“Do I need travel insurance for skiing or snowboarding?”
This question often arises from every traveler who wants a winter vacation, especially for those who not only want to enjoy the snow but also want to ski. It doesn’t matter they are professional skiers or they just ski for fun.
To have a fun and safe winter holiday in Turkey, YES, you need to protect yourself and your family with travel insurance for skiing. Even though skiing is fun, there is a risk behind the fun regardless of whether you are a professional skier or not.
In fact, the risk of death from skiing is small. But you have to consider other risks of causing injury.
“Do I need travel insurance for skiing in Turkey?”
Actually, it’s not just for skiing in Turkey, wherever you want to ski, you should consider covering yourself with travel insurance for skiing.
There are risks that lurk behind your pleasure while skiing.
The risks when you want to ski start from the first time you travel with your skis, to the risks when you ski.
Especially if you are going to ski overseas, say you are from the United States and want to ski in Turkey, of course, you have to make sure that the skis you are carrying are always in good condition, not damaged, and that nothing is lost until you land in Turkey.
Skiing is a fun activity.
But have you ever noticed? If we are going to ski at a ski resort, surely we will be asked to wear security equipment, as the simplest one is we are required to wear a helmet when skiing. If there are requirements like this, it means there are risks when we ski.
The greatest risk when skiing is the risk of death, although the mortality rate that occurs due to skiing is relatively small. However, another risk that arises is an injury due to an accident while skiing.
From data that has been disclosed by the National Ski Area Association in its annual report, even deaths in slopes at ski resorts in the US occurred on experienced male skiers who were around 30 years old. And ironically, they died wearing helmets.
Female skiers are also at the same risk. Although the risk figure experienced by female skiers is much less than that of male skiers.
Most common accidents are because the skier hits a tree. They descended the slope at a fast pace, making it difficult for them to control their ski movement.
Beginners who are new to skiing do tend to be more careful when they ski. They did not dare or perhaps could not yet skilfully descend the slope.
However, the prudent condition of the beginner skier does not necessarily keep them free from risk. They can still run the risk of an accident while skiing because they bump into other skiers.
An accident while skiing can be a serious injury, which can require medical attention in a short time.
You can imagine, if you have an accident on the hill while skiing, of course, you also need a fast evacuation service.
Whatever accident occurs due to skiing, it would be better if you get the right medical treatment right away.
This is where travel insurance for skiing in Turkey comes into play. They will make sure you are safe every time you ski.
Experienced skiers are found to have a high risk of accidents when they are skiing.
The logic is that if there are experienced skiers, they will be safer skiing because they already know the risks when skiing.
But it turns out that research says something different.
Experienced skiers feel that they are good at skiing. Conditions like this often make them feel motivated to push the boundaries more.
Experienced skiers’ adrenaline increases the moment they enjoy the powder. They will ski faster, and they will ski closer to the trees.
Experienced skiers usually don’t think about the risks before they go skiing. They only think about the fun and satisfaction they will get while skiing.
This is where experienced skiers will have the same risk, even greater when compared to other people who only ski for fun.
To minimize this kind of risk, ski resorts usually have different tracks for experienced skiers. The ski resort will ensure the terrain is safe to pass. However, the risk can still lurk skiers.
Some experienced skiers sometimes still understand a little about the risks of skiing near trees. They don’t care about tree wells.
Tree wells can be a trap for skiers. The more they try to get out of the well, the deeper they will be buried.
In addition, speed is a major factor in the number of accidents while skiing. And of course, people who dare to ski fast are experienced skiers.
So, even if you are an experienced skier, you should still consider protecting yourself with travel insurance for skiing.
Does health insurance cover skiing?
“Do I need travel insurance for skiing if I have health insurance?”
Travel insurance for skiing and health insurance have different purposes.
Health insurance focuses more on covering health care. Meanwhile, travel insurance is more about providing risk cover while you are traveling abroad, where the cover for emergency medical care is included in travel insurance. Especially for ski travel insurance, this coverage will cover medical treatment caused by injuries while skiing, and also protect your ski equipment.
So if you ask if you still need travel insurance if you already have health insurance, then the answer is yes. The goals of health insurance and travel insurance specifically for skiing are different.
And you need to know too, travel insurance is not included in health insurance.
What is covered and not covered in travel insurance for skiing?
As for what is covered and what is not covered, maybe each travel insurance provider for skiing has its own policy.
We see that every travel insurance provider has the benefits they offer to potential users.
And when it comes to the decision on which travel insurance for skiing is suitable, it all depends on the user. Each user may have different expectations for travel insurance.
Here we take an example of travel insurance for skiing from WorldNomads.com.
The name World Nomads must be familiar to travelers. Even National Geographic and Lonely Planet often say good things about World Nomads.
From what we can conclude, most people using WorldNomads.com are due to its flexibility in registering for their travel insurance. It can all be done online, and people can even purchase travel insurance when they are already traveling.
WorldNomads.com offers coverage for certain activities, adventures, and sports. You can see the details here.
Especially for skiing, here are the things they offer.
WorldNomads.com can provide protection for the following styles of riding:
- Skiing and boarding within resorts.
- Cross country skiing on marked trails.
- Backcountry skiing or boarding.
- Terrain parks.
- Heli-skiing and heliboarding (only available on the Explore plan WorldNomads.com).
- Snowmobiling, ice skating, snow rafting.
- And much more.
Basically, World Nomads has two plans for travel insurance for skiing, namely the Standard plan and the Explore plan.
