Snow excuse: Aviva claims data reveals the cost of winter sports injuries

Leading insurer, Aviva, is advising holidaymakers to stay vigilant this winter sports season, as new data highlights the potentially high medical costs they could incur if they experience an accident or injury abroad.

Suffering a broken leg continues to be the most common injury to sustain, followed by a broken arm and head injury. Despite these being the most common injuries, a pelvic injury is the most expensive at £8,453, due to the complications that can arise when treating this type of trauma.

Costs vary from country to country, with Aviva claims data revealing that Andorra and the US are jointly the most expensive countries for treatment of winter sports injuries, with the average claim being £10,648.

When compared to previous data from December 2022 – April 2023, the figures show the average winter sports claim has increased in most of the countries listed, with the exception of Bulgaria. The USA for example, has seen a 55% increase in medical assistance costs, with the average claim increasing from £6,877 to £10,648^[2] over the last few years.

Despite the high medical costs involved, more than one in ten (11%) travellers choose to never purchase travel insurance^[3].

James Devereux, Travel Manager at Aviva, comments: “November marks the start of winter sports season and it’s a time many will look forward to all-year round.

“Though exciting, winter sports trips can often come with more risk than a standard beach holiday which is why it’s important to check that you have the right level of cover for your needs. In some instances, you may need to add ‘Winter Sports Cover’ to your standard travel insurance policy. This not only provides cover while you’re taking part in winter sports activities, but it also provides additional protection against things like theft, piste closure and avalanche delay, on top of medical treatment.

“Travel insurance is there to support you in case of unexpected emergencies - whether that’s an accident on the slopes, like a fall or collision, or something that happens before you travel and disrupts your plans. While no one wants to think about the worst-case scenario, medical costs can be extremely high in some countries - such as the US - quickly reaching tens or even hundreds of thousands of pounds. By taking out travel insurance as soon as you book, it’ll help give you peace of mind - protecting both you and your belongings in the run-up to your trip.”

Aviva’s top tips for staying safe and protected during winter sports season:

1. Choose the right equipment

Ensure you're properly equipped for the slopes by wearing a helmet and using skis and boots that are suited to your height and weight. This not only helps reduce the risk of falls and injuries but also provides vital protection in the event of an accident. While borrowing gear from friends might seem convenient, it’s safer to hire properly fitted equipment once you arrive at your resort.

2. Know your limits

Stick to slopes that match your skill level - whether you're on a beginner run or tackling something more advanced. And don’t forget to check your insurance policy to make sure you're covered for all the activities you plan to do.

3. Keep connected

Make sure at least one person in your group (ideally everyone) carries a fully charged mobile phone. If someone gets separated or needs help, it’ll be easier to get in touch and respond quickly.

4. Go easy on the après-ski

Relaxing with friends and enjoying the après-ski scene is part of the fun, but be careful if you’re heading back onto the slopes. Alcohol can impair judgement and coordination, increasing the risk of accidents. Plus, being under the influence could affect your ability to make a successful insurance claim.

5. Check your insurance cover

Standard travel insurance doesn’t always include winter sports, which is why it’s important to review your policy documents.

If you're planning to ski or snowboard – or even go on a dog sled – consider taking out an optional add-on known as Winter Sports Cover, which can offer extra protection for things like illness, injury, equipment damage and piste closures. In some cases, such as off-piste skiing and snowboarding, restrictions will apply so always read your policy documents to check you have the right level of cover for your needs.

6. Contact your insurer early if something goes wrong

If you need to make a claim or are asked to pay for treatment upfront, get in touch with your insurer as soon as possible. It’s a good idea to keep their contact details easily accessible, as they may be able to arrange and cover medical expenses on your behalf, helping you avoid any unexpected costs.

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References:

^1. _{Aviva data taken from winter sports season from December 2024 – April 2025. [↑]}

^2. _{Statistic found by comparing the data taken from winter sports season from December 2024- April 2025 to December 2022 – April 2023. [↑]}

^3. _{Research conducted by Censuswide between 8 and 15 November 2024, via a survey of 4,000 nationally representative respondents across the UK (aged 16+). [↑]}

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