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Winter Sports Travel Insurance

17 days Free Winter Sports cover with the 45 days AMT policy
For UK, EU and EEA residents aged up to 70
24/7 medical emergency helpline

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Overview
What’s covered
Geographical limits
Policy Wording

What is Winter Sports Travel Insurance?

Winter Sports travel insurance policies have been designed to cover people travelling out on a skiing or snow boarding holiday and gives you that extra cover for that expensive equipment or compensation should your resort be closed due to lack of snow (please see terms and conditions). Winter Sports Travel Insurance is also referred to as ski travel insurance or snowboarding travel insurance.

The cheapest winter sports policy is £36.34 (based on 1 adult aged up to 50 travelling in Europe for up to 8 days). Prices correct on the 01/01/2019.

Winter Sports Travel Insurance Key Benefits

Cover for accidental loss, theft or damage to your own or hired ski equipment - up to £500 in total
A daily payment if your own equipment is lost, stolen or damaged in transit - up to £20 per day.
End Supplier Insolvency Insurance including Scheduled Airline Insolvency Insurance
Cover towards transport costs to an alternative site, if your own resort is closed for more than 12 hours - up to £200 in total
Cover for the unused portion of your ski pack following your illness, injury, or if you lose your lift pass - up to £400 in total
Emergency Recovery (including helicopter rescue if medically necessary) and any associated medical expenses is included in the Emergency Medical Expenses section of the policy - up to £10 Million in total.

Attention!

The European Health Insurance Card (EHIC) could provide you with some emergency healthcare for EU countries, but it will not pay for Helicopter or stretcher rescue, repatriation costs, lost or stolen property, and it does not cover long-term medical treatment.

If you plan to participate in any Winter Sports Activities, you need to purchase Winter Sports cover, or an Annual Multi Trip Policy with an individual ‘trip duration’ minimum of 45 days (as this will give you 17 days free Winter Sports Cover). See our list of Winter Sports Activities below to check that they cover everything that you plan to do.

From the Alps and Dolomites to British Columbia and Alberta - our policies will cover your ski holiday in any part of the world.

Winter sports insurance cover can be purchased as a Single trip up to the age of 70 years or if you purchase an Annual Multi-Trip policy with a 45 day trip duration, you get 17 days free Winter Sports cover for people aged up to 65 years and 17 days free cover in European areas for those aged between 66-70 yrs.

Below are the activities included if you purchase Winter Sports cover:

Activities marked with three asterisks (***) have no cover under Section H Personal Liability and must be carried out within organisers guidelines and will only be covered as part of a pre-arranged/organised activity led or instructed by professional guides or organisers. In addition to the above restriction, Husky Dog Activities have no cover under Section C Personal Accident.
Air-Boarding	Big Foot Skiing	Blade Skating
Curling	Cross Country Skiing (recognised paths)	Downhill Skiing/Snowboarding
Dry Slope Skiing/Walking	Glacier Walking	*** Ice Go Carting (No Personal Liability Cover under Section H)
*** Husky Dog (No Personal Accident Cover under Section C, or Personal Liability Cover under Section H)	Ice Cricket	Kick Sledging
Ice Skating	Ice Windsurfing	Nordic Skiing (recognised paths)
Langlauf	Mono Ski	Ski Randonnee
Ski Blading	Ski Boarding	Ski Touring
Ski Run Walking	Ski Swimming	*** Snowcat Skiing (No Cover under Section H Personal Liability)
***Sledging/Sleigh-riding as a passenger pulled by any animal (No cover under Section H Personal Liability)	Snow Blading	***Snow Tubing (no cover under Section H Personal Liability)
***Snowmobiling / Skidooing (no Personal Liability Cover under Section H)	Snow Shoe Walking
Snow Zorbing	Winter Walking (using crampons and ice picks only)

If you do not see your chosen Activity listed here or in our Adventure Activities; please email globelink@globelink.co.uk, or call us on +44 (0) 1353 699082 to check. You may not be covered while participating in the Activity unless it is listed and you have paid the additional premium where applicable.

All premiums are subject to the person(s) travelling being up to 70. Winter sports travel insurance is available to people who are living in UK, EU and EEA countries. If you travel all year round, check our Annual Multi Trip policies.

Still have questions?

Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Schedule of Cover Winter Sports 16-65

Schedule of Cover and Limits of Indemnity per Insured Person (All Benefits are stated in UK Pounds)

	Person Per Section Cover	Maximum Sums Insured Per Person	Excess Per Claim
A	Cancellation or CurtailmentCover for unrecoverable costs and deposits incurred if you are forced to cancel or cut short your trip as a result of specified causes such as death, injury, illness or redundancy.	Up to £6,000 in total	£50
B	Emergency Medical & Other Expenses (including Dental Treatment) Reasonable hospital, medical and other expenses including emergency repatriation costs to your home country within the EU.	Up to £10,000,000 in total Up to £200 in total	£50 £50
B1	Hospital Confinement BenefitCash benefit paid to you for each day you are hospitalized abroad to help towards additional expenses such as and phone calls, magazines etc.	Up to £50 per 24 hours up to a maximum of £500 in total	Nil
C	Personal Accident Death Loss of Limb or Eye Permanent Total Disablement This is a lump sum payment in the event of accidental injury resulting in death, loss of limb or eye or permanent total disablement.	Up to £25,000 in total* Up to £25,000 in total* Up to £25,000 in total* *(£1,500 if under 18 or over 69)	Nil
D	Delayed Departure Abandonment after 24 hours In the event of your flight being delayed by the carrier in excess of 12 hours. The Insurers will pay £20 for the first 12 hours followed by £10 for each extra 12 hours to a total of £100.	Up to £40 first 12 hours, £20 for each additional 12 hour period up to a maximum of £500 in total Up to £6,000 in total	Nil £50
D1	Missed DepartureA payment towards the reasonable additional accommodation and travel expenses if you miss the departure of your initial Outward or final Inward international leg on which you are booked to travel, as a result of failure of public transport, accident or breakdown involving your vehicle or ahead of you on a motorway, strike or adverse weather.	Up to £1,500 in total	£50
E	Baggage Single Article/Pair/Set Limit Total Valuable Limit Spectacles/Sunglasses Limit Delayed Baggage (Minimum delay of 12 hours) Loss or damage to your personal baggage providing you take proper care to safeguard your property at all times. The any one article and valuables limit are as specified. We recommend that any expensive valuables such as ipads, cameras, phones etc. are separately insured under an All Risks policy.	Up to £3,000 in total Up to £300 in total Up to £300 in total Up to £300 in total Up to £150 in total	£50 £50 £50 £50 £50
F	Personal Money Passport & Documents Cover for personal money and documents, including the unused portion of passports, visas and driving licences.	Up to £750 in total* (£250 if aged under 18) Cash limit per Insured Person is £250 (£100 if under 18 yrs) Up to £250 in total (£100 if aged under 18)	£50 £50
G	Extended Kennel and/or Cattery Fees A payment towards any additional cost if your dog or cat has to extend their stay in pre-booked kennel or cattery if your return home is delayed due to your injury, illness or disease (if covered under section B).	Up to £30 per day up to a Maximum of £300 in total	Nil
H	Personal Liability (including Rental Acommodation Limit) Cover if you become legally liable to pay compensation arising from you causing bodily injury, to certain people, or damage to rented accommodation. This section does not extend to the use of any type of vehicle or craft, or anything related to any work or business.	Up to £2,000,000 in total Up to £100,000 in total	£250 £250
I	Legal Expenses & AssistanceCosts and expenses incurred in pursuit of claims arising out of your death bodily injury or illness.	Up to £15,000 in total	£250
J	Mugging BenefitPayment for each full 24 hours you are hospitalized as a direct result of injuries sustained if you are mugged.	Up to £50 for each 24 hours spent in hospital up to a maximum of £1000 in total	Nil
K	Hijack CoverPayment if you are prevented from reaching your scheduled destination as a result of the hijack of the aircraft or ship in which you are travelling.	Up to £100 for each 24 hours up to a maximum of £500 in total	Nil
