Get Ski Travel Insurance

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

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.

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.*

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.

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.*


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

This enhanced plan is designed for more active trips. Get the highest available benefit limits for Sporting Equipment, Medical & Dental and Emergency Assistance & Transportation coverages.
Trip Cancellation 100% trip cost insured
Trip Interruption 175% trip cost insured
Baggage Loss
$2,000 per person
Medical & Dental
$250,000 per person
Learn More
Our Preferred plan includes coverages for Sporting Equipment and has better Trip Interruption benefits than the Standard Plan, in case a winter storm hits.
Trip Cancellation 100% trip cost insured
Trip Interruption 150% trip cost insured
Baggage Loss
$1,500 per person
Medical & Dental
$150,000 per person
Learn More
This basic plan includes Trip Cancellation, Trip Interruption, Baggage Delay, Medical and Dental Coverage, plus 24/7 assistance services. But, it has no Sporting Equipment coverage.
Trip Cancellation 100% trip cost insured
Trip Interruption 125% trip cost insured
Baggage Loss
$1,000 per person
Medical & Dental
$50,000 per person
Learn More

Frequently Asked Questions

Could I be covered if I cancel my trip because of work obligations or job loss?

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).

How can travel insurance help me if I get sick or injured?

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.

What types of winter sports can travel insurance cover?

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.

How can travel insurance help in case of weather delays on my trip?

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