Best Ski Travel Insurance 2024
If you're planning for a ski trip this winter, don't forget to purchase travel insurance that covers amateur dangerous sports once you finish booking your flight and hotel accommodation. Although coverages may vary among different providers, they generally provide coverage for amateur dangerous sports and activities.
If you would like to find out more about ski travel insurance, read this article to learn more about ski travel insurance’s key coverage, what to consider before buying one, and our ski travel insurance recommendations.
Ski Travel Insurance Guide
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Ski Travel Insurance Essentials
What Does Ski Travel Insurance Cover?
Ski Travel Insurance Essentials
Ski Travel Insurance Should Also Cover the Following
Ski Travel Insurance Essentials
Best Ski Travel Insurance
Ski Travel Insurance Essentials
Everything You Need to Know About Making a Travel Insurance Claim
Ski Travel Insurance Essentials
Tips for First Time Skiing
FAQ
Frequently Asked Questions
What Does Ski Travel Insurance Cover?
Medical Expenses
If the insured is injured during skiing and needs to be taken to the hospital, the medical expenses involved will be covered by the insurance company. However, it is important to note that the medical expenses must be incurred by the insured within 180 days from the first injury. In addition, many insurance companies such as Allianz, Starr, MSIG and FWD also provide overseas hospital cash allowances to fund the daily expenses of the insured.
Personal Accident
If the insured is injured during skiing, and resulting in death, total permanent disability or loss of any major body organ or part within 12 months of the accident, the insurance company will pay out a percentage based on the severity of the injury. The maximum compensation amount ranges from HK$500,000 to $1,500,000.
Follow-up Treatment
If the policyholder is injured during skiing, and a follow-up treatment is required within 90 consecutive days after returning to Hong Kong or within 90 consecutive days after the policy has expired, (whichever earlier), the cost incurred will be covered by the insurance company.
However, the insured must have received the first medical treatment outside Hong Kong. In addition, some insurance plans will cover the cost of follow-up consultations by registered Chinese medicine practitioners / bone-setting / acupuncturists or physiotherapists referred by doctors.
Ski Travel Insurance Should Also Cover the Following
- Damage, theft or loss of skiing equipment whether it is your own or hired
- Loss of ski pass
- Equipment hire if your luggage is lost or delayed during the outbound journey
- Delays caused by an avalanche
- A lack of snow, too much snow, high winds or avalanche risk resulting in piste closure for over 24 hours
- Personal liability coverage in case you cause injury to someone else
Best Ski Travel Insurance
![Allianz Travel - Gold Plan [for ages 0 to 54]](https://photos-hk.cdn-moneysmart.com/travel_insurance/uploads/products/images/image_url_2022-11-29_Allianz_Travel_HK_NewHeader.png)
Allianz Travel - Gold Plan [for ages 0 to 54]
- Medical Expenses
- HK$2,000,000
- Travel Cancellation
- HK$40,000
- Loss/Damage of Baggage
- HK$25,000
- PremiumPremium
HK$326.30140% Off - HK$195.78
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- Maximum amount of overseas hospitalization subsidy: HK$10,000 (HK$500 per day) (cash)
- Emergency Medical Evacuation Coverage: Based on actual expenses
- Maximum medical insurance amount: HK$2,000,000
All the above contents are for reference only, for the most accurate information, please refer to the official website
AXA SmartTraveller Plus Premier Plan
- Medical Expenses
- HK$500,000
- Trip Cancellation
- HK$50,000
- Loss/Damage of Baggage
- HK$8,000
- PremiumPremium
HK$33025% Off - HK$247.50
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- Maximum amount of overseas hospitalization subsidy: HK$500,000
- Emergency Medical Evacuation Coverage: Based on actual expenses
- Amount of coverage for follow-up consultation due to accidental injury: HK$500,000
All the above contents are for reference only, for the most accurate information, please refer to the official website
STARR Companies TraveLead Extra Plan
- Medical Coverage (Overseas)
- HK$1,000,000
- Trip Cancellation
- HK$25,000
- Loss/Damage of Baggage
- HK$10,000
- PremiumPremium
HK$24735% Off - HK$160.55
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- Maximum amount of overseas hospitalization subsidy: HK$4,000
- Emergency Medical Evacuation Coverage: Unlimited
- Medical coverage amount: Maximum HK$1,000,000
All the above contents are for reference only, for the most accurate information, please refer to the official website
- Medical Expenses
- HK$1,000,000
- Trip Cancellation
- HK$20,000
- Loss/Damage of Baggage
- HK$15,000
- PremiumPremium
HK$27930% Off - HK$195.30
- Maximum amount of overseas hospitalization subsidy: HK$5,000 (cash)
- Emergency Medical Evacuation Coverage: Based on actual expenses
- Maximum medical insurance amount: HK$1,000,000
All the above contents are for reference only, for the most accurate information, please refer to the official website
Everything You Need to Know About Making a Travel Insurance Claim
The policyholder is required to inform the insurance company in writing within 21 or 30 days (depending on the requirements of different insurance companies) after the incident occurs and provide the following relevant documentation:
Medical Coverage
- Medical certificate
- Invoices from the clinic or hospital
Personal Accident
- Medical certificate to prove the degree of disability
- Police report
Emergency Assistance
- Death certificate
- Coroner's report
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Tips for First Time Skiing
Activity Height/Depth/Age Limits
Some insurance companies impose height, depth, and age restrictions. If you plan to purchase travel insurance, it’s best to review the main exclusions of each policy beforehand to ensure the activities you participate in are covered.
Translation Assistance
Most insurance companies provide a 24-hour emergency support hotline to assist overseas customers, such as arranging interpreters or hospital admission deposits. Additionally, if you are injured while skiing and require hospitalization, it is recommended to contact the insurance company immediately.
Doctor Advises Policyholder to be Treated in Hong Kong but Got Rejected
If local doctors certify that the injured party can be treated in Hong Kong, but the individual refuses, the policyholder may not be able to claim reimbursement for the related medical expenses.
FAQ
What is not covered in ski travel insurance?
- Some insurers impose restrictions on height, depth, or age. Therefore, it is important that you read the exclusions before purchasing the insurance to manage your expectations.
How to choose ski travel insurance?
- Policyholders should pay attention to 1) compensation amount, 2) exclusions, and 3) deductible costs to ensure the journey is covered.
Can I get travel insurance with pre-existing medical conditions?
- Yes, you can get travel insurance even with pre-existing medical conditions, but it may be more expensive.
Does regular travel insurance cover skiing?
- Yes, for example Allianz Travel, AXA SmartTraveller Plus Premier Plan, STARR Companies TraveLead Extra Plan, etc cover skiing.