Single Trip Vs Multiple Trip Ski Insurance

Going away on holiday or a short break? No one wants the unexpected to happen when they go abroad, but unfortunately there is no such thing as a totally risk-free winter sports holiday. Last year, there were more than 400,000 travel insurance claims by holiday and business travelers, according to the Association of British Insurers.

Ski travel insurance and snowboarding insurance is not so much an optional extra as an
integral part of any winter sports break. Our specialist winter sport ski travel insurance and snowboarding insurance policies cover the obvious problems, such as an accident or an illness, a stolen wallet or purse. Our insurance also provides cover for all your ski and snowboarding equipment.

Ski Travel Insurance also provide compensation for delays and cancellation, for damaged or lost luggage, and even a telephone help line for emergencies. Off piste ski and snowboarding is covered with our ski travel insurance and snowboarding insurance policies.

Planning more than one trip away?
The advantage of a multi trip travel insurance policy is that there is no need to worry about arranging cover for each journey you take and it’s usually better value than buying individual policies for two or three trips a year. A multi-trip travel insurance policy allows you to travel as many times in the year as long as each trip is not longer than 45 days. Up to 17 days ski insurance and snowboarding insurance is included free with most annual travel policies. However, if you’re going to be skiing or snowboarding for more than 17 days, you can either purchase a single trip or long-stay ski insurance and snowboarding insurance policy for each trip.

All winter sport activities can be covered, even heli – skiing / boarding. This is the home of the ski insurance and snowboarding insurance specialist. Multi trip travel insurance and ski insurance and snowboarding insurance is also backed by the largest insurance carriers. Multi trip travel insurance including ski insurance and snowboarding insurance is an even better deal for families. Insurance for a couple will be cheaper than for two single adults and cover for a family with children under 18 is not usually much more expensive than cover for a couple. Do watch, though, for restrictions on how the cover works.

Some family travel policies only cover the family if everyone travels together. The best policies will cover each adult travelling on his or her own, and even unaccompanied trips by the children.

What type of policy is best? 
The simplest way to buy ski travel insurance and snowboarding insurance might seem to be through a travel agent or tour operator. Sometimes, these policies are free, but where they are not free they can be expensive. Travel agents are no longer allowed to insist that holiday makers book ski travel insurance and snowboarding insurance through them and it’s almost always possible to find a better deal by shopping around.

The traditional way to buy ski travel insurance and snowboarding insurance is to take out cover for each trip and this is usually how tour operators sell their cover. If you only make one or possibly two trips abroad a year, this might be the best option. A growing number of travelers, however, are opting for annual travel insurance that include ski travel insurance and snowboarding insurance cover. An annual travel insurance policy may provide up to 17 days ski insurance and snowboarding insurance cover at no extra cost.

 

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Backpackers and Adventure Travel Insurance

Backpackers Travel Insurance
For many people, especially students, backpacking is the only way to travel. It gives you the chance to really experience the culture of the countries you visit, whether it’s the US, Mexico, Canada, South America, Europe, Australia, Asia or the rest of the world. So make sure you’re covered with backpackers travel insurance. Understandably, when planning a backpacking adventure, the first thing most travelers do is think about where they want to go. But arranging decent backpackers travel insurance is also crucial. Why? Think about what can happen while you’re abroad. Hopefully it’ll be an adventure, but you’ll be visiting strange places where you may not even speak the language.

If you have the right backpackers travel insurance, you’ll be confident of knowing that should you fall ill or have an accident you’ll be able to get the necessary medical treatment you need. Not every country has a free health service and you could find yourself facing a hefty medical bill if you fall ill abroad without backpackers travel insurance. There’s also the risk of losing your personal possessions or having them stolen. Insurance will allow you to replace them or will ensure that a loss doesn’t become a financial crisis too.

We offer all-inclusive backpackers travel insurance, trip cancellation insurance and holiday insurance. Other features include temporary car insurance, health insurance, medical insurance and prescription services. Backpackers travel insurance and holiday insurance is good for all backpackers and people backpacking around the world, whether you have taken a gapyear and taking time out from your business or just a holiday, vacations, working abroad or studying abroad as a student.

Adventure Travel Insurance

For many people, especially students, adventure travel is the only way to explore. If you have the right adventure travel insurance, you’ll be confident of knowing that should you fall ill or have an accident you’ll be able to get the necessary medical treatment you need. Adventure travel insurance and holiday insurance is good for all adventure travel and people exploring around the world, whether you have taken a gapyear and taking time out from your business or just a holiday, vacations, working abroad or studying abroad as a student. Adventure travel insurance can also be bought online worldwide – International Adventure Travel Insurance Policies, International Travel Protection as well as International Medical Insurance, Emergency Evacuation and Travel Protection Plans.

