$unlimited overseas medical and hospital cover if you have an accident in the snow.^
What does snow sports travel insurance cover?
Snow sports insurance covers more than just ski accidents. Add Ski & Winter Sports Cover to your RACV Travel Insurance policy and only pay for the days you’re actually on the snow (available on select plans).
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
International medical and evacuation
Bad weather and avalanche
Get reimbursed for extra accommodation when conditions keep you from leaving the mountain.##
Snow gear hire
Cover for gear hire in case your equipment is lost, stolen, damaged or delayed while travelling.##
Piste closure
If the slopes are closed, cover is available for new lift passes or transport to the nearest resort (only with International policies).
Check which winter sports are covered
RACV Ski & Winter Sports travel insurance includes a wide range of activities, whether you live to ski or it’s your first time in the snow. Conditions and exclusions apply.
- Included
- Not included
How to add Ski and Winter Sports Cover
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Start a quote online
Choose between Single Trip, for an international or domestic snow holiday, or Annual Multi Trip to cover you for the whole ski season.
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Select ‘Ski & Winter Sports’
You'll see this as an optional extra during the quote process. Specify which days of your holiday you'll be in the snow so you only pay for the cover you need.
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Review and pay
Take a moment to check your inclusions, limits and exclusions, then pay online. Keep your Certificate of Insurance close in case you need to make a claim.
Explore the benefits of RACV Travel Insurance
Choose your travel insurance plan
You can add snow sports cover to most RACV Travel Insurance policies. Choose the level of cover for your trip, then add Ski and Winter Sports at the quote stage.
International travel insurance
Add snow sports cover to International Comprehensive or Essential policies and enjoy important benefits like overseas medical and hospital.
Domestic travel insurance
Help protect your next Aussie ski holiday, with cover for lost or stolen luggage, cancellations and disruptions.
Annual multi-trip cover
Living for the snow? Get an annual travel insurance policy for unlimited trips within a 12-month period and choose from 30, 45 or 60 day max trip duration.
Tips for skiing and snowboarding holidays
A great ski holiday comes down to preparation. A few basics can make all the difference between a great run and a costly one.
Frequently asked questions
Most standard travel insurance policies don't cover snow sports automatically, because skiing, snowboarding and similar activities are treated as high-risk by insurers.
To help protect your ski trip, you usually need to add a winter sports or snow sports cover option to your policy. With RACV Travel Insurance, you can add Ski & Winter Sports Cover at the quote stage to include this protection. Without the add-on, claims related to snow-based activities likely won't be covered.
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Comprehensive travel insurance with snow sports cover is strongly recommended for any ski or snowboard trip. Skiing and snowboarding are classed as high-risk activities, which means standard travel insurance typically excludes injuries that happen on the slopes, along with other events that can make a ski holiday costly, such as severe weather and avalanches.
RACV Ski & Winter Sports Cover includes:
- Overseas medical bills and emergency evacuation.
- Equipment hire costs to replace damaged or stolen ski and snow gear.
- Cover for lift passes that have been lost or stolen.
- Additional accommodation if bad weather or an avalanche keeps you on the mountain.
- Reimbursement for lift passes or transport to a nearby resort if the slopes are closed (only on International Comprehensive and Essentials policies).
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When you’re looking into snow sports insurance, you should make sure that your cover includes:
- Overseas medical bills and emergency evacuation
- Replacement or hire of lost or damaged ski and snowboarding equipment
- Compensation for lost or stolen lift passes
- Reimbursement for costs related to bad weather and piste closure.
It's also worth checking whether off-piste skiing is included as most insurers only cover it if you're with a professional guide. Read the policy wording carefully to compare inclusions, exclusions and limits across providers.
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Ski & Winter Sports Cover can be added to most RACV Travel Insurance policies:
- International Comprehensive and Essentials
- All Domestic policies
- Annual Multi-Trip
Single Trip plans cover one-off international or domestic holidays to the snow. Annual Multi-Trip provides continuous cover for 12 months – ideal if you're hitting the slopes more than once a season.
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* RACV Member discount applies to the premium only (not applicable taxes).
^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
## These limits are per policy.
++ Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
Learn more
Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.