Ski Specific Travel Insurance

skichic

Part of the Furniture
Ski Pass
May 26, 2003
19,839
25,506
813
Tested AAMI this trip. Medical costs refunded quickly. No questions about piste or off piste.

Only complaint is that their number goes to a call centre which manages a number of different insurers, so their knowledge when I called from overseas wasn’t great, queue times around 10 minutes and the claim process a bit painful.
 

Crispy013

One of Us
Jun 6, 2010
2,073
2,911
363
Port Macquarie, NSW
Anyone had experience with claiming for lost luggage?

I am still waiting for Qantas to find my bag...been 2 weeks+ now so I'm convinced its not coming back. Reading the AAMI policy I took out for the trip, they require confirmation from the travel provider that it is in fact lost. Unfortunately Qantas wait 21 days until declared officially lost. Such a PITA having to wait it out. I've worked out about $2.5K value in the bag, so hopefully AAMI's $6K pay out limit isn't a drama.
 
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Any

One of Us
Ski Pass
Aug 23, 2015
1,567
3,282
363
oz/japan/usa
Tested AAMI this trip. Medical costs refunded quickly. No questions about piste or off piste.

Only complaint is that their number goes to a call centre which manages a number of different insurers, so their knowledge when I called from overseas wasn’t great, queue times around 10 minutes and the claim process a bit painful.
any accident & claim specifics I can add to the spreadsheet?
femur spiral fracture from size 4 avalanche, heli lift out and 146 stitches?
Anyone had experience with claiming for lost luggage?

I am still waiting for Qantas to find my bag...been 2 weeks+ now so I'm convinced its not coming back. Reading the AAMI policy I took out for the trip, they require confirmation from the travel provider that it is in fact lost. Unfortunately Qantas wait 21 days until declared officially lost. Such a PITA having to wait it out. I've worked out about $2.5K value in the bag, so hopefully AAMI's $6K pay out limit isn't a drama.
I hope you got the report thingo from the airline when it didnt arrive.
is just a waiting game. its possible that it might still show up, but after 2 weeks it seems quite unlikely.

couple of years ago both my luggage bag and ski bag was lost when I had a delayed flight from Denver to LA.
I seem to remember having to wait to be able to claim it on insurance, but I don't remember there being a specific time frame.

it turned up about 10 days later I think, having gone the long way to Brisbane via Sanfran, Brazil, Singapore, Seoul, Tokyo, and Sydney.
the ski bag and contents had been significantly damaged - someone had used a forklift to lift it, by sticking the spikes straight through the bag. my suitcase sides had been ripped, damaged, beat up and just plain dirty, like it was put in an industrial sized cement mixer for a couple of hours.

Insurance asked lots of questions about flights, itineraries, descriptions and values of items, and an affidavit for what i claimed was missing and damaged.
20+ emails went back and forward. but they weren't any questions i wasn't able to easily answer, just a long winded process. to begin with i thought it was a delay tactic to get me to give up, but I think it was just to filter out false claims, because if i didn't reply within a day or two they'd push and bug me to answer faster.
suddenly a bunch of cash arrives in my bank account, and about a week later i received a letter detailing the claim n stuff.
 
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skichic

Part of the Furniture
Ski Pass
May 26, 2003
19,839
25,506
813
any accident & claim specifics I can add to the spreadsheet?
femur spiral fracture from size 4 avalanche, heli lift out and 146 stitches?

I hope you got the report thingo from the airline when it didnt arrive.
is just a waiting game. its possible that it might still show up, but after 2 weeks it seems quite unlikely.

couple of years ago both my luggage bag and ski bag was lost when I had a delayed flight from Denver to LA.
I seem to remember having to wait to be able to claim it on insurance, but I don't remember there being a specific time frame.

it turned up about 10 days later I think, having gone the long way to Brisbane via Sanfran, Brazil, Singapore, Seoul, Tokyo, and Sydney.
the ski bag and contents had been significantly damaged - someone had used a forklift to lift it, by sticking the spikes straight through the bag. my suitcase sides had been ripped, damaged, beat up and just plain dirty, like it was put in an industrial sized cement mixer for a couple of hours.