L	Withdrawal of ServicesPayment in the event of the withdrawal for more than 24 hours of water or electrical services to your hotel or accommodation, waiter/waitress service, kitchen service (if no food is served).or room cleaning service.	Up to £20 after 24 hours, then up to £20 each additional period of 24 hours up to a maximum of £200 in total	Nil
M	CatastrophePayment towards the additional accommodation charges if you are forced to move from your pre-booked accommodation as a result of fire, lightening, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or government directive.	Up to £500 in total	Nil
WINTER SPORTS COVER – UP TO AGE 70 ONLY Up to 17 days within the policy period covered for Annual Multi-Trip Insurance
O1	Ski Equipment Single Article/Pair/Set Cover for accidental loss, theft or damage to your own or hired ski equipment.	Up to £750 in total Up to £250 in total	£50
O2	Ski Equipment HireThe cost of hiring replacement ski equipment as a result of accidental loss/theft or damage or temporary lost in transit for more than 24 hours your own ski equipment.	Up to £30 per day up to £200 in total	Nil
O3	Ski PackCover for the unused portion of your ski pack following your illness, injury, or if you lose your lit pass.	Up to £50 per day up to £400 in total	Nil
O4	Piste ClosureCover towards travel if your resort is closed and it is not possible to ski.	Up to £30 per day up to £200 in total	Nil
O5	Avalanche or Landslide ClosureIf delayed due to avalanche or landslide at your resort.	Up to £30 per day up to £200 in total	Nil
GOLF EXTENSION – (Only applicable if additional premium paid)
P1	Loss of Green FeesCover for unused Green Fees if you trip is unavoidably cancelled or curtailed.	£50 per 24 hours up to £500 in total	Nil
P2	Golf Equipment Single Article/Pair/Set Limit Golf Equipment Hire Cover in case your golf equipment is lost, destroyed or stolen.	Up to £1,000 in total including: Up to £250 in total £50 per 24 hours up to £250 in total	£50 £50 Nil
P3	Liability for Golf BuggiesCover for claims made against you for accidental injury, death or property damage caused whilst you are using a golf buggy.	Up to £500,000	£250
P4	Hole-In-One (Bar Bill)Cover for bar bills that You incur as a result of You getting a Hole-In-One.	Up to £150 in total	Nil
WEDDING/CIVIL PARTNERSHIP COVER (Only applicable if additional premium paid) APPLIES PER INSURED COUPLE
Q1a	Wedding Bands & Gifts Single Article/Pair/Set Limit Cover for accidental loss, theft or damage to Wedding Bands and Gifts.	Up to £1,000 in total Up to £500 in total	£50
Q1b	Wedding Attire Single Article/Pair/Set Limit Cover for accidental loss, theft or damage to Wedding attire to worn by the couple on their wedding day.	Up to £1,000 in total Up to £500 in total	£50
Q2	Wedding Photography/VideoCover for professional photographs and video recording of the wedding day if they are lost, stolen or damaged within 15 days whilst you are on honeymoon.	Up to £500 in total	£50
SPECIAL EVENTS CANCELLATION OR CURTAILMENT CHARGES COVER (Only applicable if additional premium paid)
R	Cancellation or CurtailmentIf your trip has been arranged specifically to attend a sporting or entertainment event that You have purchased tickets for prior to Your trip departure and such event is cancelled.	Up to limits shown in Section A Single Ticket Limit £400	£50
FINANCIAL FAILURE PROTECTION AND TRAVEL DISRUPTION COVER
S1	Schedule Airline FailurePayment towards the unused, flight tickets which are not refundable as a result of the insolvency or financial failure of your airline.	Up to £3,000	£50
S2	Supplier Failure Cover including Schedule Airline FailureCover for your pre-paid accommodation/car hire/ferry, coach or train operator or scheduled airline should fail and you cannot get a refund from any other source.	Up to £3,000	£50
S3	Travel Disruption CoverCover if as a result of war, revolution, acts of foreign enemies (including terrorism) or major climatic conditions and acts of nature (earthquake, volcano etc) your pre-booked outward or return journey is delayed by more than 24 hours.	Up to £3,000	£50

