To ski or not to ski? Winter sports insurance explained…

With lots of cheap online travel deals on last minute skiing packages, the lure of a winter sports holiday is very tempting. You can do so much more than just ordinary skiing and snowboarding on your holiday. Many resorts offer snowmobiling, dog sledding, ice diving and many more adventurous activities; but what about essential winter sports insurance cover to protect you on your trip. Read on to find out more…

The winter sports industry is very ingenious and often you will find a new activity available every year. It is very important to check with your insurer before you go that you are covered for your snow-filled activities.

Winter sports facts
According to the Ski Club of Great Britain, one in three people don’t take out travel insurance when they go skiing. If you do take out a ski travel insurance policy, three per cent of you will need to make a claim.* If you hurt yourself on the slopes, being rescued is expensive especially if you need to be airlifted off the mountain.
*source – Skiclub.co.uk

The most common ski injury is damage to the knees, such as ligament tears where treatment costs can be as much as £2,500 in the US or £700 in Europe.* Add the costs of air ambulance rescue from the slopes plus the initial medical treatment and you’re left with a hefty bill running into the thousands. Do make sure that your winter sports travel insurance policy covers you for all types of mountain rescue. Keep your travel insurance details and your EHIC (European Health Insurance Card) on you while on the slopes to avoid any potential delays with treatment.

*source – Ultimate-Ski.com

EHICThe EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Area (EEA) country or Switzerland. But the EHIC only gives you access to state-provided medical treatment only. This might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to contribute to the cost of your care and it will not cover personal repatriation.

Winter Sports travel insurance covers many things that standard travel insurance and the EHIC do not. The EHIC is definitely no substitute for comprehensive travel insurance.
Check out 24/7 travel insurance for cheap winter sports insurance cover.

Remember…
It is not just medical emergencies that winter sports travel insurance can protect you from financially – policies may include:

  • cover for stolen or broken ski equipment
  • baggage loss
  • piste closure
  • personal liability
  • loss of ski passes and repatriation

So check your winter sports travel insurance cover carefully to avoid being left out of pocket!

Don’t forget your travel insurance!
Travel Insurance with winter sports cover can be purchased for just £9.73** at http://www.247travelinsurance.co.uk/ – a small price to pay to be able to relax and really enjoy your winter sports holiday!

Please note: 24/7 travel insurance ‘Winter Sports’ option covers you for winter sports activities but excluding ski racing in major events, ski jumping, ski mountaineering, ice hockey, the use of bob sleighs or skeletons, ski touring, ski randonee (unless with a professional qualified guide) and off piste skiing whilst alone and/or against local authority warning or advice).
** Premium £9.73 includes Insurance Premium Tax, personal possessions cover and winter sports cover. Based on a ‘standard’ single trip 24/7 travel insurance policy for one adult aged under 55 travelling to Europe for 3 days. Policy purchased within 14 days of departure date. Cover details and prices are correct at time of going to press (January 2009) and are subject to change.