Skiing and Medical Insurance: What Every Adventurous Spirit Should Know
What happens if you get injured whole skiing or snowboarding? Does insurance cover you? Find out from the Alea team. Learn more. Alea works with 25+ insurers!
Reviewed by a licensed advisor
Winter holidays are coming and for some of us, this may mean skiing or snowboarding. But before enjoying the mountain views and going down the slopes, it is important to know whether accidents or injuries are covered by your health insurance plan.
In general, high-risk activities and extreme sports are excluded from standard medical insurance plans and you may need to purchase sport-specific insurance.
Are skiing-related injuries covered by all insurers? We at Alea have reviewed your options. Word of caution: Wear a helmet and keep your insurance card in your snow jacket!
Sports-specific insurance conditions & exclusions
Insurance Providers | Sports-specific Conditions & Exclusions |
|---|---|
Costs and consequences of dangerous sports when practiced off-piste, such as skiing, cross-country skiing and snowboarding, are excluded. | |
High mountain ascents and off-piste mountain sports are not covered by this insurance. | |
Off-piste skiing, or any other winter sports activity practiced off-piste without an instructor with the appropriate qualifications is not covered. | |
Professional sports or hazardous activities such as winter sports are excluded by this insurer. | |
This insurer does not cover the practice of certain mountain sports such as skiing off marked slopes open to the public. However, any practice of these sports, even as an initiation, is covered if supervised by a professional. | |
Evacuation costs do not include mountain rescue costs, unless rescue is undertaken at recognized ski resorts. |
Written by
Julien Mathieu
Co-Founder & CEO | Official CFE Representative
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