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Winter sports travel insurance
Planning a ski, snowboarding or winter sports holiday? Add Optional Winter Sports Cover to an your OGSure policy.
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Optional Winter Sports Cover
On & off-piste skiing
24/7 emergency support
Can OGSure cover my winter sports trip?
Yes, just add Optional Winter Sports Cover to your OGSure policy and make sure your exact activities, destination and travel dates meet the winter-sports rules.
On-piste skiing or snowboarding
Off-piste skiing or snowboarding*
Cross-country skiing on designated routes
Nordic skiing
Big foot skiing
Terrain park skiing or snowboarding
Snowshoeing
Snowmobiling
Snow biking — on-piste only
Dog sledding on recognised trails
Outdoor ice skating
Sledding, tobogganing and snow sleighs
*Off-piste skiing or snowboarding is subject to the policy's safety requirements. This is the policy's named winter sports list, not a general promise to cover every snow activity. Check your exact planned activity before travelling. Terms, conditions and exclusions apply.
We provide travellers with cover for the unexpected moments that can disrupt a trip.
Travel plans can change quickly. Your travel insurance policy shouldn't. OGSure helps protect you against sudden and unforeseen problems before or during your journey.
Cancellation and curtailment
Emergency medical expenses abroad
Evacuation and repatriation
Baggage, cash and passports
Travel delay and missed departure
Personal accident cover
Cover for public liability
Cruise ship evacuation
Policy benefits
What your cover includes
Policy currency
Please note
These are the maximum benefit limits available under the selected policy currency. Cover remains subject to the full policy terms, conditions, excesses and exclusions.
Cover for one trip or several
OGSure offers both single-trip and annual multi-trip travel insurance, subject to eligibility.
Single-trip cover
Cover one continuous trip with fixed travel dates and destinations.
Annual multi-trip cover
Cover multiple eligible trips over 12 months with one policy, subject to age and trip-length limits.
Optional extras
Choose from optional extras to tailor your cover around the way you travel, from longer trips to selected adventure activities and higher cancellation protection.
Winter sports cover
Add cover for eligible skiing and winter sports, including equipment, ski passes and selected piste disruption.
Adventure sports
Extend cover to selected activities, including trekking, scuba diving, kayaking and mountain biking.
Extended trip duration
Increase the maximum length of individual trips on eligible annual multi-trip policies.
Increased cancellation cover
Increase your cancellation limit for eligible higher-value trips and non-refundable travel costs.
HELP WHEN IT MATTERS
Support if something serious happens abroad.
OGSure’s 24/7 Emergency Assistance Centre is available to support you with serious medical situations abroad.
Your medical history does not have to stop you travelling.
Having a pre-existing medical condition does not automatically prevent you from buying an OGSure policy.
You can still be covered for eligible sudden and unforeseen events that are unrelated to your existing condition, such as:
Claims arising directly or indirectly from a pre-existing medical condition are excluded, so it is important to understand how this may affect your cover before you buy.
Why choose OGSure?
With flexible cover, generous benefits and 24/7 emergency support, OGSure helps you travel with greater confidence, wherever your journey begins.
TRAVEL INSURANCE YOU CAN TRUST
Established experience. Trusted insurance backing.
OGSure is a trading style of Optimum Global, an established insurance business with more than 10 years of experience.
Optimum Global is authorised and regulated by the Financial Conduct Authority, and our travel insurance is supported by a robust insurance structure that includes reinsurance through Lloyd’s of London.
Founded in 1688, Lloyd’s is one of the world’s oldest and most respected insurance markets, known for its specialist expertise and financial strength. It currently holds AA− ratings from both S&P Global and Fitch Ratings.
So, when you arrange cover with OGSure, you can do so with confidence, knowing there is genuine insurance experience behind the brand and internationally recognised financial strength supporting your policy.
Frequently asked questions about winter sports travel insurance
What is winter sports travel insurance?
Winter sports travel insurance is travel insurance with additional cover for eligible skiing, snowboarding and other named winter activities.
With OGSure, Winter Sports Cover is an optional extra that sits alongside the main travel insurance policy.
Is skiing automatically covered by OGSure travel insurance?
No.
You need to add Optional Winter Sports Cover, pay the additional premium and make sure the cover appears on your policy documents.
Do I need winter sports cover for a ski holiday?
If you want OGSure cover for skiing, snowboarding or another activity listed in the Winter Sports section, you need to add Optional Winter Sports Cover.
Do not assume ordinary travel insurance automatically covers your planned winter activities.
Does OGSure cover skiing?
Yes, potentially.
On-piste skiing is listed under Optional Winter Sports Cover when the upgrade has been added and the other policy requirements are met.
Does OGSure cover snowboarding?
Yes, potentially.
Both on-piste and qualifying off-piste snowboarding are included within the named Winter Sports activities.
Does OGSure cover off-piste skiing and snowboarding?
Potentially, yes.
