holiday.

Do I Need Travel Insurance for Skiing or Snowboarding?

Whether you plan to ski, snowboard or participate in other snow sports in Australia or overseas, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. Snow sports travel insurance can help better prepare you to deal with unexpected and unforeseen situations that could impact your travel plans to the snow should the unexpected happen. 

Here are some situations to consider when deciding if you need travel insurance for skiing or snowboarding and whether your travel insurance policy can provide cover for these situations on your next trip to the snow:

Injuries and Medical Cover Related to Snow Sports

Injuries and Medical Cover Related to Snow Sports

Even if you're an experienced skier, a fellow thrill-seeker may make an unexpected move, you might mogul the wrong way or come off second best with an obstacle on the ski slopes. Consider if your snow sports travel insurance can provide cover for unexpected injuries or medical situations including emergency medical and hospital expenses, and emergency medical evacuation and repatriation if you become unexpectedly injured while participating in covered snow sports overseas.

It is important to note that travel insurers in Australia may not be able to provide cover for medical expenses incurred in Australia as these expenses are generally covered by Medicare and/or your Private Health Insurance.

Cover for Lift Passes, Snow Sports Equipment or Lessons

Cover for Lift Passes, Snow Sports Equipment or Lessons

If you become injured or sick during your trip you may have to sit out on snow sports activities you’ve already pre-booked and pre-paid, leaving you with out-of-pocket snow sports expenses. Consider if your snow sports travel insurance can provide some cover for pre-booked and pre-paid snow sports expenses such as your lift passes, snow sports equipment hire or lessons.

Cover for Snow Resort Closure

Cover for Snow Resort Closure

Perfect snow conditions aren’t guaranteed on your trip to the snow. Poor snow conditions, bad weather or a power failure could unexpectedly shut down lifts or lead to snow resort closure. Consider if your snow sports travel insurance can provide some cover to help reimburse you for the cost of transport to the nearest open resort or for the cost of lift passes at an alternative snow resort.

Non-Refundable Expenses from Cancelling Your Trip

Non-Refundable Expenses from Cancelling Your Trip

Becoming unexpectedly sick or injured could force you to cancel your trip to the snow. Rescheduling a cancelled ski holiday and dealing with lost deposits and non-refundable flights and snow resort accommodation can become stressful and expensive. Consider if your snow sports travel insurance can provide cover for trip cancellation expenses.

Cancellation Cover for Existing Medical Conditions

Cancellation Cover for Existing Medical Conditions

If you need to cancel your snow holiday due to an existing medical condition, you could be left out-of-pocket for non-refundable pre-paid trip bookings. You may wish to check if your snow sports travel insurance can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.

Extra Expenses Due to Travel Delays

Extra Expenses Due to Travel Delays

Bad weather and airline operational issues could cause delays and mean you might have to spend extra money on food and accommodation while you wait for a new flight to get to your destination or snow resort. Consider if your snow sports travel insurance can provide cover for travel delay expenses such as additional meals and accommodation.

These are only some of the situations that you might wish to consider when deciding if you need snow sports travel insurance.

Before you decide whether you need snow sports travel insurance for your trip, you should read the PDS to check what our snow sports cover will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

Where is Your Next Snow Trip?

Discover travel insurance for your next snow destination from the snow-capped mountains of Hakuba in Japan, to Whistler in Canada, the European Alps and more.
 
 
 
 
 
 
 
 
 
 
 
 

What is the Best Ski and Snow Sports Travel Insurance?

The best travel insurance for snow sports can be considered as a policy that provides cover for the type of trip that you’re taking. When looking for the best travel insurance for snow sports, whether you’re skiing or snowboarding, it’s important to choose a policy that aligns with your specific travel needs. This might include the snow sports and activities you plan to do, the snow sports equipment you will be travelling with, who you are travelling with and other considerations and situations that apply to you and your trip.  

Here are some examples of things you may wish to consider when reviewing the best travel insurance for snow sports that may also help you compare travel insurance policies to help you decide which policy is right for you:

Consider the Snow Sports You Will Be Doing

Consider the Snow Sports You Will Be Doing

Will you be skiing, snowboarding, snowmobiling, tobogganing, cat skiing or heli-skiing during your trip to the snow?

