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The truth behind common Winter Sports Insurance myths
Skiers and snowboarders may tell tall tales about their prowess on the slopes, but there are some myths that can be dangerous – and expensive – for travellers.
The European Health Insurance Card is not an alternative to travel insurance when going overseas. It is important to get an EHIC, which helps you get access to certain levels of state-provided healthcare. However the government’s Foreign & Commonwealth Office recommends that travellers overseas invest in insurance for sufficient coverage. Health systems vary substantially between countries, and you may be expected to contribute towards the cost of your treatment.
The EHIC will not cover:
- Mountain rescues for skiers or snowboarders at resorts
- Private medical care
- Lost, stolen, or damaged property or passports
- Your return journey to the UK if you are delayed by illness or injury
While some banks offer travel coverage as an incentive to take out certain products, it is important to check the fine print. If you plan to participate in winter sports, additional cover may be necessary. Age restrictions and limits to the length of the trip can apply, and sometimes they only cover the first-named account holder, or only cover family members if the account holder is present. If your bank’s insurance policy is inadequate for your needs, seek more thorough policy coverage.
Many plans specifically exclude popular winter sports and outdoor activities. If you don’t want to compromise your holiday plans, make sure that you have a plan that lets you participate. The American Express Winter Sports Insurance covers activities that include ice skating (on recognised ice rinks), glacier skiing, snowblading, snowboarding, and more.
We recommend that you check what level of cover your home insurance provides. American Express Winter Sports Travel Insurance plan will cover both hired and owned equipment.
For experienced skiers, going off-piste is one of the most enjoyable challenges of the winter season. But many basic insurance policies don’t cover it, leaving enthusiastic skiers and snowboarders at risk of expensive injuries. While some basic travel insurance policies won’t cover off-piste, specialist policies like American Express Winter Sports Travel Insurance will cover guided off-piste skiing and snowboarding.
While winter sports athletes have a reputation for partying hard, that doesn’t mean you have to choose alcohol over safety. Reasonable drinking off the slopes that doesn’t affect your performance the next day is not considered risky behaviour. Stay sensible, and make sure you have a thorough insurance coverage plan.
Buying the right Travel Insurance is a no-brainer when you consider the alternative. Winter sports are very fun activities but carry with them some real risks of injury, especially for the inexperienced. Find out more about our
Winter Sports Travel Insurance and what it offers Skiers and Snowboarders.
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