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Skiing insurance-Must before you pick your skiing equipment by Will Smith
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Skiing insurance-Must before you pick your skiing equipment |
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Finance & Investment
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If you are planning on skiing or snowboarding during your winter vacation, make sure that you have adventure holiday insurance . The insurance package will let you enjoy winter sports and activities without having to think of emergency assistance and expenses in case unforeseen events happen. One can never be too confident with the danger these activities bring. Even professionals fall short in the icy slopes. Dangers and risks should not be taken for granted. A skiing insurance will take away the apprehension and will allow you to enjoy the adventure of the season.
There are several ski insurance companies in the market that offer different protection packages. The important thing that you should take note of is that the skiing cover should address all risks that will be associated with the winter vacation. Some winter sport insurance packages are categorised by winter activities. Examples of these protection plans are ski racing insurance, snowboarders insurance, Board Park insurance, and heli-skiing insurance. Vacationers also have a choice whether to include off-piste in their insurance coverage or not. Adding the off-piste feature in the insurance plan will cover skiers and snowboarders even if they go outside tracked areas.
The coverage of adventure holiday insurance may vary depending on several factors but it is common for these insurance packages to include the following benefits:
• Mountain rescue - conducted whenever accidents happen in a non-ambulatory site.
• Equipment - insurance does not only cover the person but also their equipment.
• Emergency medical evacuation – the skiing cover will provide medical transportation either to the closest hospital or to the skier’s home.
• Emergency medical expense – the protection coverage identifies specific amount that is intended for the hospitalisation and rehabilitation of the injured party
• Pre-existing medical conditions – most plans include coverage for any pre-existing medical condition
• Off-piste coverage – this plan feature is included in most plans provided a skier or a snowboarder is accompanied by either an insured adult or a licensed guide.
As a skier, it is a must that you know all the precautionary measures before skiing. Having a skiing insurance is not enough to make you safe going down the slopes. The risks and danger these winter activities bring could be elevated further by any extreme force of nature. An avalanche is a common cause of many injuries and fatalities. It will be beneficial if you know the other elements that cause an avalanche.
• Steep slope – thirty to forty-five degrees slopes poses high risk for an avalanche.
• Snow cover – there is greater risk of avalanche during strong breeze and after thick snow falls.
• Weak layer of snow cover – thawed snow or those that have been wet from rain is at high risk.
• Human force – the weight and impact of skiers and snowboarders can make the snow pack unstable and start off an icy landslide.
Any winter vacation will be enjoyed most if properly complemented with precautionary measures and adventure holiday insurance.
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