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A few things you’d like to clear up first? Maybe you’re not sure why it’s worth comparing your travel insurance for your skiing holiday, how long it will take or what cover you need?
Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on your travel insurance.
This should not be constructed as advice and is guidance only.
What does ski travel insurance cover?
While certain ski holiday insurance policies may differ from provider to provider, the most important thing it must include is emergency medical treatment cost. Along with this you need to be sure that whatever policy you decide on purchasing, covers the loss of luggage and the ski equipment you possess. Or refund you if the holiday is cut unexpectedly short.
Many people only cover themselves for a single trip abroad. With annual multi trip travel insurance, you are covered for a number of trips within a 12-month period. It can often work out cheaper than taking out multiple single trip policies for each trip you take. Insurers differ in terms of how many consecutive days they’ll provide cover for, so make sure you check the small print of your policy.
Who is annual travel insurance suitable for?
Whether you are a solo traveller or a couple, annual cover can be the cheapest option when it comes to making sure you are covered to travel more than three times each year.
If you plan to travel with a group or with your family, you may find that it is more cost-effective to purchase a group travel insurance policy or family cover. This is worth investigating before you proceed to purchase annual multi trip cover.
Likewise, if you plan to take a year out to travel the globe, then it may be worth investigating a backpackers policy as this is designed to cover you to travel to a variety of destinations for a longer duration.
Why is an EHIC useful for a Skier?
There are many popular skiing destinations in Europe, The European Health Insurance Card or EHIC is designed to ensure that you will receive free or reduced cost emergency medical treatment in any of the EU member countries – plus Switzerland – and is available for those aged 16 and over free of charge, great if you’re bringing your kids with you on a family skiing trip!
It is a good idea to apply for one if you will be travelling within Europe as you will be asked for this first in the event of you needing healthcare whilst on holiday.
It is important to remember that the EHIC does not fully cover the cost of your medical treatment and will not entitle you to free or reduced price private treatment. It will also not cover the cost of emergency repatriation to the UK, so it is always wise to have a comprehensive travel insurance policy for your skiing holiday in place.
How many days can I travel for?
Annual travel insurance is designed to cover those travelling three or more times a year and it is common for the cover period to be limited to around 31 days of consecutive travel per trip. The number of trips per year will more often than not be unlimited, as long as you return within the number of days specified by the insurer.
You may, however, find that some insurers offer extended periods of travel up to 60 days and over, but this could be at an additional cost.