Best Travel Insurance Policies for Skiers

A large population of American skiers are required to hop on a flight or two to reach their favorite ski resorts and destinations.

These bucket list trips are usually well planned, cost quite a bit of money, and foster a certain level of expectations. If you're going to drop thousands of dollars to go skiing, you want to have a comfortable place to rest your head, ample transportation to and from the ski resort, and (hopefully) incredible snow conditions.

As much as we'd like to, we can't give you tips on how to bend Mother Nature's will to your liking, but we can provide information about useful travel insurance policies that will make luggage, travel, and other inconveniences related to your ski trip sting a little bit less.

Best Travel Insurance for Skis, Ski Boots, Luggage

The combined value of a person's skis, ski boots, bindings, expensive outwear, and other gear can easily range between $3k–$5k, with some skiers scratching the $10,000 mark for their high-end digs.

It's not surprising then, with these values in mind, that some skiers add a travel insurance policy to protect their gear should misfortune strike. These policies can't immediately replace your gear in time for your trip, but they can help you to replace it for future use. The following companies provide policies specifically for skis. Please note that prices and availability are subject to change.

• Travel Guard : Like most travel insurance companies, Travel Guard has a wide variety of plans available, but skiers will want to add the 'Adventure sports bundle' to their plan. This ensures your gear will be protected throughout your trip.
• Allianz Travel : Individual rates vary, but Allianz's baggage benefits can pay to replace or repair stolen or damaged gear. There are maximum limits, and original receipts are required to recoup the full value. Allianz will cover up to 75% of the original value without receipts.
• World Nomads : The popular travel insurance company offers a variety of coverage depending on your needs. Notable covered bag incidents include: baggage delays, stolen bags and stolen high-value items, accidental damage to bags, and bags that have been lost in transit.

Best Travel Insurance for Ski-Related Injuries and Incidents

You've been prepping to ski Corbet's Couloir at Jackson Hole Mountain Resort, Wyoming, all summer long, but what happens if your first attempt doesn't go according to plan?

Well, for one, you'll most likely slide headfirst or tomahawk down Corbet's until you come to an abrupt stop, but then comes the worst part—injuries. We're not wishing this ill fate on any skier, but it's always better to be prepared. The following companies offer injury and accident insurance for skiers who want a little more peace of mind.

• Spot Injury Insurance : Spot is arguably the most popular injury insurance company for athletes in the country. In fact, all Ikon Pass holders are given an option at check-out to add Spot coverage for the season. Their services are only available when purchased through a participating partner company, but keep an eye out as their network of resorts is expanding.
• Faye : A one-stop app for all things travel insurance, Faye offers up to $250,000 in emergency medical expenses for international trips and up to $500,000 in emergency medical evacuations per person. If you're planning on going big on your ski trip, Faye might be one to consider.

Best Travel Insurance for Trip and Flight Cancellations, Weather, Etc.

The most ironic thing about skiing is that the snow and wintry weather that make it possible can also hinder it from happening. Ski resorts will sometimes shut down for days on end as avalanche risk peaks, and airports will delay or cancel flights as runways are left inhospitable for landing.

On most occasions, these storms only cause minor inconveniences that may delay our negatively affect our ski trip for a day or two at most, but what if the implications are more severe? The following companies offer coverage for canceled and delayed flights and could come in handy if Mother Nature throws you a curveball.

• TravelInsurance.com : TravelInsurance.com has exploded in popularity in recent years due to its 'Best Price Guarantee.' The website ensures that its customers will be given the lowest price possible as determined by law. Their coverage includes accidental injury, sickness or death, weather events, mandatory evacuations, and loss of employment for travelers.
• Travelex : Offering a wide suite of benefits, skiers will want to note Travelex's 'Trip Delay' benefit. Many of our favorite ski resorts require a connecting flight to reach, and Travelex's Trip Delay benefit could save the day if you're stranded after missing your flight.

Related: 5 Ski Resorts You Can Rent Out for the Day

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