Year: 2019

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.

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.