Skiing Tips : Insurance Considerations
Arranging insurance is the topic for this part of our learn to ski guide.
Accidents happen, and a third of all skiers do not purchase insurance to protect themselves from what could end up being thousands of dollars worth of medical and rescue bills.
Stolen or broken equipment, baggage loss, piste closure, personal liability and repatriation could also leave you out of pocket.
That’s why it is recommended that you invest in some insurance that will cover your skiing trip. How can you choose, however, from the tremendous range of polices out there?
The first consideration is what kind of skier you are. Even the cheapest policies of insurance can cover those folks who are at a beginning or inexperienced level, and who plan to stick to the piste. Such policy prices start at approximately $30 and can be bought direct from the travel agent you book your holiday with or even from some supermarkets.
More advanced skiers who will be doing off-piste, heli-skiing or cat-skiing will need policies that cover those activities. {Premiums can be significantly more expensive in line with the increased risk or danger and you should expect to have to use a specialist insurance provider to be fully covered.}
You must also consider how much coverage you need. Within a policy of insurance, there can be different bands of coverage, whether or not your activities change. For example $1,000,000 medical expenses on a premium policy or $250,000 for a basic policy. Also, pay attention to the excess payments required on any claims made; they can be quite substantial on cheaper policies.
No matter what policy or coverage you elect, you must purchase your policy before you travel, or it will not be valid. Auditors always ask for proof of travel, such as air tickets, to guard against people buying insurance after their accident.
Finally, be informed about your coverage by reading the policy thoroughly, particularly the fine print, to make sure it covers what you need it to cover. Read through it thoroughly before signing the contract and ask questions about any aspects of it that you’re unsure about.
by harry on May 1st, 2013 Tags: ski insurance, skiing, sports, vacations
Posted in global news | No Comments »
