Checking the Fine Print on Your Ski Insurance

2007-03-08 10:33:40

( Travel )



Ski insurance is frequently misunderstood as a short term medical insurance policy that takes effect once you hit the slopes. On the contrary, ski insurance is designed to cover your medical, rescue and repatriation expenses that you might encounter in your winter holiday. Also, it covers losses and damage to your valuable ski or winter sport equipment.

While booking your winter holiday package, your local travel agency will most likely offer you a ski insurance. Since it appears to be a package deal, this might appear to be a convenient option. However, there are many insurance companies that specialize on winter sports and ski insurance, and their insurance scopes are usually wider than those of your local travel agent. Standard travel insurance might not be enough because claims related to skiing holidays tend to be stricter, given the possibility of danger in the slopes than, say, going to the beach. Thus, ski insurance can provide the optimum amount of assurance, and lenient winter-based policy conditions, that you need for that winter holiday.

Because of their specialized purposes, ski insurance is usually expensive so it’s advisable to check the relevant information that’s included in your package. Liability cover is often included, but its scopes vary differently, depending on where you’ll be spending your skiing vacation. Consequently, you need to check the fine print how much you’ll be covered. Likewise, you also need to check the policy excess, which determines the ceiling cost that the insurance company is willing to pay. The policy holder should be able to determine if the policy excess is reasonable enough as anything above it will be shouldered by the policy holder.

For rescues and repatriation, which are extremely expensive operations, policy holders should check the guidelines that govern these instances. If you’re flying via plane, it is also advised that the ski insurance include an additional seat for people with leg injures. Since skiing and winter sports equipment are at a premium, check if you have sufficient cover for all your gear. Insurance companies are strict on your responsibility to your equipment because anyone can declare it’s lost or stolen when, in fact, it was lost due to negligence (e.g. leaving your skis unattended),

Of course, when you go to your winter holiday, you’d like to try out as many winter-based activities as possible. If you have winter activities that you’re planning to do, check it with your ski insurance as there are insurance companies that do not allow involvement in particular winter sports that are usually dangerous, such as glacier skiing, bobsleigh racing and mountain climbing.

Again, it couldn't be emphasized any further that the ski and winter sport insurance is not a temporary health insurance. Instead, it actually insures the perils of the mountains. By checking these necessary details in your ski insurance, you can be sure that you can troop to the slopes and enjoy your winter vacation at ease!


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