When participating in any sport, you should be aware that you are exposed to accidents, and winter sports are no exception. You might think nothing will ever happen to you on the mountain, but it’s always better to have insurance that covers potential accidents to safeguard your own well-being and even that of others.
If you're thinking about enjoying the snow season and are unsure what you specifically need to ensure a worry-free experience, simply read this article where we’ll outline all the details you need to know. Ready?
What’s included in the ski pass?
Whether it’s your first time hitting the ski slopes or you're already experienced in skiing or snowboarding, you’ll need a ski pass to access the facilities and use the lifts. In this case, a basic insurance policy is mandatory, known as the Compulsory Travel Insurance (S.O.V), which legally requires assistance to be provided to anyone injured.
However, this insurance is quite limited, so it’s advisable to have additional accident coverage for any type of incident.
What does snow sports insurance generally cover?
Typically, when you take out accident insurance—whether for snow sports or not—it includes a range of essential protections, such as:- Minor and major injuries.
- Injuries to third parties.
- Illness.
- Death.
- Travel delays.
- Delays due to avalanches.
- Theft and loss.
- Car accidents and breakdowns during travel.
- On-piste rescue and helicopter evacuation.
- Medical transport or repatriation of the insured and their companion.
How do I get the best insurance?
Enjoying your winter holiday with family or friends in the snow is becoming increasingly popular. As a result, insurers may see this demand as a lucrative opportunity.
- Though it may seem obvious, the best thing you can do is check that your policy covers the activity you’ll be doing. Not all policies cover the same sports or experiences, so it’s best to avoid unpleasant surprises and research thoroughly—some may exclude off-piste rescues or transport to resorts.
- Compare prices. Yes, as mentioned, many insurers view these sports as a business opportunity. Travel agencies often offer their own insurance, but it’s wise to shop around separately for the best terms.
- If your snow trip involves a competition, remember this isn’t a standard activity—verify the policy covers such events.
- Check the insurance options provided by your sports federation.
There’s a well-known saying that sums up why you should take out snow sports insurance before hitting the slopes: "prevention is better than cure." Now, all that’s left is to enjoy active tourism in the most stunning landscapes you can find.
