Best Ski Travel Insurance 2024

If you're planning for a ski trip this winter, don't forget to purchase travel insurance that covers amateur dangerous sports once you finish booking your flight and hotel accommodation. Although coverages may vary among different providers, they generally provide coverage for amateur dangerous sports and activities.
If you would like to find out more about ski travel insurance, read this article to learn more about ski travel insurance’s key coverage, what to consider before buying one, and our ski travel insurance recommendations.

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What Does Ski Travel Insurance Cover?

Medical Expenses

If the insured is injured during skiing and needs to be taken to the hospital, the medical expenses involved will be covered by the insurance company. However, it is important to note that the medical expenses must be incurred by the insured within 180 days from the first injury. In addition, many insurance companies such as Starr, MSIG and FWD also provide overseas hospital cash allowances to fund the daily expenses of the insured.

Personal Accident

If the insured is injured during skiing, and resulting in death, total permanent disability or loss of any major body organ or part within 12 months of the accident, the insurance company will pay out a percentage based on the severity of the injury. The maximum compensation amount ranges from HK$500,000 to $1,500,000.

Follow-up Treatment

If the policyholder is injured during skiing, and a follow-up treatment is required within 90 consecutive days after returning to Hong Kong or within 90 consecutive days after the policy has expired, (whichever earlier), the cost incurred will be covered by the insurance company.

However, the insured must have received the first medical treatment outside Hong Kong. In addition, some insurance plans will cover the cost of follow-up consultations by registered Chinese medicine practitioners / bone-setting / acupuncturists or physiotherapists referred by doctors.

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What is not covered in ski travel insurance?

Some insurers impose restrictions on height, depth, or age. Therefore, it is important that you read the exclusions before purchasing the insurance to manage your expectations.

How to choose ski travel insurance?

Policyholders should pay attention to 1) compensation amount, 2) exclusions, and 3) deductible costs to ensure the journey is covered.