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.

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.

Five Essential Pieces for Your Ski Safety Kit

If you are just a normal skier who sticks to the piste and doesn’t take too many risks, you may not think much about your safety when you’re on your annual ski holiday. Most regular skiers know what they are doing and accept the risks involved, but there are many easy ways to minimize these risks, many of which you are probably already doing without realizing!

Ski Gloves

Never underestimate the importance of good quality gloves when skiing. Not only do they do the obvious and keep your hands warm and frostbite free, but they are also vitally important in protecting your hands in other ways. They cushion your hands against the harsh ridges of icy snow when you fall and they also give some protection to your thumbs from getting caught in the ski pole strap, a very common ski injury. Breathable gloves prevent sweaty hands which, once cooled, remain damp and cold and can even freeze later in the day. Flexibility is important too so you don’t constantly have to take your gloves off, exposing your hands to the elements, as well as durability and most of all, make sure your gloves are waterproof.

Ski boots which fit properly

Ankle injuries used to occur much more frequently than they do these days, thanks mostly to advances in ski boot technology. It shows therefore, how important it is to wear ski boots that fit properly and hold your foot securely in position. Make sure your boots fit well but aren’t too tight that they cut off the circulation, or too loose that you can lift your whole foot off the bottom of the boot. Your toes should be able to move though, to ensure proper circulation. Most of all they need to be comfortable as there’s nothing worse than having to ski all day in painful boots. Most ankle injuries these days occur not from a badly fitting boot but either from a bad landing after a jump, or if your skis don’t clip off properly, which leads nicely to the next point…

Correct DIN setting

This is what your ski technician is fiddling about with on your ski binding when you get your skis fitted at the beginning of the week. It is calculated not only by your height, weight, boot size, and age, but also by your ability level and style of skiing. The higher the DIN number, the more securely your ski is attached to your boot and the more vigorous a fall will have to be for your ski to release. A beginner will have a fairly low DIN so that the ski releases even after a slow speed fall as they will not be practiced in how to fall safely. An experience skier will opt for a higher setting so that skis do not clip off when you are skiing rigorous terrain, or if you just fall in a controlled manner. Having the wrong DIN setting can be disastrous, particularly if set too high and your ski doesn’t come off when it should resulting in a nasty knee or pelvis injury. Similarly, a setting that’s too low can mean a ski can clip of mid turn sending you spinning. It’s therefore vitally important to get this right and is a key aspect to being safe on the slopes.

Ski Goggles

A decent pair of goggles allows you to see in all conditions, which as you can imagine, greatly reduces your chances of getting injured. Spending a little more money on your goggles usually pays dividends as they’ll be better quality, less likely to steam up, and probably come with changeable lenses for different light conditions. In a blizzard, being able to see as best you can within the conditions really will keep you safer than squinting through the snow with your sunnies on your head. In bright weather too, a proper pair of UV protection lenses will save your eyes from getting burnt, and will be hugely beneficial to your sight in the long run. Oddly enough, being able to see where you’re going often prevents crashes!

Helmet

Whether or not to wear a helmet has divided the skiing community for years. Most would agree that children under 16 should all be encouraged to wear one, with many people calling for them to be made compulsory for young skiers and boarders. Some believe you become more reckless on the slopes when wearing a helmet because you inherently ‘feel safer’ wearing one. Using this as an excuse not to wear one is flawed however, as the figures show that in 188 skiing and snowboarding related deaths, 108 of these had head injury as the primary cause of death – if all of those had been wearing a helmet, this figure would be much lower.

Figures for helmet use are hard to come by as injuries that do not occur because the skier was wearing a helmet are obviously not recorded. One scientist, Brent Hagel, an assistant professor of epidemiology at the University of Calgary, has discovered that wearing a helmet out on the slopes may reduce the risk of head injury by as much as 29 to 56%, which is certainly a reason to wear one. In this day and age, when you see as many people on the slopes wearing them as not, so much so that it’s no longer un-cool to wear one, and when young adults, particularly in the park, often criticize each other for their stupidity in not wearing a helmet, there really is no reason not to. It could just save your life, or at the very least, save you from a horrible headache.

Ski safe!

 

Annual Policy or Single Trip Coverage—Which is Better?

When searching for the best travel insurance policy, you should have a basic idea of your travel habits. This will allow you to choose the right policy. If, for example, you know that you’re hiking the Appalachian Trail in the summer and doing a winter ascent of Matterhorn, you should have an idea of what type of coverage you need for both trips. 

If you know you are going to travel several times within a year, an annual travel insurance policy, also known as a multi-trip policy, covers all your trips and can be far most cost-effective. They do, however, have a maximum duration per trip. This is not a substitute for health insurance. If you only plan to travel once in a year, you’re better off sticking with single-trip coverage. 

