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Anyone with a bit more than sawdust upstairs should realise that travelling without travel insurance is, well, very unwise to say the least. Accidents can and do happen, not least in the winter months, when hordes of city folk and others race to the slopes, whiz down them, and duly break their legs. Woe betides anyone who thinks skiing or snowboarding without insurance is a good idea. In short, travel insurance is highly recommended if you are going skiing.
Why is winter sports travel insurance different?
Although you might argue 'I've got nothing valuable', think of the medical costs if something were to go wrong. For this reason, travel insurance for winter sports should be a priority.
Most companies offering regular travel insurance exclude skiing (generally termed 'winter sports' and scuba diving). The reason for this is fairly simple; they could never afford to pay off all the claims that injured skiers make if they were charging the same price as basic travel insurance.
What does winter sports travel insurance cover?
Winter travel insurance might seem expensive, but it covers a range of things. As well as usually having a rather high maximum claims amount in regards to medical cover, or flying home to a hospital of your choice in an emergency, other things are covered too. This might mean a higher maximum for claims on stolen or damaged property (with expensive winter sports equipment in mind), or it might mean that bad weather and slope closures, things that can ruin a ski holiday just as much as a cyclone can ruin a trip to Fiji, are covered. Thousands of dollars can be wasted due to the weather, so it's handy to be covered. Companies offering ski insurance also know that people make bad choices up the mountains, with many offering to cover the cost of emergency rescues. Finally, some companies may also cover the cost of your slope passes and even part of the costs of your equipment hire.
Reputable companies that offer insurance below the cost of that in high street agencies include companies like One Cover and Ski Insurance Australia.
