Whilst season-long ski insurance can easily be obtained through the MoneyMaxim travel insurance comparison service (get a quote via the green button above), many prefer to seek out more specific insurance cover from companies who specialise in longer stay wintersports cover. Below we detail a few of the companies we have come across, and the sample cost for a couple of European destinations.
PJ Hayman offer fantastic options for those whose holiday plans may be a little out of the ordinary. As well as their Longstay policy, they also offer their upgraded Longstay Plus which includes higher limits. You may also find you can be covered under their standard travel policy, if you are looking for a more basic level of cover.
PJ Hayman can cover most pre-existing medical conditions and are experts at helping senior travellers. They can also offer group discounts and help those planning on working or studying abroad.
With their Activity pack 4 you are covered for more extreme wintersports such as off-piste skiing and Black Country skiing. If you do not need that level then you can opt for one of the lower level Activity packs.
PJ Hayman are certainly worth considering if you are concerned about getting the cover you need. They are all about making customers happy!
Worldwide Insure Longstay policies are available to UK residents. Policies can sometimes be extended - to do this you would need to contact Worldwide Insure. They offer a very basic policy which is great for those whose possessions are covered through their home insurance and two more comprehensive policies.
You are given the option to add ski cover. They will only cover one month continuous wintersports
As at 14th May 2024 the cost of one month continuous Wintersports cover is as follows:
, They cover those working abroad as long as 'manual labour' is not involved, and the company have confirmed work as bar or chalet staff is fine, and lift workers would be covered as long as the role was as an operator rather than as a repair worker.
As they have one pan European rate they can be very competitive in those countries which are more expensive for travel insurance, such as Spain and Switzerland.
This policy is designed for those looking to get involved in more extreme mountain activities. It does however come at a price, and if you are a boarder they will charge you extra! Covers all types of skiing including on-piste, off-piste, cross-country, touring, downhill, telemark, nordic, heli-skiing, ski-mountaineering and snowboarding (worldwide for an extra premium). Scottish Winter climbing, ice climbing, alpine climbing. Search and Rescue cover included. All climbing in Europe and most peaks worldwide up to 6,500m. Only open to BMC members. Be aware though that manual work is excluded from cover.
You do need to be a BMC member to take up their cover which costs £1.77 per month if you are under 27 years old.
The GHIC card (or EHIC card if yours is still valid) only gives a traveller access to the same standard of medical assistance offered to a citizen of the country you are visiting. It is not equivalent to private healthcare. We would not recommend either or the combination of both as adequate for a Brit overseas. The holes in the cover, such as repatriation costs in the case of illness (the Carte Neige covers only skiing accidents, and is really designed for French Nationals to top up their existing health cover) and liability insurance mean that whilst we think both have benefits they should be used in addition rather than instead of proper trip insurance.
21 year old travelling to France for 5 months
| Company | Policy Information | Medical Cover | Baggage Cover | Personal Liability | Standard Excess | Premium | More Information |
|---|---|---|---|---|---|---|---|
 | Budget Long Stay | £5m | £0 | £1m | £75 | £126.00 | More Info |
 | Longstay with Activity pack 4 | £5m | £2000 | £2m | £75 | £351.19 | More Info |
| Super Long Stay | £10m | £2000 | £2m | £75 | £210.00 | More Info |
 | Rock Policy Including Professional Cover | £10m | £2500 | £2m | £95 | £705.52 | More Info |
| Rock Policy Excluding ProfessionalCover | £10m | £2500 | £2m | £95 | £549.28 | More Info |
| Economy Long Stay | £5m | £1000 | £1m | £75 | £168.00 | More Info |
28 year old travelling to Switzerland for 5 months
| Company | Policy Information | Medical Cover | Baggage Cover | Personal Liability | Standard Excess | Premium | More Information |
|---|---|---|---|---|---|---|---|
| Budget | £5m | £0 | £1m | £75 | £126.00 | More Info |
| Economy | £5m | £1000 | £1m | £75 | £168.00 | More Info |
| Super | £10m | £2000 | £2m | £75 | £210.00 | More Info |
| Longstay with Activity pack 4 | £5m | £2000 | £2m | £75 | £351.19 | More Info |
| Rock Policy Including Professional Cover | £10m | £2500 | £2m | £95 | £705.52 | More Info |
| Rock Policy Excluding Professional Cover | £10m | £2500 | £2m | £95 | £549.28 | More Info |
Prices are as at 14/05/24 and include Wintersports cover. Please check company websites for latest information.
This information is based on journalistic investigation and research. It is not financial advice. Any information should be considered in regard to specific circumstances. Any suggestions followed up are done so at your own risk and your own research is key.
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