According to an article on City A.M, British holidaymakers are largely unprepared when they take to the slopes.
Government figures show that nearly 40% of snow-loving Brits embark on winter sport holidays without travel insurance. Of those who were insured, almost a third (31%) confessed to not checking their policy to see if they would be covered during their trip.
Helpfully, the article offered some advice on what to bear in mind if you're planning such a trip this winter:
Most insurers do not cover winter sports as part of their policies, and without valid insurance you won't be covered for accidents or lost or stolen equipment. Multi-trip policies may allow you to add on a winter sport package, but it's worth comparing prices with a single-trip policy.
Specific winter sports cover will also include benefits such as compensation for not using ski passes due to illness; cover for piste closure due to bad weather; and cover for ski lift passes.
Just as important as choosing the right policy, is making sure that everyone is covered. Make sure any children who do not live with you are covered (most insurers will be happy to do this) - and remember that children aged 18-22 in full-time education can be included in family policies.
Make sure that you understand what your policy allows – for example, some particularly vigorous activities may not be covered. But this also includes off-piste skiing; whilst over 80% of insurers cover off-piste skiing, only 10% of policies cover it without restrictions.
Medical cover is essential for active holidays. Although the European Health Insurance Card means you can access state-run healthcare in EU countries, it should not replace travel insurance, as private medical teams or helicopter rescues will not be paid for.If you have pre existing medical conditions you can compare travel insurance deals with Winter Sports Cover here online at Medical Travel Compared.
While no-one is suggesting that you need to go sober all holiday, most travel insurance policies have exclusion clauses for claimants under the influence – check your policy to see what it covers. This also includes skiing in bad weather or skiing without a helmet.