{"id":97615,"date":"2019-12-13T15:43:05","date_gmt":"2019-12-13T14:43:05","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/?page_id=97615"},"modified":"2026-04-20T12:26:19","modified_gmt":"2026-04-20T10:26:19","slug":"ski","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-voyage\/ski","title":{"rendered":"Assurance ski : quelles garanties choisir en 2026 ?"},"content":{"rendered":"\n<p>La derni\u00e8re saison a compt\u00e9 pr\u00e8s de 136 700 bless\u00e9s sur les pistes fran\u00e7aises, soit un bless\u00e9 toutes les quatre minutes. Avant de chausser vos skis, la question de l&rsquo;<a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-voyage\">assurance voyage<\/a> m\u00e9rite donc d&rsquo;\u00eatre abord\u00e9e afin d&rsquo;\u00e9viter d&rsquo;avoir \u00e0 r\u00e9gler des frais parfois tr\u00e8s on\u00e9reux. On a compar\u00e9 les offres pour vous !<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Ce qu&rsquo;il faut retenir :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;assurance ski n&rsquo;est pas obligatoire en France, mais la responsabilit\u00e9 civile (RC) est quasi indispensable.<\/li>\n\n\n\n<li>Une assurance d\u00e9di\u00e9e reste recommand\u00e9e.<\/li>\n\n\n\n<li>Les tarifs d\u00e9marrent \u00e0 3 \u20ac par jour pour une couverture de base, jusqu&rsquo;\u00e0 52 \u20ac par an pour une formule tout risque.<\/li>\n\n\n\n<li>Votre carte bancaire premium <strong>ne couvre pas toujours<\/strong> le hors-piste ni les frais de rapatriement au-del\u00e0 du domaine balis\u00e9.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">L&rsquo;assurance ski est-elle obligatoire en France ?<\/h2>\n\n\n\n<p>Aucune loi fran\u00e7aise n&rsquo;impose de souscrire une assurance sp\u00e9cifique pour skier. Ainsi, la pratique du ski sur domaine balis\u00e9 est libre d&rsquo;acc\u00e8s sans contrat d&rsquo;assurance d\u00e9di\u00e9. <\/p>\n\n\n\n<p>Cela dit, les<a href=\"https:\/\/www.esf.net\/a-propos\/actualites\/dix-regles-securite\/\" target=\"_blank\" rel=\"noreferrer noopener\"> r\u00e8gles FIS (F\u00e9d\u00e9ration Internationale de Ski)<\/a> font du skieur amont responsable des accidents qu&rsquo;il cause. Une <strong>responsabilit\u00e9 civile<\/strong> devient donc moralement et financi\u00e8rement indispensable d\u00e8s lors qu&rsquo;une collision peut engager des milliers d&rsquo;euros de dommages corporels.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><p>\u2139\ufe0f Attention : Carr\u00e9 Neige n&rsquo;est pas obligatoire malgr\u00e9 ce que laisse parfois entendre le guichet de la station. Il s&rsquo;agit d&rsquo;un service optionnel propos\u00e9 \u00e0 l&rsquo;achat du forfait.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Combien co\u00fbte une assurance ski en 2026 ?<\/h2>\n\n\n\n<p>Le prix d&rsquo;une assurance ski d\u00e9pend de l&rsquo;assureur, mais aussi du mode de souscription. En effet, vous avez le choix entre souscrire une assurance ski<strong> \u00e0 l&rsquo;ann\u00e9e ou \u00e0 la journ\u00e9e<\/strong>. <\/p>\n\n\n\n<p>Comptez <strong>2,75 \u20ac\/jour<\/strong> pour une assurance ski \u00e0 la journ\u00e9e et environ <strong>50 \u20ac \u00e0 l&rsquo;ann\u00e9e <\/strong>avec notre partenaire Assurski. Ainsi, un s\u00e9jour de deux semaines au ski vous co\u00fbtera 38,5 \u20ac du c\u00f4t\u00e9 de l&rsquo;assurance.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-check without-background\"><p> \u2b50\ufe0f <a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/partenaire\/ski\/assurmix\/assurski\">Pour obtenir un devis, c&rsquo;est par ici !<\/a><\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Assurance station ou assurance ski : laquelle choisir ?