Insurance asked lots of questions about flights, itineraries, descriptions and values of items, and an affidavit for what i claimed was missing and damaged.
20+ emails went back and forward. but they weren't any questions i wasn't able to easily answer, just a long winded process. to begin with i thought it was a delay tactic to get me to give up, but I think it was just to filter out false claims, because if i didn't reply within a day or two they'd push and bug me to answer faster.
suddenly a bunch of cash arrives in my bank account, and about a week later i received a letter detailing the claim n stuff.
Nothing that exciting. Dr bill, X-ray bill, chemist bill.
 
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Crispy013

One of Us
Jun 6, 2010
2,073
2,911
363
Port Macquarie, NSW
any accident & claim specifics I can add to the spreadsheet?
femur spiral fracture from size 4 avalanche, heli lift out and 146 stitches?

I hope you got the report thingo from the airline when it didnt arrive.
is just a waiting game. its possible that it might still show up, but after 2 weeks it seems quite unlikely.

couple of years ago both my luggage bag and ski bag was lost when I had a delayed flight from Denver to LA.
I seem to remember having to wait to be able to claim it on insurance, but I don't remember there being a specific time frame.

it turned up about 10 days later I think, having gone the long way to Brisbane via Sanfran, Brazil, Singapore, Seoul, Tokyo, and Sydney.
the ski bag and contents had been significantly damaged - someone had used a forklift to lift it, by sticking the spikes straight through the bag. my suitcase sides had been ripped, damaged, beat up and just plain dirty, like it was put in an industrial sized cement mixer for a couple of hours.

Insurance asked lots of questions about flights, itineraries, descriptions and values of items, and an affidavit for what i claimed was missing and damaged.
20+ emails went back and forward. but they weren't any questions i wasn't able to easily answer, just a long winded process. to begin with i thought it was a delay tactic to get me to give up, but I think it was just to filter out false claims, because if i didn't reply within a day or two they'd push and bug me to answer faster.
suddenly a bunch of cash arrives in my bank account, and about a week later i received a letter detailing the claim n stuff.
Yep. We are at about day 17 now. I handed the bag in Sydney and it didn’t show up in Port Macquarie. Couldn’t have gone too far. Especially since my snowboard bag turned up on the flight. I’m just fearful about how long the claim process might take and evidence they will need to back up the contents claim. Just a PITA having to replace everything.
 
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LMB

Old but definitely not Crusty!
Moderator
Ski Pass
May 6, 2010
36,498
42,242
1,063
Perth
Yep. We are at about day 17 now. I handed the bag in Sydney and it didn’t show up in Port Macquarie. Couldn’t have gone too far. Especially since my snowboard bag turned up on the flight. I’m just fearful about how long the claim process might take and evidence they will need to back up the contents claim. Just a PITA having to replace everything.
It’s disappointing isn’t it.
We had 6 bags vanish for 3 days then all but one showed up. The one with all the valuables in it of course.
 

Crispy013

One of Us
Jun 6, 2010
2,073
2,911
363
Port Macquarie, NSW
Anyone had experience with claiming for lost luggage?

I am still waiting for Qantas to find my bag...been 2 weeks+ now so I'm convinced its not coming back. Reading the AAMI policy I took out for the trip, they require confirmation from the travel provider that it is in fact lost. Unfortunately Qantas wait 21 days until declared officially lost. Such a PITA having to wait it out. I've worked out about $2.5K value in the bag, so hopefully AAMI's $6K pay out limit isn't a drama.
So update. Been in contact with Q at least 5-6 times over the past 3 weeks asking for updates, giving information and photos of the baggage. No luck. Finally today I got fed up and asked if they could send through a lost luggage statement for my insurer. They send me a claim form (which I already have pre-filled) and offer $2400 to settle it. Probably want the case just to go away. It’s kind of a hollow feeling, but good just to resolve it so I can go and replace all the key things in it. Next time I’ll be taking cabin luggage where I can!
 
