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skiing essentials essentials insurance guide

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Below is a list of the things which are typically overlooked when it comes to organising your ski insurance...
Lift Closure
Freak weather is not uncommon, but this does not mean you can necessarily claim. Lift operators are under increasing pressure to keep at least one lift open so not to deter trade. Check that your lift policy will payout if at least 80% of the lifts are shut.
No Snow (or even too much snow!)
Some policies will not cover for 'no snow' as lifts can still be open. Also, you may find that lifts are closed because of too much snow, gales, power cuts, or even because the pisteurs are on strike!
Theft
You need two types of cover for when you leave your gear whilst you're in a mountain restaurant. For the actual loss, beware policies which exclude possessions 'left unattended'. The second cover will pay for you to hire more equipment for the remainder of your holiday.
Off piste
This is obviously one of the most dangerous exclusions due to limitless medical bills which could arise. A heli-rescue could be 600 in Europe and over 1100 in the USA. Most policies will include off-piste BUT as long as you're led by an instructor. Don't be fooled by following a well worn track- it may be outside the patrolled area, and not included in your policy.
Physiotherapy
Most insurers exclude it for trauma patients, but some will cover it.
Loss of lift pass
No-one wants to replace a pricey lift pass. Make sure your policy covers its loss.
Racing
Beware - Many plans will EXCLUDE the traditional end of ski-school race.
Avalanche
You will likely receive the medical cover, but check the small print to see if you will be covered for costs arising from not being able to get to the airport, or indeed your resort if you haven't even got there yet.


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Ski, Snowboard and Travel Insurance advice for a worry free trip