Winter sports travel insurance for expats

Winter sports travel insurance is designed for the unique needs of ski and snow holidays. Standard policies often don’t include cover for things like lost equipment, piste closures or slope-side injuries – so adding winter sports cover gives you extra protection and peace of mind when the unexpected happens.

 

When you add winter sports cover to your policy, you’ll get protection for: 

 

• lost, stolen or damaged ski or snowboard equipment – including hire costs for replacements if your gear is delayed or missing 
• ski pass replacement if yours is lost, damaged, or stolen 
• unused ski school, instructor, or lift pass costs if you can’t ski due to illness or injury 
• piste closure – compensation or travel to an alternative ski area if your resort’s lifts are closed due to lack of snow 
• avalanche or landslide disruption – extra travel and accommodation costs if you can’t reach your resort or your return is delayed 

We cover most pre-existing medical conditions – even for older travellers or those with complex health needs – so you can explore with confidence. From asthma and diabetes to heart conditions and high blood pressure, we’re here to help you travel safely. 

 

When you get a quote, you’ll complete a short medical questionnaire so we can tailor your cover to your needs. 

 

• Medical and repatriation protection included as standard. 
• 24/7 medical emergency helpline, wherever you are in the world. 
• Fast access to approved care abroad, with direct billing to hospitals where possible. 

 

Even if you have a GHIC or EHIC, these only cover limited state healthcare and won’t pay for private treatment or getting you home – that’s where we step in. 

Our claims process is designed to be clear, supportive and fast – so you know what to expect if something goes wrong. 

 

• Friendly, English-speaking expert claims team on hand to guide you 
• Clear step-by-step advice on what information to provide 
• Quick, fair decisions and prompt payouts on approved claims 
• Direct hospital billing where possible for emergency treatment 

 

Customers often tell us how quick and simple they found our claims process:

 

•  1st class service and quick to pay claim
  "Got sick on a trip to Thailand. Never made a claim in my life for anything but it was so easy when I got home. I spoke to them when I was in Thailand and they were very helpful. Claim paid out as expected. Highly recommended.” – Terry, Trustpilot review

 

• Superb, no hassle service.
  “We are choosing Staysure again as we had to make a claim some years ago and there was no fuss whatever in getting our money back from treatment on a cruise ship. We wouldn't even consider another company.” – Donna, Trustpilot review 

Every trip is unique – and so is your cover. Choose from these optional extras to make sure you have the protection you need: 

 

• Cruise cover – protects you if you miss ports, are confined to your cabin, or face cruise-specific medical emergencies. 
• Excess waiver – pay no excess for each item you claim for. Must be added before you travel.* 
• Single item cover – increase cover for high-value baggage items up to €1,000 (standard limit is €450 per item). Must be added before you travel.* 
• 100-day upgrade – extend a 50-day trip to 100 days for one trip (for ages 70 and under, Comprehensive annual policies only).^ 

 

^{*Available on Comprehensive policies only. 
^Available on Comprehensive annual policies only.} 

It’s quick and easy to get covered in just a few steps: 

 

1. Tell us about your trip – share your destination, trip length, and whether you need single trip or annual cover. 
2. Pick your cover level – choose from Basic or Comprehensive. 
3. Add your extras – personalise your policy with cruise cover or other options. 
4. Get covered and travel with confidence – cover starts immediately for single trips, or from your chosen start date for annual policies. Your documents will be emailed instantly.