YOU ASK:

Will my ski travel insurance plan cover me when I indulge in snowboarding or other winter sports?

WE ANSWER:

Yes, there are travel insurance plans that cover you for a variety of winter sports travel, which includes skiing and snowboarding. Other winter sports activities that you can indulge in include cross-country skiing, mono skiing, tobogganing, ice skating, and riding on the snow mobile.

It really is reassuring to know that when you take the slopes or get on your snowboarding gear, that you are covered with adequate winter sports travel insurance. This can cover you regardless of your level of expertise - whether you are just getting your first lessons or whether you are a veteran at the black runs.

A decent winter sports travel insurance will provide you with coverage for piste rescue, refunds for piste closure and unused lift passes, as well as personal liability. It will also prove helpful when you need medical treatment for emergencies, as well as repatriation to your home country. Most plans also cover against hired or owned equipment and personal liability.

When buying ski insurance or snowboarding insurance, be sure to check the fine print. Various travel insurance companies have varying definitions of the meaning of the term "winter sport". It may include all the winter sports activities or limit it to specific activities or to assert that the activities have to be guided. And even if, to you, an activity seems harmless, the insurance company may think otherwise, so never assume. Always read your policy's terms and conditions.

The travel insurance company that provides you with insurance coverage expects you to be responsible for your own safety and that you will make sensible decisions regarding your safety. This means that the company will not pay if you indulge in off-piste skiing or if you skin in an area that your ski center has declared as unsafe for skiing.

If it is also determined that a loss incurred because of your own carelessness and neglect, that claim will not be payable. For example, if you go inside the hotel before you secure your skis and they get lost, the insurance company will not pay due to the fact that it was an act of negligence on your part.

Having ski travel insurance not only covers you when you go snowboarding or skiing, it also protects you against the usual risks involved in traveling.

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