Bills often mount before reaching a doctor. A ride on the rescue sled can cost 300. Being airlifted in Switzerland can set you back nearly 1,000. Those with annual travel insurance may not need a separate policy. Indeed, if you take more than one holiday a year, they can be good value.
Many annual policies cover ski trips, but check the limit on the number of days and trips.
Buy cover soon after booking your break one in five claims is for cancellation. Some travel agents include free policies as part of a package deal. Cover is usually adequate, but read the policy and don't expect many frills. Check for any exclusions such as off-piste skiing and snowboarding and the definition of family in family cover. Direct Travel and Primary Direct are among the insurers with the widest definition.