What Does Winter Sports Travel Insurance Cover?
Winter presents a diverse array of recreational opportunities. Downhill skiing, cross country skiing, snowmobiling, snowboarding, ice skating, ice fishing, sledding and skating attract the adventurous. Desert locations, too hot to enjoy in the summer, offer opportunities for hiking, golf, rock hounding, gold prospecting and off-road exploration. Winter sports travel insurance provides protection from travel frustrations and the mishaps and accidents that can occur in the pursuit of outdoor adventure.
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Review Your insurance Coverage
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Contact your primary insurance carrier, and review all health, accident and life insurance you have in place. Most policies provide coverage when traveling within the United States or your country of residence. But some limit the extent of coverage outside your home area, and some restrict coverage for high-risk activities. Medicare and Medicaid coverage does not extend outside the United States. You can get travel insurance written for travel within the United States or for trips to international destinations.
Family or Group Travel
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If you are planning a family vacation, many travel insurance brokers offer package policies that include coverage for children under 18 when traveling with a parent. Most policies provide this coverage at no additional charge. Travel Guard, an online broker of travel insurance, offers coverage for children and a waiver for pre-existing conditions if the policy is purchased more than two week before travel. Group travel rates often are available for groups of 10 or more.
Accidental Death Coverage
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Winter sports activities are sometime quite dangerous. Make sure that the coverage you buy has medical coverage, medical evacuation, accident and accidental death coverage. Medical care can be very expensive in a foreign destination, or adequate care may not be available. Winter sports insurance coverage should include medical evacuation and return to your home. Accidental death coverage should provide a designated death benefit and return of remains to your city of departure. Death benefits are normally sold in increments up to $1 million and are in addition to any other life insurance policies you hold.
Comprehensive Sports Travel Insurance
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Search for providers of winter sports travel insurance online. Quote Wright is an Internet insurance provider that offers more than 100 different policies and supplements that provide coverage for almost any circumstance encountered while traveling. Mondial Assistance and NRIOL specialize in golf and skiing insurance, and Access America also has several different options. Use the interactive tools to compare policies from a multitude of reputable providers. Comprehensive policies provide coverage for disruptions in your flight or accommodations, lost luggage or other travel problems.Many types of sports equipment represent a substantial investment, so be sure that the coverage covers replacement of your gear.
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- Photo Credit skiing image by charles taylor from Fotolia.com
