Winter Sports Insurance — Cover for Every Alpine Adventure
Winter sports insurance covers a broad range of alpine activities beyond just skiing — from snowshoeing and cross-country skiing to mountaineering and ice climbing. Find the right cover for your specific winter adventure.
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Written by James Hewitt·Winter Sports Insurance Specialist·Updated June 2026Which Winter Sports Require Snow Sports Add-Ons?
Not all winter activities require the same insurance treatment: Snowshoeing on groomed trails is typically covered under standard travel insurance. Cross-country skiing on groomed trails requires a snow sports add-on. Downhill skiing and snowboarding require a snow sports add-on. Off-piste skiing requires an off-piste upgrade beyond standard snow sports. Heli-skiing requires specialist cover. Mountaineering requires either specialist cover or specific adventure plans.
Combining Multiple Activities
Many winter sports holidays combine multiple activities — skiing in the morning, snowshoeing in the afternoon, and perhaps a day's heli-ski excursion. Ensure your policy covers all planned activities. World Nomads is particularly well-suited to multi-activity travellers, covering 200+ activities under their Explorer plan.
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Most Popular Cover-More NZ $39/ person | Best for Adventure World Nomads $52/ person | Best Value 1Cover NZ $44/ person | SCTI $36/ person | Zoom Travel Insurance $29/ person | Allianz Travel NZ $42/ person | AIG Travel Activate $38/ person | |
|---|---|---|---|---|---|---|---|
| Medical cover | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Up to |
| Equipment | $3,000 ski equipment | $3,000 sports equipment | $4,000 ski equipment | $2,500 sports equipment | $1,500 snow sport equipment | $2,000 ski equipment | $2,000 sports equipment |
| Piste closure | $1,500 piste closure | Included | $1,000 piste closure | $1,000 piste closure | $1,000 piste closure/bad weather | $1,200 piste closure | $800 piste closure |
| Off-piste | |||||||
| Heli-ski | |||||||
| Rating | 4.7 ★ | 4.6 ★ | 4.5 ★ | 4.4 ★ | 4.2 ★ | 4.3 ★ | 4.1 ★ |
| Full details → | Get Online Quote | Get Online Quote | Get Online Quote | Get Online Quote | Get Online Quote | Get Online Quote | Get Online Quote |
* Prices are indicative — 1 adult, 7-day NZ domestic ski trip, basic ski add-on, age 35, no pre-existing conditions. Actual prices vary by age, destination, duration and cover level. Always get a quote for your exact price.
* Prices are indicative. Always get a personal quote from the provider. Coverage details subject to policy terms.
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Cover-More NZ
World Nomads
1Cover NZ
SCTI
Zoom Travel Insurance
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