Safety

Ski insurance, Carré Neige, piste rescue: who pays what when you fall

A sled rescue on piste costs between €300 and €600, a helicopter evacuation €1,500 to €4,000, and the skier gets the bill — rescue on a ski area is charged in France, unlike mountain rescue outside the area. Carré Neige, at €3 a day, covers the essentials. Here is what it covers, what it does not, and what your bank card already does.

Ski patrollers on the area
Ski patrollers on the area — photo Rémih, CC BY-SA 4.0, Wikimedia Commons

There is one thing skiers almost always discover after their first accident: the rescue bill. In France, rescue on a ski area is carried out by the resort’s patrollers and charged to the rescued skier — the law allows municipalities to charge the costs to the beneficiaries, and every resort does. Outside the area, in the mountains, State rescue is free. The boundary is the perimeter of the ski area, not the piste.

What a rescue costs

Each resort publishes its fee schedule, by zone and by means. Orders of magnitude, from last season: a sled rescue on the snow front, €100 to €200; on the rest of the area, €300 to €600; in a remote zone or off-piste reachable by the lifts, up to €800. A helicopter rescue, billed by the flight minute, €1,500 to €4,000. Then the ambulance to hospital, €200 to €500, and the treatment itself.

These are the costs of the rescue, not of the injury. A knee sprain rescued by sled and taken by ambulance costs, before any treatment, between €500 and €1,000.

Carré Neige: €3 a day

The insurance sold with the pass — Carré Neige in most French resorts, or an equivalent contract under the area’s name — costs about €3 a day per person, €15 to €20 a week. It covers:

  • rescue costs on piste and off-piste reachable by the lifts, with no real ceiling in practice;
  • transport to the nearest hospital;
  • refund of the pass and of unused lessons, pro rata, on a medical certificate;
  • often interrupted gear rental, and repatriation;
  • third-party liability if you injure someone.

It does not cover medical costs — that is social security and your top-up insurance —, nor broken or stolen gear, nor touring outside the area, nor accidents under the influence of alcohol.

For most skiers it is the right buy: €3 a day against a risk of €500 to €4,000. It is taken at the counter with the pass, or online with a pass booked ahead.

What you may already have

The bank card. Premium cards include assistance abroad and, for some, cover of mountain rescue costs — provided you paid the pass or the stay with the card. Ceilings run from €1,500 to €10,000 depending on the card, and off-piste is often excluded. It is real cover, to be checked in the conditions before giving up Carré Neige.

Home insurance or an accident policy. They cover third-party liability and sometimes disability, rarely rescue costs.

A club licence (FFS, FFCAM) includes insurance that covers rescue, including outside the area for the FFCAM — the ski tourers’ insurance.

Top-up health insurance covers treatment; some offer a winter sports option that includes rescue.

Off-piste and touring

Carré Neige covers off-piste reachable by the lifts. A skier rescued on a marked off-piste itinerary, or in a bowl next to the piste, is covered. A ski tourer who set off from the valley, rescued by the PGHM, is rescued free — except in a few départements and for certain behaviour, where rescue may be charged. For touring, the FFCAM licence or a specific insurance remains the right reflex, for repatriation and search.

The day it happens

On piste: do not move the injured person, plant crossed skis uphill, call the piste number printed on the map and the pass — or 112. The patrollers arrive by sled or snowmobile, assess, and decide the means of evacuation. You will be given a rescue form: that is what to send to the insurer, with the medical certificate and the pass. The refund of the unused pass needs the same certificate.

On our pages, each resort links to its official website, where the rescue fee schedule is published — reading it before the week takes two minutes and avoids the surprise.

Frequently asked questions

Is mountain rescue free?

Outside the ski area — touring, mountaineering — yes: rescue is provided by the State (PGHM, CRS) and is free. On the ski area, the law lets municipalities charge for rescue, and almost all do. The boundary is the perimeter of the area, not the piste.

What does Carré Neige cover?

Rescue costs on piste and off-piste reachable by the lifts, transport to hospital, refund of the unused pass and ski lessons, often interrupted gear rental and third-party liability. It does not cover the medical costs themselves — that is social security and your top-up insurance — nor touring outside the area.

Does my bank card cover skiing?

Premium cards (Visa Premier, Gold Mastercard and above) include assistance and sometimes rescue costs, provided the pass was paid with the card. Read the conditions: ceilings and exclusions vary, and off-piste is often excluded.

The resorts in this article

What this article draws on

  • French General Code of Local Authorities, article L2321-2 (rescue costs on ski areas charged to the beneficiaries by the municipalities).
  • General conditions of the Carré Neige insurance and equivalent pass insurances, 2025-2026 season; rescue fee schedules published by the resorts.