Ski Travel Insurance

Discussion in 'Passport' started by wat17, Jun 22, 2012.

  1. Dave6

    Dave6 Dedicated Member
    Season Pass Silver

    Joined:
    Mar 16, 2006
    Messages:
    1,292
    Likes Received:
    154
    Ouch might not even cover off piste within resort - depending on your definition of maintained.

    It was good while it lasted, but need to find a new insurance policy.

    [​IMG]
     
    Born2ski likes this.
  2. Dave6

    Dave6 Dedicated Member
    Season Pass Silver

    Joined:
    Mar 16, 2006
    Messages:
    1,292
    Likes Received:
    154
  3. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
  4. skidiva

    skidiva Well-Known Member

    Joined:
    May 17, 2013
    Messages:
    494
    Likes Received:
    396
    I have insurance with 1cover who do cover off piste within resort boundary. Ouch does seem to have severe limitations that I was not aware of. The ski patrol thing can be a problem as there are runs in some of the resorts I ski where the off piste is within resort boundary but there are signs that it is not patrolled by ski patrol at end of day so that would be excluded by ouch. Ouch seem to be too limited.
     
  5. Nozawaman

    Nozawaman Addicted Member
    Season Pass Gold

    Joined:
    Nov 7, 2002
    Messages:
    5,656
    Likes Received:
    1,348
    I rang them and the definition is that as long as the heli lands and you get out then you are covered . They put a note on my policy stating that the heli will land then we will ski down then be picked up again . This is for my trip to Alaska
     
  6. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
    LOL Hmmm ... So by land ... Does that include a skid in ridge drop off? Definition of 'land' worries me.

    So they'd cover a hike to ride not in a resort then?
    With or without a guide?

    I think I need to contact them.

    It's a very new change.
    I used ouch for heli skiing in chile 3 weeks ago and had an email confirming we were covered for that.
     
  7. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    That list above also says iTREK don't cover off piste but there's nothing in their actual policy details stating this. I've sent them an email asking for more detail.
     
  8. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    Ouch have lost my business. When policies start excluding off piste and talking about covering "groomed" or "maintained" runs only, I'm out. What happens if they have fresh snow overnight and they don't groom all the runs, does that mean you're not covered when you ski that run ? Too many out clauses.

    All I want is a simple policy that does not "exclude" skiing for injuries. I don't care about all the closed piste, ski rental extras, just cover me for injuries.
     
    skidiva, Dave6 and LMB like this.
  9. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    Nobody skis on piste these days. They'll have to change their policies soon!
     
  10. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    Email response from iTREK insurance. So even though their policy wording says nothing, they still exclude it.

    Thank you for your email.

    We cover skiing/snowboarding automatically on our policies provided it is on piste, on the groomed runs within resort boundaries.

    I have also attached for your convenience a list of activities that we cover automatically.

    Please refer to the PDS for general exclusions
     
  11. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    I emailed fastcover last week regarding cat and heli skiing. The email I got back said that heli was covered providing it was "within the resort boundaries" I queried the girls knowledge who promptly replied that she had spoken with her supervisor and heli skiing was covered providing you're with a guide. We really are dealing with stupid people...... although I'm sure there are plenty here with there own personal helicopter and private ski resort to land in....
     
    skidiva, LMB and travelislife like this.
  12. Heinz

    Heinz Old And Crusty
    Season Pass Gold

    Joined:
    Oct 14, 2005
    Messages:
    22,229
    Likes Received:
    4,125
    ROFL
     
    LMB likes this.
  13. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
  14. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
    Seriously stupid people.
     
    skidiva likes this.
  15. Dave6

    Dave6 Dedicated Member
    Season Pass Silver

    Joined:
    Mar 16, 2006
    Messages:
    1,292
    Likes Received:
    154
    This is a painful exercise reading through PDS's. Plenty of options for heli and cat skiing. Not many choices that cover in-bounds off piste (without guide) and terrain park.
     
  16. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    The greater majority cover "inbounds off piste" without a guide. The issue is we need off piste outside of "patrolled" areas.
     
    LMB likes this.
  17. Dave6

    Dave6 Dedicated Member
    Season Pass Silver

    Joined:
    Mar 16, 2006
    Messages:
    1,292
    Likes Received:
    154
    Maybe. I see this type of definition in a lot of policies which may indicate otherwise for skiing in unmarked in-bounds areas.

    [​IMG]
     
  18. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    You and me both.

