Many Poles go skiing to foreign resorts, e.g. Italy and Austria, but not everyone remembers that an accident in such a place means much higher costs than in the country. The popular EHIC on the slopes will not help if we have a ski pass that we do not use, or if we need to call mountain rescuers. Insurance abroad is necessary, especially if we want to practice winter sports. Check out the list of ski policies and see what insurers offer to their clients.
A study by the Polish Tourist Organization shows that in the 2024/2025 season, approximately 27% of respondents planned winter recreational trips abroad, of which as many as 14% indicated practicing winter sports as the reason. To say that such a holiday is expensive would be a huge understatement: resorts such as the Italian Livigno not only cost accommodation in euros, but also ski passes, which, according to the Italian National Association of Users of Public Services (Assoutenti), cost EUR 72 per day this year (an increase of over 8%). If a tourist has an accident on the slope, he will generally have to pay not only for the treatment, but also the costs of the previously purchased ski pass. You can avoid this by purchasing insurance, but it's the details that matter.
Does a ski trip need to be insured?
Private trips for tourist purposes do not have to be insuredhowever, if the trip is organized by a travel agency, this additional protection will usually appear as part of the package. If you are staying abroad for a longer period of time, it is worth getting a European Health Insurance Card, which will allow you to receive basic medical assistance, e.g. in the event of illness or injury. Unfortunately, the document has its limitations – although its issuance is free of charge, the scope of the EHIC does not cover, for example, rescue, transport to the country, luggage protection or benefits in the event of health damage. During foreign trips, especially winter trips and those related to sports, such elements will be provided by a tourist insurance policy, provided that its scope is selected appropriately.
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Ski insurance – this is something you need to take into account
When deciding to purchase travel insurance that will be helpful during a skiing or snowboarding trip abroad, we should focus on the possible high insurance sums. It is not worth saving in order to pay the lowest possible premium, because in the event of an accident, the costs of medical assistance may exceed the insurer's liability limit, and we will have to cover the rest of the expenses. Here are the most important elements to pay attention to:
- Treatment costs – this is a basic element of a ski tourist insurance policy; the higher the amount we choose, the greater the certainty that in the event of an accident we will receive the help we need without additional costs. This limit usually also includes assistance services, rescue services and transport of the insured person to the country.
- NNW – protection in the event of an accident consisting in the payment of a one-time benefit in the event of the insured person's death or serious health impairment;
- OC – civil liability insurance covers damage caused unintentionally, e.g. damage to someone's sports equipment or a collision with another tourist while skiing;
- Luggage – the policy will cover the costs of damage and/or theft of suitcases, travel bags and sometimes also sports equipment.
If we suffer from chronic diseases, e.g. diabetes or hypertension, we must take into account the risk of health deterioration during the trip. As a rule, it is included in the costs of treatment, but some insurers may require the purchase of an additional clause, so it is worth checking whether the selected offer covers this element. A similar situation applies to continuation of treatment after an accident in Poland, the costs of which are usually limited and the use of it involves the payment of an additional premium.
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Insurance extension, i.e. winter sports
A trip abroad related to practicing amateur sports should be indicated in the policy, as it may have a direct impact on the premium amount. When choosing a package, you should extend the protection to include practicing winter sports, which will not only allow you to cover your sports equipment with an additional insurance amount, but also, in combination with assistance, cover other costs in the event of illness or accident.
- Unused ski pass,
- Ski equipment rentals,
- Accommodation in the event of an avalanche.
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Bankier.pl ski insurance ranking – November 2025
We asked insurance companies to prepare travel insurance calculations for a family with two children (10 and 14 years old) who are going to Italy for a week to ski. We accepted sum insured for medical expenses in the amount of PLN 400,000. zloty or the closest to it, also taking into account Personal accident insurance, third party liability insurance, luggage protection and amateur winter sports practiced by the insured persons. In November 2025 the lowest ski insurance premium was just over PLN 200 (TU Europa), while the highest was over PLN 560 (PZU). We have not received a response from Compensa and UNIQA, Allianz, in turn, explained that it is currently changing its travel insurance offertherefore it was not possible to prepare the calculation.