Schedule of Cover Winter Sports 66-70

Schedule of Cover and Limits of Indemnity per Insured Person (All Benefits are stated in UK Pounds)

	Person Per Section Cover	Maximum Sums Insured Per Person	Excess Per Claim
A	Cancellation or CurtailmentCover for unrecoverable costs and deposits incurred if you are forced to cancel or cut short your trip as a result of specified causes such as death, injury, illness or redundancy.	Up to £6,000 in total	£100
B	Emergency Medical & Other Expenses (including Dental Treatment) Reasonable hospital, medical and other expenses including emergency repatriation costs to your home country within the EU.	Up to £10,000,000 in total Up to £200 in total	£100 £50
B1	Hospital Confinement BenefitCash benefit paid to you for each day you are hospitalized abroad to help towards additional expenses such as and phone calls, magazines etc.	Up to £50 per 24 hours up to a maximum of £500 in total	Nil
C	Personal Accident Death Loss of Limb or Eye Permanent Total Disablement This is a lump sum payment in the event of accidental injury resulting in death, loss of limb or eye or permanent total disablement.	Up to £25,000 in total* Up to £25,000 in total* Up to £25,000 in total* *(£1,500 if under 18 or over 69)	Nil
D	Delayed Departure Abandonment after 24 hours In the event of your flight being delayed by the carrier in excess of 12 hours. The Insurers will pay £20 for the first 12 hours followed by £10 for each extra 12 hours to a total of £100.	Up to £40 first 12 hours, £20 for each additional 12 hour period up to a maximum of £500 in total Up to £6,000 in total	Nil £50
D1	Missed DepartureA payment towards the reasonable additional accommodation and travel expenses if you miss the departure of your initial Outward or final Inward international leg on which you are booked to travel, as a result of failure of public transport, accident or breakdown involving your vehicle or ahead of you on a motorway, strike or adverse weather.	Up to £1,500 in total	£50
E	Baggage Single Article/Pair/Set Limit Total Valuable Limit Spectacles/Sunglasses Limit Delayed Baggage (Minimum delay of 12 hours) Loss or damage to your personal baggage providing you take proper care to safeguard your property at all times. The any one article and valuables limit are as specified. We recommend that any expensive valuables such as ipads, cameras, phones etc. are separately insured under an All Risks policy.	Up to £3,000 in total Up to £300 in total Up to £300 in total Up to £300 in total Up to £150 in total	£50 £50 £50 £50 £50
F	Personal Money Passport & Documents Cover for personal money and documents, including the unused portion of passports, visas and driving licences.	Up to £750 in total* (£250 if aged under 18) Cash limit per Insured Person is £250 (£100 if under 18 yrs) Up to £250 in total (£100 if aged under 18)	£50 £50
G	Extended Kennel and/or Cattery Fees A payment towards any additional cost if your dog or cat has to extend their stay in pre-booked kennel or cattery if your return home is delayed due to your injury, illness or disease (if covered under section B).	Up to £30 per day up to a Maximum of £300 in total	Nil
H	Personal Liability (including Rental Acommodation Limit) Cover if you become legally liable to pay compensation arising from you causing bodily injury, to certain people, or damage to rented accommodation. This section does not extend to the use of any type of vehicle or craft, or anything related to any work or business.	Up to £2,000,000 in total Up to £100,000 in total	£250 £250
I	Legal Expenses & AssistanceCosts and expenses incurred in pursuit of claims arising out of your death bodily injury or illness.	Up to £15,000 in total	£250
J	Mugging BenefitPayment for each full 24 hours you are hospitalized as a direct result of injuries sustained if you are mugged.	Up to £50 for each 24 hours spent in hospital up to a maximum of £1000 in total	Nil
K	Hijack CoverPayment if you are prevented from reaching your scheduled destination as a result of the hijack of the aircraft or ship in which you are travelling.	Up to £100 for each 24 hours up to a maximum of £500 in total	Nil
L	Withdrawal of ServicesPayment in the event of the withdrawal for more than 24 hours of water or electrical services to your hotel or accommodation, waiter/waitress service, kitchen service (if no food is served).or room cleaning service.	Up to £20 after 24 hours, then up to £20 each additional period of 24 hours up to a maximum of £200 in total	Nil
M	CatastrophePayment towards the additional accommodation charges if you are forced to move from your pre-booked accommodation as a result of fire, lightening, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or government directive.	Up to £500 in total	Nil
WINTER SPORTS COVER – UP TO AGE 70 ONLY Up to 17 days within the policy period covered for Annual Multi-Trip Insurance
O1	Ski Equipment Single Article/Pair/Set Cover for accidental loss, theft or damage to your own or hired ski equipment.	Up to £750 in total Up to £250 in total	£50
O2	Ski Equipment HireThe cost of hiring replacement ski equipment as a result of accidental loss/theft or damage or temporary lost in transit for more than 24 hours your own ski equipment.	Up to £30 per day up to £200 in total	Nil
O3	Ski PackCover for the unused portion of your ski pack following your illness, injury, or if you lose your lit pass	Up to £50 per day up to £400 in total	Nil
O4	Piste ClosureCover towards travel if your resort is closed and it is not possible to ski.	Up to £30 per day up to £200 in total	Nil
O5	Avalanche or Landslide ClosureIf delayed due to avalanche or landslide at your resort.	Up to £30 per day up to £200 in total	Nil
GOLF EXTENSION – (Only applicable if additional premium paid)
P1	Loss of Green FeesCover for unused Green Fees if you trip is unavoidably cancelled or curtailed.	£50 per 24 hours up to £500 in total	Nil
P2	Golf Equipment Single Article/Pair/Set Limit Golf Equipment Hire Cover in case your golf equipment is lost, destroyed or stolen.	Up to £1,000 in total including: Up to £250 in total £50 per 24 hours up to £250 in total	£50 £50 Nil
P3	Liability for Golf BuggiesCover for claims made against you for accidental injury, death or property damage caused whilst you are using a golf buggy.	Up to £500,000	£250
P4	Hole-In-One (Bar Bill)Cover for bar bills that You incur as a result of You getting a Hole-In-One.	Up to £150 in total	Nil
WEDDING/CIVIL PARTNERSHIP COVER (Only applicable if additional premium paid) APPLIES PER INSURED COUPLE
Q1a	Wedding Bands & Gifts Single Article/Pair/Set Limit Cover for accidental loss, theft or damage to Wedding Bands and Gifts.	Up to £1,000 in total Up to £500 in total	£50
Q1b	Wedding Attire Single Article/Pair/Set Limit Cover for accidental loss, theft or damage to Wedding attire to worn by the couple on their wedding day.	Up to £1,000 in total Up to £500 in total	£50
Q2	Wedding Photography/VideoCover for professional photographs and video recording of the wedding day if they are lost, stolen or damaged within 15 days whilst you are on honeymoon.	Up to £500 in total	£50
SPECIAL EVENTS CANCELLATION OR CURTAILMENT CHARGES COVER (Only applicable if additional premium paid)
R	Cancellation or CurtailmentIf your trip has been arranged specifically to attend a sporting or entertainment event that You have purchased tickets for prior to Your trip departure and such event is cancelled.	Up to limits shown in Section A Single Ticket Limit £400	£50
FINANCIAL FAILURE PROTECTION AND TRAVEL DISRUPTION COVER
S1	Schedule Airline FailurePayment towards the unused, flight tickets which are not refundable as a result of the insolvency or financial failure of your airline.	Up to £3,000	£50
S2	Supplier Failure Cover including Schedule Airline FailureCover for your pre-paid accommodation/car hire/ferry, coach or train operator or scheduled airline should fail and you cannot get a refund from any other source.	Up to £3,000	£50
S3	Travel Disruption CoverCover if as a result of war, revolution, acts of foreign enemies (including terrorism) or major climatic conditions and acts of nature (earthquake, volcano etc) your pre-booked outward or return journey is delayed by more than 24 hours.	Up to £3,000	£50

