The arrival of winter means planning the perfect ski vacation for many people. What many people don’t realize, however, despite the hundreds of ski accidents that occur each year, is that winter sports may not be covered by their medical insurance plan. Nearly half of skiers on the slopes are not covered by vacation insurance and only 1 in 4 knows enough to ensure they are covered while skiing.
Do you have proper insurance for your winter sport activities?
Part of the fun of skiing and snowboarding is the element of danger involved, but you need to be certain you are protected in the event of the unexpected. Even if you've been able to avoid an accident on the slopes, they do happen and you need to be prepared.
You need extreme sports travel insurance, just in case you are injured, to be afforded these benefits:
- Medical Expenses. These benefits cover you if you need medical care on the slopes. It will also cover care at a medical facility in any country you visit.
- Emergency Medical Evacuation. These benefits will provide you with medical transportation to the nearest medical facility where adequate care can be received or back home, as necessary.
- Multilingual Emergency Assistance. This service helps coordinate your emergency medical care. It will keep you, and the medical staff caring for you, in touch with your family.
You should be aware that a basic travel insurance plan may not be enough. Some providers exclude coverage for skiing and snowboarding and may require that you purchase an optional "extreme sports" rider to include winter sports insurance coverage. Also keep in mind that if you are a more adventurous skier who travels off-piste (out of marked bounds), you will want to make sure your plan includes cover for that also. Even if you are not a skier and you do not plan to hit the slopes this winter, it is important to make sure you have adequate coverage in the event of an accident or illness, regardless of the activities you may be pursing.
MHG Insurance Brokers offer a full line of individual and group insurance benefits for travelers and winter sports fans. Our wide selection of plans include medical insurance, US life and health insurance, disability income protection, life insurance, financial services, and property and liability insurance. MHG offers phone numbers from around the world so you can contact us easily and conveniently from anywhere around the world. Contact us to learn more.