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Like all adventure sports, it can be difficult to secure quality ski insurance due to the inherent risk of injury or death. Skiing presents a risk for insurers, which is why many are reluctant to offer policies. To be covered for skiing it needs to be specifically included in the policy, as normal insurance does not cover skiing.
Costs, policies and finding quality ski insurance
Most insurers will offer coverage if you are willing to pay the right price to secure it. Insurers such as 1 Cover and ski-insurance.com.au are good places to explore ski insurance information.
Injury and medical bills are covered under a standard policy, which is especially useful if you are in a foreign ski destination such as Canada or Japan. The last thing you want to be doing is paying expensive medical bills when you should really be on holidays.
Ski cover extras
Some specialised insurers allow coverage for the following:
- Hiring more ski equipment in the case of yours being lost, damaged or stolen. You can also opt to cover any hired equipment that you are using in case they are damaged, lost or stolen
- Coverage for lost or stolen ski passes and if you become too ill to ski
- If your holiday is interrupted due to poor snow or other weather conditions and you are unable to travel to your designated resort as a result, some insurers will cover additional accommodation charges
- Coverage if the resort you booked is subject to closure. This is known as piste closure and is a clause that should be considered
Your claim may be adversely affected if you travel against weather advice or if you are in a place that was not specified in the policy. The quality of your equipment and your experience level may also be factors.
