Do You Need Insurance For Your Japan Ski Trip - Feature Image

Do You Need Insurance For Your Japan Ski Trip

Yes! You need ski insurance for your Japan ski trip!

Several years ago, I injured myself while skiing.

I broke my ankle early in the season on a beautiful powder day. Visibility was poor. I was on a narrow ski and decided to ski some powder moguls. As I came over the top of a mogul, my ski got stuck in the trough on the backside. My body kept going, and I twisted my ankle inside my ski boot.

The pain was horrendous!

Despite my suffering, I got off the mountain without ski patrol’s help. Stubborn as I was, there was no way I was going down the hill in the bucket.

Being in the early season, I couldn’t ski to the bottom. I had to ride the gondola down and then walk to my car.

I spent the next 24 hours conning myself into believing it was a nasty sprain. I couldn’t face the fact that I was seriously injured and my ski season was over.

I woke up the following morning in absolute agony. I knew I had to see the doctor.

I was in a cast for eight weeks and spent the rest of the season gingerly rehabilitating my ankle.

I was lucky; I live in Japan and have national insurance. But many travelers do not.

Events Hakuba Do You Need Insurance For Your Japan Ski Trip 1

Why You Need Insurance For Your Japan Ski Trip

When I was at the clinic, an injured boarder was having trouble communicating with the nurses. I stepped in to help as best I could.

The snowboarder had broken his collarbone. The doctor examined him, gave him a sling, and told him to get it looked at when he flew home.

He owed the clinic $400 for the examination! 

He didn’t have the cash, and his parents had to transfer the money so he could pay his bill.

Medical expenses abroad can be costly, and most travel insurance policies don’t cover snow sports. Skiing, even inside the resort, is often considered high-risk and requires additional coverage.

Backcountry Skiing and Off-Piste Skiing

Insurance For Your Japan Ski Trip - Hiking in Hakuba Backcountry

Every insurance provider will have different definitions of off-piste and backcountry. Some policies may only cover off-piste skiing within the resort boundaries, while others may include backcountry skiing as long as it is done with a guide or in a designated area. It’s important to carefully read the terms and conditions of your policy and confirm you are covered for the type of skiing you will be doing.

Best Ski Travel Insurance

Here is a list of the best ski travel insurance for your ski holiday:

  • Best Overall Ski Travel Insurance – Nomad
  • Best Budget Ski Travel Insurance Tick Travel Insurance
  • Best Backcountry Ski Travel Insurance – Insure4Less
  • Easiest to Understand Ski Travel Insurance – Insure And Go
  • Best For On Piste Skiing Only – World2Cover

These providers offer comprehensive coverage for snow sports, including off-piste and backcountry skiing. It’s important to compare prices and coverage options from different insurance companies to find the best fit for your needs.

Tips for Choosing Ski Travel Insurance

When looking for travel insurance specifically for a ski holiday, there are a few key factors to consider:

  • Coverage for medical expenses in case of an accident or injury
  • Coverage for snow sports activities, such as skiing and snowboarding
  • Coverage for equipment rental or replacement in case of loss, theft, or damage
  • Personal liability coverage in case of causing harm to others on the slopes
  • Emergency evacuation coverage in case of a severe injury that requires transportation to a hospital
  • Coverage for trip cancellation or interruption due to unforeseen circumstances, such as illness or weather conditions
  • 24/7 emergency assistance and support while on your ski holiday


Skiing travel insurance is a crucial aspect of planning for a ski trip. It can provide peace of mind and financial protection in case of unexpected events. Carefully research and compare different insurance providers to find the best coverage. Always read the policy terms and conditions carefully before purchasing to ensure you have the right coverage for your ski holiday.

Safe skiing!


Do I need Japan travel Insurance?

Yes, it is highly recommended to have travel insurance when visiting Japan. It can cover unforeseen events and give you peace of mind while traveling.

When should I purchase travel insurance for Japan?

Purchasing travel insurance as soon as you book your trip is best to ensure coverage for any unexpected events before or during your trip.

What does ski travel insurance cover?

Ski travel insurance typically covers emergency medical expenses, evacuation and repatriation, trip cancellation or interruption, and equipment loss or damage. Be sure to check the terms and conditions of your policy.

Is travel insurance to Japan worth it?

Yes, travel insurance to Japan is worth it as it can provide financial protection in case of unexpected events such as accidents or cancellations. It can also cover expenses for lost or damaged ski equipment. So, even though it may seem like an added expense, the peace of mind it provides

Do I need Japan travel Insurance?

Purchasing travel insurance for any trip, including one to Japan, is highly recommended. Unexpected events such as illness, injury, or natural disasters can occur, and having travel insurance can provide financial protection and peace of mind.

When should I purchase travel insurance for Japan?

It is best to purchase travel insurance as soon as you book your

Does skiing travel insurance cover heli-skiing?

Ski insurance typically does not cover heli-skiing, as it is considered an extreme sport and may require a separate policy. You must check with your insurance provider to see if they offer coverage for heli-skiing or if you need to purchase additional coverage.


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