Ski Specific Travel Insurance

LMB

Old but definitely not Crusty!
Moderator
Ski Pass
May 6, 2010
35,021
37,790
1,063
Perth
Just be wary that Ouch is changing their snow insurance soon - No idea when they wouldnt give me a time frame, but if you get in before the change they honour the contract that is in use when you signed up
It's already an extra box to tick for snow sport cover, so an extra charge. My quote includes the extra cost.
 

Chondro

One of Us
Jul 8, 2013
2,597
1,395
363
Victoria
Hi Leigh,


At this stage the policy still includes off piste, unguided, back country. But very shortly the policy wording/PDS will be amended to exclude these. If you have purchased the product before the amendment then you will be covered as before.


Kind Regards

Iris Hately

Phone: 1800 641 260 / 03 9757 8181

this was from Ouch before we booked our insurance
 

Marty McSly

A brick propping up the furniture
Ski Pass
Jul 12, 2011
11,766
1
16,980
863
Hunter Valley Whine Country, NSW
Just looking at my insurance now. The one thing that seems a bit light on in the AAMI cover is rental car excess, at $2000. I don't have definite plans to hire a car in Canada. I don't expect to need one at Sun Peaks but it is possible that I might get one for up to a week to visit a couple of other resorts.

Some other policies cover up to $4000.

Has anyone used InsureandGo?
 

silva

One of Us
Feb 1, 2006
708
795
263
NSW
Insure and go = no cover in Snow fun parks
I rang them "So if I am snowboarding down the run with jumps on the side of it and crash or get crashed into am I covered?'
"No - if the run contains a snow fun park or terrain park of any kind you are not covered to ride that run"
 

Marty McSly

A brick propping up the furniture
Ski Pass
Jul 12, 2011
11,766
1
16,980
863
Hunter Valley Whine Country, NSW
Insure and go = no cover in Snow fun parks
I rang them "So if I am snowboarding down the run with jumps on the side of it and crash or get crashed into am I covered?'
"No - if the run contains a snow fun park or terrain park of any kind you are not covered to ride that run"
Weird.

Does that apply to any runs in SP, SS or BW?
 

gareth_oau

Pool Room
Ski Pass
Dec 27, 2008
52,795
24,065
1,563
57
Canning Vale, Perth
Just looking at my insurance now. The one thing that seems a bit light on in the AAMI cover is rental car excess, at $2000. I don't have definite plans to hire a car in Canada. I don't expect to need one at Sun Peaks but it is possible that I might get one for up to a week to visit a couple of other resorts.

Some other policies cover up to $4000.

Has anyone used InsureandGo?

did you buy any insurance?

we use https://www.1cover.com.au/ski-travel-insurance/

covers you for $5k rental excess
 

Beerman

One of Us
Ski Pass
Jan 15, 2015
3,662
4,477
363
Brisvegas
I checked out Choice Magazine's top insurance recommendation for travel insurance with a score of 83/100, Good 2 Go. Here is there response when asked about skiing and off piste cover.


Although there’s no specific benefit on this policy on what type of skiing is covered:
1. The policy will respond to cover skiing within marked and patrolled areas at a ski resort area (on-piste skiing)
2. The policy will not respond to cover off piste and back country skiing because this can be hazardous due to avalanche, exhaustion, weather, cliffs, rock fall, and tree wells, unless accompanied by a professional guide at all times whilst engaging in this activity.
 

Telezacski

A Local
Ski Pass
Mar 19, 2010
6,435
12,609
563
I to am searching for travel insurance and found the following interesting points:

- as many above have noted the grey area on snow ski polices appears to be on "on piste" only, I checked icover and they said the run had to be groomed to be covered on the basic policy.

- Equipment was also a bug bear as AAMI for instance only cover $1000 of sports equipment on a single policy, this doesn't even cover my boots let alone skis, binds and specific ski clothes that will all travel in one bag.
 

gareth_oau

Pool Room
Ski Pass
Dec 27, 2008
52,795
24,065
1,563
57
Canning Vale, Perth
I to am searching for travel insurance and found the following interesting points:

- as many above have noted the grey area on snow ski polices appears to be on "on piste" only, I checked icover and they said the run had to be groomed to be covered on the basic policy.

