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When you hear the words “winter sports insurance”, cover for skiing and snowboarding might come to mind. But in Australia, winter adventures stretch far beyond the slopes, from ice skating at local rinks to cold-weather horse riding or even winter surfing.
Staying active year-round is great for your health and wellbeing, but winter sports can be risky. Understanding your winter insurance options is crucial for enjoying your favourite winter sports with confidence.
Flip's accidental injury insurance provides protection whether you're a weekend warrior going off-piste once a year or a pro athlete heading into your winter sports season. Let’s break down what winter sports insurance really means and how Flip can give you the confidence to go all in.
What is winter sports insurance?
Winter sports insurance is coverage that protects you financially if you're injured while participating in cold-weather activities.
You might find some winter sports insurance policies exclude high-risk activities, but that doesn’t mean you’re left out in the cold. Some winter sports insurance products cover injuries that occur during specific activities like skiing, snowboarding, ice skating, and even less common hobbies like fat biking or ice climbing.
Here are five types of insurance that can provide coverage for winter sports:
- Travel insurance: Can cover medical expenses, equipment damage and trip cancellations while traveling domestically or internationally. However, many standard travel policies exclude winter sports unless you purchase a specific add-on. Check the policy details carefully because some add-ons exclude extreme sports like heli-skiing or off-piste skiing.
- Private health insurance: Helps with hospital stays and some medical treatments, but can leave gaps for out-of-pocket expenses. Also doesn't help with lost wages and recovery costs.
- Accidental injury insurance: Provides cash payouts for eligible injuries regardless of where or how they occurred, which can complement other insurance types by covering gaps.
- Group Active insurance: Sports teams, venues or event organisers can purchase injury insurance on behalf of participants, providing protection during specific activities or at particular locations.
- Public liability insurance: Protects businesses rather than individuals, covering claims if someone is injured at their venue or during their event.
The best winter sports insurance choice depends on your specific activities, how often you do them and what existing coverage you might have.
What does winter sports insurance cover?
Winter sports insurance isn't just for snow bunnies. We see winter sports as any cold-weather activity where accidental injuries might occur, including:
- Traditional snow sports (skiing, snowboarding, cross-country skiing)
- Ice-based activities (ice skating, ice hockey)
- Adventure sports (winter mountain biking, cold-weather trail running)
- Family fun (tobogganing, snow fights)
- Other winter activities like frosty morning yoga sessions or horseback riding
Why choose Flip for winter sports insurance
Flip makes winter sports insurance simple and flexible. Whether you’re hitting the slopes for a day, spending a week overseas, or gearing up for an entire season, Flip adapts to your needs. It works alongside Medicare, private health insurance and travel insurance, giving you the confidence to get out there and enjoy your favourite activities without worrying about getting injured.
1. Flexibility for every adventurer
Whether you're heading up the mountain on a local day trip, taking a week-long international holiday or planning to make the most of your season lift ticket, Flip adapts to your needs:
Explore Flip Active for local adventures
- Day cover: Perfect for spontaneous adventures or event days
- Week cover: Ideal for holidays or when you’re active several times a week
- Monthly subscription: Great for ongoing activities or to cover the whole season
Discover more about Flip Active
Check out Flip Roaming for international cover
- Week by week cover: get peace of mind for your overseas winter sports holidays in covered destinations
With Flip, you can turn your cover on and off as needed, making it easy to stay protected wherever and whenever you’re active.
2. Complements your existing insurance
Even with Medicare, health insurance and travel insurance, if you get injured, you may still might have gaps in your coverage and have to pay for unexpected medical expenses. Flip can complement your other coverage with cash payouts for eligible claims if you're injured in an accident.
If you're travelling and have travel insurance, you should check your policy details carefully to see exactly what it covers and read our PDS to see if Flip is right for you.
See how Flip boosts your protection
3. Quick claims and cash payouts
Flip makes claiming simple so you can focus on recovery:
- Digital claims process with no paperwork
- Most claims are assessed within days
- Cash payouts go straight to your bank account to use however you need
Real story: How Flip supported Casey’s snowboarding recovery
Casey, an avid snowboarder, fell five metres from a chairlift during a trip and suffered a serious shoulder injury. Despite Medicare covering some costs, Casey faced unexpected expenses like transport to appointments and physio sessions.
With Flip Active, Casey received $2,600 in cash payouts for X-rays, surgery, and rehabilitation. “It took away the financial stress,” Casey said. “Getting injured is hard enough, but Flip helped me get the care I needed.”
Get winter-ready with Flip
Winter sports insurance is about protection, but more importantly, it’s about freedom. With Flip, you can:
- Try new cold-weather activities without stressing about injury costs
- Get support to recover with cash payouts if you do get hurt
- Focus on the thrill of your favourite winter sports, not the what-ifs
Ready to embrace the chill?
- Explore Flip’s coverage options
- Check out our guide on epic winter ski trips
- Learn more about our backcountry skiing insurance
Remember, the cost of injury in Australia can be significant. Don’t let it hold you back from enjoying your favourite winter activities. Get covered with Flip and make the most of the season!
