Most domestic health plans (like those based in the U.S.) may not cover medical expenses incurred in a foreign country.

If your gear is delayed in transit, good insurance will reimburse you for the cost of renting equipment so you don't miss a day on the snow.

Whether you're a seasoned pro or a first-timer, winter sports come with unique risks that a standard travel policy often won't cover. Here is everything you need to know about protecting your investment and yourself. 1. Medical Emergencies and Mountain Rescue