- Equipment was also a bug bear as AAMI for instance only cover $1000 of sports equipment on a single policy, this doesn't even cover my boots let alone skis, binds and specific ski clothes that will all travel in one bag.

Have a look at your hiuse insurance contents cover
 

Chondro

One of Us
Jul 8, 2013
2,597
1,395
363
Victoria
Just had a friend look at ouch insurance.

Noticed they have changed now and as per (https://travel.qbe.com/qbe/QBETravel?getDoc=true&documentid=44553) document on their website

This Supplementary Product Disclosure Statement is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 on 15 April 2016. It supplements the Product Disclosure Statement listed below for policies issued after that date. It must be read together with any other applicable SPDSs.

Product Name Date of PDS 11 April 2012 OUCH Travel Insurance Combined Product Disclosure Statement and Policy Wording – QM1485 The PDS is unchanged except as indicated below:

Section Change The Snow sports definition is replaced with:

Definitions Snow sports means skiing, snow boarding and ski biking on: groomed terrain, ski slopes or open trails within ski resort boundaries that are: maintained; and monitored; and patrolled by the ski resort.

A General Exclusion is added General Exclusions 10(n) participates in off piste or back country snow sport activities All other terms, conditions and limitations under the various sections of the policy still apply

Now , what worries me is that @LMB and others who have emailed and received replies to say that they are still covered, even in august this year.
If you look at the above tho the date they have on their site is the 15th of april.

i received this from them on the 22/06/2016
Hi Leigh,


All still covered, no changes have been made to the policy as yet and the back country, off piste, and heli-skiing are all still covered. I have attached the Product Disclosure Statement / Policy Wording for your reference.


Safe Travels!


Kind Regards

Iris Hately

Phone: 1800 641 260 / 03 9757 8181

I've just emailed them to get back to me in writing that i am still covered for all off piste / back country in the event something happens. Will respond with the follow up
 
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Chondro

One of Us
Jul 8, 2013
2,597
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363
Victoria
Since ouch is now out of the question regarding off piste / back country.
Who seems best to cover these ? Noworries / AAMI ? I'm waiting on emails back from these to see if they cover unguided off piste / back country ? Is anyone else aware at all ?
 

CIRCA1962

Addicted
May 4, 2010
135
104
113
ACT
Since ouch is now out of the question regarding off piste / back country.
Who seems best to cover these ? Noworries / AAMI ? I'm waiting on emails back from these to see if they cover unguided off piste / back country ? Is anyone else aware at all ?
I rang them to day and was informed that they did not exclude off-piste skiing. However, it is probably a very grey area as the AAMI policy specifically excludes injury if you fail to take reasonable care and precautions. There was a British case a couple of years ago involving two boarders, that tragically died in an avalanche on an off-piste area within a resort, where a claim was refused as the resort had an avalanche risk of 3 that day ( on a scale of 1 to 5)
 
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Chondro

One of Us
Jul 8, 2013
2,597
1,395
363
Victoria
Follow up on ouch RE:- no only covering groomed piste runs now.

HI Leigh,


Thank you for your enquiry. If you purchased your policy and more importantly your snow cover before the SPDS came into effect – which was the date of 19/9/2016, then you would be covered for Back country, off piste. The SPDS has the April date as that was when the first discussions began to remove covers for back country, but it took a while to get through legal.


Kind Regards

Iris Hately

Phone: 1800 641 260 / 03 9757 8181
 
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currawong

Old but not so Crusty
Ski Pass
Sep 17, 2003
41,297
32,438
1,563
Kiewa Valley
There is a similar thread that is stickied in Passport. This one is in Snow Talk and is not stickied.

Is there any reason we should not ask a mod to move this to Passport and sticky it? Since this has more up to date info, to me it makes sense that it should be just as easy to find. (I directed someone to the old thread to help them plan a trip, not knowing that this thread existed)
 

retsej

Hard Yards
Jul 3, 2011
72
6
58
Perth
I feel like I should have organised this sooner (say, before 19/9...) and am now faced with looking for insurance that covers unguided BC, and possibly mechanised guiding in Japan. Any suggestions ?

