It doesn’t take very long for the mountains in the U.S. to go from a pleasant green to white as the snow falls getting the resorts ready for a new season of skiing. Unfortunately last year saw some of the worst snowfall in years making it impossible for many people to enjoy a skiing vacation as there was too little snow for the average skier who may be confined to the lower slopes.
Each year though, many thousands of skiers, new and old, fall foul of the slopes, returning home with injuries they were not expecting. Of course, winter sports insurance packages are available although you will often find that regular travel insurance will cover most skiers or snowboarders if they fall into the novice and intermediate categories.
This is the vast bulk of the market and yes, accidents do happen but they are more likely to be in a controlled fashion, by that we mean on well groomed slopes, with assistance and help on hand. Problems normally occur when the skier has gained sufficient experience to want to try something a little more challenging and to use slopes that are not patrolled. Insurance providers know where the real skiing and snowboarding dangers lie, and there policies reflect this so many of them will restrict the type of cover they provide in these instances.
People that regularly ski on remote mountains need to be aware of any restrictions placed on these activities by the insurance company in advance or they may find they do not have cover should an accident occur. What’s more, the increasing popularity of ‘half pipes’ and ‘free style’ means that the potential risk of injury has increased as more and more people are attracted to this enjoyable leisure pursuit.
Fortunately it is possible for expert skiers to have winter sports insurance that covers some of these more dangerous activities and this need to be taken out if they want to maintain cover for pursuits of this kind. Some travel insurance policies do not actually cover winter sports at all and is important that this is checked in advance of travel; others however often allow this to be added on as an extra cost option.
There are many companies who offer a winter sports holiday insurance policy as a standalone package but it is important to compare features during the quoting process to see exactly what you are getting for your money. Other eventualities should also be covered by your travel insurance such as the damage or loss of skis for example and some will also compensate when the resort has been forced to close.
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Unfortunately, it is the more experienced skier and snowboarders that require winter sports insurance as they are at greater risk of a serious injury and if they need to be flown from the resort to hospital or home, the costs soon increase. As you are being strapped to the rescue sledge, it will probably be too late to wonder whether the travel insurance you bought before the holiday is going to cover you so do yourself a favor and know before you go.
