The Foreign and Commonwealth Office has warned that 31% of Brits going on winter sports holidays do so without adequate travel insurance.
Officials gave examples of potential costs from suffering an accident abroad while uninsured, ranging from £6,400 for a broken bone in France to £23,000 for a spinal fracture in South America.
The FCO also highlighted some common myths about winter sports insurance. It said that 61% of people were unaware that most policies don't cover off-piste accidents, and that it was not widely realised that the European Health Insurance Card, while covering the costs of medical treatment under the local country's health service, does not pay for repatriation costs such as an air ambulance.
Another problem highlighted by officials was holidaymakers being unaware that alcohol has a stronger effect at high altitude, such as ski resorts. They noted that most insurers will often refuse to pay out if alcohol is considered to be a contributing factor to an accident.
And one official even noted that the risks aren't confined to the slopes: icy surfaces can lead to slips and falls around resorts, especially among holidaymakers not used to such terrain.