Ouch obviously are out
Last year I emailed AAMI they specifically didn't cover it (anyone had any success this year?)
Insure4less will cover but comes out at just under a grand! (Ironic name eh)
TID, World Nomads require you to be guided outside of the resort
IHI Bupa don't make any specific mention of Snow cover, will email and request more information as I want it in writing

Perhaps at this point the smartest move (need to re-read some PDS's) is both a cheap plan through TID for the day to day stuff (~$160), and a membership to the AAC at $90
 

retsej

Hard Yards
Jul 3, 2011
72
6
58
Perth
Sorry what don't aami cover??

They seem to cover most thing.

I send a generic email to the providers that asks if they cover:
  • Snowboarding, on-piste (inside resort boundaries);
  • Snowboarding, off-piste (inside resort boundaries);
  • Back country snowboarding (outside resort boundaries), with a guide;
  • Back country snowboarding (outside resort boundaries), without a guide;
  • Snow Cat tour (outside resort boundaries), guided;
  • Search and rescue cost associated with the above activities.
This is from last season so YMMV but the reply I from AAMI was:
We do cover off piste skiing, however we do not cover skiing outside the boarders, aerial skiing or competitive snow sports.
I quite liked the typo myself.

I emailed the Qantas insurance (QBE) with the above conditions
Subject to the policy's terms and conditions, there is provision to cover for all the listed snow sport activities provided that an additional cover has been purchased by paying an additional premium
QF came out to ~$400 for 26 days once you added the $150 premium.

NoWorries don't specifically say "No BC" in their PDS but I haven't emailed them. It looks like our credit card insurance will be sufficient for "day to day" holiday stuff ($49 to option snow cover on top of the standard free insurance) and I will sign up to the AAC for the few days we are on the other side of the ropes.

I'd recommend fully reading the PDS to what you are purchasing, I found some that defined a piste as "a groomed, marked run", which would preclude coverage for injuries on black runs / moguls / in the gladed areas etc.
 

Ozgirl

Part of the Furniture
Ski Pass
Jul 5, 2007
15,577
17,997
813
Sydney/Jindy
AAMI replied to me saying that cover applied regardless of resort boundaries gor the entire trip.
Exclusions were if you were skiing professionally competitively or to earn an income

Yep, this

I have read aami 's pds and it doesn't exclude backcountry
 

BoofHead

One of Us
Ski Pass
Ski Pass
Aug 8, 2007
3,427
8,926
363
Brisbane
Follow up on ouch RE:- no only covering groomed piste runs now.

Thanks for new thread LMB as this stuff is constantly changing and thanks for Ouch info Chondro.
I've been using Ouch for last couple years and was spewing when you passed on the info as my daughter is a late comer to our next trip and I realised that she wasn't insured/on the policy. This had me scrambling for my policy, found it and remembered that I had gone with AAMI for some reason.
All sorted.
You still up for a Kiroro catch-up and slide out the gates?
 

BoofHead

One of Us
Ski Pass
Ski Pass
Aug 8, 2007
3,427
8,926
363
Brisbane
AAMI replied to me saying that cover applied regardless of resort boundaries gor the entire trip.
Exclusions were if you were skiing professionally competitively or to earn an income

Just spoke to AAMI on the phone to amend travel details. "Sandra" confirmed that they cover BC as long as we arn't professional and getting payed for it. I said I wish but no, just punters.
 

Olgreg

One of Us
Ski Pass
May 21, 2011
1,794
2,971
363
Dolans Bay
With some of the unplanned adventures I've had in side and back country, the insurers should pay me not to go there at all ;)
 

Chondro

One of Us
Jul 8, 2013
2,597
1,395
363
Victoria
Just spoke to AAMI on the phone to amend travel details. "Sandra" confirmed that they cover BC as long as we arn't professional and getting payed for it. I said I wish but no, just punters.
Sure am mate. Hit me up with your details. Kiroro seems to be fairing better than Niseko atm
 
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kirktab

Hard Yards
Oct 11, 2011
77
44
68
Just spoke to AAMI on the phone to amend travel details. "Sandra" confirmed that they cover BC as long as we arn't professional and getting payed for it. I said I wish but no, just punters.
...even better, this was in writing from AAMI (email) just last week:
ME: "I hope to spend quite a bit of time skiing out of resort/ski area boundaries - commonly called 'back country' and 'side country' skiing. This will involve skiing with a professional guide at times, and skiing without a guide at other times. Can you please confirm that as long as I am skiing for non-competitive recreation only AND will not be either heli-skiing or cat-skiing AND am obeying all signage, instructions, rules, regulations & laws related to area closures and designated 'no-go' zones, I will be fully covered when skiing off-piste in areas that are outside ski resort/ski area boundaries?

