Travel insurance for ski and snowboard vacations – Forbes Advisor
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Outdoor-focused vacations, like ski and snowboard trips, offer levels of fun for all ages. Plus, cold weather destinations often offer resorts, shopping, dining, other outdoor experiences, and more.
But on top of the euphoria of skiing and snowboarding, there is also an element of risk, not only of injury, but also of weather delays and lost bags putting a damper on your vacation.
To be prepared, you can purchase an extensive travel insurance plan that offers important benefits such as coverage for trip cancellation, medical bills, emergency medical evacuation and more.
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Cancel winter sports vacation
Skiing and snowboarding vacations are an exciting getaway to plan and look forward to, especially if you are traveling with friends or family. Whether the trip is to Utah or Whistler, there is always a chance that something unexpected could happen and ruin the trip. For example, if a week before your trip you trip and fall while walking your dog and you break your wrist, you could apply for trip cancellation.
Trip Cancellation Insurance can reimburse prepaid, non-refundable expenses you miss out on, such as airline tickets, lift tickets, hotel stays, and transportation.
Other acceptable reasons for a travel cancellation request often include illness, death of a close family member, inclement weather, unforeseen jury duty and acts of terrorism.
Not all reasons will be covered by a standard travel insurance policy if you cancel. For example, if you are traveling with three friends and you argue a lot, you cannot request a trip cancellation.
If you want the most flexibility to change your mind about a trip, consider “cancel for any reason” coverage. This is an upgrade from a standard insurance policy and typically adds 50% to the cost. This reference cancellation insurance allows you to cancel for any reason whatsoever, provided you cancel at least 48 hours before your departure. You will receive a partial refund for your lost non-refundable deposits, typically 75%.
“Bad weather regularly interferes with flights and airports during the winter months,” explains Christine Buggy, spokesperson for Travelex Insurance Services. “Snow, blizzards and even ice can delay or interrupt your flights at an airport. “
If your flight is delayed or even canceled, losing your accommodation and lift tickets can prove costly.
Travel insurance is designed to give you peace of mind in these specific scenarios. Your policy can reimburse prepaid and non-refundable expenses so you don’t suffer a huge financial loss, Buggy explains. “Travel delay coverage is invaluable with reimbursement for additional costs such as extra meals, accommodation and transportation if you are delayed in your trip for an extended period. “
Find the required delay time and the maximum reimbursement for travel delays in your policy. For example, travel delay benefits may require a six hour delay and provide a maximum reimbursement of $ 1,000 per person with a daily limit of $ 200 per person.
The last thing you want while enjoying the slopes is to get a call you need to get home suddenly. For example, maybe your son is home and needs an emergency appendectomy. If you miss prepaid experiences like a private snowboarding lesson or whiskey tasting, you can file a claim for travel interruption coverage. Typically, this covers 150% of the total cost of the trip to account for any additional travel costs you may have on your return home.
This coverage can also cover the cost of a last minute return flight.
Do you need an adventure upgrade?
When purchasing travel insurance for a snow vacation, you want to know exactly which adventure activities are excluded from the travel insurance plans you are considering. Many exclude coverage for skiing, including cross-country skiing, heli-skiing, ski biking and ski skating. However, other cold-weather “adventure” sports are often covered, such as snow-skating, snowboarding, snowmobiling and snowshoeing.
What about snow biking, snow bob and snow tubing? You can find travel insurance policies that cover them, but be sure to work with a travel insurance agent who can identify these policies.
For example, Travelex’s Travel Select plan provides supplemental coverage for many sporting activities that would otherwise be excluded. “When you embark on more adventurous activities such as mountaineering and heli-skiing, upgraded adventure sports coverage is available,” Buggy explains.
When you check in luggage or sports equipment, there is always a risk that it will be delayed, misdirected or lost forever. This risk increases if you have connecting flights.
Buggy at Travelex notes that the most comprehensive travel insurance plans include coverage for baggage and baggage delay if your items are lost, stolen or damaged.
“Take a close look at the amount of the benefit and choose what you plan to pack accordingly,” she warns. “Higher value items may have a cap or aggregate limit and you may need to provide the original receipt if you are filing a claim. “
It can be tempting to take your furs or beautiful jewelry for a night on the town in Aspen or Sun Valley, but it’s best to keep them safe at home, she advises.
With Travelex’s Travel Select plan, the delay in sports equipment is an added benefit. “If your personal equipment is delayed for 24 hours or more, you can be reimbursed for the rental or purchase of sports equipment such as skis, boots, snowboards or other equipment,” Buggy explains.
The AXA Assistance USA Platinum policy includes $ 25 per day for lost ski days and $ 1,000 to pay for equipment rental.
The travel medical insurance included in your policy is very important when you spend the day on the slopes. This is especially true if your vacation is outside the United States and your regular health plan has limited or no global coverage.
“Injury, illness and other covered conditions can derail even the best-planned ski vacation,” said Daniel Durazo, spokesperson for Allianz Partners USA. If you have an accident on the slopes and need medical attention, your policy may cover the costs.
Travel insurance can help organize and pay for doctor’s visits, hospital stays, medications and x-rays, for example, Buggy at Travelex explains.
If your travel medical insurance is “secondary”, your own health insurance plan will have to pay first.
If you have a serious collision or head injury, you may need to be medevaced to a specialist trauma center. Medical evacuation coverage under a travel insurance policy may allow you to go to the nearest suitable hospital. Your travel insurance company’s emergency assistance team can also arrange transportation.
Buggy says, “We recommend a minimum of $ 50,000 in medical coverage and $ 500,000 in medical evacuation. Medical evacuations can be as high as $ 100,000 from Europe and $ 250,000 globally, depending on where you ski.
Should you have a Global Rescue subscription?
With a higher risk of injury on a winter sports vacation than a typical getaway, you might want extra protection. If you are heading to a remote snowy region or just want the highest level of medical emergency planning, it may be worth considering a membership in a global rescue company. For example, Medjet will transport you from any hospital to the hospital of your choice, such as a hospital near you.