Although as far as sports go, skiing is a relatively safe one, accidents can and do happen and being stuck without insurance can leave you with a lot of bills to pay that you might not be able to afford. Therefore, a lot of people are turning to supplemental skiing travel insurance to help circumvent these bills in cases of emergency.
So how does ski travel insurance work?
Usually, both skiing and snowboarding are included in any travel insurance plans pertaining to skiing. For the most part, standard forms of insurance, like the ones that you might already possess, don’t cover hazardous activities or sports, like skiing. Consequently, you might need a separate policy.
What else could this type of travel insurance cover?
Skiing travel insurance can provide coverage for legal fees, personal liability, medical expenses and even emergency medical evacuation, such as mountain rescue costs. Other things that this type of travel insurance might cover include:
- Loss of passport
- Loss of valuables
- Loss of baggage
- Trip cancellation
- Travel accident
- Trip interruption
- Emergency medical/dental
- Loss of ski equipment
- Trip delay due to avalanche (this is specifically for the skiing insurance policy, too)
- Medical and evacuation coverage
Keep in mind that the evacuation coverage can be important because regular travel insurance might cover the cost of the hospital, but not the cost of the helicopter that took you there.
How much does it cost?
You might actually be surprised at how little this type of insurance costs. Although usually with cheap travel insurance you tend to get what you pay for, don’t confuse travel insurance with health insurance which can have high deductibles and premiums.
In some instances, it is possible to get coverage for as little as $4 per day. An entire 2 week trip at full coverage with all of the bells and whistles might only cost you $112. Quotes will vary on the dates that you are traveling and type of insurance that you are receiving, of course. If you are under the age of 35 then policies tend to be cheaper for you.
Are there any catches?
It definitely helps to read all of the fine print. Some policies have high deductibles, although they shouldn’t be as high as what your car insurance or current health insurance deductibles might be. You should also ensure that if you are going skiing, you are purchasing a policy that actually covers accidents and delays that are associated with skiing.
This is important since skiing is considered to be an extreme sport. Typical travel insurance will probably not cover this, which is why you need something that is more specialized. Most travel insurance policies will only cover accidents that were unavoidable. If you are going skiing or snowboarding, they are not going to look at that as an “unavoidable” activity. On the other hand, if you are walking down the street and get hit by a runaway car, then they are more inclined to believe that you couldn’t have done much to avoid that particular incident.
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