Guide to Ski Travel Insurance

You can encounter a variety of risks on your travels, depending on the activities you have planned. Ski travel insurance is designed to meet the specific risks and consequences associated with a skiing holiday. This will be reflected in the contents of a ski travel insurance company, with both limitations and benefits reflecting the skiing activity.

Small print and ski travel insurance

If you look at the small print of standard travel insurance cover, you'll notice that skiing and related activities are usually excluded. This means that if you make a claim in relation to a ski activity, your insurer is unlikely to pay out. This is where a ski travel insurance policy provides you with vital financial protection. Unfortunately, accidents happen when you're skiing. Add to this the fact that medical bills and ski equipment do not come cheap and you'll see the need for ski travel insurance cover.

Finding ski travel insurance is a fairly easy task. Even finding cheap ski travel insurance is not too difficult. However, when you're insuring a specific risk, it is the content of a ski travel insurance policy which is important. If you're offered a deal which looks too good to be true, it probably is! Check the ski travel insurance small print for limitations and exclusions.

Key elements to ski travel insurance

When you buy a ski travel insurance policy, it is important to check your cover includes snowboarding and skiing off-piste, suitable medical cover (especially if you plan to go to the United States), rescue and repatriation, piste closure and avalanche cover as well as personal liability and legal fee protection. There's little point in taking out a ski travel insurance policy if any of these are missing - you stand to lose too much!

Off-piste ski travel insurance

A number of court cases following deaths and injuries resulting from skiiers venturing off-piste have focused on whether the skiier took notice of the warning signs. Be sure to check signs (which should be clearly marked) and know what your policy says on the subject so as not to invalidate your ski travel insurance.