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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.

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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PRE-EXISTING MEDICAL CONDITION

Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective :
  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this policy.
  3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or
    2. an adjustment to insulin or anti-coagulant dosage.
If you, or someone you are traveling with, has a Pre-Existing Medical Condition, you can still buy a policy from us but there is no cover for any claim arising directly or indirectly from that condition.

PRE-EXISTING MEDICAL CONDITION

Any Medical Condition that, within the last 12 months, required any:

  • surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication);
  • medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  • medical advice or treatment for any heart, stroke or diabetic condition;

Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition

Coverages Available:

*not all coverages are available in all states
Travel Protection Benefits Limits
Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to trip cost
Cancel for Any Reason Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents)
Trip Interruption 150% of trip cost
Delay Package
Trip Delay
Maximum $200 per day up to $2,500
Missed Connection Maximum of $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects $2,500 $100 Deductible
Baggage Delay $100 per day up to a maximum of $500
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included $100,000 $50,000 in NH $50 Deductible
Emergency Dental $750
Emergency Evacuation and Repatriation of Remains Up to $500,000
Up to $1,000,000 in NH
Accidental Death & Dismemberment $100,000 or $250,000 or $500,000
Pet Medical Package
Pet Medical Expense Up to $2,000 $100 Deductible
Pet Return Up to $500
Rental Vehicle Damage – Primary Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000
Vacation Rental Damage $1,500 or $3,000 or $5,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Trip Interruption 2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 5,000
Baggage Loss or Delay up to 2,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability 500,000
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Personal Accident up to 250,000
Baggage up to 10,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation up to $20,000
Trip Interruption $1,000
Medical and Emergency Expenses $5,000,000 (deductible $250)
Hospital Benefit $25 per day, maximum $100
Personal Accident up to $50,000
Baggage $2,000 (deductible $250)
Personal Money and Passport, limited to $250 in respect of cash $500 (deductible $250)
Personal Liability $500,000
Optional Benefits Limits
Business Extension up to $1,000 (deductible $100)
Winter Sports (Ski Equipment) up to $750 (deductible $50 or $100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)