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Winter sports are becoming more and more popular, but while a ski holiday is a great opportunity for family members to bond, it is not without its risks. In fact, statistical figures can be quite scary: injuries from ski accidents range from a dislocated shoulder to severe head trauma. But apart from the actual injuries themselves, the more frightening aspect of it is when you discover belatedly that you don’t have proper family travel insurance coverage for the slopes. While we don’t really go on a skiing holiday expecting the very worst, here are the compelling reasons why you and your family must be insured to the teeth if you’re going to the snow. Assumptions Can Be Deadly You probably have a bank account somewhere that provides ‘free’ family travel insurance. Making the assumption that such free coverage automatically provides sufficient protection in the event of an actual mishap in the French Alps can be devastating should the unthinkable happen. Taking your chances on the slopes without complete coverage could set you back thousands of pounds: consider an accident that requires helicopter mountain rescue at about £20 per flying time? A single trip could easily cost more than a thousand pounds, not to mention the ensuing medical emergency and surgery expenses. At the very least, check if your existing insurance covers winter sports activities, and flesh out the terms down to the smallest detail. Check the Cover Levels Many family travel insurance policies do provide coverage for winter sports activities, but the difference among insurers can always be gleaned from the small print: what level of coverage are you really getting? For example, consider the total cost of your holiday: your policy’s coverage of any cancellation should be at least equal to that cost or, better, even greater. The coverage should include all equipment, including that of your children. Ski gear is expensive, and it’s well worth insuring. Also, many ski resorts offer different ‘unique’ alternative activities, so make sure your policy provides some leeway regarding that. Cheap Should Still Be Quality Not simply because a family travel insurance package is cheap does it mean it’s useless and insufficient. Sure, perhaps a majority of providers sacrifice quality of coverage for the sake of lowering their prices, but there are those that somehow maintain a great level of cover without forcing their clients to break the bank. There are inexpensive providers, such as Insuremore, that already include winter sports coverage at a very minimal cost. The point, however, is to learn how to balance cost versus cover: do not look for a policy with nothing but getting the cheapest product in mind. You will find a lot of cheap packages out there, but with cheapness comes a dangerous compromise: much lower cover, decreased range and a stupendously high excess. Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including family travel insurance, annual, multi-trip and single-trip insurance. For all your travel insurance needs, Insuremore can help you in the quickest and most cost-efficient way.
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