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Ski Specific Travel Insurance

Discussion in 'Snow Talk' started by LMB, Aug 1, 2016.

  1. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Put the insurance in the Missus name! (you better be taking her and the sprog!)
     
  2. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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    haha not this time, boys trip!
     
  3. nezumi

    nezumi One of Us Ski Pass: Silver

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    Wow, the price difference from base cover, to including snowsports, to including off piste and BC, is ridiculous!

    For me (35yo) on a 3 week return trip it goes (for the top level of cover and 2 weeks snow cover) $81.18, to $239.18, to $555.18!

    That's a pretty substantial increase in my eyes.
     
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  4. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    So when are where is she going for the girls trip?

    I leave in 12 days! She welcome to come to Niseko with me (not that we have meet! LOL)
     
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  5. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    I am also trying to confirm if you are covered without a guide...
     
  6. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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  7. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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  8. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    You really need our expert @Any. But he's a bit fed up!
     
    Any likes this.
  9. Any

    Any One of Us Ski Pass: Silver

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    ive seen this pds before. absolutely no idea how to get a quote for it and their website doesn't let you actually buy it. its either not available option (if you select japan) or errors (if you select usa).
     
  10. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    I’m trying to work out when it becomes acceptable to go without a guide - some of them have less bc training than I have (not the ones I use mind you)...

    (just did another full day of avy training and group and individual practice searches with single and multiple burials today!)
     
  11. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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    OK i think i am going to go with:

    CBA with snow sports + which allows for:
    - heli-skiing/boarding if you are on a guided tour with a licensed tour operator
    - skiing or snowboarding outside piste boundaries, provided you are not going against local advice or warning

    A little concerned that it is "outside piste boundaries" which could be interpreted as still within the resort, although the bit about local advice and warning would seem to suggest it is outside the resort, seems sufficient for gates. Would prefer if the word "backcountry" was used.

    OR

    Covermore with snow sports platinum
    - Gate Skiing / Boarding
    - Unguided Backcountry Skiing (not overnight and no extreme skiing)
    - Cover applies outside the resort boundary if you are not alone

    definition of "extreme skiing"? :whistle:. No "extreme skiing" disclaimer for gate skiing.

    Also joining the Alpine Club Melbourne to cover search and rescue

    Sorry for the multiple threads!
     
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  12. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Pini, that CBA one is good!

    Jackson has gates, if the gate is open you are not going against local advise.

    But to be sure, check avi danger every day.
     
  13. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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    After a long email exchange i can confirm we are still on with AAMI with the current PDS:

    "Off-piste skiing is a covered activity under our AAMI Travel Insurance product as it's not listed as an excluded activity in the AAMI Travel Insurance PDS. This means cover would apply providing all other terms, limits and conditions are met."

    Probably not fare for me to post the email exchange as it got to a quit senior person but happy to share on private message if anyone is interested. They even offered me a discount and thanked me for uncovering a "knowledge gap".
     
    numberonetreaty, LaNeige, Any and 6 others like this.
  14. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Fantastic.
    Keen to see if that’s ok.
    If it gets to one of @Any , @Ozgirl or me, I’m sure it’ll be shared between the 3 of us :thumbs:
    Maybe with your “in” to the upper management you can educate them.
     
    Any likes this.
  15. chicski

    chicski A Local Ski Pass: Gold

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    Would love the email please, I leave in a week with AAMI cover.
     
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  16. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Yep send it to me too please.
     
  17. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    I am a bit scared that the 'knowledge gap" will be closed and now they will update the PDS.
     
    Any likes this.
  18. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Update,

    Just tried to purchase again. no go. changed email no go.

    Currently on hold...

    Question - is my knee now a pre existing condition? I don't think so under their info tab...
     
  19. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Update...

    Paid for AAMI insurance over the phone. Her first question was "do you have a pre-exisitng injury. and i said 'i don't think so going of your help section" so i told her about my knee and she said "did you have a replacement or construction" I said no.

    She couldn't process from the Quote online, had to start a brand new one. She is not even sure why i couldn't do it online.

    I did not asked about backcountry. However she did tell me i needed to read the pds. I think i might have snorted... LOL

    Anyway of the the thread of rage thread... for part 2 of this story.
     
    nezumi likes this.
  20. bullet

    bullet One of Us

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    Hi Pini, could you please pm me a copy.
    Thanks
     
  21. hipo

    hipo One of Us Ski Pass: Gold

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  22. Any

    Any One of Us Ski Pass: Silver

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    im on aami this year also. probably be a good idea to have a copy.

    this sounds likely.
    i hope they dont, and keep covering it and realize that the risk of payout is so low that its a profitable product for them.
     
  23. Any

    Any One of Us Ski Pass: Silver

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    if they're considering restricting it, i wonder if we're able to get any influence to management in what they add;

    "off piste snow sports outside resort boundaries (slackcountry) and in the backcountry requires shovel, beacon, probe and helmet, and must not be undertaken against local advice and/or common sense."

    this would instantly remove 99% of the people going out gates already, so instant risk reduction, and im sure nobody who deserves to be out there would disagree with it either.

    perhaps even add "backcountry snow sports should be with a professional guide or someone with avalanche training (l4 ski instructor or ast or equivalent)" for further narrowness.
     
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  24. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Or you know.... Look at Ozgirls claim and see that it was small fry compared to other claims. And gasp she was backcountry!
     
    Any likes this.
  25. Shrike

    Shrike Addicted

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    Hey have myself,partner and friend travelling on Aami coming the 24th so keen for a copy if you are willing to share :)

    If my friend injures themselves will update with story
     
    Ozgirl likes this.
  26. Undies

    Undies Pizza! Ski Pass: Gold

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    I popped my knee in Japan 2 years ago while off-piste. AAMI paid for all Japan medical bills and a business class flight home.

