If you are one of those who enjoys sliding on the snow, take note of what we tell you in this post and add a good insurance to your skier backpack. Statistics tell us that, in addition to enjoying like a child, many other things can happen to you on the snow. In fact, according to our data, in January there is an unforeseen event every 23 minutes at ski destinations.
In the mind of a daydreaming beginner, powder snow falls in slow motion as he imagines going off-piste. But when you wake up from that dream, things change. There are many things that can happen to you on and off the piste when you go skiing and, although we hope it never happens to you, the truth is that you must be prepared in case it happens.
There are several types of insurance that can protect the skier:
Ski pass insurance . It is the ski resort's own insurance and protects you from the moment you hire the ski pass, that is, the identification pass that gives you permission to use the slopes and facilities. It is a basic insurance both in coverage and in limits because it actually acts as the mandatory insurance for travelers . With it you are protected against the damage you suffer due to the poor condition of the slopes or facilities but not, for example, from the fall that you suffer due to your clumsiness on a downhill or from the damage that you cause to another skier when you hit him in your fall.
Ski insurance . It is a specific insurance for the practice of this sport that can be contracted on the slopes themselves or previously at any specialized insurer. Throughout this post we will tell you about its most common coverage.
Other insurance . There are other insurances that can protect you against unforeseen events on a trip to the snow, such as accident or health insurance , but it is VERY IMPORTANT that you check before that it is specified in the coverage of your contract since, in fact, many companies they exclude it because it is considered a risky sport that requires specific insurance. Travel assistance insuranceIt is another of the products that can come to the rescue when you go skiing since it includes the transfer of the injured person, the early return of the injured person and those accompanying them and even reimbursement for the crutches or medications that you have to purchase. This type of insurance also protects you in everything related to your trip to the slopes: loss of luggage, overbooking or cancellation of the flight.
What coverage should ski insurance have?
Accidents in the snow from a blow to a torn meniscus are a chore, but a problem that can be less if you have ski insurance. In case they have to help you on the track, the insurance covers the pick-up from the tracks, medical care, transfer to the health center, diagnostic tests and even the medication you need . covered reimbursement for crutches and medications. In fact, the insurance even covers the refund of the amount of the ski pass and the ski lessons not taken if you cannot return to the slopes.
Be careful , if you have a fall on the slopes, the station technicians will pick you up and offer the basic health care you need, but these costs will be your responsibility if you do not have insurance .
The liability is one of the most interesting coverage that insurance should include skiing since a bad fall can have consequences for the skier himself but also for the rest. If, for example, with your fall you take another skier ahead, you will have to pay out of pocket for their medical care and even compensation in case the injury has subsequent consequences. It is better to have insurance to protect your pocket in such a case.
This type of specific ski insurance can be contracted in the resort itself or previously through any insurer and depending on the product offer it may include other coverage or higher compensation limits. We speak, for example, of the breakage or loss of ski equipment, transfer to another place in case the slopes you go to for technical reasons or even accidents that happen to you off the slopes .
The most common ski accidents
According to the travel assistance insurance statistics drawn up with data from the insurance companies themselves, accidents in the snow show seasonality. The winter months are the ones that clearly mark the ski season. January is when there are the highest number of accidents . This month an accident occurs every 23 minutes and 20 seconds . And it is that 7.5 out of 10 accidents occur during winter.
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