January 8th, 2023 at 09:19 am
Travel Insurance for Skiing and Snowboarding Vacations
Getting out into nature and doing fun things like skiing and snowboarding is a great way to have a fun and fulfilling vacation.
But even if you’re a professional snowboarder, there’s always a chance of getting hurt. You could get wounded, lose or damage your gear, or be delayed or canceled due to inclement weather.
It’s hard to know what will happen when we travel, which is why it’s important to have travel insurance. Emergency medical expenses, evacuation, trip cancellation, and delay are covered by travel insurance.
Let’s look at the kinds of insurance that can help the most on ski and snowboard trips.
Accidental Injury
Even if you’re Shaun White, there’s always a chance you could get hurt while skiing or snowboarding. When you hit the slopes, it’s important to have the right kind of medical insurance, which can help cover any unexpected medical costs.
After all, ski accidents can be expensive, and your health insurance might not always cover them. This is especially true when going out of the country.
Also, while most traditional travel insurance policies cover normal skiing and snowboarding, they usually don’t cover dangerous sports and activities like heli-skiing. If that’s what you want to do, you’ll need to get travel insurance that covers dangerous sports.
Skiing and snowboarding aren’t covered by all sports travel insurance policies, so check before you go.
What comes with it will also change. If you get hurt on your trip, here are some things you should have:
- Medical costs: If you get sick or hurt while skiing or snowboarding, this will cover your eligible medical costs.
- Emergency medical evacuation: This coverage will pay for expensive emergency transportation if you’re injured on the slopes and need an evacuation to the hospital. Evacuating from a remote location can be expensive.
There are other types of coverage you can add, like repatriation of remains, which pays for your body to be sent back to your home country if you die. However, the most important ones are medical expenses and emergency medical evacuation.
If you have health insurance but aren’t sure if you need this coverage, contact your provider.
Damaged or Lost Equipment
Snowboarders and skiers who aren’t afraid to try something new can also benefit from luggage perks included in their travel insurance policy. Traveling with expensive snowboards and ski equipment comes with the risk of losing, damaging, or having it stolen.
Travel insurance’s baggage and personal belongings loss coverage normally include sporting equipment, but check the fine print.
If you choose this coverage, you will be paid back up to the amount your policy says for any lost or broken equipment. If your policy has a $5,000 cap, it means that the insurance company will only pay out up to that amount. So make sure you receive adequate coverage for the tools you have.
Some policies may cover personal equipment delay charges. If your snowboard is delayed for 24 hours or more and you have to rent gear, you can be paid.
Weather Delays:
Snow may prevent you from skiing or snowboarding in the winter.
Winter snowstorms and blizzards often cancel flights. Travel delay insurance may cover lost expenditures if your flight is delayed or canceled.
If your vacation was canceled due to a delay, you could have your money returned if you pre-purchased lift tickets or ski gear. If your flight is late, you may be reimbursed for extra meals and hotel stays.
Remember that every travel delay insurance coverage has rules, such as the delay duration. Some policies cover you after 6 hours, while others demand 12 or more.
Travel delay insurance policies should be reviewed carefully to determine the length of the delay and any exclusions or limits.
Cancellation of a Skiing and Snowboarding Trip
Whether you’re going skiing, snowboarding, or somewhere else, there’s always a chance you’ll have to cancel your trip.
There are many things that could happen out of the blue that would force you to change your travel plans. You or a family member could get sick, someone in the family could die, bad weather could cancel your flight or cruise, and so on.
In short, things happen in life, and sometimes we have to change our plans. This is where canceling a trip can come in handy (or at least, improve it). When something bad happens, the last thing you want to worry about is how much it will cost to change your travel plans.
Trip cancellation refunds non-refundable fees including flights, accommodation, ski or snowboard equipment rentals, lift tickets, and more.
Just remember that there are exceptions to every travel insurance policy. Your policy for canceling a trip won’t cover everything, and not every reason to cancel is a good one. If you and your spouse have a fight about who’s a better snowboarder and you decide to cancel your trip because of that, you won’t be able to.
If you wanted to cancel for any reason, you would have to pay more for a special trip cancellation policy that would give you more freedom. Even with this policy, there are usually still rules, like not being able to cancel in the last 48 hours. So be sure to read your policy carefully.
One Last Thing
Skiing or snowboarding? Invest in good travel insurance. To enjoy your vacation to the most, get a flexible “cancel for any reason” policy or a comprehensive one.
Protect your outdoor trip investment by protecting rental equipment, ski lifts, and other charges.
Travel insurance is a good idea.
Compare and buy travel insurance plans from the best companies by clicking here.
Related Stories
- TRAVEL INSURANCE FOR RELATIVES VISITING THE UNITED STATES
- USA TRAVEL HEALTH INSURANCE THAT COVERS PREGNANCY
- WHAT TO KNOW ABOUT MEDICAL EVACUATION INSURANCE PLANS
- WHAT TO KNOW ABOUT PREGNANCY AND TRAVEL INSURANCE COVERAG