You may wish to consider whether the snow sports travel insurance policy provides cover for the snow sports you want to do during your trip and any conditions that may apply. Keep in mind that cover for some snow sports may require a professional snow sport instructor and may have age limits and other conditions of cover.

Consider Your Snow Sports Equipment

Consider Your Snow Sports Equipment

Will you be travelling with your own snow sports equipment like skis, snowboards or poles and worried they might be lost, stolen or damaged during your trip to the snow?

You likely might need snow sports equipment to participate in many snow sports, so you may wish to consider whether the policy includes cover for your snow sports equipment or snow equipment replacement hire.

Consider How You Will Get Around the Snow

Consider How You Will Get Around the Snow

Will you be renting a vehicle during your trip to the snow?

You may wish to check whether the snow sports travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip abroad.

Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?

You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.

Consider the Activities You Will Be Doing

Consider the Activities You Will Be Doing

Are you planning to do any adventurous activities while visiting the snow apart from snow sports?

You may wish to check whether the snow sports policy provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional premium and may have age limits and other conditions of cover.

Consider Trip Cancellation Expenses

Consider Trip Cancellation Expenses

Have you booked a tour, accommodation at your snow resort or flights?

You may wish to consider whether the snow sports travel insurance policy includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.

Consider Who You Will Be Travelling With to the Snow

Consider Who You Will Be Travelling With to the Snow

Are you planning a solo adventure, a family trip to the snow during the school holidays, or perhaps a romantic winter getaway with snow sports included?

You may wish to check whether the snow sports travel insurance policy provides cover for singles, couples and families or groups. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.

These are just some of the considerations that you might wish to consider when reviewing the best snow sports travel insurance, so you know what cover is available to you before and during your trip to the snow and under what conditions.

Before you decide on the best snow sports travel insurance for your trip, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

Multi-Award Winning Travel Insurance

The Fast Cover team always strives to deliver the best travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

Travel Insurer of the Year

2023 WeMoney Awards†

The Benefits of Snow and Ski Travel Insurance

Depending on the level of cover you take out with your travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. It is important to note that snow sports cover and benefits are only available with the Snow Sports Plus policy for international travel or with the Domestic Plus policy for travel within Australia with certain terms and conditions of cover. ^ Compare our travel insurance policies below. 

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.


Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

What is Not Covered in our Snow Sports Travel Insurance?

It’s important to know not just what your snow sports travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance. 

Below are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

If you become injured while breaking the law

If you become injured while breaking the law

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.

Remember that possession of certain drugs is illegal and different countries have different laws. Using drugs or selling them can land you in trouble with the law overseas.

If you are intoxicated or have taken illicit drugs or prohibited substances

If you are intoxicated or have taken illicit drugs or prohibited substances

Whilst it may not be illegal to have a drink overseas, alcohol consumption laws vary from country to country, and between regions within some countries. Make sure to research your travel destinations and follow the local laws. Keep in mind that alcohol consumption in certain situations might result in certain exclusions being likely applied to your travel insurance policy. As an example, if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.

Certain drugs are illegal in some countries, and you may not be covered by your international travel insurance policy when you’ve consumed drugs or been involved in drug related activities.

If you do an activity that isn’t covered by your policy

If you do an activity that isn’t covered by your policy

If you’re injured in an accident while, for example, participating in recreational skiing or snowboarding, and you didn’t add snow sports cover your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

Similarly, if you participate in a snow sports activity that requires a professional snow sports instructor, without a professional snow sports instructor, you may not be covered under your policy.

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas and within Australia.

Unsupervised belongings

Unsupervised belongings

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it at the ski resort cafe while you go skiing, this may be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location or take reasonable measures to secure them at all times and at all places.

Regular medical or dental check-ups

Regular medical or dental check-ups

There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. Your claim might be denied if it arises from or involves the cost of medication in use at the time the trip began or the cost for maintaining a course of treatment you were on prior to the trip.

