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Winter sports travel insurance: Chase that perfect powder without worries

Winter sports fans have an overriding desire to be in the mountains. Whether you love skiing, snowboarding, snowmobiling, snow tubing, or even ice skating, there’s always something magical in the air when snowflakes begin to fall.

If you yearn to travel in pursuit of an unforgettable winter sports experience, you’re not alone. Millions of people take to the roads or fly to a resort every winter, ski pass in hand.

Just as for any kind of trip, it’s important to be well prepared when you’re planning a winter sports trip. These types of outdoor activities carry a certain amount of risk, and nothing can wreak havoc on your travel plans like a winter storm. You should always have a winter sports insurance cover in place for your winter trips to the mountains.

Top winter sports destinations

Switzerland

With a decadently long ski season, storied powder and world-class ski resorts like Zermatt, Verbier, and St. Moritz, every skier and snowboarder needs to visit Switzerland at least once.

Canada

As the home of the 2010 Winter Olympics, British Columbia’s winter sports appeal is widespread. Whistler Blackcomb is a must-visit destination, offering more than 200 runs, plenty of freestyle space and views that have to be seen to be believed.

Japan

Head to Japan, where lofty mountain peaks across the country receive upwards of 600 inches of snow each winter. Hokkaido is the best known destination, boasting world-famous dry powder and more than 100 ski resorts (yes, really).

Argentina

When the ski season ends in the Northern Hemisphere, head south to Argentina. The Patagonia region is home to the highest mountains on Earth, outside of the Himalayas (hello, backcountry!). The season typically runs from June to October, so if you time it right, you’ll get home just in time for winter again.

What does winter sports travel insurance cover?

Winter sports travel insurance policies from battleface provide peace of mind for every trip. With a policy in place, you can leave the worry behind and focus on your favorite winter sports activities. You can even enjoy coverage when you’re backcountry (or off piste) skiing, as long as the area hasn’t been deemed unsafe by resort management.

A few key coverages are included in winter sports travel insurance policies from battleface:

  • Travel medical insurance: in case you’re injured on the slopes or fall ill while you’re traveling and require medical treatment. It’s especially important if you’re traveling abroad, as your everyday private health insurance may not provide coverage for medical expenses or emergency medical treatment
  • Medical evacuation: in case things go really wrong. In the event of a serious medical emergency, our 24/7 assistance can schedule an evacuation for you and your policy can pay for it, up to a policy maximum
  • Baggage loss, theft or delay, including your gear: if your board, boots, skis, or skates are lost, stolen or damaged during travel, your coverage can reimburse the cost to replace your belongings, or in the event of a delay, even pay for the rental of substitute equipment until your items are delivered by the airline
  • Trip cancellation, trip interruption, and trip delay: if severe weather or other covered events cause your trip to be canceled, interrupted or delayed, you can be reimbursed for the money you spent on the trip, up to a pre-set amount, as well as additional costs to return home early, or expenses associated with a delay

What is not covered by winter sports travel insurance?

Certain extreme winter sports are excluded from coverage.

Also, while your policy covers damage to your equipment, you won’t be able to file a claim for normal wear and tear.

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Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

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NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

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PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

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OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.