Single trip short stay activities

ClimbingTrek/Climb

  • Rambler: this is the lowest level for easy walks on marked trails in non mountainous regions.
  • Hill walker: use this level for alpine walking including hut to hut tours, e.g.; Tour de Mont Blanc. Typically you will be walking at low altitudes below 3500m in summer conditions (i.e., no snow or ice involved).
  • Orienteering: organised amateur orienteering competitions.
  • Via ferrata: (Italian for ‘iron way’) is for using fixed wire routes typically found in the Dolomites and other parts of the European Alps.
  • Sport climber: is for single and multi pitch (including leader placed protection) bolted climbing including graded scrambling and bouldering.
  • Snow shoeing: winter walking using snow shoes on marked alpine resort tracks and trails. For technical winter hill walking, use the Trekker option.
  • Trekker: this level is for high altitude or winter hill walking (between 3500m-6000m) and includes treks in the greater ranges of the Himalaya (e.g. Everest Base Camp) and South America (Inca Trail etc.) but also includes Kilimanjaro and high European treks like the Haute Route where glacial crossings or winter conditions necessitating crampons/safety ropes are involved – if you are climbing alpine peaks (e.g. Mont Blanc or technical alpine style 4000m ascents) you must use the Alpinist option.
  • Big walls: is for multi pitch big wall ascents.
  • Trekking peaks upto 6500m: trekking and climbing listed trekking peaks of the Himalaya typically below 6500m (e.g. Mera and Island Peaks).
  • Alpinist: is for alpine style mountaineering ascents in glacial, snow and ice conditions upto 7000m. Includes Mont Blanc and European 4000m alpine style ascents.
  • Ice climbing: multi pitch ascents of frozen waterfalls, ice walls etc.
  • Multisport – Bike and Climb: if you are mountain biking and sport climbing, use this option. For other multi sport options, contact
  • Multisport – Kayak and Climb: if you are kayaking and sport climbing, use this option. For other multi sport options, contact
  • Mountain marathons: amateur competitions trail running in mountainous terrain.
  • Guiding and instructing: working as a guide or instructor. Note cover does not include professional liability for the advice you give, only your own personal emergency expenses.
  • Expedition: is for mountaineering below 7500m in the remote Himalaya/Asia, South America (including Aconcagua), Greenland, Alaska (Denali) – expedition cover is subject to written details of the trip being agreed in advance by Snowcard. Details should be emailed to – note we do not normally quote for expeditions above 7500m.

You are automatically covered for any Trek/climb style below the option you take.

ClimbingKayak/Canoe

  • Flat water: on lakes or ungraded rivers
  • Canadian canoe
  • White water rafting
  • Sea kayaker
  • River wilderness expeditions
  • White water kayaking
  • Multi sport kayaking and climbing: if you are kayaking and sport climbing, use this option. For other multi sport options, contact
  • Multi sport kayaking and biking: if you are kayaking and mountain biking use this option. For other multi sport options, contact
  • Watersports guiding and instructing: working as a guide or instructor. Note cover does not include professional liability for the advice you give, only your own personal emergency expenses.

ClimbingSki/Board

  • Nordic XC (cross country): covers what is often termed ‘langlauf’ or ‘nordic’ skiing on marked tracks and trails.
  • Dog Sledging: organised recreational holiday use of dog drawn sledges.
  • Piste/Slack Country: refers to the most usual form of alpine or downhill skiing and snowboarding using the runs prepared as pistes and shown on a typical resort lift map. Slack Country is the term for unpisted runs shown on your resort map including unpisted links between runs. Slack Country runs are patrolled and are freely available to all skiers and boarders.
  • Pipe and Park: refers to fun parks that feature in most resorts these days for freestyle skiers and boarders using half pipes, jumps, rails and skier cross tracks. If you take a Pipe and Park policy you are also covered for Piste/Slack Country skiing and boarding.
  • Lift Served Freeride: is for skiers or boarders accessing runs that do not form part of a resorts marked pistes away from the crowds. Runs are accessible via lifts but may entail a short hike or walk to access the start of the run. An example may be the Vallee Blanche in Chamonix.
  • Back Country Touring: covers remote ski touring using skins, often taking in overnight stays in mountain huts or travelling between resorts.
  • Heli and Snow Cat skiing or boarding: is accessing remote off piste runs via helicopter or snowcat/skidoo.
  • Ski Mountaineering: is the combination of alpine mountaineering taking in ascents of peaks with skiing and ski touring. The higher rated policies automatically cover the lesser rated styles of skiing or boarding.
  • Ski instructing and guiding: working as a guide or instructor. Note cover does not include professional liability for the advice you give, only your own personal emergency expenses.
  • Race and race training: amateur competitive skiing but not for full time members of national senior squads or competition at major international events.
  • Cresta: including amateur competition
  • Expedition: if your skiing activity involves travel to remote worldwide destinations, including polar regions or for exploratory or expeditionary travel, full details must be provided to Snowcard before attempting to purchase insurance.

