— Experiences · Insurance & assistance

Ski insurance and concierge in Andorra

Andorra is made for enjoying the mountains: skiing, freeride, touring and snow adventures. A reliable safety net makes them better, and that net is ski insurance. A lift pass does not always include piste rescue or medical costs, while off-piste activity must be explicitly covered. We therefore treat insurance as an essential part of the trip, not an add-on.

We have worked with the same trusted insurer for many years, so we understand the cover, the claims response and the needs of each trip. Once your stay begins, our 24/7 concierge remains available for incidents, changes and arrangements in your language.

The essentials

24/7

concierge support throughout your stay

Piste rescue

covered with medical assistance and transport

Cancellation

multi-risk travel cover for insured cancellation reasons

Off-piste

explicit freeride and touring cover with mountain rescue

What we cover

Our long-standing insurer provides the protection a mountain trip needs, from piste rescue to cancellation, and we know how that protection performs in practice.

Multi-risk travel insurance

Medical and hospital costs, cancellation for covered reasons, baggage and early return. Andorra is outside the EU and healthcare is charged, so this is a genuine safety net.

On-piste ski cover

Piste rescue, treatment after a ski accident, third-party liability and cover for hired or personal equipment—items a basic lift pass may omit.

Freeride and touring

Off-piste activity must be named in the policy. We align freeride, ski touring and mountain-rescue cover with the guided activity itself.

24/7 concierge

Agency support during the trip for delayed flights, rescheduled lessons, restaurant bookings or claims. We coordinate directly with suppliers in your language.

Andorran healthcare works differently

Andorra is outside the EU and has its own healthcare system. The European Health Insurance Card does not provide the usual protection here, and treatment or piste rescue is charged without insurance. We answer this and other border questions in our frequently asked questions; this is how we arrange the cover:

The same trusted insurer for many years, with a response we understand
Included in the trip quote alongside the hotel, passes and lessons
Matched to the real plan, whether family piste skiing, Arcalís freeride or touring
Cover for the whole group, including children and each person's activities
Practical help with the claim, clinics, ski area and suppliers if an incident occurs
One concierge contact instead of a chain of calls

Protect what you have already booked

Insurance follows the itinerary. These are the main elements we coordinate it with:

Freeride and touring

Off-piste skiing needs explicit cover arranged alongside the guided day.

Skiing in Andorra

From beginner pistes to freeride, each type of skiing needs different protection.

Ski lessons

Beginners and children particularly benefit from properly arranged assistance.

Equipment hire

Cover for hired equipment and the off-piste safety pack.

Any questions?

Frequently asked questions

The answer may already be here. If not, message us—we are local.

1. Does a ski pass include insurance?

Not always. Basic passes may exclude piste rescue and medical costs. Daily add-on insurance can also be narrower than a complete ski policy. We review the pass and policy together so no gap remains.

2. What should good Andorra ski insurance cover?

At minimum: piste rescue, medical and hospital costs in Andorra, third-party liability and equipment. Freeride or touring must be explicitly named, and cancellation is advisable for trips booked months ahead.

3. Which insurer provides the cover?

We use the same insurer we have trusted for many years. They provide the policy; we make sure it matches the trip, from a family piste day to a touring itinerary.

4. Will my annual travel insurance be enough?

Check the wording carefully. Many annual policies exclude winter sports, restrict them to marked pistes or omit mountain rescue. Send us the policy and we can review it before the trip.

5. What happens if I am injured while skiing?

The ski patrol arranges rescue and transfer to a clinic. Insurance covers eligible assistance and costs; our concierge helps with the claim and reorganises the remaining trip.

6. What does the 24/7 concierge do?

It is our support during your stay: handling a delayed flight, moving a lesson, booking a table or coordinating an insurance incident directly with suppliers.

7. Can trip cancellation be insured?

Yes. Multi-risk travel insurance can cover cancellation for the reasons stated in the policy, such as illness or certain employment circumstances.

If something goes wrong, we are already here.

Tell us the plan and group. We choose suitable cover, include it in the quote and remain on call throughout the trip.

Plan your trip