There are, however, a few additional considerations to make before making this decision. For example, insurance premiums are often based on the oldest traveler. When that individual turns 65, the premium spikes. Think carefully before opting for an annual policy for you or the family. If at least one of the travelers is 65 years old, a separate policy for the older traveler may be the best option. This will eliminate the possibility of everyone else paying a higher premium. However, you should still do the math for your specific policy and ask your insurance provider about age limitations. 

Similarly, the deductible is the amount of money you pay for expenses before your insurance plan stars to pay. The higher your deductible, the lower your premium will be. If a claim is needed, you will be paying much more. If no claim is needed, then your upfront premium cost is lower. If you take out a low deductible, then your premium will be higher, meaning your upfront cost is more but you will end up paying less if you have to make a claim.  

In order to find the right balance of deductible and excess, carefully review your trips. Is one more dangerous than the others? Do you have more experience in one type of travel and less in another? While you may feel confident in your ability to conduct one of your trips unscathed, feeling uncertain about new experiences is normal. If, however, there is an extremely wide gap in confidence, paying for single trip coverage—and opting for a lower deductible for the scarier trip—is a great strategy.  

Not Checking Exclusions Could Be a $3,000 Mistake

As with other types of insurance, travel insurance policies will include a list of exclusions. These items are occasions in which the insurance will not cover you or personal losses. Most often, this will include severe weather conditions, natural disasters, volcano eruptions, terrorism, war, or civil uprising. While it is absolutely possible to find a travel insurance policy to cover these occasions, most of the inexpensive plans will not. 

Depending on your trip, it is important to choose a travel insurance policy with the fewest exclusions possible. Pay attention to these while reading through the policy, and ensure to declare any pre-existing medical conditions you may have. Failure to do so will nullify all coverage. Many policies will not cover certain pre-existing medical coverage, and you may have to purchase and add-on to include this. Talk to your insurance provider about the exclusions, and be sure to ask which plan they’d recommend for the trip you’re about to take.  

It is essential to remain vigilant in knowing the medical exclusions and conditions for your policies. You don’t want to get caught in a high-cost country and need to see a doctor—one visit could cost hundreds of dollars. Similarly, traveling to parts of the world experiencing conflict, while an incredible opportunity, will likely come at a huge cost. If your insurance doesn’t cover phenomena that may occur during civil unrest, you’ll have to purchase an add-on—and that can be expensive.  

Here’s the bottom line: Your travel insurance is not likely to cover every aspect of your trip, and that is to be expected. If you know that your destination comes with some type of threat—whether it be a volcano eruption or the threat of war—as your insurance provider about the added costs of coverage. If you go on vacation and realize that the catastrophic event happening is one of the exclusions, you could end up spending thousands of dollars to get out. 

No, Travel Insurance is Not a Substitute for Health Insurance

Travel insurance has one goal: to keep you and your stuff safe from harm while out on an adventure. As we’ve discussed, there are several components to standard travel insurance: vacation cancellation, medical, evacuation, baggage, and flight. While most of us only utilize the last two options, hundreds of thousands of people around the world pay millions of dollars to add the emergency medical component to their policy.  

The medical portion of travel insurance is one of the trickiest to balance. Some policies offer lower and high medical expense options, which ultimately affect how much you pay. The higher prices are most often used for countries with high medical costs, such as the United States. That said, travel insurance is often far cheaper than a standard health insurance plan in one of these high-cost countries. Though used only for short periods of time, travel insurance can be hundreds of dollars cheaper than a U.S. healthcare plan. 

Travel insurance, however, is not intended to be a substitute for a health insurance policy in your home country. While there is a medical component in you travel insurance policy, it is only designed to cover sudden illness or accident—not preventative, rehabilitative, or diagnostic care. To that end, an individual can choose the level of coverage they purchase before a trip; some travel insurance plans won’t have the medical component.

While this is not necessarily a common practice among those who purchase travel insurance, you have to admit—the idea of paying significantly less for healthcare is pretty enticing. You’ll just wait for your symptoms to get bad enough to facilitate an emergency trip to the hospital, right? While this might seem like a clever scheme, it puts your health in extreme peril. Plus, few travel insurance providers will actually provide insurance for this reason.  

Best Ski Travel Insurance Providers

We’ve argued for the benefits of skiing travel insurance—now it’s time to share our favorites. These four insurance providers cover a broad spectrum of ski- and snowboard-related activities, as well as other outdoor recreational pursuits.