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Any

One of Us
Ski Pass
Aug 23, 2015
1,567
3,282
363
oz/japan/usa
So update. Been in contact with Q at least 5-6 times over the past 3 weeks asking for updates, giving information and photos of the baggage. No luck. Finally today I got fed up and asked if they could send through a lost luggage statement for my insurer. They send me a claim form (which I already have pre-filled) and offer $2400 to settle it. Probably want the case just to go away. It’s kind of a hollow feeling, but good just to resolve it so I can go and replace all the key things in it. Next time I’ll be taking cabin luggage where I can!
oh! you were dealing with Qantas? screw that. that's what you pay the insurance companies for.
 

Crispy013

One of Us
Jun 6, 2010
2,073
2,911
363
Port Macquarie, NSW
oh! you were dealing with Qantas? screw that. that's what you pay the insurance companies for.
Yeah well, since this is the first time a bag hasn’t showed up I didn’t know any better. Every time I spoke with Q they kept saying, oh that’s unusual, it’ll turn up shortly. We’ll just get the tracing team to chase it up. So I check in every 3-5 days, new person each time and same story. Finally today I said this is BS. The claim settlement was done within 2hrs. No questions asked.
 

Crispy013

One of Us
Jun 6, 2010
2,073
2,911
363
Port Macquarie, NSW
i think you have to fail with QF before you can claim with your travel insurace?
Yeah AAMI terms and conditions say you need a letter from the travel provider before they will assess the claim. Qantas say 21 days before being declared lost. So it was just an annoying waiting game. I can even claim the difference between my initial valuation and what Q is paying out.
 
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Any

One of Us
Ski Pass
Aug 23, 2015
1,567
3,282
363
oz/japan/usa
Yeah AAMI terms and conditions say you need a letter from the travel provider before they will assess the claim. Qantas say 21 days before being declared lost. So it was just an annoying waiting game. I can even claim the difference between my initial valuation and what Q is paying out.
man that sucks.
if it was a lot id probably have kept pushing the claim through AAMI now that Qantas have given up.
theyre just trying to save a few $ by making it too hard.
 

skixracer

Addicted
Sep 19, 2009
292
175
113
@Any thank you for the spreadsheet. It's been super helpful. I just went into it again and it said that it was in your bin and was about to be permanently deleted. Just wanted to make sure that was your intention.
 

Any

One of Us
Ski Pass
Aug 23, 2015
1,567
3,282
363
oz/japan/usa
@Any thank you for the spreadsheet. It's been super helpful. I just went into it again and it said that it was in your bin and was about to be permanently deleted. Just wanted to make sure that was your intention.
ah. seems i forgot to update this thread. thanks for the reminder.

___________________________
Because there seems to be a minute chance that I might get back to Japan this winter, I thought I'd have a quick look at travel insurance stuff.
As expected, a straight up NO from every Australian resource I investigated. But there are several international insurers offering insurance coverage, and are up front about how they have chosen to cover Covid19 related costs.

FYI I had to change the url of the cheat sheet spreadsheet when I changed my google drive account username (I ran out of space and realized I was using the wrong google account when I had almost unlimited space on a paid google account)
its at docs.google.com/spreadsheets/d/1NudOumVVmYE2oeJ7j2P1rwxcMs4t7An82bHtbC6A7ks/edit#gid=0 now
or just click the image:
 

andy22222

First Runs
Feb 25, 2021
1
3
3
Just wanted to say that the information about the Austrian Alpine Club (AAC) is slightly incorrect in the Google Doc.

The "basic" insurance AWS included with the AAC membership is valid for any member, regardless of place of residence. This is specifically mentioned in the insurance document on page 13. It is indeed a great policy that covers getting you off the mountain in pretty much any situation.

