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Holiday and Travel Insurance » Information » Winter Sports Travel Insurance

Winter Sports Travel Insurance

Regardless of the winter sports activities that one chooses, from skiing to snowboarding or any other of the newer sports, it is essential to choose good insurance coverage. These types of sports meet with many possibilities for accidents. The range of possible accidents is great, whether you are a novice or a professional winter sports athlete. These accidents present the possibility of making your fun activity much more expensive than you had expected.

Due to the higher risks involved in winter sports, any accident can result in a huge financial burden for medical costs. Even transportation to hospitals can be more expensive from an isolated mountain slope than the normal costs for an ambulance. The risks in winter sports may be for relatively minor situations such as a sprained ankle or injury to a wrist to much more expensive and involved medical situations such as broken legs, broken back or getting buried in an avalanche.

It seems that about one in ten skiers during a winter sports season requires some form of medical attention. Of course, some of those needing medical assistance have minor needs. Still, many also need skilled medical care to remedy.

Winter Sports Travel Insurance

A report from the Foreign and Commonwealth Office mentions that twenty percent of people travelling to European destinations do not carry special insurance. This report also mentions that one third of the accidents occur at resorts in France.

The largest number of winter sports accidents happens to people in the age group between 18 and 29 years. The second largest age group includes the ages 40 to 49.

It is important to get the most proper coverage before embarking on a winter sports trip. Most travel agents, tour operators and insurance providers do not offer specialized insurance policies for such activities as off-piste skiing. Such high-risk activity may require mountain rescues which could easily come to over 1000 pounds for a helicopter to come to the rescue. Standard insurance usually does not cover such situations. Some policies allow for upgrades to cover such instances or even single-trip policies. Some of those upgraded policies cover ski equipment, ski hire, ski packs, avalanche and piste situations. Of course, the upgrades are more expensive than regular insurance.

Winter Sports Travel Insurance

It has been recommended that at least one million pounds of liability insurance coverage should be carried. Liability insurance covers the insured against creating an accident. Liability claims have increased sharply following accidents on the slopes.

Online purchase of special winter sports insurance enables you to find and study the coverage offered as well as to enable you to get instant coverage. As expected, pre-existing medical conditions are usually not covered at all. Buying a comprehensive winter sports policy will ease any anxieties before you begin your winter sports activities.

Written on: 23rd January 2008

Written by: Roger Harris