Winter sports are a lot of fun for adventure junkies. If you have noticed, there has been a huge increase in the popularity of winter sports in recent years.
Scoring a winning goal during an ice-hockey game or sledding to the bottom of a hill are all lots of fun. And we tend to do a lot of such activities while traveling during winter. However, these activities can also lead to injuries. Serious ones.
Not always, but there is a high chance.
How do you handle the bulky medical bill if such an unfortunate incident happens to you while you are traveling?
Enter: Winter sports travel insurance
Winter sports and travel insurance
Winter sports are the type of recreational sports that are played in extreme conditions in winter. Sports such as ice skating, sledding, ice hockey, skiing, snowboarding, ski jumping, bobsleigh, bandy and many more.
These winter sports are dangerous because of the inherent risks involved.
For adrenaline junkies, winter sports are usually on top of their to-do list. Since there are very high risks involved in these winter sports, buying travel insurance should be the priority.
It is highly advisable to buy a comprehensive winter sports policy that will give you optimum cover for serious mishaps like slipping on the slope, or the loss of your valuable sports equipment like skates or snowboards.
Winter sports trips are way too expensive but the insurance for such travels is relatively low cost.
You must not assume that a standard travel insurance policy will cover these high-risk sports. It is very unlikely for a standard travel insurance plan to cover you while you indulge in ice hockey, snowboarding, heli-skiing etc.
You must buy additional cover for these sports.
Ideal winter sports travel insurance plan must cover the specific sports for which you are taking this trip, your emergency medical and hospitalization expenses and other mishaps that may spoil your trip.
Winter Sports Travel Insurance
Winter sports travel insurance plans differ from standard travel insurance plans in certain ways.
Winter sports travel insurance plans are specially designed for sports lovers and who spend their winter travel outdoors.
Before you buy winter sports travel insurance plan you must make have answers ready for all the below-given questions
1. What are the sports in which you’ll be participating?
2. Decide the maximum amount for medical and other covers you prefer.
3. Consider cover for necessary things such as valuable sports equipment, travel disruption.
4. Will you be able to participate in more than one sport?
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Winter sports are extremely dangerous because of the high number of health-related risks. Any injury can cause seriously spoil your entire trip and can cause lifetime damage. To avoid the huge medical bills and excessive hospital charges, getting maximum medical coverage should be your foremost priority.
Winter sports insurance policy may not give you cover if you fail to disclose any of your pre-existing medical conditions. You may add cover for any pre-existing medical conditions while filling up the necessary details.
Variety of Sports activities covered
Commonly an insurer covers the regular sports activities such as ice skiing, sledding etc. if you are indulging in a variety of the covered sports, look for fine print.
For instance, if you planning to indulge in off-piste skiing (skiing in an unmarked or unpatrolled area) you need to have a skilled instructor. You will be covered for an off-piste ski only if you are accompanied by a fully trained ski instructor.
Evacuation and repatriation coverage
Massive accidents are known to happen during winter sports. We come across many cases where people get permanently disabled or even lose their life on winter sports trip. If such an unwanted event happens to you, the heavy expenses shall be covered by your insurance provider.
Other Coverages in the plan
Along with the above-mentioned benefits, winter sports travel insurance policy also covers you for ordinary losses such as lost baggage, passports and other valuables, trip cancellation due to bad weather etc.
This plan also covers you if by mistake you damage someone’s personal liability or are sued by someone on your trip.
Things to do before buying winter travel insurance plan
1. You must read the small print very carefully before buying a travel insurance policy as it will give a thorough knowledge of all the terms and conditions of the policy.
2. Before buying travel insurance policy you must make sure the sports you are interested in are covered
3. Be specific about the category of sports for which you are traveling because for some dangerous sports the insurance companies design entirely different policies.
4. Choose the plan that gives you optimum cover in the areas like medical expenses, specific sports coverage etc.
Do note that just because you have a winter sports travel insurance, you aren’t expected to flout the rules. You are expected to avoid danger and never overlook official warnings or advice.
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