It costs as little as €5.66 to add Winter sports cover to a travel insurance policy but experts at Insuremyholiday.ie report that many people are taking a big monetary risk when heading to the slopes by not upgrading their travel insurance policy. The online broker says that accidents are frequent on these adrenaline-packed trips and that the subsequent medical bills, for the most common of injuries, can run into hundreds of thousands.
Deirdre McCarthy of Insuremyholiday.ie explained,
“Winter Sports holidays can be hazardous, whether you’re a first-timer or an experienced skier or snowboarder. It’s easy to twist an ankle, break bones, or suffer some other injury while shooting down the slopes, as many people discover each year. When it comes to insurance, it will come as no surprise to people that claims for ski trip accidents are very common. But people seem to think they can just get by with their regular travel insurance cover – they can’t. Insurers won’t & don’t pay out if someone doesn’t have the correct cover. They are very black & white about it.
Anyone who’s been skiing knows how much fun those holidays can be – but they are non-stop – early mornings to late evenings on the slopes, to the crazy hijinks of the après ski – there is no let-up in activity, which unfortunately means there’s plenty of opportunity for minor to major accidents”.
Insuremyholiday.ie report that while any medical costs incurred will depend on the severity of the injury, they also depend on the country where the patient sustained the injury.
Deirdre went on,
“Costs and, as a result, claims differ vastly depending on where the policy holder is holidaying. In the main, treatment in the US and Canada can be significantly more expensive than treatment in Europe”.
Sample Average Ski Claims
-Total Claim Value: €138,762.05 – Multiple injuries including collapsed lung and fractured vertebrae; total permanent disablement as a result of accident
-Total Claim Value: €2034.58 – Broken wrist
-Total Claim Value: €536.55 – Injury to pelvis
-Total Claim Value: €604 – Injury to leg
-Total Claim Value: €2303.92 – Broken ankle
Insuremyholiday.ie say that aside from the risk of personal injury, Winter ski trips, like many holidays, bring with them the possibility of lost, stolen, or damaged equipment and the chance of piste closures in certain weather conditions.
“It’s so cheap to upgrade your policy – it could cost you as little as a fiver, so it’s hard to understand why people think it’s best not to shell out & to take their chances instead”, Ms. McCarthy commented, “If you do decide that you’d rather not take the risks, then you should ensure that your Winter cover policy includes the following:
- Winter sports equipment cover
- Hire of replacement equipment
- Avalanche/landslide cover
- Piste closure cover
- Other inability to ski cover
While also covering you for standard travel insurance policy benefits such as:
- Round-the-clock medical assistance
- Lost, stolen, or damaged baggage cover
- Emergency medical and/or transportation cover
- Luggage loss/delay insurance
- Flight cancellation/delay insurance
- Personal accident insurance
- Third party personal liability insurance
Insuremyholiday.ie have outlined other top 5 cost-saving measures holiday goers can take that will afford them a little extra spending money on their trip:
- Choose dates wisely!
School holidays, such as over Christmas/New Year, mid-term, and even Easter are the most expensive times to go skiing. If you can, go in between these times. Choose midweek dates for even bigger savings. A week-long Tuesday to Tuesday or Wednesday to Wednesday holiday is usually cheaper than a Saturday to Saturday, for example.
- Think about how you eat!
Choosing self-catering accommodation and stocking up on food in the resort store may seem like a money-saving idea, but prices in those stores are usually expensive.
If at all possible, make time on the day of your arrival or the morning after to get to the nearest town, and shop in a ‘regular’ supermarket. The cost of a lunch slope-side for weary skiers can be steep. Bringing a packed lunch could save a family hundreds of Euro over the course of a trip.
- Book ski gear in advance
Big savings are on offer for those who do the research and book their gear online & in advance. Insuremyholiday.ie say people should think of it like renting a car for a regular holiday – the travel agent can do it but travelers often get a better deal by shopping around online.
- Don’t overpay for ski passes
Deirdre McCarthy advised,
“An ‘access all areas’ pass may seem the best value if you compare all options individually. But if you’re just a beginner or even an intermediate skier, no way you’re going to venture onto the advanced slopes – so why pay extra for them?Choose a pass that gives you only what you need.
Be aware too that some resorts offer free children’s passes for nursery slopes. So don’t automatically buy a pass for your children too, when first booking. Ask this simple question first, and you could save even more money”.
- If you don’t ask you won’t get
Ms. McCarthy concluded,
“And finally look for discounts from your broker and/or insurer. For example, we offer a “free kids cover” for up to 3 children on every family policy – so why fork out the extra cash when the smaller children can be financially protected for free?”