Ignoring official warnings

Ignoring official warnings

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory of Do Not Travel (or equivalent if this term is replaced) was issued after policy purchase.

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel (or equivalent if this term is replaced) warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events

Known events

Known events can be considered as serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy.

If you buy your international travel insurance after an event is known, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Disappointing holidays

Disappointing holidays

Perhaps the snow was too cold your liking, you didn’t enjoy your ski lessons, or the ski resort accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your trip to the snow has shaped up, your snow and ski travel insurance is not intended to compensate you because you didn’t enjoy your time at the snow.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Why Choose Fast Cover for your Snow Trip?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

Chosen by over
501,284
travellers and counting

4.6
From over 2,527 reviews°
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4.6
From over 2,29 reviews°
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What Our Travellers Are Saying

How Can We Help, Mate?

Fast Cover’s Aussie based Emergency Assistance team are available to provide support when you need it, wherever you are, under applicable terms and conditions. ^

Overseas 24/7 Emergency Assistance

Emergency Assistance Team: +61 2 8320 7999

Emergency Consular Services

Travel Alerts and Advisories

Fast Cover Travel Alerts

Official Smartraveller Government Website

Travel Advisories Explained

Customer Service

Customer Service: +61 2 8215 7239

9am-5pm AEST Monday - Saturday

Manage Your Policy

Login to Update Policy Details

Find a Policy Document

Make a Claim Online

FAQs about Snow and Ski Travel Insurance

Fast Cover’s Snow Sports Plus policy is an optional cover available for travellers aged 69 years and under at the date of policy issue, who plan to participate in snow sports activities covered under our PDS overseas.  

The Snow Sports Plus policy is available to provide cover for a variety of recreational snow sports activities, and may provide cover for costs associated with snow sports subject to the terms, conditions, and exclusions outlined in the PDS. 

Read our PDS for more details on the terms and conditions of cover for Snow Sports so you know exactly what’s included before you decide to purchase the cover. before you head off on your trip to the snow.

The Snow Sports Plus policy is available for travellers aged 69 years and under at the date of policy purchase and includes the standard benefits from our Comprehensive policy, which provides customers travelling overseas with our top level of cover and also includes cover for snow sports and snow related benefits including: 

  • Snow Sports Equipment benefit 
  • Snow Equipment Replacement Hire benefit 
  • Snow Prepaid Expenses benefit and 
  • Snow Resort Closure benefit. 

For more information on our Snow Sports Plus policy please read our PDS for eligibility criteria, policy terms, conditions, exclusions, limits and sub limits that apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs.

Fast Cover’s Snow Sports cover is available to provide eligible travellers with cover for participating in snow sports listed under our PDS. To be eligible for our Snow Sports cover under our Snow Sports Plus policy for travelling overseas, travellers must be aged 69 years and under at the date of policy issue. Travellers who want cover for participating in snow sports overseas can consider purchasing the Snow Sports Plus policy. 

Snow Sports cover is automatically included with the Domestic Plus policy for participating in snow sports within Australia.  

Both the Domestic Plus and Snow Sports Plus policies include a number of benefits that are available to provide cover for some costs associated with ski and snow sports including the: 

  • Snow Sports Equipment benefit 
  • Snow Equipment Replacement Hire benefit 
  • Snow Prepaid Expenses benefit and 
  • Snow Resort Closure benefit. 

For more information about Snow Sports cover and snow related benefits read our PDS to understand how eligibility, terms and conditions, limits, sub-limits and exclusions may apply to you and your trip. 

‘Snow Sports’ refers to a specific list of snow-based activities listed under the ‘Snow Sports’ section of the PDS and defined under ‘Snow sports’ in the “Words with Special Meaning” section of the PDS. These activities are covered only when you purchase the optional Snow Sports Plus policy subject to the terms, conditions, exclusions, limits, and sub-limits outlined in the PDS.  

