SKI INSURANCE · SEASON 2026/27
Ski insurance 2026/27: comparing travel insurance for skiing
Ten insurers, one table: which policies cover skiing, what they pay for rescue and the ski pass, and where liability cover is mandatory. All from official terms, with a link to the source.
| Insurer and product | Skiing | Medical | Rescue | Liability | Ski pass | Price | Exclusions | Source |
|---|---|---|---|---|---|---|---|---|
| Croatia osiguranjeSKI travel and seasonal SKI travel | Dedicated ski product | Medical€10,000–30,000 (season €50,000) | Rescuehelicopter up to €2,500 | LiabilityOptional, up to €10,000 | Ski pass€20/day, max 8 days | Pricefrom €15.13 per person per trip; season from €51.77Published online price including the 20% discount. | ExclusionsOff-piste skiing and competitions unless agreed. | Sourcecrosig.hr – SKI putno ↗IPID / uvjeti ↗ |
| GeneraliPahuljica | Dedicated ski product | Medical€10,000, 20,000, 30,000 or 50,000 | Rescuetransport to hospital; limit not published | LiabilityAdd-on, Europe outside Croatia | Ski passRefund for unused days after hospital | Priceexample: €6.97 for 8 days (medical €10,000 + ski pass)Example from the product page for one person. | ExclusionsCompetitions and training without a surcharge. | Sourcegenerali.hr – Pahuljica ↗ |
| Sava osiguranjeSava SKI travel health | Dedicated ski product | Medical€20,000, 40,000, 50,000 or 100,000 | Rescuehelicopter up to €5,000 | LiabilityAdd-on | Ski pass— | PriceNot publishedPrice only via the online calculator. | ExclusionsOff-piste, heli-skiing, jumps, mountaineering. | Sourcesava-osiguranje.hr – SKI putno ↗ |
| Adriatic osiguranjeTravel insurance abroad | Skiing in the standard policy | Medical— | Rescuetransport including air ambulance | LiabilityIncludes amateur sport | Ski passup to €30/day, max 10 days | PriceNot publishedRecreational sport does not change the price (insurer FAQ). | ExclusionsOff-piste and jumps. | Sourceadriatic-osiguranje.hr – putno ↗IPID / uvjeti ↗ |
| EurohercTravel insurance package | Skiing in the standard policy | Medical— | Rescueair ambulance | LiabilityIncludes amateur sport abroad | Ski passup to €30/day, max 10 days | PriceNot publishedTerms from 2013 – check the current version. | ExclusionsOutside marked slopes. | Sourceeuroherc.hr – uvjeti ↗ |
| GRAWEGRAWE TOUR | Skiing in the standard policy | Medical— | Rescueup to 20% of the sum insured, max €10,000 | Liability— | Ski pass— | PriceNot published | ExclusionsCompetitions; missing required protective gear (e.g. helmet). | Sourcegrawe.hr – putno ↗IPID / uvjeti ↗ |
| Triglav osiguranjeTourist and travel health | With a surcharge / by agreement | Medical— | Rescuesearch and rescue in the mountains | LiabilityIncluded in the package | Ski pass— | PriceNot publishedFor skiing, check the premium surcharge. | Exclusions— | Sourcetriglav.hr – putno ↗ |
| UNIQATravel insurance online | With a surcharge / by agreement | Medical€10,000, 30,000 or 50,000 | Rescue€3,000, 5,000 or 7,300 | Liability€30,000, Europe | Ski pass— | PriceNot published10% online discount. | ExclusionsSports risks only if specifically agreed. | Sourceshop.uniqa.hr – putno ↗IPID / uvjeti ↗ |
| Wiener osiguranjeTravel insurance | With a surcharge / by agreement | Medicalfrom €15,000 (Europe) | Rescue— | LiabilityIncludes amateur sport | Ski pass— | PriceNot publishedSports injuries with an additional premium. | ExclusionsSports accidents without a surcharge. | Sourcewiener.hr – putno ↗IPID / uvjeti ↗ |
| Allianz HrvatskaTravel insurance package | With a surcharge / by agreement | Medical— | Rescuerescue from inaccessible places | LiabilityOptional, €100 excess | Ski pass— | PriceNot publishedThe IPID does not mention skiing – ask before buying. | Exclusions— | Sourceallianz.hr – putno ↗IPID / uvjeti ↗ |
Data from insurers official pages, IPIDs and terms. "—" means the official material does not state it. Check current terms before buying. · 5. 11. 2026.
Where are you going skiing?
Choose a destination for the rules that apply there.
Italy
- Liability insurance on the slopes has been mandatory since 1 Jan 2022; the fine is €100–150 and the ski pass is withdrawn.
- You can buy liability cover with the ski pass or as an add-on to your travel policy.
Austria, Slovenia and other EU
- The EHIC covers only necessary treatment in the public system – not helicopter rescue or the trip home.
- Liability cover is not legally required but is recommended.
Bosnia and Herzegovina or Serbia
- Check the policy territory – some ski policies cover Bosnia and Serbia, others only the EU.
- The EHIC does not apply here.
Croatia
- Travel health insurance applies abroad; for skiing in Croatia check your accident insurance.
- Croatian ski-area regulations do not require skiers to be insured.
Ski insurance FAQ
Does ordinary travel insurance cover skiing?
It depends on the insurer. Adriatic, Euroherc and GRAWE cover recreational skiing on groomed slopes in their terms, Triglav, UNIQA and Wiener require a surcharge or explicit agreement, while Croatia, Generali and Sava sell a dedicated ski product.
Is insurance mandatory for skiing in Italy?
Yes. Since 1 Jan 2022 every skier on Italian slopes must have third-party liability insurance; the fine is €100–150 and the ski pass is withdrawn.
Does ski insurance cover off-piste skiing?
As a rule, no. Skiing off groomed or marked slopes is excluded by every insurer whose terms we read.
Is the EHIC card enough for skiing?
Not fully. The EHIC covers necessary treatment in an EU country public system, but not helicopter rescue, private clinics or the return to Croatia.
Redoslijed provjere
Provjerite pokriće zimskih sportova.
Provjerite troškove spašavanja na skijalištu.
Provjerite privatnu odgovornost.
Provjerite otkaz i neiskorišteni ski-pass ako su važni.
Česta zamka
Standardno putno osiguranje može isključivati ili ograničiti sportske aktivnosti.
JAVNO POTVRĐENI PRIMJERI
Products iz povezanih područja
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Travel insurance
Croatia osiguranje · Travel insurance for medical expenses and other risks while abroad.
Publicly verified
The official homepage lists travel insurance as a consumer product.
Travel insurance26. 9. 2026.
SKI putno osiguranje
Croatia osiguranje · A highlighted travel insurance option for skiing trips.
Publicly verified
The official site lists SKI travel insurance among travel products.
Travel insurance26. 9. 2026.
Putno zdravstveno osiguranje
Allianz · Travel health insurance available through the Allianz online channel.
Publicly verified
The official online shop and IPID documentation list travel health insurance.
Travel insurance26. 9. 2026.
Travel insurance
UNIQA · Travel insurance for stays abroad.
Publicly verified
The official webshop lists travel insurance.
Travel insurance26. 9. 2026.
Travel insurance
Wiener · Travel health insurance with assistance and possible additional cover.
Publicly verified
The official website lists 24/7 assistance and medical costs abroad.
Travel insurance26. 9. 2026.
GRAWE TRAVEL
GRAWE · Travel insurance from the GRAWE offer.
Publicly verified
The official IPID directory lists GRAWE TRAVEL.