Benefits of Ski Insurance

Your ski holiday should be an amazing experience but, in case the worse should happen and you require medical attention, make sure that your insurance policy provides you with the right protection.

To many the benefits of a good ski insurance policy are obvious. But many skiers and boarders do holiday on the slopes each year with inadequate insurance policies which means that, should the worse happen, and they require medical attention, they could be liable for huge medical bills. Here we try to break down the different elements of ski insurance so that you can decide exactly what you need.

24 hour Assistance

This is seen as one of the most important benefits of any ski insurance cover policy. With your policy normally comes an emergency phone number, and thus one point of contact should any emergency or medical problem occur while you are away.

Mountain Recovery

This element of your policy includes the expense of getting you off the mountain by helicopter should there be no other way to get you medical attention. This is extremely costly if you are not covered so do ensure it is in your policy. Also be advised that you may not be covered if you are skiing off piste, and do not have cover for this, or you have chosen to ski on closed pistes. So do be advised to follow all the rules of the mountain or you could be in a for a huge bill.

Equipment/Luggage

Providing items are not left unattended in a public place, cover is provided for most items of ski equipment, whether hired or owned. Lost, delayed, or stolen baggage and some personal possessions may come under this benefit, and warrant a cash payout. Lastly, it will also cover the loss and replacement of ski passes.

Replacement Equipment

Although not an 'old for new' policy, any equipment lost or stolen will be replaced at current market value.

Liability Cover

Although not intentional, skiers, especially inexperienced ones, can cause accident or injury to others, so some kind of liability cover is an essential part of any policy, should the worst happen.

Other Winter Sports

Winter sports insurance is by no means limited to skiing, most policies will also insure you against other winter sports, including most types of recreational skiing, snowboarding, sledging, and recreational racing.

Additional Accommodation and Travel

Full or part payment for this may be provided in certain circumstances, such as delayed departures, medical emergencies requiring travel, or skiers being moved to alternative resorts due to bad skiing/weather conditions.

In Summary

Although unpleasant, and not a benefit in a traditional sense, death, disasters, and even hijacking can also be mentioned in a ski insurance policy.

Add all these points to the many discounts available for both online bookings, and longer periods of cover, and any ski insurance policy should provide you with a multitude of benefits. These benefits will ensure everyone in your party can get the help and assistance they need, when they need it.