<\/h2>\n\n\n\n<p>En g\u00e9n\u00e9ral, il est possible de souscrire une assurance directement aux guichets des stations de ski. C&rsquo;est notamment le cas de Carr\u00e9 Neige qui est s\u00fbrement l&rsquo;assurance ski station la plus connue. <\/p>\n\n\n\n<p>Pour vous, on a compar\u00e9 l&rsquo;assurance propos\u00e9e par les stations et celles qu&rsquo;on peut trouver en ligne : <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Carr\u00e9 Neige (station)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Assurance voyage ski d\u00e9di\u00e9e<\/th><\/tr><\/thead><tbody><tr><td>Tarif journalier<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,50 \u20ac\/j<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,75 \u20ac\/jour<\/td><\/tr><tr><td>Plafond au global<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">211 500 \u20ac<\/td><\/tr><tr><td>Formule familiale possible<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2714\ufe0f<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2714\ufe0f<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Frais de secours en montagne : qui paie ?<\/h2>\n\n\n\n<p>Bien que ce soit une situation qu&rsquo;on n&rsquo;a jamais envie de vivre, mieux vaut \u00eatre prot\u00e9g\u00e9 si vous avez besoin de secours en haute-montagne. <\/p>\n\n\n\n<p>Le cadre l\u00e9gal fran\u00e7ais est complexe : l&rsquo;<a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000028534365\" target=\"_blank\" rel=\"noreferrer noopener\">article L.2331-4 du Code g\u00e9n\u00e9ral des collectivit\u00e9s territoriales <\/a>autorise les communes \u00e0 <strong>facturer les secours sur pistes de ski alpin et nordique<\/strong>, \u00e0 condition de l&rsquo;avoir pr\u00e9vu par arr\u00eat\u00e9 municipal affich\u00e9 en mairie. <\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Quelques exemples de co\u00fbts : <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Secours sur piste balis\u00e9e (pisteurs, tra\u00eeneau) : 250 \u2013 500 \u20ac<\/li>\n\n\n\n<li>Secours en hors-piste accessible depuis remont\u00e9es : 630 \u2013 800 \u20ac<\/li>\n\n\n\n<li>H\u00e9litreuillage (hors domaine, SDIS) : en principe gratuit<\/li>\n\n\n\n<li>H\u00e9licopt\u00e8re priv\u00e9 d&rsquo;\u00e9vacuation : 1 000 \u2013 4 000 \u20ac\/h<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Assurance ski hors-piste et freeride : que faut-il savoir ?<\/h2>\n\n\n\n<p>Il existe trois zones aux r\u00e9gimes assurantiels tr\u00e8s diff\u00e9rents : la piste balis\u00e9e et entretenue (domaine de la station), le <strong>hors-piste accessible depuis les remont\u00e9es<\/strong> mais non balis\u00e9 (zone grise), et le <strong>hors domaine skiable<\/strong> (randonn\u00e9e, couloirs engag\u00e9s, glaciers). <\/p>\n\n\n\n<p>La plupart des<a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-voyage\/carte-bancaire\"> assurances <strong>cartes bancaires premium<\/strong><\/a> couvrent les accidents sur piste balis\u00e9e mais <strong>excluent explicitement le hors-piste<\/strong> dans leurs conditions g\u00e9n\u00e9rales. Une mention \u00ab\u00a0pratique du ski\u00a0\u00bb ou \u00ab\u00a0sports de glisse\u00a0\u00bb ne suffit pas : v\u00e9rifiez la clause \u00ab\u00a0hors des pistes balis\u00e9es\u00a0\u00bb.<\/p>\n\n\n\n<p>Au moment d&rsquo;\u00e9valuer la <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-voyage\/couverture\">couverture d&rsquo;une assurance multirisque voyage<\/a>, on vous conseille de toujours lire la clause <strong>\u00ab\u00a0sports \u00e0 risque\u00a0\u00bb<\/strong> et v\u00e9rifier si le freeride et la randonn\u00e9e \u00e0 ski sont inclus ou en option.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><p>\ud83d\udca1La loi Montagne 2 de 2016 a renforc\u00e9 les obligations de signalisation des zones hors-piste par les stations, sans pour autant cr\u00e9er une obligation d&rsquo;assurance sp\u00e9cifique. <\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Assurance ski : \u00eates-vous d\u00e9j\u00e0 couvert ?