The premium single trip cover option is the one with the European residency requirement. This one is for those who need additional protection/more extreme trips that the basic insurance does not cover. The website makes it a bit confusing, but it you review it carefully, you'll see the European residency is only for the premium option. It also states on the website: "This insurance policy is separate from the Alpenverein Weltweit Service (AWS) policy"

So as long as you're going on a trip that does not go over the basic insurance trip exclusion, you're covered.
 

Any

One of Us
Ski Pass
Aug 23, 2015
1,567
3,282
363
oz/japan/usa
Just wanted to say that the information about the Austrian Alpine Club (AAC) is slightly incorrect in the Google Doc.

The "basic" insurance AWS included with the AAC membership is valid for any member, regardless of place of residence. This is specifically mentioned in the insurance document on page 13. It is indeed a great policy that covers getting you off the mountain in pretty much any situation.

The premium single trip cover option is the one with the European residency requirement. This one is for those who need additional protection/more extreme trips that the basic insurance does not cover. The website makes it a bit confusing, but it you review it carefully, you'll see the European residency is only for the premium option. It also states on the website: "This insurance policy is separate from the Alpenverein Weltweit Service (AWS) policy"

So as long as you're going on a trip that does not go over the basic insurance trip exclusion, you're covered.
cool ill have to re-investigate.
i emailed them a while back for clarification, and they straight up said eu only. but perhaps there was some confusion as to which insurance package.
 
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Untele-whippet

beard stroker
Ski Pass
Jul 13, 2006
19,739
43,194
813
60
Burnt Downs, Blue Mtns, 1100M.
Anyone got any suggestions for insurance for a guided backcountry skii trip in Mt Cook NP NZ this September, heli into a hut for 6 days, then fly out again after 6 days. We’ll be skiing in glaciated / crevassed areas.
A lot of insurance companies seem to have stopped offering travel insurance because of Covid.
TIA
 
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Sandy

Dark Sith Lord of the Pool Room
Moderator
Ski Pass
Jan 1, 1998
71,390
32,445
1,515
Yokohama, Japan, Melb. Expat.
Anyone got any suggestions for insurance for a guided backcountry skii trip in Mt Cook NP NZ this September, heli into a hut for 6 days, then fly out again after 6 days. We’ll be skiing in glaciated / crevassed areas.
A lot of insurance companies seem to have stopped offering travel insurance because of Covid.
TIA
sevencorners.com have COVID insurance. I have 1 year including US, $100k COVID cover, plus the usual. About $1000 AUD.
 

Any

One of Us
Ski Pass
Aug 23, 2015
1,567
3,282
363
oz/japan/usa
sevencorners.com have COVID insurance. I have 1 year including US, $100k COVID cover, plus the usual. About $1000 AUD.
Anyone got any suggestions for insurance for a guided backcountry skii trip in Mt Cook NP NZ this September, heli into a hut for 6 days, then fly out again after 6 days. We’ll be skiing in glaciated / crevassed areas.
A lot of insurance companies seem to have stopped offering travel insurance because of Covid.
TIA
ive updated the document for seven corners. (docs.google.com/spreadsheets/d/1NudOumVVmYE2oeJ7j2P1rwxcMs4t7An82bHtbC6A7ks/)
none of their plans appear to cover any form of off piste skiing, backcountry, or heli skiing. even if you purchase the hazardous activities addon. this is to be expected, its Lloyds reseller after all.

i haven't updated anything else in ages, but even way back then some of them were already covering covid.
but i'd suggest re-examining them for yourself.
 

Ozgirl

Part of the Furniture
Jul 5, 2007
15,808
18,312
813
Sydney/Jindy
A lot of insurance companies seem to have stopped offering travel insurance because of Covid.
TIA
Have they stopped covering any travel insurance? Or just issues relating to covid?

