It’s always important to get good travel insurance with broad cover at a low price wherever you decide to take your holiday. But when you go to the mountains for a skiing holiday, there are certain things you should look out for, as skiing has particular risks and dangers that you and your party need to be well protected against.
Firstly, you should ensure that your policy gives you 24-hour assistance. This is one of the central benefits of any ski insurance cover policy. It will give you an emergency contact number which you can use if any medical issue or emergency should come about when you are on your holiday.
You should be able to get a policy which affords you cover for mountain rescue, but always check with the insurance provider and take nothing for granted. Some will only provide mountain rescue as long as you aren’t lost and are not in a zone where you have been advised to avoid.
Ski equipment of course can be a significant expense, and some providers will offer you cover for this, whether yours is hired or owned. Make sure you know exactly what is covered as lost or stolen baggage may also be protected.
Equipment which is lost or stolen may be replaced under some policies at existing market value. Going on the slopes carries with it certain risks, not only to you but also to other skiers. For this reason, you should make sure your policy includes liability cover should the worst happen.
Some insurers will be willing to offer you a policy which will cover you not just for skiing but for taking part in a wide range of winter sports such as sledging, snowboarding and recreational racing. If you look around you may be able to benefit from this.
You should check to see if your policy gives you cover in the event that you need additional accommodation and travel to be provided. Sometimes this may become necessary, for example if you have a delayed departure, a medical emergency which requires you to travel elsewhere, or if you have to be moved to a different resort because of bad weather or poor conditions for skiing.
You are also likely to find discounts if you book online or purchase cover for longer periods. So long as you take the time to look for a travel insurance policy which includes all these benefits, you’ll be able to make sure that everyone in your party is well protected so that they can enjoy their time on the ski slopes in peace of mind.