<\/h2>\n\n\n\n<p>Plusieurs contrats que vous poss\u00e9dez peut-\u00eatre d\u00e9j\u00e0 couvrent partiellement les accidents de ski :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>Votre <strong>assurance habitation (MRH)<\/strong> inclut g\u00e9n\u00e9ralement une garantie responsabilit\u00e9 civile vie priv\u00e9e, qui couvre les dommages caus\u00e9s \u00e0 des tiers sur les pistes, mais pas les frais de secours ni vos propres blessures. <\/li>\n\n\n\n<li>Votre <strong>mutuelle sant\u00e9<\/strong> rembourse les soins m\u00e9dicaux selon votre contrat, mais rarement les frais de secours et jamais le rapatriement. <\/li>\n\n\n\n<li>La <strong>Garantie Accidents de la Vie (GAV)<\/strong> indemnise les s\u00e9quelles d&rsquo;un accident corporel grave (invalidit\u00e9), sans couvrir les frais de secours. <\/li>\n\n\n\n<li>La <strong>Carte europ\u00e9enne d&rsquo;assurance maladie (CEAM)<\/strong> permet une assistance et un acc\u00e8s aux soins publics aux tarifs locaux dans l&rsquo;UE, mais n&rsquo;est d&rsquo;aucun secours en Suisse, en Andorre ou pour les frais de secours en montagne.<\/li>\n<\/ul>\n\n\n\n<p>Concernant les <strong>cartes bancaires<\/strong>, voici les protections habituelles :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Carte<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais m\u00e9dicaux<\/th><th class=\"has-text-align-center\" data-align=\"center\">Secours montagne<\/th><th class=\"has-text-align-center\" data-align=\"center\">Hors-piste<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dur\u00e9e validit\u00e9<\/th><\/tr><\/thead><tbody><tr><td>Visa Classique<\/td><td class=\"has-text-align-center\" data-align=\"center\"> Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\"> Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2014<\/td><\/tr><tr><td>Visa Premier<\/td><td class=\"has-text-align-center\" data-align=\"center\">Partiel<\/td><td class=\"has-text-align-center\" data-align=\"center\">Limit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">60 jours<\/td><\/tr><tr><td>Visa Infinite<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Variable<\/td><td class=\"has-text-align-center\" data-align=\"center\">90 jours<\/td><\/tr><tr><td>Mastercard Classique<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2014<\/td><\/tr><tr><td>Mastercard Gold<\/td><td class=\"has-text-align-center\" data-align=\"center\"> Partiel<\/td><td class=\"has-text-align-center\" data-align=\"center\">Limit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">90 jours<\/td><\/tr><tr><td>World Elite Mastercard<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Variable<\/td><td class=\"has-text-align-center\" data-align=\"center\">180 jours<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Quelle assurance ski pour une famille avec enfants ?<\/h2>\n\n\n\n<p>L&rsquo;assurance scolaire de votre enfant couvre g\u00e9n\u00e9ralement les accidents corporels survenus dans le cadre d&rsquo;activit\u00e9s scolaires, y compris les sorties ski organis\u00e9es par l&rsquo;\u00e9cole.<\/p>\n\n\n\n<p>Cependant, pour des vacances au ski en famille, il faudra souscrire une assurance sp\u00e9cifique ou bien un <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-voyage\/famille\">contrat d&rsquo;assurance voyage famille<\/a> afin que vos enfants soient couverts lors de leurs activit\u00e9s. Ce dernier type d&rsquo;assurance a d&rsquo;ailleurs l&rsquo;avantage d&rsquo;inclure une garantie annulation (incluant cours r\u00e9serv\u00e9s, location de mat\u00e9riel, h\u00e9bergement etc.)<\/p>\n\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Assurance de voyage\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            les meilleures offres 2026\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-voyage\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Comparer\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                Nos assurances voyage\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">FAQ : Assurance ski<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1776680075623\"><h3 class=\"schema-faq-question my-0 font-semibold\">L&rsquo;assurance ski est-elle obligatoire ?