Insure yourself against accident, sickness, lost luggage, trip cancellation, and baggage loss. Coverage is available worldwide, and the cover is second to none. Adventure travelers can also get an international assistance card, which doubles up as an international phone card if required. Backpackers can also receive a card that will provide them with discounts in hostels and adventure sports around the world.

Insure yourself against accident, sickness, lost luggage, trip cancellation, and baggage loss. We provide backpacking and adventure travel insurance for the world. Insurance can be bought online worldwide – International Backpackers Travel Insurance Policies, International Travel Protection as well as International Medical Insurance, Emergency Evacuation and Travel Protection Plans.

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Ski Travel Insurance Policy Coverage

Do you race, train or compete on the snow? All skiers and snowboarders need insurance. Simple but it’s amazing how many people don’t get the correct level of coverage for the activities they are undertaking. If you’re unlucky enough to have an accident, lose or damage expensive equipment, fall ill or cause injury to others and do not have insurance, you may potentially be faced with massive bills that you’ll be responsible for paying. So, keep it easy and get covered.

However, if you ski/ride competitively and/or participate at organized training camps anywhere you’ll need to get a specialist policy. This is because the risks are obviously much greater and therefore you won’t be covered by a standard winter sports policy. These policies are only available through specialist insurance carriers. For the recreational competitor, standard policies will cover you for fun races and events if you want to try one on holiday.

You can get insurance that covers skiing, snowboarding, snowskating, snowblading,
telemark, snowmobiling, toboganning, cross country skiing, monoskiing, ice skating, and recreational racing. We also cover off piste skiing and snowboarding with or without a guide except where it is undertaken in designated unsafe areas or outside ski area boundaries. They range all over, but here is what a typical policy coverage might look like:


Wintersports Policy
Single Trip Annual
Multi Trip
Long Stay Backpacking
Adventure
Emergency Medical $5,000,000 $5,000,000 $3,000,000 $3,000,000
Rescue & Repatriation $5,000,000 $5,000,000 $3,000,000 $3,000,000
Cancellation or Curtailment $3000 $3,000 $2,000 $2,000
Holiday Abandonment $3000 $3,000 $2,000 $2,000
Personal Accident $20,000 $20,000 $10,000 $15,000
Wintersports Equipment $500 $500 Nil $500
Ski Pack $300 $300 Nil $300
Piste Closure $20 per day up to $200 $20 per day up to $200 Nil $20 per day up to$200
Avalanche $250 $250 Nil $250
Ski Hire $200 $200 Nil $200
Student Loan Repayment Nil Nil Nil $5000
Baggage & Possessions $1500 $1500 $1000 $1000
Personal Money $500 $500 $200 $200
Personal Liability $2,000,000 $2,000,000 $2,000,000 $2,000,000
Legal Expenses $15,000 $15,000 $15,000 $15,000
Passport Indemnity $250 $250 $100 $250
Missed Departure $500 $500 $800 $1000
Delay & Abandonment $300 $300 $75 $250
Hospital Benefits $1,000 $1,000 Nil $500
Catastrophe $1,000 $1,000 Nil $500
Pet Care $200 $200 Nil Nil
Hijack $500 $500 Nil $500
Mugging Nil Nil Nil $400
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General Travel Advice

Here is our general travel advice before you travel. Make sure all passports, visas any vaccinations and health requirements are up to date. Check on weather and travel news for your destination, especially if you’re traveling internationally and may not be as familiar with the local and regional rules. Many countries and locales will publish this type of information guide for travelers. This should carry all the latest up to date independent travel and health risks information.

Take all your ski or snowboard travel insurance documents with you. Keep them safe and handy. Take a separate note of your policy numbers in case of loss or damage to your certificate or policy cards. Also leave a copy at home with next of kin as a contingency.

At home lock all doors, windows, put a hold on the mail and extra deliveries. If possible, get a friend or neighbor to house-sit. Don’t take large quantities of cash. Take travelers’ checks and/or credit cards, and don’t forget most travel insurance policies have single article limits. Make sure you have with you the emergency numbers to cancel your credit cards. Don’t forget an appropriate electrical adaptor for the country you’re travelling too. You’ll need one to power any electrical items you have with you.

Taking a small first aid kit is a good idea, as is a basic sewing kit, ski or snowboard wax. Take multi-tool, edge file, and wax scraper, too, if you have them. It will save you time and money. Always keep up to date with your ski, snowboard and mountain safety education. Print a copy if required and keep for reference.

