Are you planning on enjoying some fun local or overseas skiing adventure this winter? Consider taking out some travel insurance to cover you in the event of an unexpected skiing injury or accident. While it may seem overzealous to some, it’s worth considering that 2-4 of every 1,000 ski visitors experience injuries while enjoying the snowfields, and that’s just in Australia!
In this guide, we’ll help you figure out how to get the right travel insurance policy for hitting the slopes, and make sure that your insurer has included a winter sports package as part of your cover.
What’s Included in a Ski Insurance Policy?
Before you head out toeat some powder, find out what’s included in your insurance policy. Apart from what you’d normally get from a standard insurance policy (like cover for cancellations, travel delays, luggage, personal liability etc.) a winter sports package will also include emergency evacuation from the slopes in case of injury, equipment hire, medical treatment, piste closure and even bad weather cover.
- Emergency Rescue – There are quite a few risks that come with skiing, some of which may require emergency rescue that includes being ferried off with a helicopter in order to get emergency medical care. This can cost anything between $15,000 and $40,000 depending on your destination. You should make sure that you cover includes hospital care as well so that your chopper has somewhere to drop you off after it’s taken you from the site of injury.
- Medical Treatment – You’ll be covered for any medical costs associated with ski injuries
- Luggage and Equipment Hire – As you already know, it’s quite expensive to replace or repair ski equipment, which is why most insurers are willing to cover equipment that’s worth more than $700, on condition that you specify the individual items to be included in the cover. In addition to your luggage, your cover will also provide for the cost of hiring extra equipment while yours is being repaired.
- Bad Weather – While most standard policies provide cover for trip cancellation, this doesn’t include a snow sport policy. So make sure that your insurance provider will cover you for any out-of-pocket expenses you that you may incur as a result of bad skiing weather or avalanches.
- Piste Closure – Should you need to change your ski resort or your ski location due to unexpected bad weather, you’ll be compensated for the extra travel costs by your insurer.
- Ski Pack Reimbursement – You’ll also get a refund for unused prepaid passes, ski lessons, lift passes or equipment hire that you didn’t get to use due to losing the passes or experiencing unexpected illness or injury.
What’s Not Covered?
The following is not covered in most ski insurance policies:
- Travelling Out of Season – Find out which dates are covered by your insurer so that you can travel at the right time, as an out-of-season ski trip will not be covered.
- Under the Influence – If it’s found out that you incurred an injury or went through an accident while under the influence of alcohol, then you may completely forfeit the cover for that injury or accident.
- Out of Bounds – Also find out if your insurer covers off-site skiing, as most will only cover you if you stay within the resort that you’re visiting.
- High-Risk Activities – Make sure that all the activities that you have planned in your itinerary are covered by your insurer.