Skiing is a hazardous sport, and insurance companies know that you are far more likely to have an accident on the slopes than you are lying on a beach in the Mediterranean. Because if this, policy providers usually put exclusions into regular travel insurance which restricts travellers from taking part in any high-risk activity like skiing and snowboarding.
This means that you will have to take out special insurance to cover you on your ski trip. If you rely on your standard policy, you may be in for a nasty shock when it comes to paying a medical bill as it is more than likely that your policy provider will not be accountable for your expenses.
What if I have an accident that is not ski related?
Any good winter sports cover should also underwrite any accident or injury that you suffer while you are away, regardless of whether this was happened while you were skiing or not.
What else should it cover?
As well as insuring you against any accident you have whilst skiing or snowboarding, you should be covered for any accident or any injury that occurs away from the slope, as well as any injury to another person that you have caused. All your ski or snowboard equipment should be underwritten, too.
In addition, your policy should include all areas that any regular cover would, like delays and cancellations of your holiday. Most will cover you for theft, loss or damage of any personal item, cash, passport, luggage, etc, as well as any damage you cause to another person's property or possessions.
Never assume that you are covered for the above. You should always read any insurance policy thoroughly to make sure you have an adequate level of cover for your individual needs.
Where can I get my ski insurance from?
You could take out your cover with the tour operator or travel agent that you book your holiday through, but you are probably going to find a competitively-priced quote if you contact a policy provider directly, either over the phone or over the internet.