You are automatically covered for any ski style below the option you take.

ClimbingScuba

  • Open water 20m
  • Advanced open water 40m: includes open water
  • Advanced tri mix 40m: includes open water and advanced
  • Cave diver 40m: includes open water, advanced and advanced tri mix
  • Expert diver unlimited depth: all scuba styles
  • Diving instructors and guides: working as a guide or instructor. Note cover does not include professional liability for the advice you give, only your own personal emergency expenses.

ClimbingBike

  • Road tourer: non competitive cycle touring holidays
  • MTB tracks and trails:mountain bike riding on off road tracks or trails
    – e.g. unmade up roads, paths, bridleways etc.
  • Road racer: amateur competitive or timed road events such as Etape du Tour, Cyclosportive events, Marmotte etc.
  • MTB High altitude trails: e.g. guided cycle treks over high passes in the Himalaya
  • Triathlete: amateur competitions involving swimming, cycling and running.
  • MTB tracks and trails competitions: amateur off road mountain bike events
    – e.g. Pass’portes du Soleil timed trail rides.
  • MTB downhiller: non competitive off road mountain bike riding
    – e.g. ski resort runs where riding is not on established tracks or paths.
  • Multi sport bike and climbing: covers multi sport holidays but not for racing or competition.
  • MTB downhiller competition: amateur competitive down hill events e.g. Megavalanche.
  • Bike guides and instructors: for persons working as a guide or instructor. Note cover does not include professional liability for the advice you give, only your own personal emergency expenses.

SailingLeisure activities

  • City break
  • Sun and Sand: includes cruises.
  • GolfSafari
  • Backpacker
  • Horse riding: excluding hunting, polo and competitive riding.
  • Road running: including amateur competition.
  • Surf and sail
  • Flotilla
  • Water skiing and wake boarding
  • Swimming treks
  • Off shore sailing: within 60 miles of a safe haven only.
  • Kite surfer
  • Motor cycle touring: on roads.
  • Motor cycle treks: at altitude or on tracks.
  • Miscellaneous non contact sports: please provide Snowcard with details of your sport before using this option.
  • Amateur watersports competition: sailing regattas.
  • Marathon running: amateur events only.
  • Low risk caving: holiday pot holing and caving (e.g. in previously explored systems where there is an organised local cave rescue service).
  • Mid risk caving: exploratory pot holing and caving including cave diving (where there is an organised local cave rescue service).
  • High risk caving: exploratory pot holing and caving in remote areas (where any rescue would be self organised by expedition members).

Regardless of the activity you select all policies cover the following:

  • £10 million: Emergency medical and other expenses cover
  • Including repatriation to the United Kingdom
  • Up to £500: Physiotherapy and dental treatment cover
  • Up to £250: Early return home benefit
  • Up to £250: Car hire return benefit
  • Up to £100,000: Search & Rescue expenses
  • Up to £300: Ski/Dive/Golf/ activity Pack
  • Up to £1000: Hospital benefit
  • Up to £25,000: Personal Accident cover
  • Up to £2 million: Personal Liability cover

Policy wording

For policies issued after 1 November 2013 please
refer to the latest Policy wording:

Travel insurance guide and policy wording

policy-wording.pdf [4Mb]

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