Snow Sports

There is no automatic cover for any claims arising from overseas snow sports, for any trips departing New Zealand on or after 3 February 2026. 

If you are planning to go skiing or snow boarding while overseas, you can customise your policy and add cover for these activities. Simply check your cover, and select snow sports. Once you have paid the required premium, you will have covered snow sports.

Which policy benefits are affected?

• Benefit B: Travel cancellation after your journey starts,
• Benefit C: Overseas medical expenses, and
• Benefit D: Unexpected travel expenses.

What types of snow sports can be covered, and what can't be covered?

Covered snow sports means skiing or snowboarding inside the marked boundaries of a commercially operated ski field, and where you have applied to cover skiing and snowboarding and paid the applicable premium. 

Covered snow sports does not include professional sports, racing, race training, tricks, stunts, or skiing or snowboarding outside marked ski field boundaries including terrain accessed by helicopter or snowcat.

Other winter sports are not covered, including any sporting activities that are solely or predominantly undertaken outdoors on snow or ice, and that requires specialized gear, including, but not ice skating, ice hockey, ice fishing, bobsledding, skeleton, sledding, luge, ice climbing, curling and snow shoeing.

Normal policy conditions also apply so you will not be covered if you behave recklessly or put yourself in deliberately dangerous situations, such as ignoring resort signage relating to hazards.