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Ski insurance ranking – November 2025 |
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|---|---|---|---|
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Contribution |
Sums insured |
Amateur winter sports |
|
|
HERE Europe |
PLN 216 |
KL – 150 thousand EUR accident insurance – 7 thousand EUR Third party liability insurance – PLN 75,000. EUR Luggage – EUR 500 |
Sports equipment – EUR 1,000 Unused ski pass – max. 300 EUR Equipment rental – EUR 25/day |
|
Signal Iduna |
PLN 248 |
KL – 100 thousand EUR accident insurance – 15 thousand zloty Third party liability insurance – 30 thousand EUR Luggage – 2 thousand zloty |
Sports equipment – in scope Unused ski pass – max. 300 EUR Equipment rental – EUR 20/day (10 days) Route closure – EUR 20/day (5 days) |
|
AXA |
PLN 296.79 |
KL – 600 thousand zloty accident insurance – 50 thousand zloty Third party liability insurance – 250 thousand zloty Luggage – 3 thousand zloty |
Sports equipment – PLN 5,000. zloty Unused ski pass – max. PLN 1,200 Equipment rental – PLN 270/day (max. PLN 1,600) Route closure – PLN 225/day (max. PLN 1,350) |
|
LINK4 |
PLN 309.83 |
KL – 500 thousand zloty accident insurance – 10 thousand zloty Third party liability insurance – 200 thousand zloty |
Sports equipment – PLN 2.5 thousand zloty Unused ski pass – within the scope Equipment rental – within the scope Route closure – EUR 25/day |
|
Nationale-Nederlanden |
PLN 424.04 |
KL – 500 thousand zloty accident insurance – 25 thousand zloty Third party liability insurance – 150 thousand zloty Luggage – 5 thousand zloty |
Sports equipment – PLN 7,000. zloty Unused ski pass – within the scope Equipment rental – within the scope |
|
Generali |
PLN 438 |
KL – 500 thousand PLN/person accident insurance – 30 thousand PLN/person Third party liability insurance – 300 thousand PLN/person |
Unused ski passes, equipment rental and route closures require exclusive assistance Additional insurance for sports equipment requires paying an additional premium (e.g. PLN 198 for a total of PLN 5,000) |
|
Guard |
PLN 512 |
KL – 400 thousand zloty accident insurance – 25 thousand zloty Third party liability insurance – 500 thousand zloty Luggage – 1 thousand zloty |
Amateur winter sports require the extension of protection to include the Winter Sports clause. Unused ski pass – 80% of the ski pass cost Equipment rental – PLN 80/day (7 days) |
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PZU |
PLN 561.28 |
KL – 400 thousand zloty accident insurance – 50 thousand zloty Third party liability insurance – 500 thousand zloty Luggage – 3 thousand zloty |
Skiing and snowboarding are an additional clause. Unused ski passes, equipment rental and route closures require assistance in the sport variant. |
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Source: Bankier.pl based on information from insurance companies |
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The first place in the Bankier.pl ski insurance ranking went to the offer Europe Insuranceunder which the contribution for the entire family amounted to PLN 216. The sum for treatment costs is appropriately high – PLN 150,000. euro; the one for accident insurance could be higher, but for third party liability insurance it is sufficient (EUR 75,000). However, there is an extension to the Sport Package, thanks to which customers receive an additional EUR 1,000 protection for sports equipment, a maximum of EUR 300 for an unused ski pass, and the insurer will pay EUR 25/day for ski equipment rental. The policy also covers chronic and mental illnesses.
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The proposal turned out to be the runner-up on the list Signal Iduna with a premium of PLN 248. The amount shown includes the increase related to winter sports; the basic insurance sum is PLN 100,000. euro and to the extent it includes not only exacerbation of chronic diseases, but also events under the influence of alcohol (alcohol clause). The liability limits for personal accident insurance and third party liability insurance are PLN 15,000, respectively. PLN and 30 thousand euros, which may not be enough, but the customer can increase both amounts several times. Sports assistance allows you to reimburse the cost of an unused ski lift ticket or cover the costs of closing down ski slopes.
Rounding out the podium is travel insurance in AXAwhere for a ski trip we will pay a total of less than PLN 300. Base policy with the sum of treatment costs PLN 600,000. PLN (including chronic diseases) covers amateur winter sports, such as skiing or snowboarding, but only on designated routes. The given premium amount already includes the Ski Package, with which insured persons receive PLN 5,000. PLN for sports equipment insurance (up to the base amount of PLN 3,000), PLN 1,200 for unused ski passes or reimbursement of costs when closing ski slopes and renting equipment. The clause enabling coverage of post-accident treatment in Poland requires the payment of an additional premium.
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Extreme sports cost dearly
Finally, a few words about an option that may be of interest to people looking for a stronger experience in the mountains. If you intend to ski or snowboard off-piste, go bobsledding or ski mountaineering, you should extend the scope of your policy to include practicing extreme/high-risk sports. The basic extension, covering winter sports, applies primarily to skiing and snowboarding treated in an amateur manner, while more risky activities will not be covered. For the assumptions we made the cost of including extreme sports in ski insurance ranges from approximately PLN 277 to PLN 503 depending on the offer and accepted insurance sums.
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