Winter sports insurance is an insurance policy that is written to protect winter sport travelers in case of injury, theft, or natural disaster.
What does Winter Sport Travel Insurance Cover?
Policy coverage varies from one insurance carrier to another. People who are shopping for winter sports travel insurance would be wise to look closely at these insurance policies. Key components of coverage should include:
- 24 hour emergency medical assistance.
- Adventurous travelers may want a policy that includes off-piste skiing and or snowboarding coverage.
- Compensation for lost, stolen or damaged equipment.
Optional Coverage can include:
- Piste closure coverage
- Theft of equipment
24 hour emergency medical services
24 hour emergency medical services can also include a repatriation service. Winter sports are dangerous, and risk of injury can be high. A quality insurance policy will provide coverage for transport and medical care in the event that an injury or illness occurs.
A repatriation service is an important piece of insurance coverage. This is an insurance policy that will pay for you to get back to your native country in the event that you are unable to travel directly.
Off Piste Skiing or Snowboarding
Policies may or may not cover off-piste skiing or snowboarding. For those travelers who are adventurous, a winter sports travel insurance policy that includes off-piste coverage should be mandatory.
Off piste skiing and snowboarding is becoming more and more popular. Off piste skiing may also be called Ski touring or ski mountaineering. The primary definition of Off-piste skiing is skiing or snowboarding on slopes or trails that are not controlled.
There are many other winter sport activities that can be covered under off-piste skiing insurance coverage. A few other activities that can be covered include curling, glacier walking, ice hockey, ice skating, heli-skiing, kite snowboarding, etc.
Lost, Stolen or Damaged equipment
Winter sports provide plenty of opportunities to lose or damage equipment. The potential for equipment theft is also high. A winters sports travel insurance policy should cover lost, stolen or damaged equipment.
Optional policy coverage should include theft of equipment that is left unattended. Consumers will want to pay close attention to the insurance coverage amounts for lost, stolen or damaged equipment.
There are many escape clauses written into insurance policies that help the insurance companies deny claims. Consumers should read the policy’s fine print and be aware of specific requirements for coverage.
Many insurance companies either offer a single trip insurance policy to cover winter sports travelers or an annual policy that provides coverage year round. It is important that consumers be aware of limitations of coverage.
Some insurance policies may only offer coverage for skiing. If your winter travel plans include multiple sports or activities, choose a policy that allows consumers the freedom to let you enjoy your holiday.
Winter sport travel insurance is a worthwhile investment. The insurance coverage should allow the consumer to enjoy their holiday without limiting the sporting action. It is advisable that consumers review several policies before deciding on a policy that fits their travel agendas.
Consumers can ensure that they have adequate coverage by examining the details of each policy. Identifying restrictions of coverage can help consumers avoid out of pocket expenses during their winter sports travel holiday.
Consumers should look for policies that cover emergency medical services including pre-existing medical conditions. Repatriation coverage is also important coverage that can get you home after a medical event.
Consideration to equipment is also an important aspect of choosing a winter sports travel insurance policy. Consumers should make sure that coverage matches the cost of replacement equipment. It is also important to look at the requirements for making a claim. This is true for damaged equipment, stolen equipment and equipment that is lost.