Accidents happen, especially in skiing or snowboarding. Last season, a friend of mine broke his ankle filming in the parking lot of Snowpark in NZ. How did he do it? He tripped.
Make sure you’re prepared for accidents!
So, how do you pick travel insurance that’s right for you?
1) Make sure the insurance covers all your activities
Start by making sure they cover skiing/snowboarding. That’s an obvious one. Now look at what else you’ll be doing.
Think about any other ‘adventure’ type activities you might be doing. Not every insurance covers them so check to make sure.
Activities could include things like:
- Backcountry/Off piste skiing or snowboarding
- Bungee jumping
2) Can you customize your cover? Don’t pay for junk you don’t need!
The problem with most travel insurances, is that they make you pay to cover junk that you don’t need. For example, certain insurances will include car rental cover. Not everyone will be renting a car, but if you pick this insurance you’ll be paying for car cover whether you use it or not.
I can’t stress how important this is. The reason why most insurances are so expensive is because you’re paying for useless junk. Find one that gives you just the bare essentials and you save a lot of money.
3) Make sure it’s easy to make insurance claims
You want a company that offers 24/7 phone lines as well as online claiming. It sucks to be injured on a weekend while you’re trying to sort out your insurance only to find out that they only operate Monday-Friday.
Don’t forget about online claiming as well. It makes it a lot easier when you can put in your claims online and just mail them your receipts.
I’m too lazy to search myself, what do you recommend?
Personally, I’m a huge fan of World Nomads Travel Insurance. They allow all sorts of adventure activities (skiing, snowboarding, sky diving etc) and I use them for every trip.
The reason I love them is simple: They’re cheap, reliable and I don’t end up paying for junk I don’t need.
They start you off with the bare essential medical coverage, then let you select your cover based on the activities you’ll be doing. You just select look at their list of activities and see which things you need to be covered for and select the level that fits. Bingo bango, no extra junk.
Plus, they let you claim online, so at the end of the trip, I just enter all my claims online, put my receipts in the mail and in a couple of weeks, they put the money directly into my bank account. Simple and easy.