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Ski Specific Travel Insurance

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

  1. Gimped

    Gimped One of Us Ski Pass: Silver

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    Sorry, I missed your reply earlier.

    No, no restrictions...I actually rang and talked to them, and I have had a quick look at the "fine print" and there is nothing mentioned.
     
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  2. gareth_oau

    gareth_oau Pool Room Ski Pass: Gold

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    We pay about $280 per head for a month's holiday to Canadia so will need to investigate amex insurance further as it saves a nice few dollars if everthing is well covered
     
  3. Slowman

    Slowman One of Us Ski Pass: Gold

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    By coincidence I was looking at my Amex annual travel insurance policy today, which is done through a major US based underwriter called Chubb. It has a specific exclusion for all off piste skiing. I ended up getting a trip duration policy through AAMI which as others have mentioned does not exclude off piste skiing. AAMI do not appear to sell annual policies.

    As it happens I had to make a claim earlier this year on my Amex policy for some medical expenses I incurred in Canada whilst on a resort based trip. The insure was very professional and processed the claim very promptly. But for the off piste exclusion I would have been happy to renew with them.
     
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  4. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Thank you for sharing this info.
     
  5. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Pretty sure citi don't cover skiing but @hipo called and paid a small amount to upgrade.
     
  6. Scott No Mates Ver 1.1

    Scott No Mates Ver 1.1 Addicted

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    Biggest exclusion (Rort) is that there is no coverage for any medical incurred in Aust even if you have purchased a policy specifically in Aust as they expect you to use Medicare and or your health fund (same if you purchase a policy for overseas, all medical once you return to Aust is excluded).

    The insurer will point you to the exclusions in the overseas section of the disclosure statement even if you haven't purchased for overseas. :mad:

    Mind you, there was no hesitation paying all of the other non-medical costs of getting back to Sydney, followcup visit parking, tolls etc.
     
  7. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Random question.

    Our car is being repaired under a warranty issue.

    We are heading to Perisher this weekend so we demanded an alternative car which they have given us, however there is a $3k excess

    Any ideas if travel insurance would cover this?
     
  8. Any

    Any One of Us Ski Pass: Silver

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    i struggle to find insurance also.

    previously ive been able to use my NAB platinum travel insurance backed by QBE,. it was really good coverage (better than normal QBE). They were really good with claims and even chased me up in getting it in, whereas i expected them to delay it as much as possible.
    unfortunately im now classified as having a preexisting medical condition, which means go away basically.

    gave AAMI a look, i hadn't looked at their products before but it seems pretty good at first glance, although my quote came out at $800 vs LMB's $150
    they limit to 180 days, most only cover 90 days so thats a plus, and don't mention anything about snow cover in pds (which I believe is to mean that you can assume it is). unfortunately they dont cover much in the way of pre existing conditions, its so limited i wouldn't be surprised if a runny nose is enough for an exception, so no help for me.

    just thought that i'd mention noworries insurance. they do cover long trips, snow sports (an extra fee) including heli it seems, and cover osteoporosis for broken people like me. my quote came out at $1000 for my upcoming 190 day ski trip.
     
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  9. kimberlee81

    kimberlee81 One of Us Ski Pass: Silver

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  10. Any

    Any One of Us Ski Pass: Silver

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    these guys are pretty good pds and costs. have used them several times also also, never made a claim tho.
    just a note tho, they added this extra condition a couple of years ago. "backcountry snow skiing and snowboarding, including heli-skiing and cat skiing, only when on a guided tour with a licensed tour operator;", so if you were to step outside the gates at a ski resort for a bit of off piste, you're not covered.
     
  11. skichanger

    skichanger A Local Ski Pass: Gold

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    So off piste within the resort is ok?
     
  12. Any

    Any One of Us Ski Pass: Silver

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    afaik, yup.
    because you took a lift up, its also part of the duty of care of the ski resort to look after visitors in their inbounds terrain. i guess this helps the insurance companies risk.
    this duty of care is also why they make such a big deal about you going out the gates instead of ducking a rope. you're effectively signing a release when you go through.
     
  13. skichanger

    skichanger A Local Ski Pass: Gold

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    Worth knowing because 60% of Madarao runs are ungroomed and by some definitions are thus "off piste". With some insurance this may be an issue because they explicitly exclude "off piste". But these runs are within the resort, designated runs, patrolled, only way down from some lifts etc, so clearly part of the area you are meant to access within the resort.
     
    Any likes this.
  14. Nozawaman

    Nozawaman A Local

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    Just get your mates to drag you back onto a run .
     
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  15. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    LOL
    So easily said.
     
  16. gmanpadre

    gmanpadre Hard Yards Ski Pass: Gold

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    https://www.bupaglobal.com/en/travel-insurance
    MANY HOLIDAY ACTIVITIES AND
    EXTREME SPORTS COVERED



    Our standard policies cover most lifestyle/sporting activities, including scuba diving, snorkelling, yachting, sailing, jet skiing, rafting, surfing, trekking, bungee jumping, winter sports, rugby and more. For those who are not interested in extreme sports, we cover cruises too.

