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snowboarding are dangerous sports. But, it is the risk that makes it
so much fun. Ski insurance is essential, and must provide adequate
coverage for lost and damaged equipment, search, rescue and
emergency medical treatment. Every year thousands of enthusiasts
suffer injuries requiring rescue and immediate medical attention.
Rescues can be extremely expensive, especially if they require the
use of a helicopter for emergency medical transport. Medical
treatment, particularly when travelling abroad, increases the
expense to nearly astronomical sums of money. For UK citizens, it is
important to know if their national insurance will provide cover in
the foreign country they are visiting.
The Ski Club of Great Britain offers ski and snowboarding insurance
policies for single trip and annual multi-trip covers at three
levels. The Standard Cover includes cover for skiing and
snowboarding both on and off piste, with or without a guide as well
as cross country skiing, ski touring, recreational racing, snow
shoeing, dog sledding, ice skating, curling and tobogganing is
available to non Ski Club Members for single trips only. The Super
and Executive levels, which are available only to Ski Club Members,
can be purchased for single trips and for annual, multi-trip cover
with higher claim limits.
In addition to covering trip cancellation or curtailment, ski
insurance will cover emergency medical and associated expenses,
including extra travel and accommodations, dental treatment, funeral
expenses, hospital stays and search and rescue efforts. These covers
may be for reasonable expenses or for set limits. Typical personal
accident covers are for death benefits, permanent loss of a limb or
sight and permanent disability. Additional benefits may include loss
or delay or personal possessions including passports, owned and
hired sporting equipment, money, personal liability, legal expenses
and piste and avalanche closures. Some insurers, such as Travel
Insurance and Holiday Insurance, will also cover family members less
than 18 years of age for free.
Ski insurance can take the worry out of a winter holiday by
providing cover for skiing, snowboarding and other winter sport
activities plus equipment. An E111 may help cover medical expenses
but it will not help to pay for lost and damaged equipment.
Additionally, it may not cover medical expenses at all, depending on
the country where the accident, injury, or illness has occurred.
Having adequate cover for unexpected events that may arise is the
most valuable benefit of travel and ski insurance.
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