You should be okay re cancellations due to covid. Anything else you should be covered for, just not anything Covid related
 
Last edited:

LaNeige

One of Us
Ski Pass
Aug 20, 2010
1,183
2,897
363
Vic
Anyone got any suggestions for insurance for a guided backcountry skii trip in Mt Cook NP NZ this September, heli into a hut for 6 days, then fly out again after 6 days. We’ll be skiing in glaciated / crevassed areas.
A lot of insurance companies seem to have stopped offering travel insurance because of Covid.
TIA

Whoa, forget the insurance and tell us about the trip! Sounds awesome.
 

gmanpadre

Hard Yards
Jul 26, 2015
65
75
68

With Bupa Global not offering an Annual Travel Insurance policy anymore I was on the hunt for a replacement, with coverage for travel anywhere in the world that covers off-piste, backcountry, heli and cat snowboarding and these guys look the goods.

The quoted premium for Worldwide excluding Canada & USA that still covers you in those countries for up to 42 days per 180 days was 54.60 euros/month, definitely the best price I could find for that level of coverage with Bupa Global not being an option.

Have attached the PDS let us know if you find any problems, I was pretty chuffed to find something with this level of coverage and for the price it looks pretty good, I've sent them an email asking them to confirm the snow sports activities are covered and I'll pass the reply on when it comes.

What is this type of insurance?​

Genki World Explorer is an excellent health insurance for frequent travelers like digital nomads, backpackers and alike. It provides cover for up to two years in a monthly subscription that can be cancelled anytime.

Where am I covered?​

  • Option: Worldwide
    You are covered in every country on the planet.
    Cover in your home country is limited to 42 days per 180 consecutive days. Cover in other countries remains intact even if you exceed that limit.
  • Option: Worldwide excluding Canada & USA
    Like Worldwide but cover in Canada and the USA is limited to 42 days per 180 consecutive days. That reduces the cost of your health insurance noticeably. Healthcare is quite expensive there, unfortunately.

What is not insured?​

  • Pre-existing conditions
    Medical conditions for which you’ve received treatment or have seeked medical advice within six months before your insurance starts.
  • Dangerous activities
    Motorcycle and car racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering (if specialized equipment is required), free climbing, and diving.
  • Alcohol & drugs
    Accidents and illnesses caused by the use of alcohol, drugs, or similar substances.
 

Attachments

  • Genki World Explorer - Consumer Conditions.pdf
    201.7 KB · Views: 7

gmanpadre

Hard Yards
Jul 26, 2015
65
75
68

With Bupa Global not offering an Annual Travel Insurance policy anymore I was on the hunt for a replacement, with coverage for travel anywhere in the world that covers off-piste, backcountry, heli and cat snowboarding and these guys look the goods.

The quoted premium for Worldwide excluding Canada & USA that still covers you in those countries for up to 42 days per 180 days was 54.60 euros/month, definitely the best price I could find for that level of coverage with Bupa Global not being an option.

Have attached the PDS let us know if you find any problems, I was pretty chuffed to find something with this level of coverage and for the price it looks pretty good, I've sent them an email asking them to confirm the snow sports activities are covered and I'll pass the reply on when it comes.

What is this type of insurance?​

Genki World Explorer is an excellent health insurance for frequent travelers like digital nomads, backpackers and alike. It provides cover for up to two years in a monthly subscription that can be cancelled anytime.

Where am I covered?​

  • Option: Worldwide
    You are covered in every country on the planet.
    Cover in your home country is limited to 42 days per 180 consecutive days. Cover in other countries remains intact even if you exceed that limit.
  • Option: Worldwide excluding Canada & USA
    Like Worldwide but cover in Canada and the USA is limited to 42 days per 180 consecutive days. That reduces the cost of your health insurance noticeably. Healthcare is quite expensive there, unfortunately.

What is not insured?​

  • Pre-existing conditions
    Medical conditions for which you’ve received treatment or have seeked medical advice within six months before your insurance starts.
  • Dangerous activities
    Motorcycle and car racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering (if specialized equipment is required), free climbing, and diving.
  • Alcohol & drugs
    Accidents and illnesses caused by the use of alcohol, drugs, or similar substances.
 

gmanpadre

Hard Yards
Jul 26, 2015
65
75
68
Off-piste, Backcountry, Heli and Cat all covered

Hello,

all the skiing and snowboarding variants that you've mentioned are covered.

