Travel Insurance Policies
Most travel insurance policies will contain a clause in their General Exclusions section regarding ‘willful exposure to danger or peril’ (unless in an attempt to save human life). The onus is on you to exercise reasonable care to prevent illness, injury, or loss or damage to your property. In other words - you should always act as if you are not insured and not tempt fate!
When it comes to winter sports, you do not normally have automatic coverage with your travel insurance policy and will need to pay an additional premium. Most winter sports policies do not cover for anything other than normal skiing and boarding activities. Dangerous activities such as ski jumping, heli-skiing, ski acrobatics, freestyle skiing, ski racing or training, ice hockey, and bobsledding would be excluded unless pre-approved. Exclusions would also apply to offpiste skiing in areas designated as unsafe by the resort management.