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Season 2026/2027

Ski insurance in Poland and abroad

Which insurance covers skiing depends on where you live. If you come to Poland to ski, for example in Zakopane, Szczyrk or Karpacz, you need Go Safe with a surcharge for high-risk sports. If you live in Poland and ski abroad, Travel World covers skiing and snowboarding with no surcharge from the VIP plan upwards.

Skiing in Poland Skiing abroad

You live outside Poland

Skiing in Poland: Go Safe with the sports surcharge

Go Safe covers skiing and snowboarding only if you buy it with the surcharge for high-risk sports. In the purchase form you tick “Uprawianie sportów wysokiego ryzyka” (high-risk sports). Without it, an accident on the slope is not covered.

  • High-risk sports surcharge

    Skiing, snowboarding, horse riding, scuba diving, rafting, martial arts, quad biking, kitesurfing, windsurfing, surfing, water skiing, jet skiing, paintball (General Terms § 2 pt 26).

  • Extreme sports surcharge

    Ski jumping, mogul skiing, acrobatic ski jumps, snow and ice vehicles, climbing, mountain biking, air sports and more (General Terms § 2 pt 24).

  • Optional modules

    Sports equipment up to EUR 1,000 and third-party liability up to EUR 50,000 for personal injury, each for an extra premium.

Mountain rescue

In the Polish mountains, you do not pay to be rescued: TOPR (Tatras) and GOPR (other mountains) are financed from the state budget. Emergency numbers: 985 or +48 601 100 300, and 112. On the Slovak side of the Tatras the rescued person pays the Slovak mountain rescue service (HZS). Go Safe covers rescue costs up to EUR 5,000.

Buy Go Safe Go Safe plans and exclusions

You live in Poland

Skiing abroad: Travel World from the VIP plan

In Travel World, skiing and snowboarding on marked runs are included with no surcharge in the VIP, VIP Plus and The Best plans, together with the Sport Package. Standard and Standard Plus do not cover winter sports at all. Travel World does not cover Poland or your country of citizenship.

  • Medical costs and rescue

    Medical costs from EUR 300,000. Rescue, including transport by sledge, toboggan or helicopter, is covered within the medical sum insured.

  • Transport to Poland, no limit

    Transport back to Poland after an accident does not reduce the medical sum insured. After you return: treatment in Poland after the accident up to PLN 10,000.

  • Liability on the slope

    If you hit another skier: personal injury up to EUR 75,000 in VIP and EUR 200,000 in VIP Plus; property damage up to EUR 15,000 and EUR 40,000.

  • Sports equipment up to EUR 1,000

    Skis, board, boots, helmet: against robbery, burglary, a transport accident and unforeseen events, including avalanches.

  • Ski pass and rental

    Refund for full unused days of your ski pass, up to EUR 300, and of rented equipment, EUR 25 per day (max. 10 days), if you fall ill or have an accident.

  • Closed runs

    EUR 25 per day (max. 10 days) when the runs within 30 km of your accommodation are closed because of a lack of snow, from 15 December to 30 March.

Buy Travel World Travel World plans and exclusions

When the insurance does not cover a ski accident

  • Go Safe without the high-risk sports surcharge.
  • Travel World in the Standard or Standard Plus plan.
  • Off-piste skiing, heli-skiing, moguls and acrobatic jumps without the extension for extreme sports.
  • Competitions and club training without the extension for competitive sports.
  • In Travel World: if, after a collision, you sign a statement waiving your claims against the other skier, the insurer may refuse to pay or ask for the money back.

Questions before your ski trip

Does Go Safe cover skiing in Poland?

Only with the surcharge for high-risk sports, which you tick in the purchase form. The Go Safe General Terms list skiing and snowboarding as high-risk sports (§ 2 pt 26); without the surcharge an accident on the slope is not covered.

Do I have to pay for mountain rescue in the Polish mountains?

No. Mountain rescue in Poland (TOPR in the Tatras, GOPR in other mountains) is financed from the state budget and the rescued person does not pay for it. On the Slovak side of the Tatras the rescued person pays the costs of the Slovak mountain rescue service (HZS); Go Safe covers rescue costs up to EUR 5,000.

I live in Poland. Does Travel World cover skiing in the Alps?

Yes, in the VIP, VIP Plus and The Best plans, with no surcharge. Standard and Standard Plus do not cover winter sports at all.

Is off-piste skiing covered?

Only with the extension for extreme sports. In Travel World, off-piste skiing and snowboarding, heli-skiing, moguls and acrobatic jumps are extreme sports; the extension is available from the VIP plan. In Go Safe, ski jumping, mogul skiing and acrobatic ski jumps are extreme sports (§ 2 pt 24).

What if there is no snow?

In Travel World, from the VIP plan, the Sport Package pays EUR 25 for each day when the runs within 30 km of your accommodation are closed because of a lack of snow, for up to 10 days, between 15 December and 30 March.

Do I need liability insurance to ski in Italy?

Yes. In Italy, anyone skiing on downhill runs must have third-party liability insurance, and since August 2025 helmets have also been compulsory for adults. The Italian rules do not require an Italian insurer. In Travel World VIP, VIP Plus and The Best the liability cover includes amateur skiing and snowboarding. Carry your policy with you, on your phone or printed.

Sources: General Terms of Go Safe (OWU/02/99491/2015/M) and of Travel World (OWU/02/1753471/2026/M); Polish Act on safety and rescue in the mountains (Article 17); Slovak act 544/2002 on mountain rescue (§ 11).