    The really annoying thing is even when you pay extra for their snow sports cover they often still have lots of exclusions. And then when you think you've found the right one, because it doesn't mention any exclusions in their PDS, when you cantact them they tell you about all these extra exclusions that are not written in their PDS. Driving me mad. :headbang:
     
    Dave6, Chillybin and LMB like this.
  19. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    Whoever finds the answer please post :cheers:
     
    Dave6 likes this.
  20. oreo

    oreo Dedicated Member
    Season Pass Gold

    Joined:
    Jun 15, 2007
    Messages:
    1,439
    Likes Received:
    156
    If it's not an exclusion in their PDS then it's covered; that is, in the absence of your express communications with them which may alter the terms of the agreement, the PDS forms the contract between you and the insurer. </not legal advice>

    In answer to the people on the page before, yes, it is my understanding and experience that QBE will cover you with and without a guide as per the lack of distinction in their PDS.

    Sorry for the delay in replying, I was out backcountry skiing without a guide.
     
  21. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    Which basically means if you can't find the exclusion in their PDS, don't ask them for more details. Or if you really must, ask them over the phone without providing your name, stay anonymous.
     
    Marty_McSly and Ozgirl like this.
  22. smackies

    smackies Addicted Member
    Season Pass Gold

    Joined:
    Oct 29, 2002
    Messages:
    7,179
    Likes Received:
    989
    ^ That's a bit silly.

    Insurance policies are intentionally ambiguous.

    Work on the basis that your insurer will look for a way to exclude your specific incident/injury. Both general and specific exclusions are worded ambiguously to assist that. Most of the questions on this thread relate to grey areas in PDSs. If you don't get clarity on things like "inbounds", "high risk" and m "off-piste" you're at real risk of getting a claim knocked back.
     
  23. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    Silly ? You want to hear how "silly" travel insurance can be.

    ITrek travel insurance have NO specific snow sports exclusions in their PDS. When I contacted them they said they only cover "on piste groomed runs within resort boundaries". In the same email they attached a list of activities they automatically include. On that list was -
    - Cat skiing
    - Heli skiing

    Now I've only been skiing for 32 years so maybe I've missed the latest trend but can anyone tell me the last time they went "cat skiing" or "heli skiing" on an "on piste groomed run within resort boundaries" ? ......Anyone ?
     
  24. gareth_oau

    gareth_oau Old And Crusty
    Season Pass Gold

    Joined:
    Dec 27, 2008
    Messages:
    37,422
    Likes Received:
    9,243
    yep, contract law requires a term/condition to be brought to your attention before the contract is executed
     
  25. smackies

    smackies Addicted Member
    Season Pass Gold

    Joined:
    Oct 29, 2002
    Messages:
    7,179
    Likes Received:
    989
    Freelegal.com.au
     
  26. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    OK I've decided to go with No Worries insurance.
    https://www.noworriesinsurance.com.au/travel-cover/ski-snowboard-–-travel-equipment-cover
    There's also 10% off premiums with this promo code - SNOSAFE

    They specifically state they do cover "off piste" skiing on their website and there is no mention of "groomed runs" or "maintained runs" within their PDS. And I have checked this over the phone with them.

    BUT, this policy will not suit everyone as they do specifically exclude heli skiing and alpine touring (randonee).

    These are the winter sports they exclude as per their PDS -

    ski- jumping / stunts / mountaineering / randonee, heli-skiing / boarding, ice hockey, speed skiing, cresta run or the use of bobsleighs or skeletons.
     
    Dave6 likes this.
  27. main street

    main street Sun Peaks Resident
    Season Pass Gold

    Joined:
    Jul 11, 2006
    Messages:
    70,827
    Likes Received:
    4,383
    At the end of the day, making sure of your insurance cover is essential.

    The costs for my recent 9-10 day guided tour of the ICU at Kelowna General are well in excess of $100,000,...... Add a 190klm ambulance ride to that as well.

    Fortunately I have the Canadian equivalent of Medicare (BC-MSP) & was fully covered.

    Also be aware that most hospitals have vastly different rates for visitors,..... This can be triple in some cases & can mess with your "overall cost limits" per claim.
     
  28. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
    Yep. Our Spaniard is going home on Wednesday morning, he has to see a neurologist and the cost to deal with this health issue here even with international student cover is nuts. :( Almost 3 years to the day he arrived.
     