When you are traveling or on holiday 
Be aware of the latest airline and travel security measures. Allow plenty more time for check in and be careful when packing any carry-on bags. Travelers are advised to keep hand baggage to a minimum and not to carry any sharp items, including scissors or penknives in hand baggage or on their person – these can be carried in hold baggage. Don’t leave your home address visible on your baggage. Keep all valuables, passports and money on you. Never pack these items in checked in baggage. Keep your ski and snowboard insurance documents or policy cards with you.

When you get to your destination
Take time to acclimate to the altitude and be careful when moving around. Many have ended a trip before even getting to the slopes by falling over on icy walkways, roads and stairs. Find out where all the main services are such as law enforcement, medical centers, mailing services, etc. Check that the electrical fittings and heaters in your hotel room are safe. Check that the tap water is safe to drink – not usually a problem in Western resorts. If unsure, drink bottled water and avoid ice drinks.

Never leave belongings unattended or with strangers, especially at airports, stations, in resort, on the slopes or unattended in a vehicle. Be aware of potential equipment theft from areas such as lift systems, mountain restaurants, cable cars, car parks and especially in resort at the end of the day. Always keep an eye on your equipment. At your hotel, keep valuables and cash in a safe deposit box or in the hotel safe.

Please remember that you must obtain a police report in the event of any loss or theft. Original documents are required in order to settle your claim. Please make sure you photocopy them before you send them to the claim adjustors. Check with the lift pass office and/or local papers for any special offers on passes – if you’ve not pre-booked – and other local services which may save you time and money.

Be warned that the effects of alcohol increases with altitude so take it easy if you want to get up and stay up on the slopes in the mornings. Finally, enjoy the mountains, your trip and the snow!

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Annual and Long-Stay Ski Travel Insurance and Snowboarding Insurance

The advantage of an annual travel insurance policy is that there is no need to worry about arranging cover for each journey you take and it’s usually better value than buying individual policies for two or three trips a year. An annual travel insurance policy allows you to travel as many times in the year as long as each trip is not longer than 45 days. Up to 17 days ski travel insurance and snowboarding insurance is included free with all our annual travel policies.

However, if you’re going to be skiing or snowboarding for more than 17 days, you can either purchase a single trip or long-stay ski travel insurance and snowboarding insurance policy for each trip. All winter sport activities can be covered, even heli – skiing / boarding. This is the home of the ski travel insurance and snowboarding insurance specialist. Annual travel insurance and ski travel insurance and snowboarding insurance is also backed by the UK largest insurance companies.

Annual travel insurance including ski travel insurance and snowboarding insurance is an even better deal for families. Insurance for a couple will be cheaper than for two single adults and cover for a family with children under 18 is not usually much more expensive than cover for a couple. Do watch, though, for restrictions on how the cover works. Some family travel policies only cover the family if everyone travels together. The best policies will cover each adult travelling on his or her own, and even unaccompanied trips by the children.

Long Stay Travel Insurance

So many people are going abroad these days and the duration of journeys is ever increasing. You may be going on a longer holiday or trip than usual, maybe you want to ski/ride the winter or stay with relatives on the other side of the world. You might even want to take a temporary job during your stay. So make sure you’re covered with long stay travel insurance.

If you have the right long stay travel insurance, you’ll be confident of knowing that should you fall ill or have an accident you’ll be able to get the necessary medical treatment you need. You could find yourself facing a hefty medical bill if you fall ill abroad without long stay travel insurance. There’s also the risk of losing your personal possessions and equipment or having them stolen. Long stay travel insurance will allow you to replace them or will ensure that a loss doesn’t become a financial crisis, too.

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Types of Insurance Explained

The easy way to buy ski or snowboard insurance might seem to be through a travel agent or tour operator. Sometimes these policies are ‘free’ with selected holiday deals, but where they are not, they can be very expensive. Travel agents are no longer allowed to insist that holiday maker’s book insurance through them and it’s almost always possible to find a better deal by shopping around. Buying online is by far the simplest way to arrange, purchase and obtain instant coverage.

Type of Coverage
The traditional way to buy travel insurance is to take out a policy for each ski or snowboarding trip and this is usually how tour operators sell their cover. If you only make one or possibly two trips abroad a year, this may well be the best option. However, a growing number of travelers are opting for annual travel insurance. We talk about this topic elsewhere on the site, but we’ll take a minute for a quick review. The advantage of an annual policy is that there is no need to worry about arranging cover for each journey and it is usually better value than buying individual policies for two or three trips a year.