Please let me know if you have further questions.

Stay healthy out there,

Marc Knaup
Co-founder
Genki
Health is a top priority wherever you travel.
genki.world • genki.guide • marc@genki.team
Genki UG (haftungsbeschränkt)
Dorothee-Sölle-Platz 2, 50672 Cologne, Germany
Managing directors are Marc Knaup and Mehrdad Piroozram.
Registration number HRB 106969 in the District Court Cologne.
Registration number D-QAMW-L7NVQ-57 in the Broker Register
 

gmanpadre

Hard Yards
Jul 26, 2015
65
75
68

Could only find this regarding feedback, not many reviews online due to them being new to the scene looks like
 

Any

One of Us
Ski Pass
Aug 23, 2015
1,567
3,282
363
oz/japan/usa

With Bupa Global not offering an Annual Travel Insurance policy anymore I was on the hunt for a replacement, with coverage for travel anywhere in the world that covers off-piste, backcountry, heli and cat snowboarding and these guys look the goods.

The quoted premium for Worldwide excluding Canada & USA that still covers you in those countries for up to 42 days per 180 days was 54.60 euros/month, definitely the best price I could find for that level of coverage with Bupa Global not being an option.

Have attached the PDS let us know if you find any problems, I was pretty chuffed to find something with this level of coverage and for the price it looks pretty good, I've sent them an email asking them to confirm the snow sports activities are covered and I'll pass the reply on when it comes.

What is this type of insurance?​

Genki World Explorer is an excellent health insurance for frequent travelers like digital nomads, backpackers and alike. It provides cover for up to two years in a monthly subscription that can be cancelled anytime.

Where am I covered?​

  • Option: Worldwide
    You are covered in every country on the planet.
    Cover in your home country is limited to 42 days per 180 consecutive days. Cover in other countries remains intact even if you exceed that limit.
  • Option: Worldwide excluding Canada & USA
    Like Worldwide but cover in Canada and the USA is limited to 42 days per 180 consecutive days. That reduces the cost of your health insurance noticeably. Healthcare is quite expensive there, unfortunately.

What is not insured?​

  • Pre-existing conditions
    Medical conditions for which you’ve received treatment or have seeked medical advice within six months before your insurance starts.
  • Dangerous activities
    Motorcycle and car racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering (if specialized equipment is required), free climbing, and diving.
  • Alcohol & drugs
    Accidents and illnesses caused by the use of alcohol, drugs, or similar substances.
Looks interesting.
I've seen many medical cover options in Europe, but not many that cover the rest of the world.

However I think it isn't very useful to most of the people on this forum:
Excludes accidents and illnesses caused by the use of alcohol ....
:p

I'm not sure, but I don't see any exceptions for professional and competitive activities either. Important to note that it doesn't include any liability n stuff tho.

I've added it to the google document.
 

gmanpadre

Hard Yards
Jul 26, 2015
65
75
68
Looks interesting.
I've seen many medical cover options in Europe, but not many that cover the rest of the world.

However I think it isn't very useful to most of the people on this forum:

:p

I'm not sure, but I don't see any exceptions for professional and competitive activities either. Important to note that it doesn't include any liability n stuff tho.

I've added it to the google document.
Yeah no cover for liability is an issue for sure, liability along with medical treatment and repatriation costs are the ones that can send you broke and what I'm looking to protect against.
 

gmanpadre

Hard Yards
Jul 26, 2015
65
75
68



DR-WALTER that Genki are affliated with offer a traditional travel insurance product, same exclusions it looks like so all skiing activities are covered and for 115 euros a month, not bad at all!
 

Attachments

  • PROTRIP-WORLD_Verbraucherinformationen_en.pdf
    475.9 KB · Views: 5
  • PROTRIP-WORLD_IPID_en.pdf
    232.5 KB · Views: 5
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