Finding winter sports insurance for over 65s can be a challenge. Most insurance policies won’t cover individuals aged 65 or over. Furthermore, standard travel insurance policies won’t usually cover winter sports. Tailored winter sports holiday insurance is required which offers protection for medical emergencies, mountain rescue, lost equipment and trip disruption.
This page explains the key features to look for and sets out our curated list of insurers that offer reliable winter sports cover for over 65s.
What To Look For in Winter Sports Insurance for Over 65s
Before comparing, make sure any policy you consider contains the following:
| Essential feature | Why it matters |
| Emergency medical treatment | Essential for treating injuries such as fractures, ligament damage or concussion. |
| Mountain rescue and evacuation | Including ambulance transfer or helicopter evacuation where required. |
| Repatriation | Transport home if you are too unwell to continue your holiday. |
| Ski equipment cover | Protection for skiers’ or snowboarders’ own kit and rented gear. Usually covers skis, bindings, ski boots, poles and specialised clothing. You are typically covered up to the policy limit for the value of your own equipment after making allowance for wear and tear. |
| Lost or stolen ski lift pass | Compensation for the unused element of your pass at the time it was lost or stolen. |
| Piste closure | Compensation if poor snow conditions shut the resort or lifts. |
| Holiday disruption: Ski pass & lessons cover | Refund if you cannot use prepaid passes due to injury or illness. |
| Personal liability | Cover if you accidentally injure another person or their property whilst on the slopes. |
| Trip cancellation & curtailment | If illness or other circumstances cut your trip short or prevent it. |
✅For more detail on what to look for in an insurance policy, see our complete guide to winter sports holiday insurance.
Winter Sports Insurance Policies for Over 65s
At Cover My Adventure, our mission is to make finding adventure travel insurance simple. We’ve reviewed leading winter sports insurance policies for over 65s and narrowed them to the following curated list.
The table below sets out the key features of each policy. This includes the price quoted for a week long ski holiday in France to give an idea of cost. All the insurers below offer a number of policies with varying levels of cover and cost. (Prices as at November 2025 for a 68 year old female traveller with no pre-existing conditions).
| Insurer | Lets Go Insure | Aviva |
| Maximum age | 69 | 79 |
| Medical expenses | £5,000,000 | £10,000,000 |
| Personal accident | £25,000 – under 66 only | £50,000 |
| Personal liability | £2,000,000 | £2,000,000 |
| Trip cancellation & curtailment | £5,000 | £5,000 |
| Ski equipment cover | £500 | £500 |
| Replacement hire | £50/day up to £500 | £200 |
| Piste closure | £50/day up to £500 | £30/day up to £300 |
| Holiday disruption | £50/day up to £500 | £20/day up to £200 |
| Indicative price for 1 week ski trip to France | £53 | £62 |
This information was compiled in November 2025, prices and policy details are subject to change. Before you buy, it is important to familiarise yourself with the policy detail and conditions.
Cover My Adventure’s Methodology
We apply a clear methodology when reviewing skiing holiday insurance policies. Policies are assessed based on the unique risks faced by on and off piste skiiers abroad. Only those meeting all our criteria are featured on our curated list. By using our site, you support independent research into better insurance for adventure travellers and find cover that fits your trip in minutes.
Before You Buy
- Read the policy documentation carefully
- Declare all medical conditions. Any omissions could void your policy.
- Buy cover as soon as you book. This ensures you are protected for cancellations or unexpected events before departure.
- Keep receipts for rentals, lessons, and ski passes
- Once purchased, keep a copy of your policy handy. Then you can easily check cover details.
Final Thoughts
Winter sports don’t need to stop at 65 but good insurance becomes more important. Choosing the right winter sports insurance for over 65s ensures you’re protected for medical emergencies, equipment issues, cancellations and off-piste conditions.