Do I have to pay my medical expenses and claim on my return to the UK?
No. If you call the 24 hour emergency number on your Snowcard, Assistance International will guarantee and arrange to pay your bills for you. For smaller amounts which you have paid yourself, simply call the claims number (0345 122 3280) on your return to the UK and ask for the appropriate claim form.
Do I have to advise you every time I go on holiday for my annual cover to work?
No. You only need to call if your single trip is likely to exceed your selected trip limit or you need a higher level policy.
Covid-19 and FCDO advice
For policies issued after 6 November 2020 Snowcard provides cover for certain claims for Covid-19 as detailed on If you have a European Single Trip Policy and you are travelling against FCDO advice you will be covered for certain Covid19 risks as detailed on the above link. For worldwide travel and for annual multi trip policies, cover for Covid19 is only provided if you are travelling to a country the FCDO are advising it is safe to visit.
Can I buy top up cover for high risk sports excluded by my annual multi trip policy?
With effect from 1st September 2019 we have changed the condition that for single trip policies you must insure the full duration of the trip including travel dates. If you have a basic annual policy and only require cover for a few days of higher risk activity, you can purchase a medical and emergency expenses only policy for a short duration. If you require baggage, equipment, techno pack, cancellation, travel delay, missed departure or travel disruption insurance, you must still insure the full duration of the holiday including the travel dates because it is the travel dates that claims mainly occur on.
Can couple policy holders travelling independently of each other?
Can children travel independently on a family multi trip policy?
Children up to and including age 18 can travel independently on a family policy. Children over the age of 18 travelling independently are classified as adults and require their own policy.
Are pre existing medical conditions covered?
The policy is subject to certain health exclusions for pre existing conditions. You may call Snowcard to discuss any uncertainties or email If you or anyone you are buying insurance for has a pre existing medical condition, you must refer to the health statement (your-pre-existing-medical-conditions) to see if it is covered. Some conditions will be covered, others not. If your condition is not covered by the Snowcard policy, you can still purchase a policy which will cover any new accidents or illnesses happening on holiday. If you require cover for a pre existing medical condition that is excluded by the Snowcard policy, you must seek alternative cover with an insurer specializing in pre existing condition insurance. Please refer to the British Insurance Brokers’ Association website at: Please refer to page 13 of the policy wording for specific exclusions regarding the health of close relatives/business associates or other travel companions.
Are bikes covered for damage in transit by airlines?
Airlines have a legal responsibility for damage to any property in their care, custody and control, this includes bikes or any sports equipment you have paid to travel in the aircraft hold. If you take the optional 'equipment' section of cover you will be insured for any 'irrecoverable' expenses resulting from damage to your equipment in transit. This means that in the first instance you must seek what is known as a 'property irregularity report' or 'PIR' from the airline if your equipment or baggage is damaged and you wish to make a claim. If you are able to obtain compensation from the airline for damage to equipment you can only claim for any expenses in excess of any compensation award. If you do not obtain a PIR, you will not be able to make a claim against your travel insurance, it is a policy condition that a PIR is requested from the airline. NOTE: CHECK EQUIPMENT BEFORE LEAVING THE AIRPORT - airlines are unlikely to issue a PIR after you have left the airport and this will mean you can not claim against your insurance policy.
Am I covered in the UK with an annual multi trip policy?
Annual ‘Multi trip’ policies only cover holidays in the UK with at least one nights pre-paid accommodation.
Activities that are not covered by Snowcard
There are some activity holidays we are unable to provide cover for. These include:- Horse racing, polo and hunting. All aerial sports including paragliding, hang gliding, flying microlight aircraft, piloting any aircraft and hot air balloons. Un-guided or self organised off road motor cycle sport. Motor sport, motorised racing or time trials. Any professional competition or competing in major international events as a UK representative. Self organised mountaineering expeditions which we have not agreed in advance to cover. Exploratory expeditions that we have not agreed in advance to cover. Military exercises. Professional indemnity insurance or public liability insurance for running a business. Employers liability insurance. Public liability or third party liability for operating motorised vehicles. Any travel to the Polar regions for specialist expeditions. Any travel to the Antarctica. Transatlantic yachting expeditions or ocean crossings and global circumnavigation.


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