<\/h3> <p class=\"schema-faq-answer\">Non. Aucune loi fran\u00e7aise ne l&rsquo;impose. La responsabilit\u00e9 civile est cependant fortement conseill\u00e9e pour couvrir les dommages caus\u00e9s \u00e0 des tiers en cas de collision sur les pistes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776680081763\"><h3 class=\"schema-faq-question my-0 font-semibold\">Est-il utile de prendre une assurance ski ?<\/h3> <p class=\"schema-faq-answer\">Oui, d\u00e8s lors que votre mutuelle, votre MRH ou votre carte bancaire ne couvrent pas les frais de secours montagne pouvant atteindre 4 000 \u20ac pour un h\u00e9licopt\u00e8re. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776680109881\"><h3 class=\"schema-faq-question my-0 font-semibold\">Quelle assurance prendre pour le ski ?<\/h3> <p class=\"schema-faq-answer\">Pour un skieur occasionnel en station fran\u00e7aise : optez pour la formule journ\u00e9e de notre partenaire Assurski. Sinon, pensez \u00e0 une formule annuelle ou m\u00eame \u00e0 une assurance voyage avec couverture \u00ab\u00a0sports \u00e0 risques\u00a0\u00bb.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776680180736\"><h3 class=\"schema-faq-question my-0 font-semibold\">Est-ce que mon assurance carte bancaire couvre les frais de ski ?<\/h3> <p class=\"schema-faq-answer\">Partiellement. Visa Premier et Mastercard Gold couvrent les accidents sur piste balis\u00e9e, mais excluent g\u00e9n\u00e9ralement le hors-piste et les frais de secours \u00e9lev\u00e9s. Les cartes Visa Infinite et World Elite Mastercard offrent une couverture plus compl\u00e8te, mais v\u00e9rifiez toujours les conditions g\u00e9n\u00e9rales.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776680246003\"><h3 class=\"schema-faq-question my-0 font-semibold\">Qui paie les frais de secours en hors-piste ?<\/h3> <p class=\"schema-faq-answer\">Si vous avez une assurance adapt\u00e9e, votre assureur. Sinon, selon la zone : la commune peut facturer les secours sur piste (article L.2331-4 CGCT), tandis que les secours hors domaine skiable sont en principe pris en charge par le SDIS (gratuit).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776680262920\"><h3 class=\"schema-faq-question my-0 font-semibold\">Les secours sur piste sont-ils gratuits ?<\/h3> <p class=\"schema-faq-answer\">Pas toujours. Certaines communes les facturent entre 250 et 500 \u20ac par arr\u00eat\u00e9 municipal. D&rsquo;autres ne le font pas. Il est indispensable de v\u00e9rifier aupr\u00e8s de la mairie de la station avant votre d\u00e9part.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>La derni\u00e8re saison a compt\u00e9 pr\u00e8s de 136 700 bless\u00e9s sur les pistes fran\u00e7aises, soit un bless\u00e9 toutes les quatre minutes. Avant de chausser vos skis, la question de l&rsquo;assurance voyage m\u00e9rite donc d&rsquo;\u00eatre abord\u00e9e afin d&rsquo;\u00e9viter d&rsquo;avoir \u00e0 r\u00e9gler des frais parfois tr\u00e8s on\u00e9reux. On a compar\u00e9 les offres pour vous ! L&rsquo;assurance ski\u2026<\/p>\n","protected":false},"author":86,"featured_media":205740,"parent":36149,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[726],"class_list":["post-97615","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assurance ski 2026 : comparatif, prix et garanties | R\u00e9assurez-moi<\/title>\n<meta name=\"description\" content=\"Comparez les meilleures assurances. Assurance ski d\u00e8s 2,75 \u20ac\/jour, garanties hors-piste, frais de secours et h\u00e9licopt\u00e8re. 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