Winter Ski Trip Travel Insurance Tips

Published by October 26, 2012

The peak of ski season is less than two months away, and many travelers are busy making plans for winter getaways. Because of possible disruptions associated with winter travel, it is always a good idea to consider travel insurance.  For winter ski trips, there are a few points that travelers should note.

1. Weather benefits have exclusions: Many policies include weather coverage under trip interruption and cancellation benefits. This coverage will vary by policy, though, so travelers seeking this benefit should read policy details carefully. The most liberal language is “covered for inclement weather.” This means that a traveler would be able to claim the benefit without a required time delay. Other policies may require common carrier delays or service cessation for a specified length of time. In other words, a traveler could not use weather benefits to cancel a trip just because the weather wasn’t optimal for skiing.

2. Ski/snowboard equipment may not be covered: In most cases, sporting equipment will not be covered by travel insurance policies. Baggage and personal items usually excludes sporting goods, unless a specific sporting equipment benefit is also purchased.

3. Emergency medical coverage is limited for hazardous sports: For those who will be traveling at least 150 miles from home and will need emergency medical coverage,  a travel insurance policy may provide necessary coverage. However, most policies exclude activities such as skiing and snowboarding because they are considered “hazardous sports.” In order to be covered for these activities, a traveler must purchase a policy that includes a rider for hazardous sports coverage.

Bear in mind that travel insurance could be a a great way to protect against the unforeseen, especially for expensive trips to ski lodges or private cabins.  Travelers should be sure to note the aforementioned when purchasing a policy, and contact a Squaremouth representative with any other questions.