Geographical Limits - Area Definitions

Europe

Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Islands), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia & Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal (including Azores & Madeira), Romania, Russia (West of the Ural Mountains), San Marino, Serbia (including Kosovo), Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom and Vatican City.

Worldwide I
(excluding)

Worldwide, excluding United States of America, Canada and all islands in the Caribbean Sea and the Bahamas, Costa Rica, Japan and Mexico. (Also includes cover for Europe, Australia and New Zealand).

Worldwide II
(all countries)

Worldwide, including United States of America, Canada and all islands in the Caribbean Sea and the Bahamas, Costa Rica, Japan and Mexico: All countries worldwide. (Also includes cover for Europe, Australia and New Zealand).

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below depending on whether you live in the UK or elsewhere in the EU.

*If you purchased your Travel Insurance policy prior to 1st January 2019, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting globelink@globelink.co.uk with your name and address details.

Policy Wording for Policies issued from 1st January 2019 to 31st January 2019

(Certificate Number commencing CAN/7*****)

Download

Policy Wording for Policies issued to EU residents (living outside the UK) from 1st February 2019 onwards

(Certificate Number commencing CAN/7*****)

Download

Policy Wording for Policies issued to UK residents (living in the UK only) from 1st February 2019 onwards

(Certificate Number commencing CAN/7*****)

Download

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Single and Backpacker Cover best if you only travel once a year or need a long stay policy.

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