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
Continue Reading