  29. Born2ski

    Born2ski Part of the Furniture

    Joined:
    Aug 29, 2006
    Messages:
    14,927
    Likes Received:
    4,341
    I'm glad you brought this up MS.

    As I'm getting older the problem I find with all travel insurance policies is how they exclude most pre-existing medical conditions. They'll cover you for $25million if you get hit by a bus, but nothing if a pre-existing medical condition decides to pop up while you're overseas.

    So I went looking for options and found there are visitor medical insurance policies that will cover you for ALL pre-existing medical conditions as long as they have been stable for between 90-180 days before your trip.
    Just one of the sites I found - http://www.visitorsinsurance.ca/#/

    These policies could be a good option for those of us that are no longer 20 year olds in perfect health.
     
    Dave6, markopolo and LMB like this.
  30. skidiva

    skidiva Well-Known Member

    Joined:
    May 17, 2013
    Messages:
    494
    Likes Received:
    396
    My fear of not being able to go skiing due to lack of insurance cover for any pre existing medical conditions is why I do not go for mammograms, and all the other sorts of tests that are recommended for some one who is 54. That is so that I can happily state no pre existing medical conditions. I know I will not get chemo or any other invasive treatment so there is no need for me to know if I have a problem. I do not fear death. So I choose to do what I want until I drop. At the moment I feel great so ignorance is bliss - for me.
     
    craighelo and Chillybin like this.
  31. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    Yeah I subscribe to the " no news is good news" publication. It's funny you say that. The first thing I think of every time I get an ache or pain is i'm not going to the dr in case it's bad news and affects my skiing and insurance cover....... lucky my wife's a dr though...... but refuses to deal with me because I'm a big girl :oops:
     
    skidiva likes this.
  32. SkiBeach

    SkiBeach Active Member

    Joined:
    May 11, 2012
    Messages:
    34
    Likes Received:
    20
    For the last two trips to Japan I have emailed AAMI asking:
    Does your policy cover the following:
    - Off-piste skiing within resort boundaries
    - Sidecountry / Backcountry / out of bounds skiing both guided and unguided
    - Cat skiing with a tour operator​

    And again today I emailed them asking the same questions and again they have responded:
    With regards to your enquiry we can confirm that there have been no policy changes since you have written us last time.
    We will cover you for any off-piste or back country skiing, whether within a resort or outside. Cat skiing with a tour operator is also covered.
    However we will not cover any form of competitive, professional, or heli-skiing.​

    I've never had to claim for travel insurance, have had good dealings with their car insurance so AAMI gets my money again.

    Hope this helps others with their travel insurance decision.
     
    dr80, Ozgirl, TropicalPow and 3 others like this.
  33. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    I still cannot comprehend how an insurance company can let any clown and there dog into avalanche country without knowing if they have the skill/training or even the gear. I know 90% don't have any! Yet you cannot go heli skiing on their cover with a licensed operator who is avalanche trained........ why!!!!
     
    Dave6 likes this.
  34. Budgiesmuggler

    Budgiesmuggler Addicted Member
    Season Pass Gold

    Joined:
    May 7, 2010
    Messages:
    5,173
    Likes Received:
    2,203
    No one who travel overseas skis on piste!
     
    skidiva and LMB like this.
  35. Budgiesmuggler

    Budgiesmuggler Addicted Member
    Season Pass Gold

    Joined:
    May 7, 2010
    Messages:
    5,173
    Likes Received:
    2,203
    From the sounds of th above providing the helicopter lands and you get out then ski, you're covered.

    They probably have image of fluro spandex launching yourself from a helicopter onto the slope.
     
    LMB likes this.
  36. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
    Clearly because they don't actually understand the risks in each scenario.

    It's a maths equation LOL
    Heli + big mountains + Ski/board = you're all gonna die!
     
  37. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
    Except they do!
     
  38. Heinz

    Heinz Old And Crusty
    Season Pass Gold

    Joined:
    Oct 14, 2005
    Messages:
    22,229
    Likes Received:
    4,125
    Yes, it is pretty baffling. They still clearly struggle with the concept of how heli-skiing works. I've made similar queries in the past and the response has been basically as above - as long as it is landing. I think they may be concerned you may be jumping out of the machine James Bond style. It is probably more that than the skiing aspect itself which is always guided and with the appropriate gear so much better prepared than any unguided backcountry.

