Comparing ski travel insurance
You can’t beat a few days away on your skis. Whether you’re bombing down the black runs from dawn till dusk, or you prefer the sauna and après-ski, for thousands it’s a must-have holiday.
To get the best from your winter trip, there are a few things you need to make sure that you have before you go. Quality ski-wear’s an essential, to keep you warm and dry, and don’t forget the sunscreen, lip balm and ski travel insurance!
Buying travel insurance is never the best job, but it’s essential. Ski travel insurance is a form of travel insurance that’s specifically designed to protect you if things go wrong when you’re up in the mountains.
Because skiing and other winter sports are very active, it’s possible that you could get injured. Getting medical treatment abroad can be pretty pricey, especially in private medical clinics normally found in ski resorts, so people buy holiday insurance to cover the costs if something goes wrong.
Be aware that a basic travel insurance policy probably won’t cover you for skiing, so you need to buy a special kind of cover. With comparethemarket.com you should click a button to make sure that winter sports are included in your policy.
What does ski holiday insurance cover?
While policies do vary from insurer to insurer, most include emergency medical treatment costs and will get you home after medical treatment abroad, if you can’t use your original ticket. Often you’ll be covered for the costs of a friend or relative staying with you, or flying out from home to support you.
A travel policy can also cover you for the loss of your baggage, ski equipment or other possessions, or refund you if the trip has to be cancelled or cut short. Just make sure you have enough cover to fully cover your possessions.
Lots of people buy single trip insurance for their visit to the mountains, but if you have more than one winter sports trip planned in a year, it could be worth looking at annual travel insurance, as it could save you money.
So how much will it cost you to buy ski travel insurance? The best way to find out is to do a travel insurance comparison.
Where are you going?
When you compare travel insurance you first need to confirm your destination. Europe is a popular choice for skiers because the travel times are short. You’ll need to choose a policy based on if you’re going to the UK, or Europe, or the USA, Canada and Caribbean. You’ll need extra cover if you’re going to the USA, Canada and Caribbean, and if you’re going further beyond we’ll ask you to name the country as part of our quote journey.
Some people think that they don’t need winter sports insurance if they have a European Health Insurance Card (EHIC). If you need medical treatment while travelling within many European countries, the EHIC means you can get treatment on the same basis (maybe free or at a low cost) as people who live in that country. However, it will be on the basis you get taken to a public not private hospital. In the event of an emergency you will be taken to the nearest hospital. Also some policies will waive your excess if you have one.
Don’t be fooled though, the EHIC is no substitute for travel cover – it wouldn’t get you home or cover other costs linked to your medical emergency. They are also date-specific, so check the expiry on your card before you travel. Be aware too, that not all European countries recognise the EHIC.
Outside the EU of course there’s no EHIC, so it can be more expensive again to get medical support.
Who’s on the piste?
You can buy ski holiday insurance just for you, or you could buy it as a couple, cover your family or a group. If you’re including other people, make sure you have their dates of birth and details of any medical conditions they might have, so you can get an accurate quote.
How’s your health?
From an insurer’s point of view, if you have a health condition it could mean you‘re more likely to need medical help while you’re away skiing. That’s why some conditions can make insurance premiums more expensive but this isn’t always the case with all conditions.
It’s important that you do list any medical conditions and give insurers all the information they need because, if not, you might not be covered or charged. If your insurer discovers that the medical emergency on your trip was linked to a condition or injury you already had, they could refuse to pay your bills or charged.
To get you a list of quotes, we’ll ask you a few health questions and get you to name any medical conditions.
Compare and save!
You’ll now get a page full of travel insurance quotes. They are listed in price order with the cheapest travel insurance at the top.
You can also see all the main details of each policy – how well it’s rated by Defaqto, the amounts of medical, baggage and cancellation cover and how much excess you would pay if you did make a claim. You can filter your results to only show those over a certain limit, if you like.
To find out more about what is and isn’t included in the policies, click each one for more details.
Choose a travel insurance quote that suits you, then just click the button to go through and buy. But do make sure you read all the details – to check you have the right level of cover and also any limits that you should to be aware of. For example, many ski policies won’t cover you if something happens when you’re skiing off-piste.
We hope your ski trip is a great success and that you have no need to claim. Don’t forget your bobble hat!