General Description
Ski Insurance includes all the normal travel insurance benefits such as medical expenses, emergency repatriation, personal liability, legal costs, personal accident cover, baggage cover and cancellation, but can also cover compensation for loss or delay of skiing due to baggage delays, theft or damage of skis or ski equipment, lack of snow and other poor weather conditions. Care should be taken when selecting a ski insurance policy to ensure that all the categories of potential claim you require are included and with the level of benefit and excess desired.

Ski insurance policies are excellent value for money if you consider the comparison between the premium and the possible costs of any misfortune.

If you and your family go abroad more than once a year, then it is advisable to consider an annual travel insurance policy, as this can often work out cheaper than buying insurance for each separate trip. Be sure to check the extent to which skiing activities are included in the cover. With an annual travel policy, you can travel as often as you want, providing that each single trip does not exceed the duration limit specified in the policy (e.g. a 30 day maximum for each trip).

Types of Activities
A Ski Insurance policy can include certain sporting activities as well as skiing which other policies often exclude as they are considered too dangerous.

Policies can include cover for the following:
Skiing; Cross Country Skiing; Land Skiing; Mono Skiing; Off Piste Skiing; Heli-Skiing; Ski Boarding; Snowboarding; Snowmobile; Luging; Sledging; Tobogganing and Ice Skating.
Please refer to PHA or check with the insurer with any other Winter Sports activity.

Problems of Not Insuring
If you know you are going to ski during your trip it is vital to ensure you have a good ski travel insurance policy covering all possible emergencies, especially for medical treatment. A standard travel insurance policy will not cover incidents related to skiing or other hazardous activities and you could be left with large medical or legal bills which can reach hundreds of thousands of pounds, particularly in the USA. If a family members falls ill or has a skiing accident, you would not have the added worry of how you are going to pay the medical bills if you’ve taken out the correct ski insurance. Many people have had to sell everything, even their homes, in order to fund the treatment and possible repatriation. By buying the right ski insurance from a company such as PHA before they travelled they would have avoided such dire circumstances.