The days are getting shorter, the weather is getting colder… That must surely mean that ski season is right around the corner! For all you avid skiers and snowboarders out there, Winter is an extremely expensive season for you – both with a plethora of Christmas presents to buy and your ski trip to plan. However, did you know that Winter sports travel insurance can actually be quite low-cost? By taking out an insurance policy for only a tiny percentage of your trip costs, you can save yourself a huge amount of money if you did have an unfortunate accident while skiing or snowboarding or accidentally damage or lose your equipment.
Why do I Need Winter Sports Travel Insurance?
Snow sports can be quite dangerous especially when it comes to even more experienced skiers and snowboarders who may venture off-piste or go for the black slopes. The more risks you take, the more you are put at risk – and this can pose quite a high liability.
If you do have an accident while participating in snow sports, you may find yourself needing a few days or even weeks in a foreign hospital which in itself can be quite stressful, especially if you do not speak the language of the local region. You can quickly run up a huge bill for such services which may be at a much higher cost than what we are used to in Ireland. If you have no insurance to cover you, there is no other option – you simply must pay. By having winter sports travel insurance , you are guaranteed to make big savings in terms of both cost and stress incurred. Winter sports travel insurance is an optional add-on that can be added to either a single trip or multi trip insurance policy.
What Does Winter Sports Travel Insurance Cover?
The majority of ski insurance policies will cover all costs you are likely to incur if you injured yourself or others in an accident, are affected by robbery of equipment or piste closures.
If your ski resort is hit by an avalanche, as unfortunate as this would be, many Winter sports policies also cover lost costs in this situation. And if there is an avalanche expected to hit nearby, do not take the risk of venturing out onto the slopes as this would be extremely dangerous.
If you cannot ski due to a lack of snow on the slopes, this will often also be covered so you can instead enjoy other activities offered near your ski resort without losing out on costs you may have already incurred such as ski equipment rentals which you cannot use.
All emergency medical expenses incurred by an accident on the slopes are covered, but do not forget that you must inform your insurance company in advance if you have any medical condition. Failure to fully inform the company about your health status may lead to your policy being determined as void – so be 100% honest when taking out your insurance.
Another important factor to consider before you go on your Winter trip is that you must follow local rules wherever you are skiing or snowboarding. Failure to do so can result in your insurance company withdrawing your cover if you do have an accident and have not respected local laws. For example, you must always wear the necessary protection such as a helmet and you will not be covered if you ski under the influence of alcohol.
Do’s and Dont’s
- We all know how much fun you will have at après-ski… But do what is safest and take the ski lift back home afterwards if you are drinking! Always follow the local dos and don’ts for your pistes and follow any further advice given by your ski instructor. They know these slopes better than you and I, and so their knowledge cannot be taken for granted.
- Going skiing in Europe? Don’t forget your EHIC card! Your European Health Insurance Card (EHIC) entitles you to state-provided healthcare within the EU’s 28 states and Iceland. If you do not yet have one, sign up here for free. But beware! The EHIC card will not cover many costs such as transportation, emergency mountain recovery, or many medical procedures or treatments that you may require if you are involved in a serious accident. For this reason, it is essential that you take out Winter sports cover.
If you are going skiing or snowboarding for the first time, this will be an exciting trip! With this excitement may come some nerves or hesitation as you wonder what the experience will be like. Ensure that you enjoy your holiday to the very fullest by taking out sufficient Winter sports cover. Having a ski or snowboarding add-on to your travel insurance will allow you to enjoy your chosen activity with as little worries as possible.
For those of you who travel several times per year and who already have an annual travel policy or are considering taking out one, opting for an annual travel insurance policy including Winter sports may be the best option. This means that you will have all the essential cover you need for sun holidays, city breaks and your ski trip.
So whether you are going skiing or snowboarding with friends or family (for your first or fiftieth time!) make sure to get your Winter holiday insurance in advance to enjoy the slopes with complete peace of mind.
Get the best travel insurance quotes by visiting Ucompare.ie to ensure you have the best cover at the best price for your upcoming Winter sports holiday!