More time on the slopes.
Less time on insurance.
We compare 7 specialist ski insurance providers side by side — medical cover, helicopter rescue, off-piste, heli-ski, and equipment. From $29/person.
Helicopter rescue cover
Not covered by ACC — up to $20,000
Unlimited emergency medical
Overseas hospital & evacuation
Off-piste & heli-ski policies
Specialist options from Cover-More & World Nomads
Equipment cover to $5,000
Skis, boards, boots & outerwear
Piste closure compensation
When lifts close due to weather or snow
24/7 emergency assistance
Direct line — anywhere in the world
Find your ski insurance
Compare top winter sports providers
Top
Ski insurers compared
From $29
Per person ski cover
Unlimited
Medical cover available
24/7
Emergency assistance line
Independent comparison
Not tied to any one insurer
Ski-specific only
Purpose-built for winter sports
Free to compare
No cost — we earn referral fees
Regulated providers
All compared providers are ICNZ members
Why standard travel insurance isn't enough
Skiing is a high-risk activity — most travel policies exclude it entirely. Without a snow sports add-on, a single injury overseas could cost $30,000–$200,000.
Up to $200,000
Unlimited Medical Cover
Emergency surgery in Switzerland or Canada costs $50,000–$150,000. Unlimited medical cover is the single most important element of any ski policy.
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$3,000–$20,000
Helicopter Rescue
Mountain rescue helicopters are not covered by ACC in NZ or standard travel insurance abroad. This critical cost requires specific ski cover.
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$2,000–$5,000
Equipment Protection
Skis, boards, boots, and outerwear represent a major investment. Equipment cover protects against loss, theft, and damage during your trip.
Learn more →Ski Insurance Providers
Comparing 7 NZ winter sports insurance providers
Cover-More NZ
Award-winning snow sports cover for every level of skier
- Snow Sports & Snow Sports+ options
- On-piste and off-piste cover available
- Guided heli-skiing/boarding covered
World Nomads
Flexible adventure travel insurance — buy anywhere, claim anywhere
- 200+ adventure activities covered
- Buy or extend while travelling
- Hiking cover up to 6,000m elevation
1Cover NZ
Comprehensive winter sports cover with unlimited medical overseas
- Winter Sports Pack add-on to Comprehensive policy
- Unlimited overseas medical & evacuation
- Covers heli-skiing and off-piste
Ready to compare the top specialist winter sports insurers?
See from prices, medical limits, off-piste cover, heli-ski, equipment and ratings in one table.
Go to Full Comparison →Top Ski Destinations
Insurance guides for the world's best ski destinations
🇳🇿 New Zealand Ski Fields
✈️ International Ski Destinations
Japan
Niseko · Hakuba
Canada
Whistler · Revelstoke
France
Chamonix · Val d'Isère
Switzerland
Zermatt · Verbier
Austria
St Anton · Innsbruck
Italy
Dolomites · Cortina
USA
Vail · Jackson Hole
Australia
Falls Creek · Thredbo
Andorra
Grandvalira
Alaska
Alyeska · Heli-ski
Georgia
Gudauri · Bakuriani
Bosnia
Jahorina · 1984 Olympics
Norway
Hemsedal · Geilo
Scotland
Glencoe · Cairngorm
Argentina
Bariloche · Las Leñas
Winter Sports Covered
Find insurance for every alpine activity
Insurance Guides & Expert Tips
Essential reading for winter sports travellers
NZ Ski Season 2026: Everything You Need to Know Before You Go
From opening dates and lift pass prices to insurance requirements and what to pack — the complete guide to New Zealand's 2026 ski season.
Niseko Japan: The Complete Guide for New Zealand Skiers
Everything Kiwi skiers need to know about Japan's legendary powder destination — from getting there to getting insured and finding the best runs.
What to Compare When Choosing Ski Travel Insurance
Not all ski insurance policies are equal. Here's exactly what to look for when comparing ski travel insurance from NZ providers.
Whistler Blackcomb: The NZ Skier's Complete Guide
North America's largest ski resort awaits — but what do Kiwis need to know about insurance, costs, and getting the most from a Whistler ski trip?
Do I Need Travel Insurance for Skiing in New Zealand?
ACC covers some costs but has significant gaps. Here's what domestic ski insurance covers that ACC doesn't — and why it matters.
Skiing in Europe: A New Zealander's Guide to the Alps
The Alps offer the world's greatest concentration of ski resorts. Here's what Kiwis need to know to plan a European ski trip — and stay properly insured.
Heli-Skiing in New Zealand: The Complete Guide
New Zealand offers world-class heli-skiing in the Southern Alps. What to expect, where to go, what it costs — and how to insure yourself properly.
The 7 Most Common Ski Injuries and Why Insurance Matters
Understanding the most common ski injuries helps you appreciate why comprehensive medical cover is essential. Here's what skiers and snowboarders are most likely to claim.
Off-Piste Skiing Safety: What Every Skier Needs to Know
Off-piste terrain offers incredible skiing but carries real risks. Here's how to stay safe — and properly insured — when venturing beyond resort boundaries.
WinterSportsInsurance.co.nz is a trading style of Cover4You. We are a comparison and referral service, not an insurer. We compare products from a panel of insurance providers and may receive referral fees when you purchase a policy through links on this site. All product information is subject to change — always read the full policy wording before purchasing. Insurance advice should be sought from a licensed financial adviser.