TRAVEL INSURANCE – DON’T LEAVE HOME WITHOUT IT


DSC_2289

Overseas ski trips, especially where fun and danger go hand in hand, require highly tailored insurance cover, with plenty of attention paid to extras. For those unlucky adventurers who have a serious injury or illness when only having a basic insurance policy, will probably have a giant hole in their bank accounts when they get home. Paying for a holiday mishap, long after returning home from what was supposed to be an enjoyable vacation, is not a holiday memory that most would want to have.

Last year the majority of snow sport injuries in New Zealand occurred due to falls (70 per cent), followed by collisions (10 per cent), lift-related accidents (5 per cent) and equipment failure (5 per cent).

When planning any overseas holiday, one of the most important things to do is to get cover as soon as the booking is made. It’s a good idea to take out travel insurance as soon as the airfare is paid, along with accommodation and any other holiday costs. If an injury or illness occurs (not pre-existing) that prevents taking the holiday, the policy is likely to reimburse costs.

Grant Waldeck from comparethemarket.com.au commented“We’re surprised at how little attention people give to their travel insurance on snow holidays. Travel policies won’t cover skiers and snowboarders for many of the common risks they take, such as skiing under the influence of alcohol or snowboarding in an organised race.”Grant advises those heading to the New Zealand snow to invest a few minutes in comparing travel insurance policies. “Different policies have different options and levels of cover. What’s covered in one may not be covered in the other. The best way to do your research is through an insurance comparison service such as comparethemarket.com.au, which enables you to compare up to 26 travel insurance providers in two easy steps.”

DSC_2293Even if you have a basic travel insurance policy, you may not be covered for snow sports, so this may need to be purchased as an extra.

Many experienced skiers and snowboarders like to test their skills outside of marked ski runs, but if an accident occurs, it’s possible the policy won’t pay out.

An impromptu decision to enter any type of competition could result in paying all costs personally, in the event of an injury.

Not wanting to be a spoilsport, but a few too many drinks in the ice bar could result in greater risks being taken on the slopes. Beware, travel insurers won’t cover you for incidents while under the influence of alcohol, and you can’t choose this as a policy extra!

Sandra Tiltman   PHOTOS: John Pond

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: