About Winter Sports Travel Insurance What You Should Know

Travel Insurance - Nobody likes paying for insurance, but winter sports holidays are a very important time. So what should you look for in a policy?

About Winter Sports Travel Insurance What You Should Know

As the days get shorter and summers become a memory, many of us will turn our minds to planning a winter vacation, especially one that involves winter sports like skiing. Travel insurance is an often overlooked part of vacation planning, but if you are planning to take part in sporting activities then it is very important.

About Winter Sports Travel Insurance What You Should Know

A normal travel insurance policy probably won't meet the standards you need for winter sports, and if something goes wrong, you could face huge bills. So what features should you look for in a policy?

1. Injury Cover

No matter how proficient you are as a skier, going downhill is always riskier than just lying on the beach sunbathing. And if you have an accident, the slopes are not the easiest place for medical services to reach. If you're unlucky to need a mountain rescue or airlift to a hospital, you'll face bills that run into the thousands before you even get medical care. These expenses may be specifically excluded on standard insurance policies, but will form an integral part of almost all winter sports coverage.

2. Equipment

Most winter sports require expensive equipment, and where valuables are present there is always the possibility of theft. Your insurance should provide sufficient coverage to completely replace your equipment with new items if necessary, at the resort. Even if you plan to rent your equipment, the rental company will probably need insurance - and your own policy will likely be cheaper than the standard policy they will try to sell you.

3. Burden

Even the best skier or snowboarder can be involved in an accident where someone else is injured. Whether the accident was your fault or not, you could be taken to court and this is usually a long and expensive process. An eligible insurance policy will cover the costs of any legal proceedings and/or compensation payments.

4. Piste Closure

If bad weather (or warm weather!) means the pistes are closed and you can't ski, your policy will have to pay you compensation to cover the cost of pre-booked lessons or lift fees, and many even include only payment to cover the inconvenience of not being able to skiing.

5. Off Piste

A final point to note is that standard winter sports policies will probably only cover you for accidents that occur while skiing on designated runways. If you plan to go off-piste, then make sure your insurance will cover it - you may have to pay extra.

As with most types of insurance, paying for travel insurance can seem like a waste of money. However, if you find yourself caught in an accident on a mountainside then the costs can be quite daunting and you will be glad you took the time to arrange for adequate coverage beforehand!

That's About Winter Sports Travel Insurance What You Should Know

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