Whether you like carving down a black diamond run or building a snowman, snow holidays are some of the most incredible experiences travellers can have. However, with all the fun and powdery goodness, there is an increased chance of injury during these trips, since accidents are common when skiing and snowboarding.
For this reason, taking out a travel insurance policy with ski cover could be advantageous for any traveller looking to hit the slopes.
How does a policy for skiers differ to a standard travel insurance policy?
Standard travel insurance policies are a must-have when trekking across the globe as they can cover medical expenses, cancelled flights and other emergency costs plus your personal belongings and travel documents if they get lost or stolen.
A travel insurance policy that covers ski trips and snow sports includes these regular inclusions (subject to a specific policy) but also cover for snow sport-related activities. So, while you’re visiting the ski slopes, a policy that covers snow sports will give you the additional cover you may need.
However, travel insurance covering snow sports generally costs more than regular travel cover policies as ski cover is typically an optional extra that you pay to add-on to a travel insurance policy.
What does travel insurance with ski cover include?
Here are a few general categories that are common within ski cover travel insurance:
- Medical/Emergency rescue: Skiing and snowboarding can be exhilarating, but both activities involve potential risks. If you get injured while on the slopes, both the transportation away from the slopes to the hospital and medical treatment could set you back thousands of dollars. Ski trip travel insurance policies could cover these expenses, which in turn could help take the worry away while you’re having fun on the mountains.
- Accidental equipment damage: The equipment you use may be damaged accidentally. However, travel insurance doesn’t cover damage to ski equipment when it was in use. Your travel insurance policy with snow sports cover should help pay for repairs. This can cover both hired gear and your own equipment.
- Unused equipment and passes: If you are unable to use hired equipment you’ve paid for, pre-paid ski lessons or lift passes due to sickness, injury or a lost/stolen pass – your policy may reimburse you. Some of these costs may include equipment hire, ski/snowboard lessons, lift passes and any similar services/passes you may have previously paid for.
- Closure due to weather conditions: While these destinations need snowfall to be operational, sometimes the weather can get a bit out of hand. If a ski field is closed due to poor weather conditions or a power failure preventing the lifts from working, your policy could cover some of your additional expenses to travel to the nearest resort and/or the cost of additional lift passes.
Please note that policies generally have caps on how much they cover for each scenario. Before taking out travel insurance, read the Product Disclosure Statement (PDS) to learn about the extent of your cover.
What’s the best ski and snow sport travel insurance?
There are different travel insurance policies to choose from, including ones with add-on cover for snowboarding, skiing and winter sports, so there’s no single ‘best’ travel insurance policy for a ski trip. The key will be to see what’s listed in the Policy Disclosure Statement (PDS) and making sure you’re covered for the things you want, such as insurance cover for delays, cancellations, other adventure sports and your belongings.
What does snow trip travel insurance exclude?
Before you purchase your policy, it’s important to check the PDS for a list of exclusions – events that won’t be covered by your insurance. While these can differ from company to company, here are a few instances that most travel insurance policies won’t cover when it comes to ski trips:
- Travelling to snow destinations outside of the season: It may be tempting to avoid the seasonal rush and go to the slopes before or after the snow season. However, insurers may not provide coverage during these times. It’s best to check with your insurance company what dates they have approved.
- Activities outside the resort’s boundaries: While you may consider yourself adventurous, or even a seasoned skier/snowboarder, it’s recommended you stick within the designated areas of your chosen snow resort. Any off-piste activities that occur outside of the designated boundaries might not be covered by your policy.
- Accidents while under the influence: It’s great to have a drink or two while you’re on holidays, but not if you’re looking to partake in any snow-related activities. If you have an accident and it’s determined that you were under the influence, you may not be covered.
- High-risk activities not covered: Before undergoing any downhill runs, make sure it’s an activity that is approved by your insurance company. Even travel insurance policies with a ski trip or adventure sports add-on have limits on the number of activities they will cover you for. For example, some insurers will cover heli-skiing and glacial skiing whereas others will not. Anything that isn’t covered which results in injury may cost you dearly.
What should I consider when purchasing travel insurance with ski cover?
Ski cover is designed to protect travellers who are specifically participating in winter sports on their travels. With this in mind, anyone who is planning to have a holiday at a ski location should consider getting travel insurance which covers snow-related activities – especially if you’re likely to partake in skiing and snowboarding.
If you’re considering taking out a policy for your trip, use our free travel insurance comparison service, to get a better idea of what’s available to you.
Who should consider adding ski cover?
Unlike a lot of other travel options, ski cover is made for specific locations. For example, if you’re going to Darwin or the Bahamas, you probably won’t need to add ski trip or snow sports to your travel insurance. However, for those travelling in winter, to places that are likely to have both snow and fun activities such as skiing and snowboarding, it could be beneficial to take out cover.
Popular snow sport travel destinations
Below are some popular snowy destinations abroad Aussies head to for winter sports and experiencing the joy of snow – just be sure that your travel insurance covers skiing if you plan on skiing or snowboarding in these countries (or anywhere that’s snowing during your travels):
That being said, you don’t have to leave the country to experience the snow. You can get a domestic insurance policy if you plan on skiing or snowboarding within Australia (e.g. Perisher, Thredbo or Falls Creek) which may cover, for example, some of the costs associated with replacing hire equipment or bad weather.
Compare travel insurance
While ski trip travel insurance is streamlined to suit the needs of winter travellers, it’s still important to make sure you get the best cover available to you. With our free travel insurance comparison service, you can compare products from avaialble providers in just minutes.