Snow Sports include: 

  • Recreational skiing and snowboarding  
  • Big foot skiing and snowboarding  
  • Cat skiing and snowboarding 
  • Cross-country skiing and snowboarding (along a designated cross-country ski route only)  
  • Glacier skiing and snowboarding 
  • Ice hockey (socially and not competitive)  
  • Ice skating  
  • Lugeing (on ice provided by a commercial operator and available to the general public only)  
  • Mono skiing  
  • Snowmobiling  
  • Snowshoeing  
  • Terrain Park skiing and snowboarding (areas available to the general public only)  
  • Tobogganing 
  • Off-piste skiing or snowboarding  
  • Backcountry skiing and snowboarding 
  • Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)    

Please note that off-piste skiing and snowboarding, backcountry skiing and snowboarding, cat skiing and snowboarding, glacier skiing and snowboarding, heli-skiing and snowboarding must be done with a Professional snow sport instructor. 

Read our PDS to learn more about conditions of cover for Snow Sports and what is included. 

Fast Cover’s Snow Sports Plus and Domestic Plus policies include a benefit called the Snow Sports Equipment benefit. If snow sports equipment owned by you is permanently lost, stolen or accidentally damaged during your trip, the Snow Sports Equipment benefit is available to provide cover for: 

  • The cost to repair the item, 
  • The cost to replace the item, or 
  • The purchase price of the item less any depreciation that applies 

in situations and circumstances covered under your policy. 

Please note that it is one of the conditions of cover that you must take care to reasonably protect and secure your snow sports equipment at all times. 

Read our PDS to learn more about the Snow Sports Equipment benefit and the eligibility, policy terms and conditions, limits, sub limits and exclusions that may apply to your trip.

Our Domestic Plus and Snow Sports Plus policies include the Snow Sport Equipment benefit which may be able to provide cover for your own snow sport equipment including skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings in some situations and circumstances covered by your policy. 

For more information about terms and conditions of cover for snow sports equipment read our PDS to understand what is covered and what is not covered. 

Cover may not available if you leave your snow sports equipment such as skis unsupervised. Under our Snow Sports Equipment benefit and Luggage and Personal Effects benefit it is a condition of cover that you must take care to reasonably protect and secure your snow sports equipment or luggage and personal effects at all times. This means you must not leave your snow sports equipment or luggage and personal items unsupervised or in a public place. 

Read our PDS for more information about the terms and conditions of cover for snow sports equipment and luggage and personal effects and how these apply to you and your trip. 

Fast Cover’s Snow Sports Plus and Domestic Plus policies include a benefit called the Snow Equipment Replacement Hire benefit. This benefit is available to reimburse you for the cost to hire replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been: 

  • misdirected or delayed for a period of more than 24-hours, or 
  • accidentally damaged, lost or stolen

during your trip in situations and circumstances covered under your policy.

Read our PDS to learn more about the Snow Equipment Hire benefit and the eligibility, policy terms and conditions, limits, sub limits and exclusions that may apply to your trip.

Fast Cover’s Snow Sports Plus policy and Domestic Plus policy includes a benefit called Snow Prepaid Expenses. This benefit is available to reimburse you for the unused portion of your pre-booked and pre-paid lift passes, snow sports equipment hire or lessons, if you are unable to participate in snow sports because you are injured or become sick during your trip and are unable to utilise the full duration of these. 

Read our PDS to learn more about the Snow Prepaid Expenses benefit and the eligibility, policy terms and conditions, limits, sub limits and exclusions that may apply to your trip. 

Fast Cover’s Snow Sports Plus and Domestic Plus policies include a benefit called the Snow Resort Closure benefit. This benefit is available to reimburse eligible travellers for the cost of transport to the nearest snow resort or for the cost of lift passes at an alternate ski resort if all ski lift systems are closed for more than 24-hours because there is not enough snow, too much snow, bad weather or a power failure during your stay at your pre-booked and pre-paid holiday resort during your trip. 

Read our PDS to learn more about the Snow Resort Closure benefit and the eligibility, policy terms and conditions, limits, sub limits and exclusions that may apply to your trip.

There may still be cover for snow sports even if you are 70 at the time of your trip, provided you are 69 years of age or under at the date of policy issue when you purchase your Snow Sports Plus. 

Read our PDS for more information about terms and conditions of cover for snow sports.