    Yeah defining landing is not quite clear. As above I would assume the insurers would say that it has at least one skid on the snow and you are stepping out, rather than jumping out. Heli operators probably have a more precise definition as thy count the flying time of the machine which is the time the pilot has the power on. Normally when they land properly they will take the power off. On odd occasions though if the landing zone quite uneven or there is shifting wind they will keep the power on while you get out. I've had a few where there is a bit of a drop and you have to step onto the skid or hop down half a meter.
     
  39. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
    Same.
    And live pick ups too.

    Some of those sketchier drop offs are high risk for the heli. If you jump rather than ease out....well big weight shifts arent great in that situation. I reckon if they knew ANYTHING about heli's they'd exclude ridge drops if they're mitigating the high risk aspects - on the snow or not.
     
  40. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    Even worse when you jump and your abs was deactivated as per flight policy....
     
  41. Dave6

    Dave6 Dedicated Member
    Season Pass Silver

    Joined:
    Mar 16, 2006
    Messages:
    1,292
    Likes Received:
    154
    Great to know. Thanks.

    AAMI also seems to be a bit less restrictive in their definition of pre-existing medical conditions. If I am reading the PDS correctly, medical conditions not requiring treatment 90 days before the policy date are not considered pre-existing (unless chronic). I had an arthroscope on my knee earlier in the year so this is just another issue to consider when selecting a policy.
     
    LMB likes this.
  42. Budgiesmuggler

    Budgiesmuggler Addicted Member
    Season Pass Gold

    Joined:
    May 7, 2010
    Messages:
    5,173
    Likes Received:
    2,203
    That was my point
     
  43. Beerman

    Beerman Dedicated Member
    Season Pass Silver

    Joined:
    Jan 15, 2015
    Messages:
    1,205
    Likes Received:
    555
    Give up skiing/boarding ??................:out:

    AAMI worked for our Jan 2016 Japan trip, and probably will do again.
     
  44. Chillybin

    Chillybin Active Member

    Joined:
    Sep 16, 2016
    Messages:
    112
    Likes Received:
    30
    Yeah it's just easier to find a new hobby..... I'm going with Fastcover. They cover my heli and cat skiing plus off piste within the resort boundaries. Be sufficient this time. Will need an option next time I'm back in Japan to cover backcountry as I'm nowhere near a resort.....
     
  45. Crystal

    Crystal Sand skier extraordinaire
    Moderator Season Pass Gold

    Joined:
    Jan 1, 1970
    Messages:
    17,450
    Likes Received:
    1,017
    Has there been any new develops on the rental car insurance front.
     
  46. Beerman

    Beerman Dedicated Member
    Season Pass Silver

    Joined:
    Jan 15, 2015
    Messages:
    1,205
    Likes Received:
    555
    I checked this link out, and their Comprehensive and mid level Insurance recommendations (Fast Cover and Columbus) does not cover off piste!!!!!!!!!

    We went with AAMI for Jan this year and it does/did cover off piste. Their PDS was not thorough, but enough detail to confirm off piste was included. Things may have changed in the 10 months since though.
     
    LMB likes this.
  47. LMB

    LMB Part of the Furniture
    Season Pass Gold

    Joined:
    May 6, 2010
    Messages:
    19,088
    Likes Received:
    6,040
    I also went with AAMI in Feb/March but the heli in Chile was another matter.
    I think we resolved they STILL cover off piste but are not very good at spelling it out.
     
  48. Olgreg

    Olgreg Dedicated Member
    Season Pass Silver

    Joined:
    May 21, 2011
    Messages:
    1,173
    Likes Received:
    722
    I just confirmed with AAMI that they cover skiing and boarding except if it is professional, competitive or to earn an income. The response went on about replacement of equipment, so I have replied to clarify about off piste, OOB, etc. Will post when I get it.
     
    Ozgirl and LMB like this.
  49. Amelia1810

    Amelia1810 Active Member

    Joined:
    Nov 18, 2013
    Messages:
    253
    Likes Received:
    154
    Anyone had experience with getting travel insurance for someone with a pace maker? Or how to go about this?
     
  50. Nozawaman

    Nozawaman Addicted Member
    Season Pass Gold

    Joined:
    Nov 7, 2002
    Messages:
    5,656
    Likes Received:
    1,348
    I cancelled my Alaska policy because AAMI couldn't /wouldn't give me written confirmation of my coverage for heli skiing , the best they could do was put a note on my file saying that it is .
    Went with Fastcover which states heliskiing is covered , and was also cheaper !!!!!