Ski and Snowboarding Travel Insurance

Thredbo or Hotham, Aspen or Whistler; hitting the slopes can be a thrill seekers dream. This adventure comes with its own risks so get Ski Insurance you can count on.

Ski & Snowboarding Insurance Features & Benefits

1Cover provides cover for winter sports activities, including skiing and snowboarding (Heli-skiing is also available at an additional cost). 1Cover’s Winter Sports Insurance policy provides cover for activities and events on and off piste within the resort boundaries. If you are looking for professional ski insurance please contact our call centre.


  • You can get our specialist ski and snowboarding cover for both domestic and international plans.

  • Hurt yourself on the slopes? We provide cover for emergency evacuation from the ski slopes to the nearest hospital for treatment.

  • Snow ski equipment hire is also covered, so if something happens to your own you don't lose out on time on the slopes. 

  • Cover is also provided for prepaid ski pass, ski hire and ski lessons plus cover for your own snow gear and ski equipment.

  • We cover extra travel and accommodation expenses if your journey is delayed for more than 12 hours because of an avalanche or bad weather.

Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply. 


FAQs About Ski & Snowboarding Travel Insurance

  • Am I Covered For Heliskiing?
  • You may purchase additional coverage at a premium for claims that may arise from you heliskiing on a single journey heliskiing adventure. You may purchase this additional option after your policy commences, however this additional option must be purchased at least 24 hours before you commence heliskiing. A $500 Excess applies if you purchase this additional option and your claim Arises due to your participation in heliskiing as mentioned above. Terms and conditions, limits and exclusions apply. Please refer to the PDS for further information.

  • Am I Covered For Off-Piste Skiing & Snowboarding?
  • Yes we provide cover for off-piste skiing and snowboarding as long as it is within a short distance from designated areas of ski resort boundaries on groomed terrain that are open and patrolled by the ski resort.

  • Do Your Policies Provide Cover For Backcountry?
  • The risk here is too big so we don't cover Backcountry Skiing - skiing in a sparsely inhabited rural region over ungroomed and unmarked slopes.

  • Am I Covered For Rental Ski Equipment Hire Excess?
  • Rental Ski Equipment Hire Excess can be covered at an additional premium. This covers the excess on snow ski equipment hire insurance policy. Please call our team for details.

  • Can I Purchase An Annual Ski & Snowboarding Insurance Policy?
  • Yes of course. We provide both single and annual specialist winter sports cover which you can use for an unlimited number of Journeys. Annual Ski and Snowboarding Insurance Policies can be purchased for either worldwide or domestic trips. The maximum period of cover for anyone Journey cannot exceed 21 days. 

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.


Full list of FAQs


Table of Benefits - Ski Insurance 

Our specialist winter sports cover includes cover for a range of things that could go wrong on the slopes. Explore our Table Of Benefits below to see all the cover provided for both comprehensive and frequent traveller ski policies.

Key Benefits Ski Plus Ski Plus Annual

Overseas Emergency Medical Assistance

Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees.

Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses*

Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.

Includes Dental Expenses (Per Person)*

Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. 







Luggage & Personal Effects*

Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer.

$5,000 $5,000

Cancellation Fees & Lost Deposits*

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.

Unlimited Unlimited

Rental Vehicle Excess*

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so.

$5,000 $5,000

Medical Benefits

Medical Benefits Comprehensive Frequent Traveller

Additional Accommodation & Travel Expenses

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

Includes Family Emergency

Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

Includes Emergency Companion Cover

Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.

$50,000 $50,000

Resumption of Journey

Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours.

$3,000 $3,000

Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas.

$5,000 $5,000

Accidental Death

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury.

$25,000 $25,000

Permanent Disability

A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.

$25,000 $25,000

Loss of Income

A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.

$10,400 $10,400

Emergency Rescue*

Medical transfer or evacuation if you injure yourself whilst on the ski slope.

Unlimited Unlimited

Luggage Benefits

Luggage Benefits Comprehensive Frequent Traveller

Credit Card Fraud & Replacement

Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

Includes Travel Documents & Traveller's Cheques

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

$5,000 $5,000

Theft of Cash

Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders.

$250 $250

Luggage & Personal Effects Delay Expenses

Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.

$250 $250

Cancellation Benefits

Cancellation Benefits Comprehensive Frequent Traveller

Disruption of Journey

Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. 

$1,000 $1,000

Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. 

$5,000 $5,000

Ancillary Benefits

Ancillary Benefits Comprehensive Frequent Traveller

Personal Liability*

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

$5 million $5 million

Domestic Pets

Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away.

$500 $500

Domestic Services

Cover for house keeping services following injury/disablement continuing upon your return home.

$500 $500

Snow Skiing Hire Equipment*

Cover for the cost of hiring alternative snow skiing equipment following the loss, theft or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours. 

$1,500 $1,500

Ski Pack*

Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness.

$750 $750

Piste Closure*

Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort.

$1,000 $1,000

Bad Weather and Avalanche Cover*

Cover for extra travel and accommodation expenses if your pre-booked outward or return journey is delayed for more than 12 hours as a result of bad weather or avalanche.

$750 $750

 *$100 excess payable


Please note that the cover limits for domestic ski insurance policies are the same as above excluding the following:

  • Overseas Emergency Medical Assistance
  • Overseas Emergency Medical & Hospital Expenses
  • Resumption of Journey
  • Hospital Cash Allowance
  • Credit Card Fraud & Replacement
  • Theft of Cash
  • Luggage & Personal Effects Delay Expenses
  • Alternative Transport Expenses
  • Domestic Pets
  • Domestic Services

No excess is payable for domestic ski policies. 

Further Reading

We offer specialist winter sports insurance, for both recreational and professional snowboarders.


Snowboarding Insurance

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Activities Guide

Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.


What Is Covered?




Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.



One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring Australia or the rest of the world, we have a travel insurance policy to suit your needs.


Local Call Centre

Our Call Centre is based in Sydney. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our single and family policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.