Ski Travel Insurance

Winter sports are a penchant for many sports persons. Skiing as a sport is both interesting as well as risky due to the treacherous slopes and the horrendous valleys that one has to traverse with their equipment and sledges. Moreover you can’t rely on weather which may take a dangerous avatar in the form of snow storm or an avalanche.

Ski travel insurance is a must for all winter sports enthusiasts. Anything may happen of the snow covered peaks. The ski travel insurance cover includes:

• Ski and snowboarding equipment
• Ski school costs if you are wounded or ill
• Cover for skiing and snowboarding off piste with a qualified trainer or instructor
• Medical expenses that may occur due to trauma or other accidents
• Air ambulance fees if the need for air lifting occurs

The coverage extends to accidental death, permanent disability, loss of income, travel documents, credit cards and travelers checks, cancellation fees and lost deposits, overseas medical assistance, additional expenses, theft of cash, luggage or personal effects, luggage delay allowance, travel delay, disruption of journey, alternative transport expenses, personal liability, rental vehicle excess, domestic pets, domestic services, emergency rescue, bad weather or avalanche closure.

It also provides coverage if your ski equipment remains unused for more than 48 hours due to unavoidable reasons.

It can either be for a single trip or an annual multi trip. Ski travel insurance is available for friends, families, bank clubs, tour groups, travel clubs, church groups, exchange groups, civic organizations, professional associations, fraternal and social organizations, student groups (bands, language clubs, and choirs) and private or government sponsored international training missions.

There are at least a handful of companies offering ski travel insurance. It is advised that you take ski travel insurance from the same company that provides you with your other policies, so that the cost would be comparatively lesser.

Making the claims is more important than availing the ski travel insurance. You must be clear about the documents that you have to submit and retain for making the claim. Further you must inform the company as soon as possible in case of medical emergency and produce an FIR in case of loss of baggage.

Not all the insurance companies offer ski travel insurance and not all the ski travel insurance have the same coverage. So it is essential to understand the coverage and the exclusions of your policy.