Of course, the Explore plan has more comprehensive benefits and protection when compared to the Standard plan.
From each plan provided, they can cover several snow playing experiences such as:
- Off-trail skiing and snowboarding (unless determined unsafe by the resort management).
- Skiing and snowboarding within resort boundaries.
- Cross country or Nordic skiing on marked trails.
- Ice skating (be it indoor or outdoor, or in a frozen lake or river).
- Skijoring and snowblading.
If you want a more adventurous experience, WorldNomards.com provides a solution in their Explore plan. Some of the adventures they cover in this plan are like:
- Alpine touring and backcountry skiing.
- Skiing outside the resort boundaries.
- Free-style skiing, jumping, flying, acrobatics, and stunting.
- Terrain parks within the resort.
- Skiing by helicopter or snowcat.
Ski instructors or guides, whether paid or volunteering, can be covered with this Explore plan.
What is covered by travel insurance for skiing?
As explained in the previous section, travel insurance for skiing will provide protection against several things related to your snow playing activities, either directly or indirectly.
Of these, health protection is included in travel insurance for skiing.
The four main things that will be covered in travel insurance for skiing are:
1. Trip protection.
These points here will protect you from the risk of your vacation experiencing an unwanted cancellation.
2. Emergency medical insurance.
These points here will provide protection against your medical costs or dental costs.
3. Emergency evacuation.
These points here will ensure you get emergency medical transportation services. Travel insurance will ensure you get a treatment at the hospital immediately or get you home as quickly as possible.
4. Protection for your gear.
These points here will provide protection for your equipment from the risk of being lost, stolen, or damaged.
And there are still several other benefits that you can get, such as:
- Emergency accident and sickness medical expense.
- Accidental death and dismemberment.
- Repatriation of remains.
- Trip cancellation.
- Trip interruption.
- Trip delay.
- Baggage and personal effects.
- Baggage delay.
- Rental car damage.
- General global assistance (24-hour assistance services).
- General global assistance non-medical emergency transportation services.
What is not covered by travel insurance for skiing?
There are several conditions that cause travel insurance to not cover your risk when skiing.
In order for you to stay covered by travel insurance, of course, you must always comply with the rules given by the snow resort. Or if you use the services of ski instructors or guides, just follow what they say. They usually already understand how to keep you safe and covered with travel insurance for skiing.
Here are some points that can cause travel insurance to not cover your skiing activities:
- You do not comply with the rules given by the resort, ski instructor, or guide.
- Your skis won’t be covered if it gets damaged because of your mistake in using it.
- You participate in a race or competition as a professional athlete.
Our advice, when you buy travel insurance for skiing, make sure you peruse your insurance policy. Know the details of the plan that you will buy, including what cover you will get, what is not included in the policy, what conditions make you covered or not covered with travel insurance, and how you can claim the insurance.
An overview of how travel insurance for skiing works.
No one can predict how an accident will happen while we are skiing. And hopefully, not a single accident will happen to us while we ski.
This section will only help to give you an idea of what if you get injured on the slopes and how this skiing travel insurance will work:
- Travel insurance will help you with an emergency evacuation.
- Travel insurance will help your expenses related to emergency medical expenses at local hospitals or medical centers.
- Repatriation: If a fatal accident occurs, travel insurance will be responsible for bringing your remains back home.
- Gear protection: Your skis can be covered if they are stolen, lost, or damaged. But usually, this coverage is secondary to the coverage provided by your carrier.
FAQs about travel insurance for skiing.
Of the several conditions associated with risks while skiing, there are some things that people often question if they experience something unwanted.
These questions at the same time will give confidence to many people about how important it is to use travel insurance for skiing.
From WorldNomads.com, here are the most frequently asked questions:
|How will I be taken to the medical center if I have an injury on the mountain?||If you are at the top of a hill, the first thing is for you to contact the ski patrol and ask for a local handler immediately. If you are already in the village, you can contact the World Nomads emergency assistance team, and they will arrange it until you are taken to the nearest medical center. If needed, the team will assist with emergency transportation arrangements.|
|What if the airline damages my board or skis?||If it is proven that your skis are damaged by an airline, then World Nomads can help cover some of the costs for replacing your equipment.|
|Will travel insurance cover up-front medical expenses or do I have to pay first and claim it later?||If you have to be hospitalized because of an accident, then a travel insurance company can help cover your medical expenses upfront.|
Skiing during the winter holidays in Turkey is one activity that is very fun.
By skiing, you can channel your adrenaline, or you can simply unwind by having fun playing in the snow with your family.
Don’t spoil your fun with the risks behind skiing that might happen.
Don’t waste your mind and energy thinking about how you will manage risk if something unwanted happens.
Travel insurance for skiing is not only about the coverage related to medical treatment if we get injured while skiing.
Travel insurance coverage for skiing is fairly comprehensive. Starting from protection for your trip such as cancellation of trips, protection for the skis that we carry, to medical protection if we experience injuries in the slopes, even to protection if we die from skiing.
The risks when playing snow can happen to anyone. Whether it’s beginners who are learning to ski, to people who are experienced skiing have the same risk.
Do you want to have fun skiing safely? Make sure you complement your winter vacation in Turkey with travel insurance for skiing.
Do you want to get a quick travel insurance online quote?
Get travel insurance quotes for skiing. Complete your winter vacation plans in Turkey on this page. And you will immediately get a quote along with details of travel insurance coverage for skiing that have been tailored to your travel plans.