Standard travel insurance draws a hard line at the resort boundary. The moment you duck under the rope or skin up past the last chairlift, you're in 'unpatrolled, unmanaged terrain' — and almost every base policy treats that as an excluded activity. The insurer's logic is avalanche risk and search-and-rescue exposure, but the practical result is the same: the knee you blow in the backcountry is your knee to pay for.
Add TuGo's Sports & Activities Coverage at quote time and backcountry skiing is covered — not excluded.
Surgery + rehab can run $15,000–$30,000+ out of pocket for a non-resident in a Canadian hospital.
Even a partial burial often means trauma, hypothermia, and a helicopter evac — easily $20,000–$50,000 before you reach the hospital.
Provincial SAR is often free, but air evacuation from the backcountry is billed to you and isn't covered by provincial health plans for non-residents.
Cost figures are illustrative ranges for non-resident care in Canadian hospitals. Actual costs vary by province, facility, and treatment.
Most insurers exclude backcountry skiing. TuGo doesn't have to. Add the Sports & Activities Coverage at quote time.
Get a Quote See all covered activitiesOne night in a Canadian ICU can top $14,000 — without coverage, that's on you.
Cost reality