YOU ASK:

What are the things that make an excellent winter sports travel insurance product?

WE ANSWER:

Winter sports travel insurance is a specialized travel insurance product that not only covers risks involved in your travel, but also risks involved in your participating in winter sports activities as well.

Of course, there is an added risk when you go skiing or snowboarding. And the risks are unique to the sports. There is an added cost to being covered for winter sports as well.

When you are looking for this product, look for something that will fully cover what you need. When it comes to winter sports travel insurance, what is described as "winter sports" to one insurance provider is not necessarily considered a "winter sport" to another provider.

So, a good winter sports travel insurance plan is one that covers the activities you are looking forward to indulging in during your holiday.

Read to see the definition the insurance provider has for "winter sports". Does this only limit you to skiing and snowboarding? Can you go off-piste or do you need to stay on specified types of slopes? Will you need a guide or instructor during the sports activity? Does it cover bob-sleighing, tobogganing and cross-country skiing? Know the limits and exactly what the policy covers.

Your definition of "safe" will not be always in agreement with the insurance company's "definition". Thus, you have to know all these details before hand.

Aside from the sports being covered, you should also know the benefits provided.

A comprehensive winter sports travel insurance will also aim to protect you against the following risks:

  • Lost or delayed baggage
  • Trip cancellation
  • Rental fee cancellation (for skiing equipment)
  • Closure of piste. Covered instances include closed slopes because of poor snow, avalanche or treacherous winds. When this happens, the insurance company may pay for every day that you are unable to participate in your planned winter sport.
  • Equipment insurance. This can cover for loss or repair of expensive ski equipment due to damage or theft. This benefit is only when you have shown that you have also given your equipment sufficient care, as if the equipment was not insured.
  • Ski lift passes. This may include lost ski-lift passes, as well as unused ski-lift passes due to closure of the lift, bad weather, illness or injury.
  • Emergency evacuation. Covers for the need to have you airlifted or transported to your home country or to the nearest hospital using emergency transport such as an ambulance or helicopter.
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