A winter sports holiday is an exhilarating experience but comes with specific risks. Therefore, it's essential to have travel insurance that includes winter sports coverage. Note: this coverage is usually not included in standard annual travel insurance policies and often needs to be added as an extra module.
What does winter sports insurance typically cover?
- Medical expenses: While your basic health insurance covers medical costs abroad up to the standard rates applicable in the Netherlands, expenses in popular winter sports countries like France, Austria, and Switzerland can be significantly higher. An additional medical expenses coverage on your travel insurance covers this difference and may also reimburse the deductible of your health insurance.
- Winter sports equipment: Damage, loss, or theft of your own or rented ski or snowboard equipment is often covered. However, check the maximum reimbursement amounts and any deductibles in the policy terms.
- Accidents: In case of permanent disability or death due to an accident while skiing or snowboarding, the insurance pays out a fixed amount. Note: accidents during off-piste skiing without a guide or during high-risk activities like bobsledding are often excluded from coverage.
- Transport and rescue costs: Expenses for rescue operations, such as transport by sled or helicopter from the slope to a medical facility, can be substantial. Comprehensive winter sports coverage reimburses these costs.
- Liability: If you accidentally cause injury to someone else or damage property while skiing, you are liable. A personal liability insurance policy provides coverage in such cases.
Important considerations:
- Off-piste skiing: Many insurers only cover accidents during off-piste skiing if you are accompanied by a professional guide. Check the policy terms for details.
- EHIC card: Carry your European Health Insurance Card (EHIC). This card facilitates access to medical care in Europe and prevents you from having to pay large bills upfront. With many health insurers, the EHIC is located on the back of your health insurance card.
