Skiing is one of the favorite
winter sport activities that occupy a top slot in any outdoor travel agenda.
This is more so with the present day use of carver skis which are much easier
to learn and handle. But ensure that you are well equipped with appropriate ski
Basics of ski insurance
A travel insurance policy
normally includes coverage for both personal injury as well as ski equipment. Such
a ski insurance cover protects the policy holder from various injuries and
accidents that can occur during a skiing trip. These include skull injuries,
arm fractures and gashes, knee smashes, rescue operations and ski lift
The policy also provides cover
against an occurrence of avalanche or landslide and piste closure due to insufficient
snow. There are on-piste/off-piste skiing policies that allow a choice between
a well prepared hard track of snow and an off beaten track.
Nowadays, there are ski insurance
policies that include use of repatriation service with urgent medical assistance
and transportation to a hospital or a medical facility if the policy holder so
Since skiing equipments are not
cheap and can be misplaced, stolen or lost during travel, it is essential to
insure the equipment in the travel insurance policy as well. Normally, ski
insurance policy covers other personal belongings such as digital camera,
jewelry and cash. On extra payment, laptops and mobile phones can also be
included in the policy coverage.
Types of ski insurance
Skiing can be as dangerous as it
is popular. It is imperative that a travel insurance policy covers skiing under
the winter sports category. Most of the winter sports insurance covers provide
an excellent all round cover for skiing. They include covers for own as well as
hired ski equipments, cover for lift pass and ski school costs and piste
Alternatively, an insurance
policy aimed particularly for a skiing winter vacation could become very
expensive. This is simply because of two main reasons:
- High risk injury
- Expensive nature of ski equipments in general
Medical insurance cover for
skiing varies from standard to super cover policy options available.
Ski insurance policy tips
- It would be a good idea to buy the ski insurance
policy from the travel agent who books the tickets for the intended
holiday. Alternatively, if time permits, look around for cost effective
ski insurance deals.
- Online ski insurance packages can be accessed over
the internet. The application process is simple and fast online.
- There are solo and independent travel insurance
brokers who specialize in such ski travel insurances. These brokers also
have access to better premium deals and can provide cover for a host of
- Bargains and negotiations for lower premiums can be
had among the several ski insurance providers who could be short listed.
- It should be better to opt for ski coverage for
beginners as the chance for injury is minimal with skiing instructors being
usually well trained. Whereas, the risk is much higher with extreme skiers
who run the risk with ski steep and rough terrain and their policy would
- There are insurance firms that offer heavily
discounted ski insurance for those below the age of eighteen years.
Discounts for regular skiers are also available aplenty.
- For keen skiers, a twelve month ski insurance policy
should work out less expensive and it saves the hassle of separate
policies for each trips.
Those who are planning a skiing holiday inside or
outside the country must seriously consider ski insurance cover as this sport
could be as dangerous as it is exhilarating.