Comparing travel insurance for your snowboarding trip
There’s nothing quite like a week away in the snow. Whether you’re a hardened snowboarder who’s on the slopes from dawn till dusk, or you prefer a more leisurely break with plenty of après-ski, for many 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. Good quality snowboarding gear is a must, to keep you warm and dry, plus you’ll need sunscreen, lip balm and snowboard travel insurance!
Buying insurance is never the most fun job, but it’s essential. Snowboard travel insurance is a form of travel insurance designed to protect you if things go wrong when you’re far from home.
Because snowboarding and other winter sports are very active, it’s possible that you could get injured. Needing medical treatment abroad can be pretty pricey, so people buy holiday insurance to cover any costs if something goes wrong. Be aware that a basic travel insurance policy probably won’t cover you for snowboarding, so you need to buy a special kind of cover.
With comparethemarket.com you will need to click a button to make sure that winter sports are included in your policy.
What does snowboarding holiday insurance cover?
While policies can vary from provider to provider, most should include emergency medical treatment costs, like hospital or ambulance fees. If you’ve missed your flight or train home because of an accident or illness, you’re usually covered for getting home. You could be covered for the costs of a friend or relative staying with you during treatment, or flying out to support you if needed.
Many policies can also cover you for the loss of your baggage, snowboarding equipment or other possessions, or refund you if your trip is cancelled or cut short for some reason. Just make sure your level of cover is enough to cover the cost of your equipment.
Many 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 – it could save you money.
So how much will it cost you to buy your winter sports insurance? It actually depends on a few things, so the best way to find out your options is to do a travel insurance comparison.
If you’re including other people, you’ll need their dates of birth and details of any medical conditions they might have, to get an accurate quote.
When you compare travel insurance you need to confirm your destination. Europe is a popular choice for snowboarding. But we’ll ask you if your policy is for the UK, or for 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 boarders think that they don’t need travel 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.
But the EHIC isn’t a substitute for travel cover – it wouldn’t pay for getting your home or 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, where there’s no EHIC, it can be very expensive to get medical support.
How’s your health?
To get you a list of quotes, we’ll ask you a few questions about your health and get you to add in the names of any medical conditions. From a providers' point of view, if you have a health condition it could mean you‘re more likely to need medical help while you’re away snowboarding. So some conditions might make your insurance more expensive but this isn’t always the case with all conditions.
It’s important that you do list any medical conditions and give providers all the information they need because, if not, you might be charged more or not be covered. If your insurer found out that the medical emergency on your trip was caused by a condition or injury you already had, they could refuse to pay your bills or add a cost.
Compare and save!
By now you should have a page full of travel insurance quotes, listed in price order and showing the cheapest travel insurance at the top.
The main details of each winter sports policy are shown – 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.
Find out more about what is and isn’t included in the policies by clicking each one for more details. Then, when you’ve found a travel insurance quote that suits you, click the button to go through and buy.
But do make sure you read all the details. There may be some limits that you should to be aware of. For example, many snowboarding policies won’t cover you if something happens when you’re boarding off-piste.
Take care, enjoy the snow and remember that lip balm!