Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Before you slap on the skis or charge the half pipe, make sure you have adequate cover for your trip.
You've been itching all year long to hit the slopes and sink your skis into some fresh, white, powdery snow. You've got new gear, your accommodations are booked, you've scheduled some refresher courses with a local trainer and your bags have all been packed. Nothing can go wrong now, right?
Even though you've crossed every T and dotted every I, where your ski holiday is concerned, the best laid plans can fail. Err on the side of averages and assume that anything that can go wrong, will go wrong. But where would that leave you? Stranded in a foreign country with no luggage, flight accommodation? Or worse, out in the cold seeking emergency medical care from a ski injury without any money to pay for your treatment? These are the kinds of unfortunate circumstances that can be avoided by investing in a snow travel insurance policy.
According to ACC statistics, these are the most common ski accidents:
Due to their risky nature, partaking in extreme or winter sports are excluded by most policies. However, there are some ways around those exclusions - like adding a winter sports package to your current policy or taking out a ski holiday policy from a company that specialises in ski insurance. Be advised, though, that not all insurance policies are the same in terms of inclusions and exclusions so know ahead of time what you want and need coverage for before you begin your search. Doing your ski travel insurance comparison online can save you both time and money.
Quote scenario: Who’s best for someone going oveseas to Canada, aged between 20-60?
The best price on Comparetravelinsurance.co.nz is 1Cover's Ski Plus policy for $124.50 which includes unlimited medical cover and emergency rescue, unlimited cancellation, $25,000 accidental death, $5 million personal liability, $5,000 luggage, $1,000 piste closure, $750 ski pack reimbursement, $1,500 equipment hire…and more!
Coming up second is Columbus Direct’s mid-range policy at $126.00 which includes $12.5 medical cover and emergency rescue, $10,000 cancellation, $50,000 accidental death, $2.5 million personal liability, $6,000 luggage, $500 piste closure, $500 ski pack reimbursement, $500 equipment hire…and more!
Compare ski insurance and see for yourself! Use our site to see which insurers offer the most cover at the best price. You’ll be getting dozens of quotes quicker than you can say ‘winter pimms o’clock’!
In addition to the usual stuff covered by a standard policy, a winter sports package will cover you for emergency evacuation from the slopes to nearest hospital, medical treatment, ski equipment hire, piste closure, bad weather and a little bit more.
Emergency Rescue and Medical Treatment - The cost of a medical evacuation off a snowy mountain overseas could cost you thousands of dollars. Most ski/snow policies will cover medical evacuation to the nearest hospital or depending upon the seriousness of the injury, back home to New Zealand. Of course, after the evacuation, the policy will also cover hospital and medical costs you incur while you are traveling outside of New Zealand.
Ski Equipment Hire and Reimbursement - Ski equipment is expensive to replace or repair if it gets lost, damaged or stolen. If your gear has a value of more than $700, most insurers will provide coverage protection for it, so long as the pieces are itemized on the policy. If you have to hire or rent additional equipment in the interim to replace yours during the remainder of your holiday, your policy might cover those fees as well. In the event that you're not able to use your ski and lift passes, hired equipment or purchased lessons due to illness, injury or theft - your policy will reimburse you the unused portion at no additional cost to you.
Bad Weather and Avalanche Closure - This clause of a ski/snow policy allows coverage for your out of pocket expenses in the event that you cancel your holiday or rebook at another location due to adverse weather conditions resulting in resort, slope and/or piste closure. If you don't have a special ski insurance policy, this will not be covered by the standard cancellation protection.
Losses Incurred While Under The Influence - Just as you shouldn't drink and drive, you shouldn't drink and ski, either. Not only is it extremely dangerous, but if the adjuster finds the losses you incurred happened while you were under the influence of alcohol or a similar substance.
Ski equipment while in use - Most policies exclude cover for ski equipment that is damage while it is being used. You'll still have cover for loss or theft of your gear though, as long as you haven't left it unattended or out of sight.