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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Best Ski Travel Insurance

Medical Expenses
HK$500,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$10,000
Premium
PremiumHK$30915% Off
HK$262.65
  • Maximum amount of overseas hospitalization subsidy: HK$500 per day (cash)
  • Emergency Medical Evacuation Coverage: Based on actual expenses
  • Amount of coverage for follow-up consultation due to accidental injury: 100% of the maximum compensation amount

All the above contents are for reference only, for the most accurate information, please refer to the official website

MoneySmart Exclusive
Medical Expenses
HK$1,000,000
Trip Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Premium
PremiumHK$27930% Off
HK$195.30
【MoneySmart Exclusive Offer】
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.
(Provided by Generali)
Valid until 29 Feb 2024
  • 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

Medical Coverage (Overseas)
HK$500,000
Trip Cancellation
HK$0
Loss/Damage of Baggage
HK$0
Premium
PremiumHK$14120% Off
HK$112.80
  • 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

MoneySmart Exclusive
Medical Expenses
HK$2,000,000
Travel Cancellation
HK$40,000
Loss/Damage of Baggage
HK$25,000
Premium
PremiumHK$326.30140% Off
HK$195.78

【MoneySmart Exclusive Offer】
Enjoy 40% discount on Allianz Travel Insurance via MoneySmart! And for a limited time only, with each purchase of Allianz Travel Insurance of HK$180 premium or above (after discount), you will receive a gift of one HK$50 Park-N-Shop e-Coupon as a gift!

Valid until 31 Mar 2024
  • 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

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.