If you’re planning a trip to the slopes this winter, covering yourself with ski travel insurance is ideal in case something goes wrong. But what exactly are you covered for?
Q1. Am I automatically covered for a trip to the snow when I purchase travel insurance?
In most cases, no. You’ll need to take out a standard travel insurance package for your destination and then opt to include additional cover for winter/snow sports.
Q2. What’s usually covered with winter/snow/ski travel insurance?
Coverable items will differ depending on the insurer, but in general, it’s a good idea to make sure you have cover for:
- Gear like skis, snowboards, boots/bindings and helmets
- Any activities you want to do (see more below in Q3)
- Prepaid lift passes, lessons or bundled packs
- Piste and lift closure
- Avalanches that interrupt or delay your plans (see Q5 below)
As always, find out what limits you’ll be able to claim if you need help and familiarise yourself with the terms and conditions relating to each item.
Q3. Will I be covered for all snow activities I take part in?
Yes and no. Most ski travel insurance in Australia & worldwide will cover you for standard sports like skiing, snowboarding, snowmobiling and tobogganing. But other sports, like sleigh riding or off-piste skiing, might not be covered.
It’s up to you to check exactly which activities you’ll be covered for and which you won’t. If in doubt, ask the provider or check the Product Disclosure Statement!
Q4. What if I’m injured on the slopes or fall sick?
In most cases, your standard travel insurance should cover injuries or illnesses, including those that happen while you’re on the slopes.
It can be a good idea to search for policies with unlimited medical and hospital cover so that if something does go wrong, you won’t be restricted on how much you can claim. Just remember to declare any pre-existing medical conditions when purchasing the insurance.
Q5. What if there’s an avalanche?
When you take out travel insurance with ski cover, it should cover you for travel delays due to an avalanche. This usually applies whether you’re trying to get to the slopes or leave it to go home.
Check how many hours need to pass (e.g. 24 hours) before your cover will kick in and find out exactly how much you can claim.
Q6. What else is important when it comes to snow trips and travel insurance?
This will depend on your specific snow plans, but in general it can be beneficial if you’re covered for things like:
- Cancellations and delays, in case you need to cancel your trip because of an emergency or if you encounter extra expenses because your outgoing flights to Australia are delayed.
- Baggage,valuables and devices that you’ll be taking with you. If you’re going overseas, you might also want cover for your passports, cash and other travel documents.
- Rental car excess waivers if you plan to hire a car. If something happens to the car and the rental company requires you to pay an excess (which can often be quite high), your insurance can cover this.
- Any other off-slope sports/activities that you want to participate in, whether snow-related or not (e.g. bungee jumping, glacier skiing).
Are you a newbie getting ready for the snow? Check out the first-timer resort FAQs for skiers.
This article is provided by InsureandGo.