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Travel Insurance with optional Ski and Snow Sports Cover

Add Ski and Snow Sports Cover to your Travel Insurance. If the unexpected happens on the slopes, we’re here 24/7 to help with medical care, evacuation and more.

You could save on your travel insurance

You could save 10% on a new travel policy if you already have insurance with us.1

Why add cover for ski and snow sports?

Planning a ski holiday? Don’t forget to add Ski and Snow Sports Cover to your domestic or international travel insurance policy.

Ski and Snow Sports Cover is designed to protect you from some of the things that can go wrong on a snow holiday. It covers medical care (international policies only), evacuation, stolen gear, delays, cancellations and more.

Make sure you stick to the conditions listed in the product disclosure statement (PDS) and be sure you’re skiing or snowboarding on-piste and within resort boundaries. You’re not covered for racing or professional events.

Check the PDS for full details, including limits and exclusions, before you buy any ski holiday insurance.

Insurance

What does Travel Insurance with optional Ski and Snow Sports Cover include?

Included

With our travel insurance plans (cover varies depending on the plan you choose), optional Ski and Snow Sports Cover can include

  • Overseas medical expenses, evacuation and repatriation if you’re injured while skiing or snowboarding (up to $10 million2 with Essentials, and $Unlimited2 with Comprehensive).

  • Cancellation benefits for unused prepaid arrangements, like passes or lessons, if a covered event stops your ski trip (limits vary).

  • Luggage and personal effects, including ski equipment when not in use (up to between $5,0003 and $12,0003).

  • Travel delay (available on the Comprehensive plans only) and delayed luggage allowance (international plans only) if your transport or bags are held up (limits vary).

  • Rental car insurance excess cover (up to $5,000 with Essentials, and up to $10,000 with Comprehensive).

  • 24-hour emergency hotline – speak to our expert, multilingual team at any time, from anywhere in the world.

  • Legal liability – we'll cover your legal and settlement costs in some situations if you accidentally injure someone or damage their property while snow skiing or snowboarding.

Not included

These are some things we don’t cover

  • If you’re competing professionally, skiing or snowboarding outside resort boundaries (off-piste), or sporting equipment while it’s being used.

  • Legal liability if you accidentally injure someone or damage their property while snowmobiling.

  • Known events – we don't cover incidents due to things you should know about that are published in the mass media, like a pandemic, or if you travel against warnings or official advice.

  • We don't cover medical, hospital or dental costs in Australia ever.

Options to vary your cover

Add these when you get a quote

  • Reduce or remove your excess by paying an additional premium (international plans only).

  • Cover for any valuables you might take, like your phone, camera or laptop.3

  • Annual multi-trip if you’re planning a few getaways this year.

Annual multi-trip

Take as many trips in a year as you want to your chosen destination or area, all on the one policy. All our annual multi-trip plans are provided under our Comprehensive Travel Insurance plan, giving you our highest-level travel insurance.

You can select cover for up to 30, 45 or 60 days per trip for international policies (15 or 30 for domestic). That way, you can travel as often as you like throughout the year (up to your chosen limit).

To be covered by an annual multi-trip plan, your destination must be over 250km from your home. Or, if your destination is less than 250km from your home, your trip must include at least one night of paid accommodation (like in a hotel or Airbnb).

Choose the cover that’s right for you

Consider where you’re heading and what you plan to do. Start by selecting the travel insurance plan that suits your trip – domestic or international.

Next, consider if you would like to add optional Ski and Snow Sports Cover when you get your quote so it appears on your Certificate of Insurance.

Then, think about the extras you might need. Are you taking valuables like your camera or laptop and do you need valuable items cover? Or if you’ll ski more than once this year, does an annual multi-trip suit you?

This way, you’ll have cover that suits the way you travel. Always check the PDS for all limits, conditions and exclusions before you buy.

Benefits of Ski and Snow Sports Cover

Ski holidays don’t always go to plan. Add Ski and Snow Sports Cover so we’re here to help if something goes wrong.

All benefits are subject to the limits, conditions and exclusions set out in the PDS.

Overseas medical care and evacuation

Feel confident even if you get injured on the slopes. We’ll help with overseas medical costs (for approved claims) and arrange evacuation or repatriation when needed. You’ll have 24/7 global assistance from our team of nurses, doctors, paramedics, case managers and travel agents to coordinate your care.

Winter sports activities

Hitting the runs or taking lessons? You’re covered for skiing, snowboarding and snowmobiling when you add Ski and Snow Sports Cover. Make sure you stick to the conditions listed in the PDS such as staying on-piste, within resort boundaries, and don’t participate in a race or professional event. Liability cover for snowmobiling is not available.

Cancellation costs

If illness or injury means you can’t use prepaid passes, lessons or equipment hire, cancellation cover can help with lost deposits or expenses, up to the limit you choose.

Ski equipment (when not in use)

Your skis, snowboard and other gear are covered if they’re stolen, lost or damaged while not in use. Sporting equipment isn’t covered while you’re using it.

Travel delays

If your pre-booked transport is delayed for six hours or more, you may be able to claim for accommodation and extra travel expenses (available on the Comprehensive plans only). If your luggage is delayed for 12 hours or more, we’ll help with the cost of essentials while you wait (international plans only).

Rental car excess

Hiring a car to reach the resort? Your policy includes a benefit to cover the rental car insurance excess if it’s damaged or stolen.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Product Disclosure Statement
Target Market Determination

With 100 years’ experience, we know how to protect the things you care about

Protection for trips within Australia, from city breaks to coastal getaways.

Learn about Domestic Travel Insurance

Cover for overseas holidays, with support available 24/7 worldwide.

Learn about International Travel Insurance

We’re here to give you the emergency assistance you may need, 24 hours a day, 7 days a week.

Learn about our 24/7 assistance
FAQs

Ski and Snow Sports Cover FAQs

Read more

Yes. Standard travel insurance excludes winter sports, so you’ll need to add optional Ski and Snow Sports Cover when you get a quote for protection on the slopes. It will then appear on your Certificate of Insurance.

No. Cover applies only when you ski or snowboard on-piste and within resort boundaries. Off-piste, racing, or professional participation are excluded.

No. Sporting equipment isn’t covered while in use. It is covered if it’s lost, stolen or damaged while not being used (subject to the PDS conditions including limits and proof-of-ownership requirements).

If a covered event like illness or injury stops you from skiing, cancellation cover may reimburse unused prepaid arrangements, up to the cancellation limit you choose at the time of purchase.

If your pre-booked transport is delayed by six hours or more, you may be able to claim for accommodation and extra travel expenses (available on the Comprehensive plans only). If your luggage is delayed by 12 hours or more, a luggage allowance can help cover essentials (international plans only).

Our global team can arrange medical care, pay approved bills, and organise evacuation or repatriation if required. They can also help with replacing lost travel documents or changing your travel plans.

Yes, but if you have already departed on your journey when you purchase your policy, your cover is subject to a three day no cover period. Meaning no cover will apply to any claims that have already arisen or that arise within the first three days of your policy.

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Things you should know

  1. This discount is available for existing NRMA Insurance customers. Discount applied to total premium price (including government charges, taxes, levies and fees). We may withdraw this offer at any time.
  1. Cover will not exceed 12 months from the onset of the illness or injury.
  1. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD). If you purchase this product from NRMA Insurance or its authorised distributors, they may receive a commission, for more information please refer to NRMA Insurance’s FSG.