Most package plans will cover recreational skiing
If your winter vacation includes some skiing, you probably want some insurance to cover potential injuries. Luckily, most general package plans include coverage for recreational activities such as skiing. These comprehensive plans, also called package plans, generally include coverage for trip cancellation, lost baggage, medical emergencies, and medical evacuation.
Medical expense and emergency evacuation coverage is important
Even though the other benefits are important while taking a trip, the really important coverage is the medical expense and evacuation. These are the costs that can get very high, and paying out-of-pocket could be catastrophic. Medical expenses can run in the 10’s of thousands, and e required evacuation could easily cost over $100,000. Without the right insurance coverage, you could be required to pay this yourself.
Check the policy certificate for any exclusions
The important thing os to check your coverage carefully. Read the certificate and check the “exclusions” section to see if they have ruled out skiing accidents. In general, as long you are not taking part in professional skiing or racing, winter activities are covered.
If you have further questions, ask a professional
If you are not sure about a certain policy, the best thing to do is ask a professional. The easiest way to do this is using a comparison site, because they can answer questions about several companies’ policies at the same time, instead of making you call around and deal with each company.
Here’s what to do:
- Go to a comparison site (see How to Compare Quotes with a Travel Insurance Comparison Site)
- Enter your trip details and get instant policy quotes
- Read a little about each policy to find out if skiing is covered
- Call the comparison site’s toll-free number, they can answer questions about all products