Snow sports travel insurance for ski and snowboard trips
Snow sports travel insurance from Go Insurance is an optional cover you add when you buy your policy. Without it, there’s no cover for anything that happens while skiing or snowboarding, including overseas medical costs.
It also covers your skis or board, hire gear, unused lift passes and lessons, and extra costs if your resort closes.
How Snow Sports cover works
Cover is subject to the limits, conditions and exclusions in the PDS. Read the PDS, which includes our Financial Services Guide.
No Snow Sports cover means no medical cover on the slopes
A standard policy excludes snow sports. If you break a leg skiing in Japan or need a helicopter off a mountain in Canada, overseas medical cover only applies if Snow Sports was selected and is on your Certificate of Insurance.
Recreational ice skating, curling and tobogganing are the exceptions. They’re covered without the add-on.
What snow sports travel insurance covers
Limits per traveller on Go Basic, Go Plus and Go Elite:
Go Ultra has higher limits, including $5,000 for snow gear and $2,500 for passes and lessons. Your excess applies to gear and passes, but not to hire, piste closure or avalanche.
Activities that need Snow Sports
On piste means groomed terrain, marked slopes and open trails that the resort maintains and patrols. Planning to go off piste? Call us on 1300 819 888 before you buy.
Adding Snow Sports to your policy
Select Snow Sports
Add Snow Sports from the optional covers and make sure it covers every day you’ll be on the snow.
Declare off-piste plans
If you’ll ski outside marked runs or resort boundaries, tell us before you buy so we can assess it.
Check your certificate
Make sure Snow Sports appears on your Certificate of Insurance before you leave.
What Snow Sports cover doesn’t pay for
Snow Sports also follows the conditions of the personal property and cancellation sections of the PDS.
What to have ready
Snow sports travel insurance: frequently asked questions
What skiers and snowboarders most often ask before they buy.
Do I need snow sports travel insurance to ski overseas?
Yes. Go Insurance policies exclude snow sports unless you select Snow Sports cover and pay the extra premium. Without it, there’s no overseas medical cover for injuries while skiing or snowboarding, and no cover for your gear or lift passes.
Which snow activities are covered?
Skiing, snowboarding and snow blading on piste, which means groomed, marked and patrolled runs at a resort. Snowmobiling is covered with a licensed commercial operator. Recreational ice skating, curling and tobogganing are covered without the add-on.
Am I covered skiing off piste or in the backcountry?
Only if you declare it and we accept it when you buy the policy. Otherwise there’s no cover for snow sports off piste, outside designated commercial ski areas, or in any area that has been closed.
How much is my ski or snowboard gear covered for?
Up to $1,000 per traveller, with a maximum of $500 per item or pair, for your own or hired gear. On Go Ultra the limit is $5,000, with $750 per item or pair. Gear damaged while in use, or lost from a roof rack, isn’t covered.
What if I’m injured and can’t use my lift pass?
We cover the unused portion of prepaid lift passes, hire and lessons, up to $1,500 per traveller. You’ll need proof of the prepaid fees and a medical certificate confirming the dates you couldn’t ski.
What happens if my resort closes?
If a lack of snow, piste closure or avalanche closes the facilities at your pre-booked resort, we cover reasonable travel and accommodation costs to reach another resort, at $50 for each day you can’t ski. The piste closure benefit only applies during the local ski season.
Does an Annual Multi Trip policy include snow sports?
Yes. An Annual Multi Trip policy includes 30 days of Snow Sports cover.
Is ski racing or ski stunting covered?
No. Ski, snowboard, snow blade and skibob racing, ski jumping, ski acrobatics, ski flying and ski stunting aren’t covered, and neither are ice hockey, bobsleigh, skeleton, luge or speed skating.