ST. PETERSBURG, FL December 19, 2012 – Ski resorts are popular destinations this winter as families and adventure seekers alike plan to hit the slopes at the peak of ski season. Since many turn to travel insurance for protection against accidents and injuries, Squaremouth, America’s fastest growing travel insurance comparison site advises travelers to avoid purchasing unnecessary extras for their upcoming ski trips.
Travelers are correct to be cautious about coverage when it comes to sports and activities that are potentially dangerous. However, what travelers may not realize is that downhill skiing is already covered on many standard travel insurance policies. “Travelers are quick to spend extra money for additional benefits without knowing if they really need them,” says Chris Harvey, CEO of Squaremouth. “There is nothing to gain from spending too much on travel insurance.”
For the avid skier, one of the most important features in a travel insurance policy is the emergency medical coverage. Because skiing may already be covered under many travel insurance plans, travelers can seek emergency medical treatment due to unexpected ski injuries without purchasing an additional hazardous sports upgrade, which can add unnecessary costs to premiums.
Squaremouth advises travelers to check if a policy covers activities like skiing by reading the list of exclusions before jumping to the hazardous sports upgrade. Travelers may find that recreational, downhill or cross country skiing is covered, but no coverage would be provided for travelers that journey off marked courses or ski against the advice of the local ski school.
“A hazardous sports upgrade would provide coverage for more extreme versions of skiing, like heli-skiing, as well as other extreme sports like bungee jumping and skydiving,” says Harvey. “Travelers participating in these activities should check for specific exclusions first, and only purchase additional options if necessary.”
Other activities not typically covered by travel insurance include participation in organized sports, competitions or racing of any kind. Even though a weekend ski competition may not seem dangerous, coverage may not be available for participants in these kinds of events.
Another option travelers can look for as added coverage at no extra cost is the sports equipment and fees benefit. Travelers can be reimbursed for pre-paid lift tickets, equipment rentals or lessons if they have to cancel or interrupt their trip for a reason listed on the policy.
When considering travel insurance options, Squaremouth advises travelers that understanding what is already included in a policy is the best way to protect themselves from spending too much on unnecessary benefits.
Squaremouth is America’s fastest-growing travel insurance comparison site, providing the tools to instantly quote, compare and buy policies from every major provider. The company is headquartered in St. Petersburg, FL, with offices in Fort Wayne, IN. For more information on Squaremouth or its extensive network of partner sites worldwide, visit www.squaremouth.com.
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