Most annual policies will cover trips of a month or more. It’s also possible to add business cover and skiing or snowboarding for an additional charge to a standard annual travel policy too if you plan to do more than travel to the snow. Annual travel insurance is an even better deal for families. Insurance for a couple will be cheaper than for two single adults and cover for a family with children under 18 is not usually much more expensive than cover for a couple. Do watch, though, for restrictions on how the cover works. Some family travel policies only cover the family if everyone travels together. The best policies will cover each adult traveling on his or her own and even unaccompanied trips by the children.

Medical and Injury Insurance
The most important part of travel insurance is medical coverage. This should include treatment at the destination, but also the cost of being flown home, by air ambulance if necessary. Common coverage limits range anywhere from $1-$5 million. It’s useful, too, to have access to a helpline that can put you in touch with a doctor who speaks English.

This extra medical insurance can be enough for a short trip abroad, say a weekend break, but it can also be essential if your regular health insurance doesn’t cover providers outside your network and which may be hard to find when traveling.

Baggage and Belongings, Delays or Cancellations, Personal Accident and other Special Risks such as Off Piste rescue and repatriation are all covered with the right ski travel insurance policy. Different types of travel insurance also cover off-piste skiing and snowboarding with or without a guide except where it is undertaken in designated unsafe areas or outside ski area boundaries.

 

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Group and Business Travel Insurance

Traveling together and need group travel insurance? Instead of going to the trouble of arranging individual cover for each and every member of the party, which can be costly and time consuming, why not take out a group travel insurance policy with Ski Travel Insurance.Com to cover all of your group at once? A group travel insurance policy will give complete peace of mind when on your active travels – safe in the knowledge that should you encounter any trouble – you are well and truly covered. Ski travel insurance can cover all your wintersports, mountain, extreme and adventure travel requirements and can provide discounts for groups of 5 people and more.

Planning a business trip?
Traveling on business is essential for many of us, but it can be a real chore at times. Being away from home and your loved ones can be bad enough, but things can get really bad if you have an accident or are the victim of a theft. So, make sure you’re covered with business travel insurance. In theory your employer should pay for any medical attention you may need and should probably have corporate business travel insurance policy in place to cover for any losses you incur. But don’t bank on it!

There are plenty of business travelers who have discovered to their dismay that their company hasn’t in fact arranged adequate business travel insurance coverage. Don’t presume that you will be able to claim against an annual travel policy. Most insurers exclude business travel from their policies. If you’re self-employed, you may not even have thought about the necessity of business travel insurance.

The answer is to sort out adequate business travel insurance cover before you go. After all, you’ve probably got plenty of other things to worry about. And, having the right cover in place will ensure a hassle-free trip. Not only does ski travel insurance provide ski and snowboarding insurance it also caters to business coverage. You can even increase your business travel insurance benefits to include computer and equipment insurance for all your trips.

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Ski Travel Insurance Protects Your Financial Investment

A big ski vacation can be an unforgettable experience that you remember fondly for the rest of your life. For many people, it’s a chance to see a different part of the country, or the world. Many reasonably skilled skiers live an area with local ski areas that may be fun in their own right, but simply can’t compare to the experience offered by the Rocky Mountains. Parents want their children to see and experience the stark, impressive lines of the mountains. In addition to world-class slopes and terrain parks, adults want a first-rate, yet charming, après-ski ambiance. Many mountain ski towns are cultural destinations, especially if your ski vacation coincides or is planned around a major event.

How to estimate your costs

Whether you’re looking for a family-friendly vacation, an LGBTQ ski week, or both at the same time, chances are you’re going to need to spend some serious dough to make it happen. Ski vacations at popular Colorado ski resorts will typically cost around $300-$500 per person, per day. And while you may be able to find group discounts and squeeze into lodging accommodations with the maximum allowed occupancy, this cost range also doesn’t account for premium lodging, which might be $1,000 or more per night especially during peak ski season.

We had a friend who had brought his entire family out to Colorado for a weeklong ski trip. Six people in all, including his own father. They choose to go to Breckenridge, which for those who aren’t familiar with Colorado ski resorts, is definitely NOT the most expensive resort. He also researched and found a bunch of online discounts for skiing in Breckenridge. But by the time you factor in meals, ski rentals, just a few souvenirs and miscellaneous travel expenses, he still ended up spending nearly $15,000 or more like $17,500 including the airfare. His dad chipped in a good sum, but he also said it was totally worth it to him.

