Ski insurance is necessary for mountain sports
Skiing is the most popular winter sport in the world. Even when riders take great care, skiing is a risky sport. Injuries are unfortunately commonplace. Expert skiers can actually be at higher risk of serious injury because although they are less likely to be injured, the higher speeds and more difficult terrain can increase the severity of injury. There is a big difference between falling on a bunny hill and a double black.
As long as you are sticking to marked, open runs, you can get ski insurance. Ski insurance is a more difficult form of insurance for brokers to calculate. This is because riders not only have a wide range of skills but also a wide range of risk acceptance. Some skiers will go for decades without ever stepping foot on the most difficult of terrain, while others will be drawn to it instantly. Despite this, you can find ski insurance at reasonable prices.
Ski travel insurance not a choice. It is a necessity
When you hit the slopes in a foreign country, you 100% need to be covered by ski travel insurance. The helicopter that may be required to airlift you out of trouble isn’t cheap, and neither is the highly trained pilots time. Many travelers are covered by their bank account or credit card for a reasonable amount of travel insurance. This reasonable amount of insurance very rarely covers skiing and other mountain sports. Double check the fine print before you trust your travel insurance for risky winter sports.
You can get ski insurance very cheap. It can be just a few Euro for your entire trip. But when you use cheaper ski insurance options, you are getting the bare minimum in terms of coverage. Do your research before you purchase. It’s possible the less expensive options are fine for you, but after spending time comparing ski insurance you will find yourself gravitating away from the dirt cheap options. Learn more about what to look for when purchasing a policy by reading our guide on issues and factors you need to understand when purchasing insurance.
What is not typically covered by ski insurance?
You will not be covered if you are skiing down unmarked or off limit areas. There are some ski insurance policies which do allow you to ski down unmarked trails within certain boundaries, but these are not the norm.
Alcohol can quickly bar you from receiving a payout. This is very important to understand because there are often restaurants and bars on the slops which serve wine and beer. Read through the fine print. Do not assume that you can have a pint, get in an accident while feeling completely sober, and get paid.
There are many other exclusions that can occur with ski insurance. Because of the relatively high frequency of accidents, it is even more important that you fully read through your policy. You probably won’t be covered for your skis snapping while you hit a jump!
Will your insurance cover your entire stay?
Many frequent travelers purchase multi-trip insurance. If you decide on a policy that includes winter sports, there is likely to be a limit to how many days of the year you can be skiing.
If you are buying ski travel insurance specifically for your trip then you will most likely purchase it for the week or two that you are skiing. In case you want to stay and extra day or are unsure of the weather, you will want a flexible insurance provider or to purchase a few extra days “just in case”.
If you can afford to ski, you can afford the insurance.