Once your travel destination is chosen, transportation and accommodation are arranged, you have already taken care of the main things, and you can start counting down the days until your trip! In the meantime, it is worth considering whether you have a plan B in case an unexpected obstacle arises. For instance, if you need to cancel your trip, your luggage is delayed, damaged, or lost during the flight, or if an accident occurs during your vacation.
A proper travel insurance plan can help you deal with such unexpected events. If travel insurance is available 24/7 and assists in handling unforeseen situations and the costs arising from them. Our experience shows that insurance is very important on skiing trips. Still, we frequently encounter cases where travellers involved in accidents suffer significant losses due to insufficient insurance coverage. So, what are the key elements travel insurance should include to be helpful in emergencies?
Include high-risk leisure and sports activities in your policy
When it comes to skiing trips, the risk of falling must always be considered, even if you are an experienced skier. Sometimes, all it takes for an accident is a misstep, and on the slopes, a less experienced skier can also cause quite a mess. Falls while skiing downhill, colliding with others, or hitting obstacles can lead to various injuries such as fractures, meniscus tears, joint injuries, and ligament ruptures. Often, surgical treatment is necessary, and the cost varies greatly between countries. Here are some examples of claims from our customers:
- In Finland, hospital treatment for a knee injury (without surgery) cost €1,000.
- In Switzerland, treatment and consultations for a knee injury cost €600.
- In Andorra, the treatment and surgery for an injury sustained while skiing amounted to €21,000.
Liability insurance protects you and the property of others
In crowded mountainous terrain, where movement is restricted, unexpected events can occur. If you fall while skiing and injure others or damage their equipment, it will likely lead to a claim for damages. Accidents can also occur when carrying ski equipment, such as accidentally scratching a car or breaking a window. In such events, liability insurance can cover the damages caused to other people.
For example, one unfortunate case involved a person wearing ski boots and carrying skis who tripped while exiting a bus and accidentally broke the bus window with the skis. The insurance promptly covered the cost of replacing the broken window (€2,000), allowing the customer to continue their holiday without significant financial loss.
Also – did you know that liability insurance has been mandatory for skiing trips in the Italian Alps since 2023? Failure to have it can result in a €150 fine.
Luggage insurance for protecting your belongings
If your luggage is delayed, stolen, or lost during transit, luggage insurance can help. Your luggage includes all items you carry on your trip – clothing, footwear, toiletries, cameras, mobile phones, laptops, etc.
Travel interruption insurance for when you cannot travel
Travel interruption insurance is useful in cases where you, your sole travel companion, or a family member falls ill before the trip, forcing you to cancel. In such cases, the insurance reimburses the costs of the cancelled trip that the travel provider does not refund (e.g., partially or fully prepaid accommodation, transport, organized activities). The cancellation coverage is valid already before your trip (insurance period), starting three days after the policy is issued, so it is best to arrange it immediately after booking your trip.