It might be your first holiday to the snow, it might be your 10^th, but there is always something magical about that first gleam of white in the distance. Before you even think about packing the thermals, you need to investigate your options and get your holiday insurance booked.

In fact, if you’re not a day-tripper and you’ve got bookings in place it is an absolute must to take out comprehensive holiday insurance straight away. Your insurance for holiday travel, particularly when you are travelling to alpine regions with unpredictable weather conditions, should always include cover for trip cancellation and lost deposits, piste closure, and closure due to avalanche or bad weather.

Even before you go, the unpredictable such as accident or illness can happen at home. Without holiday cancellation insurance you could easily lose your deposits or payments for that expensive chalet or holiday package, airfares, pre-booked ski equipment hire and more. Worst case scenario, you could get stuck off piste and require helicopter rescue. This costs around $16,000 and is not covered by medicare.

Protection on the Slopes

There's nothing quite like the buzz on the slopes or in the village. It's a world to its own. Stunning scenery, great camaraderie and a not always healthy does of risk thrown in all adds to making memorable holidays.

Snow sports are thrilling - and they are carried out in regions that bring with them their own challenges and risks. So to cover all these eventualities you need to go with nothing less than cover for additional cash should an incident occur, permanent disability, loss of income, personal liability - after all it might be you that catapults into another skier - and emergency rescue.

Cheap holiday travel insurance for overseas ski adventures must include critical emergency medical, hospital, dental and medical evacuations.

Different Insurance Packages - Different Prices

Depending on your unique needs, there are numerous low cost holiday insurance packages that will ensure you don't pay more than necessary. For example duo, family or group travel is cheaper than purchasing single policies.

If you get away to the snow a couple of times a year, multi-trip holiday insurance is going to be your cheapest option. Holiday insurance, Australia Only, is always going to be cheaper than oversees cover as medical, hospital and dental is already covered for Australian citizens under the Australian standard Medibank systems and/or the private fund you may belong to.

It's good to know you can buy cheap holiday insurance that still gives you top-of-the-range cover and financial protection.