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Snow Travel Insurance for Ski and Snowboarding

If you are hitting the slopes doing activities like skiing or snow boarding you can purchase our snow sports plus policy.
Snowboard guy

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into MyPolicy, or you can contact us for assistance.

Travel Insurance for skiing, snowboarding & snow sports

Are you keen to carve up the slopes on a snowboard or skis? Skate on a frozen lake, glide across the arctic tundra behind a team of huskies, or zoom down an ice luge?

Whatever winter sports you're into, make sure you have travel insurance that covers all the skiing, snowboarding and snow activities you want to do.

Even if you're an experienced skier or have been carving up the same runs for years, you can never be sure something unexpected won't happen on your next trip. 

A fellow thrill-seeker may make an unexpected move, you might hit a patch of ice or mogul the wrong way, or come off second best with an obstacle on the way down. You might not even make it out of the lodge if the weather closes in unexpectedly and shuts the lifts down completely!

A Fast Cover Snow Sports Plus policy provides cover for these types of scenarios, plus a range of other benefits.

Skiing guy

What does snow sports travel insurance cover?

Check out the table below to see all the benefits we can offer you on your next big white adventure:

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 home (per person)

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

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 $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (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 Optional 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 home (per person)

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

COVID-19 Trip Cancellation & Disruption

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

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.

Guy skiing

Who can buy Snow Sports travel insurance?

Ski and snow sports holidays are generally riskier than a holiday spent relaxing on a beach somewhere, so it’s important to have good cover before you hit the slopes.

Taking out Snow Sports travel insurance is essential for any travellers who want to do any skiing, snowboarding or other winter sports, no matter where in the world you're headed.

Fast Cover can provide Snow Sports cover for travellers up to 69 years of age, even if you're a novice skier. This includes:

  • Green run skiers or snowboarders taking a weekend break to Thredbo for their first time.
  • Expert snowboarders hitting the black runs on Mount Buller or the terrain park at Perisher.
  • Families taking the kids to the snow for the first time in Queenstown in New Zealand.
  • IEC Program participants on working holidays in Canada who want to hit the slopes on their days off.
  • Cross-country skiers and those who want to go off-piste, heli-skiing or cat-skiing.
  • Back-country snowboarders heading out with a professional snow sport instructor.
  • Travellers seeking the best conditions in top notch ski resorts in Japan, Europe or the United States for a week or two.
  • And the endless winter chasers we’re all jealous of who will be on the mountain for the whole season!

Wherever you're planning your next white trip, don't forget to pack your ski travel insurance.

With a ski travel insurance policy, you’ll be able to jump on the lift with confidence knowing you've got great cover for your winter holiday.

Question mark
Why do I need to buy Snow Sports travel insurance?

No matter where in the world you're headed, travelling always comes with a few risks. Winter sports holidays in particular have one of the highest potentials for injuries, as well as the same risks involved in travelling anywhere.

Medical expenses can quickly add up when you’re overseas, and unexpected travel delays or cancellation can quickly turn your dream holiday into a nightmare.

Some of the most common incidents travellers encounter on a winter holiday include:

  • Broken bones, dislocations and internal injuries sustained on the slopes.
  • Concussions and head injuries from colliding with objects or other skiers.
  • Hypothermia, frostbite and other cold-related injuries.
  • Unexpected cancellation of your ski holiday due to a family emergency or medical reason.
  • Theft of belongings such as mobile phones, cameras, wallets and handbags.
  • Damage to your rental vehicle in an accident on the icy roads.
  • Damage, loss or theft of your snow gear and equipment.
  • Piste closure due to bad weather conditions.

As well as providing cover in these scenarios, our Snow Sports Plus travel insurance can provide an allowance for equipment hire if yours is damaged or stolen so you don't miss out.

Compensation can also be claimed for your lift passes or the unused portion of your ski package if you have to cancel your trip early due to an injury or illness!

Why choose Fast Cover for your Snow Sports travel insurance?

Unlike many other ski travel insurance policies, Fast Cover’s snow policies cover off-piste skiing and snowboarding (with a licensed instructor), cross-country skiing and snowboarding, glacier skiing and snowboarding, back-country skiing and snowboarding (with a licensed instructor), heli-skiing and snowboarding, cat-skiing and snowboarding, terrain park skiing and snowboarding and other sports like snowmobiling, sledding and tobogganing.

Off piste

Know you've got cover when you head off piste with a professional instructor/guide to find a powder stash.6

Snow cat skiing and boarding

Cover for adventurous skiers & snowboarders.

Heli skiing and boarding

Cover for skiers and snowboarders seeking an epic experience.

Snow mobiling

Cover for those who are keen to experience everything in the snow.

Advanced terrain

Cover for the advanced skiers and snowboarders.

As specialists in the travel insurance market, Fast Cover snow sports and ski travel insurance is designed to offer excellent benefits for many skiers and snowboarders at a great price.

If you have an existing medical condition, check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

Add the Adventure Pack option to your policy if you want to compliment your snow trip with some other sports and activities like tandem skydiving, white water rafting or abseiling. And the Motorcycle Pack option is available if you're planning to ride a moped, scooter or motorcycle in the off season.

As well as essential cover for overseas medical emergencies and other unexpected expenses, Fast Cover travel insurance also includes unlimited access to a 24 hour Emergency Assistance helpline.

The emergency team can provide advice and assistance, manage your medical care, liaise with hospital staff, arrange special event transport, notify family members or next of kin if something happens to you, or even coordinate emergency evacuation and transport from anywhere in the world.

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^ 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.