World Nomads Travel Insurance; “Adventure Activities Level 3”

What does it cover? Snowboarding/Skiing via helicopter/snow cat, backcountry, outside of resort boundary, alpine ski touring with a guide, and on- or off-piste within resort boundaries.

Can you extend the policy while still away? Yes, as long as you haven’t made a claim on that policy.

Do I have to purchase the insurance while in my country of residence? No, you can purchase or extend coverage once you have left for your trip.

 

InSure4Less

What does it cover? Backcountry snowboarding/skiing without a guide.

Where is it available? Australia.

Can you extend the policy while still away? No
Do I have to purchase the insurance while in my country of residence? Not necessarily, but it is only available for coverage in Australia.

 

Insure and Go Travel Insurance

What does it cover? Heli skiing, cat skiing, off-piste skiing with a professional guide, and snowmobiling.
Where is it available? England, Ireland, United States, France, and Australia.
Can you extend the policy while still away? It depends on your policy; some annual policies only include trips for up to 30 days in length.
Do I have to purchase insurance while in my country of residence? No.

 

Sports Cover Direct
What does it cover? Different levels cover different sports. Level 2 coverage includes: Off-piste snowboarding and off-piste skiing; Level 3 includes Level 2 and snowboard acrobatics, snowboard stunting, snowboarding parks with large jumps, ski jumping, ski racing, mountain climbing with ropes, mountain walking, and mountaineering.
Where is it available? United Kingdom, Ireland, and Channel Islands
Can you extend the policy while still away? Yes.

Do I have to purchase insurance while in my country of residence? Yes.

What to Look for in Adventure Travel Insurance

Every plan differs in its provided benefits, coverage limits, covered reasons, and exclusions. If you are searching for ski- or backpack-related travel insurance, you should look for a few key benefits. Below, we have listed our top six benefits to look for when deciding on an insurance plan or coverage option.

 

Emergency medical benefits. This provide benefits for losses due to covered medical and dental emergencies that may occur during the trip. If you suffer an injury or hypothermia while skiing, emergency medical benefits can reimburse the cost of your medical care.

 

Emergency medical transportation benefits. This will provide medically necessary transportation to the nearest hospital or facility following a serious illness or injury experienced while traveling. If you suffer an accident while skiing, these benefits will pay to transport you to the nearest hospital.

 

Baggage loss/damage benefits. This can cover loss, damage, or theft of baggage and personal items. This is essential for those traveling with expensive ski and snow equipment, especially those traveling via airplane.

 

Trip delay benefits. These benefits can reimburse you for additional accommodation and travel expenses if you experience a departure delay of six or more hours. If you plan to fly home from Vail, this coverage will help you pay for a hotel and meals in the case of a flight-cancelling blizzard.

 

Baggage delay benefits. These benefits will reimburse you the additional purchase of essential items during the trip if baggage is delayed or misdirected by a common airline carrier for 24 hours or more.

 

24-Hour hotline assistance. This provides access to assistance teams to help with travel emergencies and last-minute questions about coverage. If your passport disappears while you are backpacking across the tundra, this team will help connect you to local embassy staff to get a replacement.

Travel Insurance for Backcountry Exploration is Essential

If you have backcountry experience, you know that it is essential to prepare for the worst. Backcountry skiers spend much of their time thinking about avalanche safety, spending hundreds of dollars on the equipment necessary to stay safe in case of an emergency. You practice safety rescues and thoroughly research all terrain, checking daily avalanche reports whenever possible. However, complete backcountry trip preparation involves more than avalanche preparedness. It requires an added level of safety.

 

Avalanches are not the only threat to backcountry skiers. While out exploring, you may experience exhaustion, hypothermia, dehydration, bone fracture, concussions, falls, and falling rock. Unexpected weather could leave you stranded. Genuine emergencies in the backcountry require Search and Rescue assistance, medical facility use, and ambulance rides.

 

Of course, backcountry enthusiasts do what they can to stay safe. Most are adequately prepared in the event of an emergency, but it is impossible to predict when an accident will strike. To that end, it is difficult to be financially prepared for the outcome of a backcountry accident; ambulance and Search and Rescue fees alone are enough to shock a survivor. Injured skiers often need hospital transfers, and in the most remote locations, you may need a helicopter ambulance.

 

Rather than stressing out about the financial burden of a backcountry accident, you should invest in ski travel insurance. Injury is more likely to happen off-piste, so you must focus all of your attention on the terrain—not on your wallet. The only way to truly protect yourself is to invest in a travel insurance plan to meet your needs. Now, not all travel insurance policies cover backcountry skiers. When searching for a plan, explicitly ask providers if they cover backcountry exploration. Once you have a plan secured, you’ll be able to spend more energy on the trip itself.