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The one thing you need when one thing goes wrong

Buy a 1Cover Comprehensive policy with the Winter Sports Pack to be covered for skiing and snowboarding on your trip. The Winter Sports Pack must be included for the entire trip duration.

 

Unlimited Medical  Medical Costs

Unlimited medical assistance for your overseas expenses including emergency medical evacuation if you hurt yourself on the ski slopes..

activities Winter sports

Cover for skiing, snowboarding, heli-skiing, and other winter sports activities both on-piste and off-piste within resort boundaries

cancel

Cancellation Cover

Choose how much cancellation cover you need. If illness or injury mean you can’t use prepaid ski passes, ski hire, or ski lessons, we’ll cover any lost deposits or expenses.

ski gear

Ski equipment

If your favourite snowboard, skiis, or any other winter sports equipment is lost, stolen or damaged, (while not in use) we'll cover it. .

weather  Bad weather

  If bad weather delays your travel by more than 12 hours, we’ll cover any accommodation and required travel expenses.

piste closure  piste closure

   If bad weather, lack of snow, or power failure cause closures for more than 24 hours, we'll cover extra ski pass costs, or transport to the nearest resort.

ski gear

 rental ski gear excess

  If your ski rental gear is stolen or damaged, don't worry. We'll cover the rental gear excess, or the cost of the repairs. 

rental car

 rental car excess

  Hiring a car to get to and from the slopes each day? Purchase cover for the excess if the car is damaged or stolen.

Please note: a double excess will apply for some claims that arise directly from you participating in winter sport activities (see Policy Wording for details). Additionally, all the benefits listed below are subject to the terms and conditions, as well as the limits and exclusions as outlined in the Policy Wording. If you need a policy for multiple trips a year, see our annual frequent traveller page.
 
  

Ski And Snowboarding Travel Insurance FAQS

  •  Am I Covered For Heliskiing?
  • The Winter Sports Pack covers claims that may arise from amateur heliskiing activities that do not involve any form of racing, acrobatics, jumping, aerial, stunting or freestyle. Terms and conditions, limits and exclusions apply. Please refer to the Policy Wording for further information.

  • Am I Covered For Off-Piste Skiing & Snowboarding?
  • Yes, we provide cover for off-piste skiing and snowboarding as long as it is within a short distance from designated areas of ski resort boundaries on groomed terrain that are open and patrolled by the ski resort.​

    You must select the Winter Sports Pack add-on when booking your policy to be covered for any winter sports activities. 

  • Do Your Policies Provide Cover For Backcountry?
  • We do not cover backcountry skiing due to the high risk of skiing in a sparsely inhabited rural region over ungroomed and unmarked slopes, it is advised to stay within resort boundaries where the slopes are patrolled. 

  • Are There Any Age Restrictions For The Winter Sports Pack?
  • Yes, these policies are only available for customers under the age of 69. 

  • Under What Sections Does Double Excess Apply?
  • A double excess applies for all claims under Section 2: Overseas Emergency Medical & Hospital Expenses, Section 14: On Trip Cancellation Fees & Lost Deposits, and Section 15: Additional Accommodation & Travel Expenses if you purchase the Winter Sports Pack and your claim arises directly from you participating in winter sports activities. You cannot pay to remove this excess. 

  • Is There Anything The Winter Sports Pack Does Not Cover?
  • The Winter Sports Pack does not provide cover for claims under Permanent Disability or Personal Liability that arise from you participating in winter sports activities. 

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds if you come home earlier than planned. This is stated in the Policy Wording.

  • What does domestic ski travel insurance cover?
  • While domestic travel insurance doesn't cover medical expenses in New Zealand, there is still plenty worth protecting on a ski trip. When you factor in snow season passes, ski gear, rental cars and accommodation, the costs add up quickly. 1Cover's domestic ski pack benefits include Emergency Rescue, Resort Closure, Winter Sports Equipment Cover and Winter Sports Equipment Hire and Winter Sports Pack (lift passes, ski hire, ski passes, ski school, or tuition fees that you are unable to utilise due to sudden illness or injury).

  • Does domestic ski cover provide evacuation and rescue cover?
  • Under domestic policies coverage is limited to evacuation from within the boundaries of a ski resort to its base area only. This does not include any additional transport beyond the base area, such as ambulance services.

  • Under domestic ski policies am I covered if my ski equipment is lost, damaged or stolen?
  • Yes, you would be covered for the repair cost or value of any winter sports equipment which are stolen, accidentally damaged, or are permanently lost during your journey. 

 

READ ALL FAQS

 

 

helpful resources for Skiiers

First time skier?

Lucky you! There’s nothing quite like your first time. Here a useful ski resource to get you started and get you excited for your trip. 

SafeTravel North America page

The New Zealand Government's SafeTravel website is a must for anyone who's going skiing. Find out country specific travel advice, passport information, and visa information.

1Cover's Medical Hub

Do you have pre-existing medical conditions? Or are you pregnant? Maybe you're concerned about the types of vaccinations you get while skiing. Find out everything you need to know here.

 

 

We've Already Helped
Millions of Customers

We’ve already helped millions of customers

4.3 from 1275 reviews Compare Travel Insurance NZ
"Happy with the amazing service"

Had the need to claim on our travel insurance and am extremely pleased and happy with the amazing service received. The process to claim was easy, very efficient and so quick! I was also kept up to date every step of the way. Thank you 1Cover

Jacqueline, September 2026

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"Highly Recommend"

Very happy with 1Cover travel insurance, convenient to organise online, and add in health conditions if required, drop-down boxes helpful to find out additional information regarding cover for things like Whitewater rafting etc. Highly recommend.

Helen, September 2026

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"1Cover for all our needs"

Very happy with the price of our insurance cover to South Africa. The online process was quick and easy to complete. We have used 1 Cover for all our needs for all our overseas trips to Alaska, Canada, Peru, Chile and all around Europe. We highly recommend 1 Cover Travel Insurance.

Anne, September 2026

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"1Cover are great"

1Cover are great fast easy and reasonable prices. Highly recommend. Thank you

Clair, September 2026

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"Best value for the cover offered"

Best value for the cover offered. I needed a high level of cover incase of cancellation and this was offered at a reasonable price.

Janet, September 2026

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Add-On Cover

Choose Your Excess

CHOOSE YOUR EXCESS 

You can choose to lower your excess, which means you'll pay less if you need to claim. 

High Value Item Cover

High-Value Items Cover

Protect your high-value items not automatically covered by your policy. Note: items cannot be older than 12 months.

Rental Car Cover

Rental Vehicle Excess

1Cover’s domestic policies protect you with rental vehicle excess cover. But you have the option of increasing this cover or adding it to international policies in case your rental car company gives you nasty surprise.

 

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Why Choose 1Cover Travel Insurance?

Medical Conditions Cover

We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.

Trusted By Millions

We’ve covered millions of travellers and their holiday adventures worldwide. Here’s what our customers have to say.

24/7 Emergency Assistance

Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.

 Fast Claims Service

We make claiming easy. Use our online claims form to get your claim assessed and resolved as quickly as possible.

Customer Service Excellence

Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.

Award winning Insurance

We’re recognised with awards for exceptional products and service by industry experts Canstar.

Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.