Snow sports are risky, can result in serious injuries and are subject to delays.

The plan you buy is up to you, but this is what the best plans cover:

• Almost all policies cover your equipment against damage. If the damage to your equipment is serious, good policies include an allowance for renting equipment until the end of your holiday.
• Good policies compensate you if something goes wrong with your lift pass. For example, if you cannot use the pass because of illness or accident, or if the pass gets stolen.
• Policies may cover if your preferred ski resorts are closed due to poor snow or weather conditions. At the minimum, they refund your booking and travel costs, but advanced plans also pay out your travel costs to other resorts so you can continue your holiday.
• You will be covered against medical emergencies, including cover for Mountain rescue, air ambulance and helicopter rescue.
• Basic policies cover skiing and snowboarding only, but more advanced policies also cover cat boarding, snow biking, speed skating, tobogganing and many more.
• Winter sports travel policies cover you against most potential accidents while on the snow, including avalanches.
• You can take out single-trip insurance policies, or multiple-trip policies that cover you for a certain number of holiday days per year.
• If you already have travel insurance, ask your insurer if you can add winter sports coverage. If this is not offered, switch to an insurer that combines the travel insurance you already have with the winter sports coverage you want.
• Make sure your policy meets your unique needs. For example, depending on your needs, it should include the countries where you wish to go, your sport of choice, a sufficient number of days, backcountry sports, racing, and so forth.

Winter sports travel insurance can give you the peace of mind to enjoy your holiday to the maximum.