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When snow is forecast, winter sports enthusiasts can flock to the mountains for some fresh powder. But unpredictable weather doesn’t always make for the easiest trip. In fact, ski trips can be one of the riskiest things to book, because you can spend several dollars on ski lift tickets, lodging, airfare, and equipment rentals, only to lose money if the weather doesn’t cooperate or damage occurs.
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Ski Travel Insurance
These types of travel issues can affect many travelers as skiing and snowboarding become more popular. According to the National Ski Areas Association, there will be more than 60 million visits to U.S. ski slopes in the 2021-2022 season, the highest number since the organization began tracking in 1978.
You Need Travel Insurance For Your Next Ski Trip
To reduce the risk of losing money on an interrupted or canceled ski trip due to bad weather, travel insurance may be an option to consider. Some of the most common travel insurance benefits, such as trip delay or cancellation coverage, may be available for vacations to winter destinations. Additionally, some travelers may already be enjoying benefits through a travel credit card.
Standalone travel insurance policies are also available, offering more specific cover tailored to ski travel. With these policies, travelers can be reimbursed for more specific costs related to winter sports trips.
These are the types of coverage travelers can expect when purchasing travel insurance for a ski trip.
Coverage for trip delay and cancellation is a standard feature of most travel insurance policies and can benefit those heading into the winter season. For example, if flights are delayed due to a snowstorm, this type of coverage can help travelers get refunds for the days they may not be at the resort. This typically includes reimbursement for non-refundable travel expenses such as prepaid lift tickets, equipment rental, and other similar expenses.
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Travel delay and cancellation insurance can also pay for additional meals and accommodations that travelers may receive as a result of the delay.
An important caveat is that this coverage typically only applies for covered reasons. An airline that delays a flight is covered, but a traveler who checks the weather forecast and wants to abandon the trip for fear of getting stuck is not.
Skiers and snowboarders who want complete flexibility to cancel whenever they want should consider cancellation insurance for any reason. This coverage is a special add-on that is more expensive, but travelers typically receive 50% to 75% of their trip costs if they cancel for any reason.
Injury is another major risk during ski touring. Injured skiers and snowboarders may have to shorten their trip. When ski travel insurance with trip interruption cover covers the costs associated with returning home early.
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Please note that this coverage is separate from travel health insurance and medical evacuation insurance. Injured travelers often need to use a combination of their regular health insurance and travel health insurance from their winter sports insurance (whether provided through a credit card or purchased separately).
“Depending on where you ski, your home health insurance may cover you in the event of an accident. But that’s not true if you’re outside your home health care network, and especially not if you’re traveling internationally,” says Stan Sandberg. co-founder of TravelInsurance.com.
Advanced skiers and snowboarders will likely need more coverage. If you’re adventuring in the backcountry, beyond resort boundaries or heli-skiing, consider purchasing additional insurance for adventure sports.
It’s a vague name for coverage, but it’s a nice addition to travel insurance for winter sports trips. “Travel inconvenience,” also known as “Lost Skier Days,” pays travelers when the resort closes due to too much or too little snow.
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This type of coverage is typically available from December 1 to March 31 for Northern Hemisphere resorts and can reimburse up to $125 in lost expenses per day.
Many travelers are familiar with coverage for baggage loss or delay, but others may not know that expensive ski or snowboard equipment is not covered at all. After all, most travel insurance policies only insure up to a certain dollar amount. So if the airline loses your expensive ski, you may not be reimbursed for the full amount.
Getting ski travel insurance with coverage for things like skis and snowboards can help. With this cover, the ski insurer will pay you for the rental of the equipment up to a certain maximum if your equipment is delayed.
If you’re worried about missing out on your ski holiday, ski travel insurance can give you peace of mind. Find coverage that pays you in case of delays due to winter weather or accidental damage. Additionally, the inconveniences of travel or sports equipment coverage are a supplement that helps offset the costs associated with lift tickets and equipment rentals.
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Travel Insurance Claim Forms
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