You must follow resort rules, safety warnings and relevant advice from local guides or instructors. If you're inexperienced, you should not go off-piste without appropriate guide supervision.
What winter sports does OGSure cover?
The current policy lists on-piste skiing and snowboarding, qualifying off-piste skiing and snowboarding, cross-country skiing on designated routes, Nordic skiing, Big Foot skiing, terrain park skiing and snowboarding, snowshoeing, snowmobiling, on-piste snow biking, dog sledding on recognised trails, outdoor ice skating and sledding or tobogganing on snow.
Does OGSure cover ski touring or backcountry skiing?
These activities are not specifically listed within OGSure's current Optional Winter Sports activity list.
Do not assume an unlisted winter activity is covered.
Does OGSure cover cross-country skiing?
Yes, when Optional Winter Sports Cover has been added and the skiing takes place along a designated cross-country ski route.
Does OGSure cover snowshoeing?
Yes. Snowshoeing is one of the activities named within Optional Winter Sports Cover.
Does OGSure cover snowmobiling?
Yes. Snowmobiling is included in the current named Winter Sports activity list, subject to the policy terms.
Does OGSure cover terrain park skiing or snowboarding?
Yes. Terrain park skiing and snowboarding are included within Optional Winter Sports Cover.
How long can Winter Sports Cover apply?
Winter Sports Cover can apply for up to 60 days in total per Period of Insurance.
The main travel policy can have its own separate trip-duration rules.
Can Annual Multi-Trip insurance include winter sports?
Potentially, yes.
Optional Winter Sports Cover can be added to an eligible Annual Multi-Trip policy. The Winter Sports Cover itself remains limited to 60 days in aggregate per Period of Insurance.
Can Single Trip travel insurance include winter sports?
Potentially, yes.
Optional Winter Sports Cover can be added to an eligible Single Trip policy when the additional premium is paid and the cover is shown on the policy documents.
Does OGSure cover ski equipment?
Yes, subject to the Winter Sports terms.
Eligible owned or hired skis and ski equipment can be covered for loss, theft or damage, subject to the policy limit, depreciation and relevant excess.
How much ski equipment cover does OGSure provide?
The current limits are up to £3,000 under a GBP policy or $3,750 under a USD policy.
Terms, depreciation and excesses apply.
Is hired ski equipment covered?
Potentially, yes.
The Winter Sports section can apply to eligible ski equipment belonging or hired to you.
Does OGSure cover ski passes?
Yes.
Optional Winter Sports Cover extends the policy to include an eligible ski pass, up to £650 or $800 depending on the policy currency.
Does OGSure cover piste closure?
Potentially.
The dedicated Piste Closure benefit can apply where lack of snow causes the total closure of the lift system at your pre-booked resort for more than 12 hours, subject to the policy requirements.
Does piste closure cover apply if high winds close the lifts?
No under the dedicated Piste Closure benefit.
The Winter Sports exclusions specifically exclude lift-system closure caused by avalanches or dangerously high winds.
What does Avalanche or Landslide cover?
It can cover eligible additional accommodation or travel costs if scheduled public transport is cancelled or curtailed following an avalanche or landslide.
It is different from the Piste Closure benefit.
Are there seasonal restrictions for Winter Sports Cover?
Yes.
The Winter Sports section applies during the Northern Hemisphere winter season from 1 November to 30 April and the Southern Hemisphere season from 1 May to 30 September.
Can OGSure cover skiing in Europe?
Potentially, yes.
Your destination, dates, policy geographical area and planned winter activities must all meet the relevant eligibility rules.
Can OGSure cover a ski holiday in Canada, the USA or Japan?
Potentially, yes.
Your destination must fall within the geographical area selected and your dates and activities must meet the Winter Sports requirements.
Can I buy Winter Sports Cover if I have a pre-existing medical condition?
Yes. Having a pre-existing medical condition does not automatically prevent you from buying OGSure.
However, claims arising directly or indirectly from a pre-existing medical condition are excluded.
Does OGSure cover medical treatment after a ski accident?
Potentially, yes.
A sudden bodily injury sustained while taking part in an eligible covered winter sport can fall within the emergency medical benefits, subject to the policy terms and Winter Sports Cover having been correctly added.
What should I do if I am seriously injured while skiing?
Get urgent local help first, then contact OGSure's 24/7 Emergency Assistance Centre as soon as possible.
You must contact the assistance team for inpatient treatment, MRI or CT scans, medical evacuation or repatriation.
How much does winter sports travel insurance cost?
The price depends on factors including your age, residence, destination, travel dates, trip type, currency and optional cover selected.
The quickest way to see the current price is to complete a quote and add Winter Sports Cover.
When should I buy winter sports travel insurance?
It usually makes sense to arrange travel insurance soon after booking your holiday.
Make sure the Optional Winter Sports Cover is selected and shown on your policy before travelling.
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CONTACT
Optimum Global Limited (OGSure), 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK
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OGSure is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority. Optimum Global Limited’s Firm Reference Number is 453654, you can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768. Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.