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Travel Insurance that includes winter sports and skiing

Winter sports are a fantastic way to spend your holiday time. Whether you are a beginner or a seasoned veteran, the fresh air, exercise and fun make for memorable times.

However, winter sports can result in some pretty common injuries, which can be very expensive if you are abroad and have no travel insurance. Make sure you are covered, and consider getting your travel insurance from the medical experts. With Bupa Global Travel’s medical expertise and in-house emergency response team at hand, 24/7, wherever you may be, you can hit the slopes with confidence.

Our policies are simple and straightforward, with no excess / deductible or co-insurance to pay on medical claims, and no overall limit on eligible medical expenses. We offer non-medical and trip cancellation cover too, all serviced by our in-house teams.

What winter sports are covered?

While most holidaymakers will stick to skiing or snowboarding on a winter sports holiday, there are others who will want to take on multiple sports or activities, to make the most of their time on the slopes. Bupa Global covers a range of leisure and adventure sports as standard, including:

  • Downhill skiing
  • Heli-skiing
  • Snowboarding
  • Tobogganing
  • Luge
  • Cross-country skiing
  • Snowshoeing

What travel insurance options are available and how do I choose?

Your travel insurance policy structure is simple: the core cover is called Medical, and it draws on our medical expertise and experience, so if you want to protect yourself and your loved ones for medical emergencies resulting from acute unexpected illness or injury, this is ideal.

You can then add Non-Medical and Trip cancellation cover if you wish. These are all serviced by our in-house teams.

It’s that simple. Buy Medical Cover, Medical + Non-Medical Cover, or Medical + Non-Medical + Trip Cancellation Cover.

Here is a quick summary of features and benefits. For full details of benefits, limitations and exclusions refer to the product guide.

Medical Cover

Product guide (pdf)

Offers 24 hour multilingual assistance and global cover for medical emergencies resulting from acute unexpected illness and injury. Some features include:  

  • Worldwide cover as standard
  • No excess / deductible / co-payment on eligible medical expenses
  • No overall limit on the majority of eligible medical expenses. Please note limits apply to physiotherapy/chiropractor, for example.
  • Free choice of recognised hospital / treatment facility
  • In-patient and out-patient treatment
  • Crisis psychologist for mugging or assault
  • Medical evacuation and repatriation
  • Compassionate emergency repatriation and visits

Medical + Non-Medical

Product guide (pdf)

Offers the protection of Medical, plus cover for non-medical emergencies that include:

  • Baggage theft, loss, damage or delay. Please note sporting equipment is not covered.
  • Theft of passport / cash
  • Personal liability for property damage and bodily injury
  • Travel delay / missed flight connection
  • Hospital daily benefit
  • Security and legal assistance

Please see the product guide for important information about details, limits and exclusions.

Medical + Non-Medical +Trip cancellation

Product guide (pdf)

On top of the Medical and Non-Medical cover, you can buy cover for reimbursement of non-refundable costs if you cannot travel due to an unexpected serious medical condition.

Again, please see the product guide for important details regarding this benefit and the limits that apply.

Please note that the above table is simply a summary of selected policy features. For full policy conditions, benefits, limitations and exclusions please refer to the product guide.

What our travel insurance is designed to protect is your most important asset – your health, nearly anywhere in the world and for a wide range of activities – so you can enjoy yourself to the fullest.

Please make sure to read our product guide to get all the details – including key limits and exclusions - before you buy.

Single trip vs annual multi-trip travel insurance

A single trip travel insurance policy covers a trip of a defined duration, while annual policies can cover all your trips of up to 30 days – personal and business, planned or last-minute – for one year. Either way, you usually don’t need to tell us where you are going, but please contact us if you are travelling to high risk areas, such as Iraq or Afghanistan, so we can discuss the cover options available.

If you’re not sure whether single trip or annual insurance is more suitable to you, here’s a quick overview of the differences: 

  • Single Trip Travel Insurance policy
    If you don’t travel often, you may prefer to buy a single trip policy. Single trip travel insurance can cover you for one work or personal trip that lasts from 1 to 364 days.
  • Annual Multi-trip Travel Insurance policy
    If you travel even a few times in a year, it makes sense to get a quote for an annual travel insurance policy. This will cover you for as many trips (up to a month each) as you can fit into o¬ne year: for work or personal travel, worldwide – and we cover a wide range of activities while you are away. If one of your trips does extend beyond a month, you can extend your insurance online by paying a daily premium.

Aside from being convenient, annual policies can be less expensive when compared to the cost of multiple single trip policies over a year. Please check the policy benefits, limits and exclusions before you buy, to make sure our cover is right for all your needs.

Still not sure?

You may find it easier to decide if you get a quote for both options. Keep in mind that we give you a 5% discount at checkout if you buy online and kids under 2 are covered at no additional cost on your policy.

And if you happen to be a Bupa Global International Private Medical Insurance customer, check your policy benefits before travelling to see if they include cover for the country you are going to and other benefits, such as repatriation and evacuation. If you still require medical travel insurance, or you need the additional cover from our add-ons, such as theft, lost luggage and trip cancellation, for example, you can enjoy another 10% off simply by entering your policy number at checkout.

Download plan details

If you reside in the United Kingdom, Mexico, Jersey, Guernsey, Falkland Islands, Isle of Man or Gibraltar:

Download full list of benefits and exclusions

If you reside anywhere outside of the countries listed above:

Download full list of benefits and exclusions

If your policy was purchased or renewed before 29 March 2019 and you need a copy of your plan details please login to myPage (Annual Multi-trip customers only) or contact our Customer Service team – travel@ihi-bupa.com, tel. +45 70 20 70 48.