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Home » Insure my travels » Sports Travel Insurance » Winter Sports Insurance » Truth Behind Winter Sports Insurance Myths

Travel Insurance Quick Quote

Travel Insurance quick quote

Single Trip: For those planning only one trip in a year.
Annual:For those planning more than one trip in a year.
Gap:For longer term breaks and gap years.

Annual policies could save you time and money compared to purchasing a Single Trip policy. See our FAQs for more details.

European Cover:
The following countries are included within the definition of Europe: Albania; Andorra; Austria; Azores; Balearics; Belarus;Belgium; Bulgaria; Canary Islands; Channel Islands; Corsica; Croatia; Cyprus; Czech Republic; Denmark; Egypt; Estonia; Finland; France; Germany; Gibraltar; Greece; Hungary; Iceland; Israel; Italy; Latvia; Liechtenstein; Lithuania; Luxembourg; Madeira; Malta; Moldova; Monaco; Morocco; Netherlands; Norway; Poland; Portugal; Republic of Ireland; Romania; Russia west of the Ural Mountains; San Marino; Sardinia; Sicily; Slovak Republic; Slovenia; Spain; Sweden; Switzerland; Tunisia; Turkey; Ukraine; and the United Kingdom area*.

Worldwide Cover:
All countries worldwide including the United Kingdom area*.

Worldwide Cover excluding North America and the Caribbean:All countries worldwide including the United Kingdom area* but excluding North America and the Caribbean.

North America.
The United States of America and Canada.

The Caribbean
Anguilla; Antigua and Barbuda; Aruba; Bahamas; Barbados; Bermuda; British Virgin Islands; Cayman Islands; Cuba; Dominica; Dominican Republic; Grenada; Guadeloupe; Haiti; Jamaica; Martinique; Montserrat; Navassa Island; Netherlands Antilles; Puerto Rico; Saint Barthelemy; Saint Kitts and Nevis; Saint Lucia; Saint Martin; Saint Vincent and the Grenadines, Trinidad and Tobago; Turks and Caicos Islands; the US Virgin Islands; and includes cruising in waters around these islands.

*Please refer to Important Notes about your Policy, for limitations which apply to trips solely within the United Kingdom area. This can be found under Policy Terms and Conditions.

Individual Adult

- a single traveller


- two adult travellers


- a maximum of two adults
and their children

Please note a Family policy can only have a maximum of 2 adults.


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The truth behind common Winter Sports Insurance myths

Skiers and snowboarders may tell tall tales about their prowess on the slopes, but there are some myths that can be dangerous – and expensive – for travellers. 

The EHIC will cover me

The European Health Insurance Card is not an alternative to travel insurance when going overseas. It is important to get an EHIC, which helps you get access to certain levels of state-provided healthcare. However the government’s Foreign & Commonwealth Office recommends that travellers overseas invest in insurance for sufficient coverage. Health systems vary substantially between countries, and you may be expected to contribute towards the cost of your treatment.


The EHIC will not cover:

  • Mountain rescues for skiers or snowboarders at resorts
  • Private medical care
  • Lost, stolen, or damaged property or passports
  • Your return journey to the UK if you are delayed by illness or injury
My bank has automatically insured me

While some banks offer travel coverage as an incentive to take out certain products, it is important to check the fine print. If you plan to participate in winter sports, additional cover may be necessary. Age restrictions and limits to the length of the trip can apply, and sometimes they only cover the first-named account holder, or only cover family members if the account holder is present. If your bank’s insurance policy is inadequate for your needs, seek more thorough policy coverage. 

Every travel insurance plan will cover all sports

Many plans specifically exclude popular winter sports and outdoor activities. If you don’t want to compromise your holiday plans, make sure that you have a plan that lets you participate. The American Express Winter Sports Insurance covers activities that include ice skating (on recognised ice rinks), glacier skiing, snowblading, snowboarding, and more.

My home insurance won’t cover my equipment

We recommend that you check what level of cover your home insurance provides.  American Express Winter Sports Travel Insurance plan will cover both hired and owned equipment.

I can’t go off-piste because I won’t be protected by my Travel Insurance

For experienced skiers, going off-piste is one of the most enjoyable challenges of the winter season. But many basic insurance policies don’t cover it, leaving enthusiastic skiers and snowboarders at risk of expensive injuries. While some basic travel insurance policies won’t cover off-piste, specialist policies like American Express Winter Sports Travel Insurance will cover guided off-piste skiing and snowboarding.

I can’t get Travel Insurance because I plan to drink on holiday

While winter sports athletes have a reputation for partying hard, that doesn’t mean you have to choose alcohol over safety. Reasonable drinking off the slopes that doesn’t affect your performance the next day is not considered risky behaviour. Stay sensible, and make sure you have a thorough insurance coverage plan.

I can’t really afford Winter Sports Travel Insurance

Buying the right Travel Insurance is a no-brainer when you consider the alternative. Winter sports are very fun activities but carry with them some real risks of injury, especially for the inexperienced. Find out more about our
Winter Sports Travel Insurance and what it offers Skiers and Snowboarders.

* The online discount amount is applicable to the base premium only and will not include additional options purchased.