Insurance Blog

Posted: 11/30/20223,696 Views

Winter sports are an important pastime for many travelers throughout the world. Snowy landscapes and biting cold temperatures that may make some want to stay indoors beckon to others to get outside and enjoy the season. 

The Right Travel Insurance for Winter Sports

If you’re visiting the USA, it’s essential to have visitors insurance to cover you for new illnesses and injuries that may occur during your trip abroad. 

If your trip is taking you outside the USA, travel medical insurance can allow you to access quality medical care outside your home country for a predictable price.

For US residents traveling domestically or abroad, travel insurance can offer essential trip protection benefits such as trip cancellation and emergency medical coverage

If your trip involves winter sports, including skiing, snowboarding, snowmobiling or ice climbing, you need to carefully read any insurance policy before purchasing it. Certain activities may be considered hazardous sports by the insurance provider, and may not be covered by standard insurance policies.

Therefore, make sure that any activity you take part in during your trip is covered by the plan you’re purchasing. If it is excluded from coverage, your claim may be denied if the injury or illness occurs while participating in it.

Hazardous Sports Travel Insurance

If the winter sport you plan to take part in isn’t covered by the policy you want to purchase, you should explore hazardous sports travel insurance. It is specifically designed to cover extreme sports activities that are typically excluded from coverage by standard policies. But once again, you need to read the policy certificate prior to purchase, so you have a full understanding of what winter sports are included or excluded from coverage.

And don’t just consider the type of winter sport you intend to take part in. Also take into account where you’ll be participating in it. Some insurance plans may have altitude restrictions, wherein the insurance would not cover you if you became sick or injured above a certain altitude. This is especially important to consider for activities like mountain climbing or heli-skiing.

Whether or not hazardous sports insurance is a requirement for your trip ultimately comes down to what you plan to do, where you plan to do it, and what plan you’re purchasing. It is important to do your research ahead of time, so you don’t find yourself in a situation where you aren’t covered for something you thought you were covered for. If you have any questions or need further clarification, please contact us.

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