For most people the thought of their annual ski vacation is foremost in their minds as winter approaches each year with the hope that the snow will fall in huge quantities. Of course, last year many resorts saw little snowfall but that is not happening this year so everyone will have their chance to have a successful skiing trip this season.
Each year though, many thousands of skiers, new and old, fall foul of the slopes, returning home with injuries they were not expecting. Owing to the nature of skiing injuries, it is important to ensure that you are properly covered with a winter sports insurance plan and not just rely on standard travel insurance unless it specifies that skiing is catered for (usually for novices and those who are intermediate).
This is the vast bulk of the market and yes, accidents do happen but they are more likely to be in a controlled fashion, by that we mean on well groomed slopes, with assistance and help on hand. Serious accidents are more likely with experienced skiers, trying their hand on slopes that are more dangerous and not part of the regular runs. This is why the travel insurance cover generally stops at this point and more specialized winter sports insurance is required to cover the more serious skier.
People that regularly ski off the beaten track, as it were need to be aware of any restrictions placed on these activities by the insurance company in advance or they may find they do not have cover should an accident occur. As newer types of challenges have arisen like ‘half pipes’ as just one example; risks have increased for skiers that want to try something different.
If you are a skier who enjoys the more dangerous skiing options then you must source a winter sports insurance policy which includes activities that are not covered by regular travel insurance. Some people have travel insurance that is included in their credit cards or bank accounts for example but these can often be cut down examples and may not include winter sports insurance as part of the package so checking this before your journey is an absolute must.
You may find it easier just to source an insurance provider that has organized a ‘bespoke’ winter sports package as this may provide everything you need without the worry of checking every detail of your current travel insurance. These travel insurance policies include cover for loss or damage to skiing equipment whether hired or owned and can even pay out if the resort does not have any snow.
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The more expert you are, the more likely you will need more specialist cover than provided by the usual high street provider as mountain rescue and medical costs are expensive and if this requires repatriation then the costs mount up rapidly. As you are being strapped to the rescue sledge, it will probably be too late to wonder whether the travel insurance you bought before the holiday is going to cover you so do yourself a favor and know before you go.
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