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Ski Insurance covering Preexisting Medical Conditions

Winter Sports Insurance covering Existing Medical Conditions Compared

If you have a preexisting medical condition there is no reason why it should prevent you from skiing or boarding. There are plenty of insurers who will be happy to cover you.

Want to talk to someone regarding Ski or Boarding Insurance covering Medical Conditions?

  • Winter Sports Insurance with Medical Condition Comparison service
  • 10% voucher code (MAX10) for MoneyMaxim users - use online or on phone
  • Company can suggest the best policies dependent on the severity of your condition and other medical conditions
  • Get an instant quote online or call via Freephone number 0800 542 7166 (Mon-Fri 9am-5pm, Sat 9am-1pm)


Travel Insurance 4 Medical


Ski Insurers who offer Medical Screening on their policies

Avanti Travel Insurance
  • Optional upgrade for wintersports
  • All medical conditions considered
  • 24 hour medical emergency helpline
  • Unlimited medical emergency cover with their deluxe policy


Good to Go Travel Insurance
  • Specialist insurance for medical conditions
  • Annual and Single Trip winter sports policies
  • Covers wide range of pre-existing medical conditions including Mental Health, Severe and Terminal Conditions
  • Three levels of cover to choose from


Insure For Travel
  • Choice of cover options
  • Wide range of conditions considered
  • Cover for wintersports available


Columbus Direct
  • Travel Insurance with Medical Condition Screening
  • Cover for 100's of conditions including diabetes, Alzheimers and dementia
  • Optional cover for Skiing and Wintersports


  • Option to add wintersports extension to their travel policy
  • Single trip and annual policies with no upper age limit.
  • Travel Insurance with simple screening for medical conditions
  • Will consider any diagnosed medical condition


Specialist Medical Condition Insurers who protect skiers and boarders

All Clear Travel
  • Add wintersports as an option
  • Can cover almost any medical condition
  • Single Trip policies can cover any trip duration
  • Cover to bring you home if medically necessary


Staysure Travel Insurance
  • Winter Sports Insurance
  • Personal Liability up to £2 million
  • Travel Disruption cover available
  • Winter Sports comes as standard if you purchase a comprehensive annual travel policy.


There is no reason at all why skiers and boarders with a pre-existing medical condition should not be able to enjoy a holiday on the slopes - unless of course it's against their doctors advice.

Do I need to declare a preexisting medical condition?

We would not suggest travelling abroad without adequate ski and boarding insurance which would cover your pre existing medical condition - Medical costs abroad can be very expensive and although any attendance at hospital may, in your view, be totally unrelated to your pre existing condition, if your insurance company considers otherwise, you could be facing a very large bill from a health-related problem while abroad.

We have listed some of the companies on the left which offer insurance that covers medical conditions for skiers. The first couple are brokers who offer a phone service which we find is popular, as it means you only need to explain your condition once, and then they will search through a number of policies before identifying the best for you.

Benefits of Ski Insurance with Medical Condition Cover

Even if you have a mild medical condition do check that you have identified whether your insurance company want to know about it when obtaining a quote. If you need to declare it do so - as altitude can mean you react differently than you might do at home - and the worse case scenario is that you need treatment that an insurer refuses to pay for as they feel you hid vital information at the time of buying your policy.

What sort of information will an Insurer require?

So that they can accurately assess your situation, insurers will ask for your medical history, together with any current medication or treatment.

Whilst the answers will have an impact on your premium do not be economical with the truth as, if a claim is made, your doctor will be asked for a medical report.

This content was last reviewed on 20/12/2023