Don’t dismiss insuring your trip plans and costs

This is all building up to a reminder that, more than indulgence or over-planning, ski travel insurance holds real benefits and peace of mind for the person or persons funding these big vacation plans. It doesn’t cost as much as you might think, and while the cheapest plans have coverage exclusions that are important to understand before you buy, many people are also surprised by just how much ski travel insurance policies do cover. And while single-trip policies are

Depending on where you live, how many people are on the policy, and how much coverage you want, this type of annual policy will cost only peanuts more than a single-trip policy with strong coverage for a major ski vacation. There is no single plan or policy that’s right for everyone. The larger point is still that too many people dismiss ski travel insurance without giving it a fair hearing and considering the cost-benefit analysis with all the details in front of them.

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Guide to Ski Travel Insurance in Europe

If you’re planning on heading out to the mountains this winter with friends and family, there are a few things you can do to make sure you stay safe on the slopes. There is no doubt that skiing is an exhilarating sport, but conditions in the mountain can change rapidly and the decisions you make can put you in danger. This is a brief guide to how ski travel insurance works in Europe.

Before you go…get clued up on Ski and Travel Insurance

We’re biased, but this is an essential item on the to-do list for your ski holiday is to buy winter sports travel insurance. Winter sports cover can be purchased on a single or annual trip basis, and usually sets you back about £40, but covers you for up to £10 million. With helicopter rescue from the mountain costing up to £14,000, that £40 is a bit of a bargain. But there are a few ways in which you can get confused and believe that you are covered for medical care, when in fact you’re not…

The EHIC (European Health Insurance Card) replaced the old E111 a few years ago, but is still an essential item to take on your ski trip, as it covers in the case of medical emergency. Whether the costs are covered or you have to pay for the medical treatment up front depends on the country. In many you won’t be faced with the costs, but in France you will have to pay and have it refunded at a later date.

Don’t be fooled into thinking you are covered completely. You cannot rely solely on the EHIC for insurance, as it doesn’t cover you for mountain rescue or repatriation. It will help you once you are at the hospital, but it won’t cover you for that pricy helicopter journey. The fully comprehensive winter sports insurance you purchase will help cover those costs.

Another piece of protection you can purchase is the Carte Neige. This is a type of French insurance cover that you can buy in resort for about 2.50 euro per day and add to your ski pass. The advantage of the Carte Neige is that it is instantly recognizable to the ski patrol, so the medical costs are automatically covered, and you won’t be asked to pay the bill at the hospital and wait for the paper work to be done to be refunded.

The thing to remember is, buy fully comprehensive winter sport cover so that the bigger medical costs are covered. Don’t scrimp, buy insurance and play it safe!

Buy a Helmet…and wear it!

A helmet does not make you invincible, but it will help protect your head in minor collisions. Over the past few years there have been a number of high-profile skiing accidents. The debate over whether to wear a ski helmet continues, and with this recent spate of accidents many people are calling for ski helmets to become mandatory. There is no doubt that skiing can be a high-speed and at times dangerous sport, and like cycling or horse-riding where helmets are part of the normal gear, it only seems sensible that you should wear one whilst skiing.

In Italy and Austria it is now compulsory for children under 14 years old to wear helmets when they are skiing; and in Nova Scotia, Canada they have made it mandatory to wear ski helmets for the coming winter season 2012/13, and those who don’t comply will be fined $250. But with reports suggesting that the number of skiers and snowboarders wearing helmets has increased over the past few years, the number of head related ski injuries have not decreased.

So do you wear one or not? According to the NSAA (National Ski Areas Association), wearing a ski helmet can reduce the risk of head injury by 30-50%. But whilst they do protect, their limitations need to be understand as well and they won’t protect you in all cases. They are designed to protect you from injury when a collision is less than 15mph. So if you were to hurtle into a tree at high speeds (average speed of an intermediate skier is 25mph) your helmet will not necessarily protect you from serious harm.
Read the signs…

The fresh untracked snow lying beyond the rope may look inviting, but if there is a sign with a man falling headfirst off a cliff, then maybe you should think twice about ducking the tape and skiing down. If you are not an expert skier, and you’re thinking of venturing off-piste it is best to do so with a guide or an instructor. Be prepared for the hidden dangers that may lie ahead by checking the avalanche risk level, and be aware of hidden rocks, crevasses and trees.

Take a transceiver and make sure you and the rest of your group know how to use them. Un-pisted areas are not patrolled, and depending on the insurance you have taken out you may not be covered, risking a huge bill to be recovered off of the mountain. If you are a member of Ski Club of Great Britain, you can link up with leaders in most ski resorts, where they will be able to guide you off-piste and provide you with the safety equipment, to save you forking out for an expensive ski guide.

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