Skiing is one of the most enjoyable winter sports. It can also be an expensive sport to maintain. In fact, skiing can cost you an arm and a leg! Sometimes skiing is not even covered by your health insurance.
So, let’s discuss how to get ski insurance if you live in Vermont.
Let’s start with what type of coverage do you need for your family. Most ski insurance policies offer two types of coverage: medical and damage payouts.
Medical expenses, such as hospital bills, doctor bills, and prescription drugs are typically not covered with a ski vacation package.
Ski vacation packages usually include a lift pass, a ski bag, and other miscellaneous amenities, such as meals at certain resorts.
So do you need ski insurance to afford these extra expenses?
The second type of coverage that you may need is ski insurance to cover injury claims. Claims for injuries are not covered with most ski resort packages, but some do offer it.
Usually ski insurance companies only offer coverage for skiers during their first two years of age. So if your son is only eleven years old and wants to go snowboarding on his own at a local Vermont ski resort, he’ll probably have to pay for his own medical treatment and recovery.
Ski insurance companies also typically offer emergency medical evacuation coverage. This type of coverage is great if you or one of your loved ones is injured during a ski accident.
Usually, you won’t be able to stay at the ski resort, if you have this type of emergency medical evacuation coverage, however. You’ll have to pay out-of-pocket expenses to fly to a hospital.
You may also want to consider how much you’ll travel on the mountain during the winter season. Many people choose to stay at a ski resort for more than four days during the winter season, so they can ski or snowboard down all of the “snowiest” slopes in the country.
However, if you’re only planning to make a couple of day trips, you may be better off buying your own ski insurance instead. Another popular reason for people to take out ski insurance is the possibility of having to make a trip to the hospital after an accident.
Most people are accustomed to thinking of hospitals as being either expensive or unpleasant places. But in many parts of Europe, there are ski resorts that actually offer excellent health care and medical treatment.
In other countries, skiing in the mountains is a major medical treatment option for people who need it. So if you don’t already have this type of medical coverage abroad, it’s definitely worth looking into purchasing a policy that will cover you for these trips.
Many ski insurance policies also include trips to the snowboarding and skiing resorts themselves. If you love to go to these places on your holidays but are not particularly keen on the rough terrain that is most often found in these destinations, then this is one feature that you may want to consider.
Ski insurance will often cover you for the time it takes you to get to your ski resort. In addition to the cost of your accommodation and travel expenses, you may also be covered for meals, telephone calls, gym memberships, and other expenses that you might incur while enjoying yourself at one of Europe’s winter sports destinations.
This is an important thing to know, as you never really know what obstacles are going to come up during your ski trip.
Before you purchase any ski insurance policies, it’s important to consider what exactly is not covered.
- Do you want to be covered for rescue and repatriation services?
- Are you aware of the various medical treatments which are available at the various ski resorts?
- Do you know if you are going to be offered any assistance with accommodation and transport?
There are several different things to consider when it comes to purchasing ski holiday insurance, so take your time and make sure that you get the best possible coverage for the price.