Winter sports like skiing or snowboarding can be dangerous, especially if you are just starting to learn the ropes. You can slip, fall and break your bones. But the risk of hurting yourself should not deter you from trying out winter sports. You can always get winter sports travel insurance to compensate you in case you suffer such injuries.
Read on to learn more about this type of insurance.
What it Covers
- It can compensate you for broken or lost gadgets like your camera.
- It can compensate you for broken or lost sporting equipment such as those for skiing or snowboarding.
- It can provide you with replacement sporting equipment when the one you owned is lost, damaged or stolen.
- It compensates you for your medical expenses such as when you break a limb or a bone.
- It can give you access to full medical assistance in the event you suffer an injury.
- It can provide you emergency helicopter rescue should you need one.
- It can compensate you in the event you are unable to take your booked ski lessons due to illness or accident.
- It can compensate you if you are unable to use the slope if it is closed due to bad weather or lack of snow.
Coverage for the following may be subject to additional charges on your winter sports travel policy: curtailment, baggage, passport loss, abandonment, cash, personal liability, cancellation, medical expenses, missed departure, valuables, ski equipment and documents.
Things to Remember
Most policies will only cover you if you engage in winter sports within a specific resort. If you venture out of the agreed upon location, you may not be entitled to claim on your insurance.
Some policies will require that you be accompanied by a registered and qualified guide when you engage in winter sports, otherwise, your claim may not prosper.
While you may be entitled to compensation if you are unable to use the slopes due to bad weather or lack of snow, some policies will require that this occur during local regular ski season and provided further, that your policy was purchased more than 14 days before departure date.
Most ski policies will not cover competitive skiing or practice for such competition. Thus, ice hockey, use of bobsleighs or skeletons, and ski jumping are usually excluded from your policy.
While you may be entitled to compensation in the event that your sporting equipment is stolen, lost or damaged, remember that you will only be compensated for the value of the equipment stated in your policy. The value will take into account, the age, condition and repair status of your equipment. When you make a claim, you may need to present maintenance or repair receipts and proof of purchase to support the value of your equipment.
As they say, prevention is better than cure. While you may have winter sports travel insurance, it would still be preferable if you don’t have to claim on said policy by taking the necessary precautions before you engage in winter sports. You should be fit before going to your ski holiday. You should use the correct equipment. You should wear protective gears like helmets. You should take lessons, whether you are a beginner or a regular in winter sports. You should always have company who can look out for you. Most importantly, you should ski within your limits.