Your Guide To Skiing : Advice On Insurance
Arranging insurance is the topic for this part of our learn to ski guide.
About one-third of all skiers do not purchase insurance, and thereby open themselves up to the risk of owing literally thousands of dollars of medical and/or rescue bills in the event of an accident.
Murphy’s Law would suggest that what can go wrong, will go wrong, and skiing is no exception; consider issues such as baggage loss, stolen or broken equipment, personal liability in the event of an accident that requires repatriation/restoration, and even things like piste closure that you may not have thought about, all of which can cost you money.
These are all reasons why purchasing an insurance policy for your ski trip makes the best sense. How can you choose, however, from the tremendous range of polices out there?
First, think about the kind of skier you are. If you’re a beginner or inexperienced skier, or someone happy to stick to the piste at all times, you’ll find basic policies will suit your requirements, even the cheapest ones. Basic policies start in the range of $30, and should be available through your travel agent, insurance broker, and sometimes even in the supermarket.
More advanced skiers who will be doing off-piste, heli-skiing or cat-skiing will need policies that cover those activities. {Premiums can be significantly more expensive in line with the increased risk or danger and you should expect to have to use a specialist insurance provider to be fully covered.}
You must also consider how much coverage you need. A policy may offer different bands of coverage and your activities will fall within one of those bands. An example of a premium policy would be coverage of up to a million dollars for medical expenses, whereas for losses under a basic policy, you would be covered up to $250,000. Excess payments on any claims made can end up being a considerable amount of money if you go with a less expensive policy, so that is something to which you should pay attention.
Whichever type of policy and level of coverage you do go for, be sure to buy your insurance in advance of your holiday, or it will be invalid. If you have your policy in place before you travel, and suffer a loss that you must claim, it will be easy for you to prove to an adjuster or auditor that you did not try to purchase insurance to claim an accident that has already happened.
Finally, be very wary of the small print involved in ski holiday insurance policies and know exactly what you‘re covered for. Read through it thoroughly before signing the contract and ask questions about any aspects of it that you’re unsure about.
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