Whether you like carving down a black diamond run or building a snowman, snow holidays are some of the most incredible experiences travellers can have. However, with all the fun and powdery goodness, there is an increased chance of injury during these trips, since accidents are common when skiing and snowboarding.
For this reason, taking out a travel insurance policy with ski cover could be advantageous for any traveller looking to hit the slopes.
Standard travel insurance policies are a must-have when trekking across the globe as they can cover medical expenses, cancelled flights and other emergency costs plus your personal belongings and travel documents if they get lost or stolen.
A travel insurance policy that covers ski trips and snow sports includes these regular inclusions (subject to a specific policy) but also cover for snow sport-related activities. So, while you’re visiting the ski slopes, a policy that covers snow sports will give you the additional cover you may need.
However, travel insurance covering snow sports generally costs more than regular travel cover policies as ski cover is typically an optional extra that you pay to add-on to a travel insurance policy.
Here are a few general categories that are common within ski cover travel insurance:
Please note that policies generally have caps on how much they cover for each scenario. Before taking out travel insurance, read the Product Disclosure Statement (PDS) to learn about the extent of your cover.
There are different travel insurance policies to choose from, including ones with add-on cover for snowboarding, skiing and winter sports, so there’s no single ‘best’ travel insurance policy for a ski trip. The key will be to see what’s listed in the Policy Disclosure Statement (PDS) and making sure you’re covered for the things you want, such as insurance cover for delays, cancellations, other adventure sports and your belongings.
Before you purchase your policy, it’s important to check the PDS for a list of exclusions – events that won’t be covered by your insurance. While these can differ from company to company, here are a few instances that most travel insurance policies won’t cover when it comes to ski trips:
Ski cover is designed to protect travellers who are specifically participating in winter sports on their travels. With this in mind, anyone who is planning to have a holiday at a ski location should consider getting travel insurance which covers snow-related activities – especially if you’re likely to partake in skiing and snowboarding.
If you’re considering taking out a policy for your trip, use our free travel insurance comparison service, to get a better idea of what’s available to you.
Unlike a lot of other travel options, ski cover is made for specific locations. For example, if you’re going to Darwin or the Bahamas, you probably won’t need to add ski trip or snow sports to your travel insurance. However, for those travelling in winter, to places that are likely to have both snow and fun activities such as skiing and snowboarding, it could be beneficial to take out cover.
Below are some popular snowy destinations abroad Aussies head to for winter sports and experiencing the joy of snow – just be sure that your travel insurance covers skiing if you plan on skiing or snowboarding in these countries (or anywhere that’s snowing during your travels):
That being said, you don’t have to leave the country to experience the snow. You can get a domestic insurance policy if you plan on skiing or snowboarding within Australia (e.g. Perisher, Thredbo or Falls Creek) which may cover, for example, some of the costs associated with replacing hire equipment or bad weather.
While ski trip travel insurance is streamlined to suit the needs of winter travellers, it’s still important to make sure you get the best cover available to you. With our free travel insurance comparison service, you can compare products from avaialble providers in just minutes.