    :thumbs:
     
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  27. Eros C

    Eros C Hard Yards

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    Hi, good work that’s great news. If you don’t mind could I also have a copy for my file. Cheers
     
  28. Any

    Any One of Us Ski Pass: Silver

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    LaNeige likes this.
  29. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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    thanks @Any this has been super helpful.

    Oh and i got a definition of "extreme skiing" from Cover More:

    "Extreme skiing is performed on long, steep (typically from 45 to 60+ degrees, or grades of 100 to 170 percent) slopes in mountainous terrain."

    :emoji_call_me::emoji_call_me::emoji_call_me::emoji_snowflake::emoji_aerial_tramway:
     
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  30. Shrike

    Shrike Addicted

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    Hey couldn't find it with a quick look anyone remember what the app was that someone mentioned earlier in this thread around gps location to allow for them to rescue you
     
  31. skifree

    skifree A disciple of the blessed avi giraffe Moderator Ski Pass: Gold

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    For Japan cocoheli?
     
  32. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Emergency +
    It’s a big Red Cross icon
     
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  33. Melskius

    Melskius One of Us

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    I'd be interested to read this. Thanks.
     
  34. LaNeige

    LaNeige One of Us Ski Pass: Silver

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    Just emailed AAMI about their travel insurance and received the following response.

    Happy to confirm off-piste & on-piste skiing is covered under the AAMI Travel Insurance product as it's not listed as an excluded activity in the AAMI Travel Insurance PDS. This means cover would apply providing all other terms, limits and conditions are met.
     
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  35. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Boom!
    Finally some sense (from AAMI).

    But given the recent discussion what made you feel it was even necessary to email them?
     
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  36. Any

    Any One of Us Ski Pass: Silver

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    word for word copy paste of the updated details.
    the terms limits and conditions phrase scares me a little, but its not like they could ever say anything without including that anyway.
     
  37. LaNeige

    LaNeige One of Us Ski Pass: Silver

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    I couldn't find anything on the PDS about skiing let alone off-piste, and only a brief mention about skiing in an FAQ,. So, I thought it would be better to get confirmation from the source rather than getting info from Pini (he's already done enough and why not get AAMI to do their job).
     
  38. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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    Funny, that sounds very similar to the language i used to call them out!
     
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  39. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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    I think the only exclusions to be mindful of are:

    loss or theft of or damage to property, or death, illness, or injury, if you fail to take reasonable care and precautions;

    professional sport (including training for professional sport), hunting, racing of any kind (other than on foot), football of any kind, flying except as a passenger in a scheduled commercial power-driven aircraft, any other aerial activity, rodeo riding, running with the bulls, sailing, mountain or rock climbing using ropes or guides, abseiling, diving using breathing apparatus (if you do not hold an open water diving licence), or competitive snow and ice sports;
     
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  40. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    So where we stand right now....

    *AAMI PDS has not changed in relation to skiing and snowboarding.

    *AAMI call centre staff were either uneducated or misled to be advising customers that backcountry activities would not be covered. As it would’ve been misrepresentation to exclude an activity that was not specifically identified.

    *Due care and caution has always been a thing in insurances which is why they can deny a slip and fall claim if you’re drunk. Check the Avi reports, gear up, go with friends who know what they’re doing, take in adequate knowledge (either your own or a guide) and you’re able to prove due care and caution.

    *PiniPowPow got through to the right person and used the right language (ombudsman) to get to the truth, and be told the “knowledge gap” (or deliberate misinformation as a more skeptical human might see it) was going to be addressed.

    *LaNeige has contacted them since and found that indeed the “knowledge gap” has been addressed and the correct information has been given.

    Any chance we can all stop contacting AAMI now and just keep an eye on the PDS in case they change it?
     
  41. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    written so much more eloquently than i would have!
     
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  42. FatBob

    FatBob Hard Yards

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    Just looking at the AAMI insurance. Do you need to select 'Snow sports' or is it just included in the standard travel insurance? I cannot see anywhere to select it.

    It seems way to cheep? $168 for 10 days?

    Thanks
     
  43. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    its standard.
     
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  44. Froff Life

    Froff Life A Local Ski Pass: Gold

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    For the love of god, can we put a hard stop on emailing AAMI now please?!
     
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  45. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    LOL
    The abridged version

    love your work
     
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  46. Smallman

    Smallman First Runs

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    Hi All

    This thread really helped me decide on travel Insurance. I wanted off Piste no guide and Heli. I went with Com Bank which is backed by Cover-More. Any's spreadsheet was gold - it is on page 6.

    I got the Essentials Pack and SNOW SPORTS +

    I rang to confirm the two items above would cover off piste and Heli. Can't take too many chances

    Combank Travel Insurance

    I leave in 4 hours, Switzerland, France, Austria, Canada and USA. All on snow - be back in 63 days. :)
     
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  47. Olgreg

    Olgreg One of Us Ski Pass: Silver

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    Many thanks for your research. Have a great trip @Smallman
     
  48. PizzaWhenFrenchFry

    PizzaWhenFrenchFry Early Days

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    Hey Pini, Could I also grab a copy of that email or what was included in it? Thanks a tonne!
     
  49. numberonetreaty

    numberonetreaty Early Days

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    Hey PiniPowPow. I'm looking at my travel insurance options at the moment for a trip to Noz and Hakuba. AAMI is looking like a very favourable choice for ski insurance and am thinking about purchasing it. Could I please grab a copy of that email chain too?
     
  50. PiniPowPow

    PiniPowPow One of Us Ski Pass: Silver

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    Sorry i am in Jackson now and dont have great access, maybe someone else can send it?
     
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