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.
Ski Travel Insurance Guide
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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.
Best Ski Travel Insurance
Generali Bravo Travel Protector - Classic Plan
- Medical Expenses
- HK$1,000,000
- Trip Cancellation
- HK$20,000
- Loss/Damage of Baggage
- HK$15,000
- PremiumPremium
HK$27925% Off - HK$209.25
New customers are eligible 5% Travel Expert discount offer for booking Macau Hotel if purchased any Generali’s GI policy via MoneySmart during the promotion period.
- Maximum amount of overseas hospitalization subsidy: HK$5,000 (cash)
- Emergency Medical Evacuation Coverage: Based on actual expenses
- Maximum medical insurance amount: HK$1,000,000
All the above contents are for reference only, for the most accurate information, please refer to the official website
STARR Companies TraveLead Essential Plan
- Medical Coverage (Overseas)
- HK$500,000
- Trip Cancellation
- HK$0
- Loss/Damage of Baggage
- HK$0
- PremiumPremium
HK$14120% Off - HK$112.80
【MoneySmart Exclusive Offer】
MoneySmart customers who successfully apply for a Starr Travel Insurance product during the promotional period will be entitled to 200 SmartPoints, if the premium reaches **HK$300 or above will be entitled to 600 SmartPoints! (**Equivalent to HK$60 Rewards amount, to redeem e-vouchers such as,
- HK$50 HKTVmall E-voucher;
- HK$50 YATA E-voucher;
- or other e-vouchers/products from over 20+ brands
Learn More about how SmartPoints works here. T&C apply.
- Maximum amount of overseas hospitalization subsidy: HK$400 per day (cash)
- Emergency Medical Evacuation Coverage: Based on actual expenses
- Upon medical follow-up coverage amount: HK$500,000 (HK$200 for one case per day, HK$1800 per policy period)
All the above contents are for reference only, for the most accurate information, please refer to the official website
![Allianz Travel - Gold Plan [for ages 0 to 54]](https://photos-hk.cdn-moneysmart.com/travel_insurance/uploads/products/images/image_url_2022-11-29_Allianz_Travel_HK_NewHeader.png)
- Medical Expenses
- HK$2,000,000
- Travel Cancellation
- HK$40,000
- Loss/Damage of Baggage
- HK$25,000
- PremiumPremium
HK$326.30140% Off - HK$195.78
- Maximum amount of overseas hospitalization subsidy: HK$10,000 (HK$500 per day) (cash)
- Emergency Medical Evacuation Coverage: Based on actual expenses
- Maximum medical insurance amount: HK$2,000,000
- Upon medical follow-up coverage: HK$10,000
All the above contents are for reference only, for the most accurate information, please refer to the official website
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FAQ
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.