This is a notoriously tricky part of other insurers' travel policy products, and I get (understandably) nervous with PDS documents which don't address 'out of resort' skiing."

REPLY: "You are covered off-piste in areas outside the resort/ski area boundaries as long as you are allowed to be there and not trespassing on property that you do not have permission to be on. You will still need to abide by all rules, regulations, signage and restrictions and not heli-skiing or cat-skiing. This applies to both natural snow and man made snow.
Any of your snow equipment is also covered for up to $1000 for a single person or up to $2000 for a multi person policy.
All snow sport is covered as part of your travel policy and you do not have to add anything additional. Just keep it to recreational skiing only (no competition) and you will be fine."
All that for $203 for 2 skiers for 3 weeks. I think I should have taken a 20-year policy with AAMI, because at some time they're bound to start throttling this cover back a few notches. Another Schumacher, or a few high-profile avy incidents will bring out the red ink.
 

Incider

One of Us
May 20, 2011
1,119
412
263
Just took out cover with Insure4less.
This years premium was $459 for 13 day trip with 11 days off piste snow snowsports cover.
2016 trip was $299 for 16 day overall trip with 10 days off piste snowsports cover.

That's pretty much a 50% cost increase since last year.
 

piolet

Better make it three
Ski Pass
May 27, 2004
38,584
50,857
1,163
in the cupboard covered in dust
I am again booking AAMI trav insurance for out trip to France. $220 for 5 weeks, ski cover included and this covers off piste/backcountry/touring/guided or unguided... attached email clarification below.

------
Hi

I am looking at purchasing a policy (the attached quote) for a ski trip to France where will be skiing off-piste (backcountry) and ski touring in alpine, glaciated terrain, mostly with a guide but maybe without depending on conditions. Can you confirm your policy doesn't have limitations on these activities?
Also please confirm helicopter rescue coverage should one be called.

Kind Regards,

Piolet

------

Response:



Thank you for your enquiry.

The policy does cover for snow sports, as long as you are not doing them professionally, competitively, or to earn an income. The equipment is also covered if it is lost, stolen or damaged. For a single person policy, sporting equipment is covered up to $1,000. For a multi-person policy, the cover is up to $2,000.


Coverage is provided for Off-Piste/Backcountry skiing provided you're legally allowed to be there and you abide by all laws, signs, restrictions and it is for recreational purposes only.


If you find yourself stuck in a sticky situation we do provide cover for evacuation and also search and rescue costs.


If we can be of any further assistance please do not hesitate to contact us.



Have a great day, hope you have a lovely time in France!




Kind Regards,






....
 

Gimped

One of Us
Ski Pass
Jul 25, 2011
1,150
774
363
I just checked on the "free" travel insurance which comes with NAB platinum visa card.
Underwritten by QBE
I gave them a ring and checked on ski-specific restrictions.
Only significant restriction seems to be that you are not taking part in sports activities as a professional.

Seems good value...
 

Froff Life

A Local
Ski Pass
Apr 2, 2014
8,278
5,241
563
Melbourne
I just checked on the "free" travel insurance which comes with NAB platinum visa card.
Underwritten by QBE
I gave them a ring and checked on ski-specific restrictions.
Only significant restriction seems to be that you are not taking part in sports activities as a professional.

Seems good value...
So nothing in the restrictions about 'off piste' or 'back country' ?
 

gareth_oau

Pool Room
Ski Pass
Dec 27, 2008
52,795
24,065
1,563
57
Canning Vale, Perth
I just checked on the "free" travel insurance which comes with NAB platinum visa card.
Underwritten by QBE
I gave them a ring and checked on ski-specific restrictions.
Only significant restriction seems to be that you are not taking part in sports activities as a professional.

Seems good value...
Do you need to purchase the trevel on the card to be covered?
 

LMB

Old but definitely not Crusty!
Moderator
Ski Pass
May 6, 2010
35,021
37,790
1,063
Perth
Essentially. At least $500, which isn't much for an overseas trip.
We've bought ours on AMEX Platinum and PB reckons we don't need any further cover...I'm skeptical. Will organise a PDS to look over before we leave. We've also paid for flights for our folks and kids on the same card. Surely they're not covered!...
 