No, you must be 69 years of age or younger at the time of policy purchase, to be eligible to take out a Snow Sports Plus policy. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs.

Yes, you may be able to upgrade your policy to the Snow Sports Plus policy while you are already travelling overseas or you can purchase an Already Overseas Snow Sports Plus Policy to cover a portion of your overseas trip. For more information on policy options while you are already overseas, call our Aussie-based customer service team who are available to provide support from 9am-5pm AEST Monday – Saturday on +61 2 8215 7239. 

Read our PDS to learn more about taking out a policy while you are already overseas and the conditions of cover for Snow Sports and what is included. 

To have cover for snow sports, you have two options: 

Option 1: 

You can upgrade your existing policy to a Snow Sorts plus Policy, the additional cost  you will be required to pay will be the difference of what is already paid for existing policy and what should have been paid, had you purchased the Snow Sports Plus policy from the beginning. 

Option 2: 

You can purchase an Already Overseas Snow Sports Plus Policy, for a maximum of 21 days, to sit parallel to your single trip policy. 

  • This means that  you will have a Single trip policy and an Already Overseas Snow Sports Plus policy that will run in parallel for a period of time. 
  • You can purchase the Already Overseas Snow policy before departure or during your trip (must meet the T&Cs of cover for purchasing an already overseas policy). 
  • Coverage for claims that may occur during the Snow Policy period, will not be extended and will cease at the policy end date, unless approved by our EA team. 
  • A $500 excess applies for any claims for any event that occurs within the dates of the Already Overseas Snow policy. 
  • 48 hour waiting period applies for all Already Overseas policies regardless of when you purchase your policy. 
  • You can purchase multiple 21 days (or less) Already Snow Sports policies within the duration of your single trip policy. 

Note: For snow cover of more than 21 days, you must chase a Single trip Snow Sports Plus policy for the full duration of your trip. 

For more information on your policy options, call our Aussie-based customer service team who are available to provide support from 9am-5pm AEST Monday – Saturday on 1300 409 322. 

Each policy has specific terms, conditions, exclusions, limits and sub-limits. Not all benefits apply to all policies, so always review the PDS before deciding which policy is right for you.

If you have a Snow Sports Plus policy and wish to extend this policy, it would not be possible to remove the snow sports cover from your policy. 

If you wish to end your snow sports cover, you would need to purchase an Already Overseas policy for the period that you wish to stay overseas, past the original return date of your policy. 

Please note that policies purchased while you are already overseas are subject to a 48-hour waiting period for all benefits regardless of when you purchase your policy and a $500 excess for all claims. It is not currently possible to reduce this excess. 

For more information on extending your cover or purchasing an Already Overseas policy, please read our PDS for eligibility, terms and conditions, limits, sub-limits and exclusions that may apply to you and your trip before deciding which policy is right for you and your individual needs.

No, there is no cover for overseas emergency medical and hospital expenses if you do not have a Snow Sports Plus policy and you become injured whilst participating in any snow sports listed in our PDS. You must take out a Snow Sports Plus policy if you would like to be covered for participation in any snow sports listed in our PDS. 

Read our PDS to learn more about conditions of cover for Snow Sports and what is included. 

No, there is no cover for snow sports on our Frequent Traveller Saver policies. 

You might need to purchase a separate Snow Sports Plus policy to be covered for snow sports on your trip. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs. 

Snow Sports cover is automatically included with all domestic policies provided by Fast Cover. It is not possible to remove Snow Sports cover from a Domestic Plus travel insurance policy.

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Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.   

# 25-day money back guarantee applies provided your trip has not started and you have not exercised any rights under the policy (e.g. made a claim or used the policy to obtain a visa).   

† Fast Cover has a referral arrangement with this company. Awards are only one factor to be taken into account when deciding whether this product is right for you. The awards are accurate as at 21/08/25. Check Product Review, Finder and WeMoney for current awards.

° Ratings are only one factor to be taken into account when deciding whether this product is right for you. The star rating is accurate as of 13/08/25. Check Product Review and Google for current ratings.  

~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and to confirm whether the information provided in these resources is correct and current.