Forging your own path through pristine, snowy wilderness on a snowmobile is a truly unique experience, and one that winter sports lovers are willing to travel far and wide to pursue.
As the snow begins to fall and you start planning your first snowmobiling trip of the winter, don’t forget to line up some snowmobile insurance to protect your financial investment in your trip and to provide emergency services if you need them. Here’s what you need to know about getting a snowmobile travel insurance policy.
Top destinations for snowmobiling
Some of the world’s top snowmobiling destinations may be in your own backyard. From Wyoming and Montana to New Hampshire and Vermont, idyllic snowy landscapes await.
Head to Finnish Lapland for a wide range of snow-covered landscapes, from thick forests to frozen rivers. Lucky snowmobilers may even get a chance to glimpse the Northern Lights.
Thanks to Iceland’s unique geological history, the country offers truly unique snowmobiling experiences, including the opportunity to tour Europe’s second-largest glacier.
With an unbelievably long season and the world-famous Swiss Alps, Switzerland is a bucket-list destination for snowmobile enthusiasts from around the globe.
What does snowmobiling travel insurance cover?
A travel insurance policy with coverage for adventure sports, such as snowmobiling, is just what you need for all your winter recreational purposes. Designed specifically for the needs of snowmobilers. A snowmobiling policy can include including:
- Travel medical insurance: if you’re injured in a snowmobiling accident or elsewhere during your trip and require emergency medical treatment, travel medical insurance can pay for your medical expenses. This is especially important if you’re traveling internationally, as your everyday health insurance may not provide medical coverage.
- Emergency medical evacuation: if your injury is serious enough that you require a medical evacuation to a major medical center or back home, your coverage can pay for the evacuation (up to a preset maximum), but also coordinate the transportation for you, 24/7.
- Baggage loss and delay: Applies if your baggage is lost, delayed, or damaged in transit.
Trip delay and interruption protection: winter travel can be unpredictable. If severe weather or a natural disaster causes your snowmobiling trip to be delayed, canceled, or cut short, you may be reimbursed for your trip expenses, up to a predetermined amount.
What’s not covered by snowmobiling insurance?
As important as it is to know what’s covered by your policy, it’s equally important to know what’s not covered. Items that are not covered include:
- Certain extreme winter sports activities, as well as professional competitions
- Search and rescue services, unless offered as an optional coverage
- Normal wear and tear on equipment, baggage, and sports equipment