Family Ski Insurance
Family ski insurance built for heli-rescue costs, piste-closure refunds and lost-kit dramas. Quick and easy.
Looking for family ski insurance?
Add our Winter Sports Cover to any Rise & Shield insurance plan and we protect every skier in your crew (parents and under-18s alike) for on-piste laps, guided off-piste forays, lost or damaged kit, piste-closure refunds and avalanche-triggered detours .
One quote, one policy, whole-family peace of mind.
What's included in our family ski insurance?
You're covered for:
- Worldwide emergency medical expenses.
- Trip cancellation & interruption.
- Evacuation and repatriation.
- Equipment loss.
What's not included in this policy?
Our family ski cover does not extend to:
- Competitive or pro-level events – any race, tournament or training on a professional or semi-professional basis is outside our remit.
- Unguided off-piste or unrecognised routes – if resort rules require a qualified guide, you must stick with them; solo forays void cover.
- Trips outside the recognised winter season (Northern Hemisphere 1 Nov–30 Apr; Southern Hemisphere 1 May–30 Sep) or when the entire lift system is shut by weather.
What does our family ski insurance cover?
With Rise & Shield’s family-first Winter Sports add-on, we protect every chair-lift ride and nursery-slope tumble, right up to guided off-piste sessions.
Medical Emergencies and Evacuation
We pay overseas hospital bills and, when the resort doctor orders it, arrange helicopter evacuations, pre-authorised through our 24/7 assistance centre.
Equipment Loss or Damage
Lost skis, snapped poles, a stolen GoPro or even a misplaced lift-pass, we reimburse or replace kit (owned or hired) under the extended luggage section, using a fair-wear depreciation table so you can get back on the slopes fast.
Piste-Closure Refunds
If lack of snow, avalanche debris or landslide shuts the lift system for 12+ hours, we pay daily allowances to reach an alternative resort, or compensate you if none exists.
Plus loads more benefits...
Why do I need family ski insurance?
Ski resorts aren’t cheap clinics or gear stores. A single mishap can torch a season’s budget. Here’s why our Winter Sports cover earns its keep:
- On-slope medical & mountain evacuation: A fractured wrist or twisted knee can rack up £5 000–£10 000 in Alpine clinic fees and heli-lift charges. We settle the bills and organise rescue through our 24/7 assistance team, minus the fixed policy excess.
- Kit, lift-pass and hire-gear protection: Junior loses a helmet, mum’s skis get stolen, or the family lift-passes vanish in a café? We reimburse or replace owned and rented equipment, applying a clear depreciation schedule so you’re back on the hill fast.
- Trip disruption & piste-closure refunds: White-out blizzards, avalanche control or lift breakdowns can idle the whole resort. We pay daily allowances to reach another area, or compensate you when no alternative exists, and refund unused lessons and ski-packs if illness sidelines anyone.
One policy, one emergency hotline, every member of the family covered.
Why choose our family ski insurance?
Choosing Rise & Shield means selecting coverage that’s as family-focused as your trip. Here’s what makes us the top choice for family ski insurance:
- 24/7 Customer Support: Our dedicated team is available around the clock, so you’re covered and supported no matter the time zone or ski slope.
- Family-Friendly Claims Process: We make it easy to file claims, so you can get back to enjoying your vacation without unnecessary delays.
- Competitive Rates for Families: Our policies are designed to cover everyone in your family at competitive rates, offering high-value protection without high costs.
- Customisable Options: Add extra protections like High Value Items, giving your family complete control over coverage.
With Rise & Shield’s family ski insurance, you’re ready to make the most of your ski trip with the confidence that every family member is protected.
How do I get family ski insurance online?
Getting covered with Rise & Shield is easy. Follow these simple steps to secure your trip:
Get a Quote: Start by entering your trip details to receive a personalised quote.
Customise Your Plan: Tailor the coverage options to meet your specific needs.
Receive Instant Confirmation: Purchase and instantly receive your policy details via email.
Family ski insurance FAQs
Yes. Winter Sports is an optional add-on. Once you tick it at checkout (and it shows on your policy Certificate) the protection extends to every parent and child on the policy.
They are. If a resort doctor certifies that you (or one of the kids) can’t ski, we refund the unused portion of your ski-pack, passes, lessons and hire gear, under the “Inability to Ski” benefit.
Guided or in-bounds off-piste is covered as long as local rules are followed and, where required, you stick with a qualified guide. Solo or unrecognised routes are out.
Yes. The luggage section is extended for Winter Sports gear: we pay to repair or replace lost, stolen or damaged equipment (owned or rented), using a clear depreciation schedule to keep things fair.
No. Those two sections are paused during any Winter Sports activity; all other relevant benefits (medical, evacuation, baggage, piste-closure, etc.) remain live.
Call our 24/7 Emergency Assistance Centre straight away. All helicopter or over-snow stretcher evacuations must be pre-approved by that team; a fixed excess applies, and they’ll coordinate the lift-out and direct billing.
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Rise and Shield is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority. Optimum Global Limited’s Firm Reference Number is 453654, you can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768. . Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.