Logic Insurance, Sensible Winter Travel Insurance Cover Advice - Anyone looking forward to a fun-filled winter holiday should, of course, have appropriate travel cover. But it's absolutely essential to conduct comprehensive research and identify the appropriate level of cover and take account of any loopholes that could lead to financial loss.
Some insurers may provide inadequate cover for skiing injuries and foreign legal assistance, but others may not. Prospective travellers should heed the following advice and limit the possibility of incurring substantial expense during winter breaks.
Obtaining Comprehensive Travel Insurance Cover
Some people make the mistaken assumption that annual travel cover will automatically guarantee adequate financial protection during winter holidays. However, such policies may not include protection against injuries sustained while skiing or snowboarding.
It is advisable to read the small print and consider the addition of specialist winter holiday insurance for complete peace of mind. Some insurers may only be prepared to offer cover for holidays in the European resorts, while others might place restrictions upon the duration of cover, and there are plenty of other reasons an existing policy may not be suitable.
Additional Protection
For UK travellers, it is worth acquiring a European Health Insurance Card (EHIC) in case of urgent medical assistance. However, travellers must be aware that the EHIC will not cover the expense of urgent medical transfers or specialist medical treatment.
It is not an adequate replacement for proper comprehensive travel cover. Those who rely completely on the EHIC may face the prospect of having to pay thousands of pounds in the event of serious injuries or illnesses.
Essential Considerations
There is considerable variation in the costs of winter travel cover. Travellers over the age of 60 are typically hit with the highest premiums, as they are deemed as being particularly high risk. Younger travellers without pre-existing medical conditions may be able to find relatively cheap deals, however it is generally worth paying a little extra for added protection on the slopes.
Budget conscious travellers are encouraged to spend some time considering their specific requirements and shopping around for suitable deals. Issues such as insurer reputation, policy excess and customer support should all be taken into account.
Staying Safe On the Slopes
Large numbers of claims are rejected each year because travellers fail to take sensible precautions during their skiing holidays. However, it is possible to guard against potential accidents by wearing protective clothing and sticking to the guidelines while exploring the snow covered mountains.
Skiers and snowboarders should resist the temptation of venturing off piste without a guide. It is also important to ensure that any valuables are stored securely to minimise the risk of theft. If there's any doubt about the likelihood of insurance payouts then it would be advisable to have a good read of the policy small print - nothing should be left to chance.
About author
Patrick Chong is the Managing Director of Insuremore. We provide low priced travel cover with a range of policies including single-trip, multi-trip and family insurance. For all your travel insurance needs, Insuremore can help you in the quickest and most cost-efficient way.
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