Ozgirl

Part of the Furniture
Ski Pass
Jul 5, 2007
15,577
17,997
813
Sydney/Jindy
We've bought ours on AMEX Platinum and PB reckons we don't need any further cover...I'm skeptical. Will organise a PDS to look over before we leave. We've also paid for flights for our folks and kids on the same card. Surely they're not covered!...


Kids are. (there will be a dependent section. might be an age limit).

YK was covered as long as he was my domestic partner (classified as living in the same home).
 
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LMB

Old but definitely not Crusty!
Moderator
Ski Pass
May 6, 2010
35,021
37,790
1,063
Perth
Kids are. (there will be a dependent section. might be an age limit).

YK was covered as long as he was my domestic partner (classified as living in the same home).
Cool.
I expect only the 3 that still live at home.

I'll have to organise insurance for the olds, don't want any dramas there!!
 

gareth_oau

Pool Room
Ski Pass
Dec 27, 2008
52,795
24,065
1,563
57
Canning Vale, Perth
We've bought ours on AMEX Platinum and PB reckons we don't need any further cover...I'm skeptical. Will organise a PDS to look over before we leave. We've also paid for flights for our folks and kids on the same card. Surely they're not covered!...

Do you still need to complete a proposal form through amex?

I'm presuming there is some way of registering all your necessary details, people covered etc
 

LMB

Old but definitely not Crusty!
Moderator
Ski Pass
May 6, 2010
35,021
37,790
1,063
Perth
medical exclusions are pre-existing conditions.
under age 90
Great. No one is even close to 90.
MIL has a few preexisting conditions but none should pose a problem.
 

Ozgirl

Part of the Furniture
Ski Pass
Jul 5, 2007
15,577
17,997
813
Sydney/Jindy
Do you still need to complete a proposal form through amex?

I'm presuming there is some way of registering all your necessary details, people covered etc


Nope - i did not have to tell them YK was traveling with me. He had to be on the same flights as me though.

So if he lost his ski's for example... we woudl make a claim and have to show travel docs.

Actually LMB that might be an issue with your kids!
 

Ozgirl

Part of the Furniture
Ski Pass
Jul 5, 2007
15,577
17,997
813
Sydney/Jindy
here's the pds

Quick glance

Cover is effective when You pay the full fare for a Trip:
i) on the American Express Platinum Card Account; or
ii) with American Express Membership Rewards points; or
iii) with any other travel rewards or frequent flyer points provided the taxes and/or surcharges have been charged to Your
American Express Platinum Card Account.

American Express Not Accepted Cover is effective if You cannot pay the full fare for a Trip on Your American Express Platinum Card Account because the provider does not accept American Express as a form of payment. You must be able to supply proof of purchase and the name and address of the provider who would not accept your American Express Platinum Card Account.

However I am unsure if other people are covered! Which is poor form!

I know YK and kids are covered with Citi and i know the my mum is covered when travelling with my dad.

I would be calling - the bit i am reading is about a supplementary card holder. they are saying the are note covered.

But you might find getting BP insured separate automatically covers the kids for free?? At least you don't have to pay for you! (actually probably other way round you insured!)

It also might be worht it for oyu guys to get an annual policy as a family... to cover the kids separate trips!
 

Ozgirl

Part of the Furniture
Ski Pass
Jul 5, 2007
15,577
17,997
813
Sydney/Jindy
Actually scrap the above.

just found this

Primary Card Member means: 1. the person who applied for the American Express Platinum Card Account and who is issued an American Express Platinum Card Account as the primary account holder; and
2. their husband, wife, fiance(e), de facto or life partner with whom they have continuously cohabited for a period of six (6) months or more; and
3. their legally dependent children (including stepchildren or legally adopted children) who are twenty-four (24) years of age or less and wholly dependent on them for financial support.



Phew was worried there for a bit (i have an amex issued card that i have used previously!!)
 

LMB

Old but definitely not Crusty!
Moderator
Ski Pass
May 6, 2010
35,021
37,790
1,063
Perth
I'll find out 100% before we fly.

Was just waiting until we had all flights booked (did our flights home last week) so I could give exact dates.

I was going to go with AAMI but call them to get appropriate cover for each of us. But if the CC covers some then might not be so exxy.
 
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