    We don’t cover training or participation in motorsport shows, races and competitions, base jumping, paragliding, hang-gliding, or rock-climbing / mountaineering that requires climbing equipment. We also don’t cover expeditions, mountaineering or trekking in Antarctica, the North Pole or Greenland.
     
    #116 gmanpadre, Jul 30, 2017
    Last edited: Jul 30, 2017
  17. BilbyBill

    BilbyBill One of Us

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    Just email the insurer and ask for their definition of "Off Piste"
     
  18. Barras

    Barras Addicted

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    I've been taking a look at some cover for back Country skiing in the US, $1,164 through Ouch for 20 days two people, a few companies mention "Off Piste" but in the resort boundaries, some insurance companies specifically exclude Back Country skiing in the US and Canada, I usually just use the Citibank CC insurance (which does cover skiing), but if we are going to do any back country skiing in the US i think i'd rather have a policy that states it covers it.
     
  19. Any

    Any One of Us Ski Pass: Silver

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    generally everything is covered unless specifically excluded.
    so usually when I'm looking at insurance product disclosure statements I'm specifically looking for the things they exclude. they slip stuff in everywhere tho, so you pretty much end up reading the whole thing to get a good idea.

    for example, Citibank CC insurance uses Allianz insurance, which have a "‘dangerous activities" exceptions clause, and you'll notice that the definition of dangerous activities includes off-piste skiing. ie, you're not covered at all.

    fyi, im 90% sure that as of 2016, Ouch (aka QBE) dont cover off piste either.
     
    #119 Any, Sep 1, 2017
    Last edited: Sep 1, 2017
  20. Gimped

    Gimped One of Us Ski Pass: Silver

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    NAB card insurance, which is underwritten by QBE does not have a restriction for off-piste, unless it has changed in the last 3 months.
     
  21. Any

    Any One of Us Ski Pass: Silver

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    I didn't check, but yeah I'm pretty sure it does allow off piste in bounds.
    QBE have slightly different policies for different customers all over the place.
    I haven't read that one in over a year, but for NAB card insurance the big kicker was that backcountry skiing required you to be with a certified professional guide, otherwise you're not covered at all. Which is pretty shit too imo
     
  22. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    So...just revisiting this...

    Off-piste backcountry - yep we will be doing a lot of this, and without a guide more and more.

    We've started doing some 'mountaineering' - climbing gear required...

    The better half is looking at an Antarctic trip...

    I think we better start a 'get out of the shit' fund of our own, as no one covers this stuff!
     
  23. Any

    Any One of Us Ski Pass: Silver

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    let me know if you find anything, im struggling to find any options for even non-heli ski stuff.
     
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  24. Any

    Any One of Us Ski Pass: Silver

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    thought I found one that included off piste and heli ski and everything,but noticed this funny exclusion:
    Your claim arises from travel in any air-supported device, other than as a passenger in a fully licensed aircraft operated by an airline or charter company. This exclusion does not apply to regulated or licensed ballooning.
    have you considered heli ballooning?
     
  25. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Surely a heli with a heliski company is a 'charter company'...

    What a ridonkulous industry is the insurance industry..
     
  26. Any

    Any One of Us Ski Pass: Silver

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    a charter sounds like a heli taxi or sightseeing tour, not really a heli ski trip
    surely the heli ski company has some ideas of people you can use?
     
  27. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    ..to be perfectly honest, we went with the booking credit card included insurance in NZ.
    I knew we were doing 1 heli day, but anticipated it to be an easy day (which it mostly was)..
    I didn't know we were doing the extra heli day and the 2 mountaineering days until pretty much the day before. If Id known I would've been looking at insurance options.

    But really..I'm starting to think we would be better sticking the insurance premiums into a bank account to cover contingencies over and above the credit card inclusions, as all of these insurers are covering less and less. We could rustle up the big dollars to evac - it'd hurt, but it could be done. And we have life insurance if in the worst case scenario.

    What about serious climbing - like Everest for example?
    Those guys must be doing it without any insurance! :eek:
     
  28. Any

    Any One of Us Ski Pass: Silver

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    ive seen one company offer mountaineering insurance for below 4000 meters, with an optional extra for above 4000m. it was about $500 more than normal insurance so not super bad really.
    but they didnt cover heli ski nor off piste tho.
     
  29. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Heck of a lot that are well over 4000.
    Even Kili is almost 5900.
    Any indication of how much that optional extra for over 4000 was?
    You'd expect to pay a higher premium for a higher risk, just glad to know that you can get insurance at all!
     
  30. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Insure4less are covering backcountry/offpiste and actually state that you're covered even without a guide. But you mustn't be breaking any rules/laws or alone.
    https://www.insure4less.com.au/page/policies/skiing-snowboarding-travel-insurance/

    Have some level of cover for mountaineering also..


    Lol!
    Under $2k for both of us for the 4.5 months but add offpiste snow cover and suddenly you add in excess of $8k. Almost 10k for the trip.
     
  31. Any

    Any One of Us Ski Pass: Silver

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    I found another good one,
    1cover.com.au's pds says that they cover off piste, so long as you don't enter the backcountry.
    They never define backcountry tho. The dictionary defines it as "sparsely inhabited rural areas", which could mean anywhere really, including a ski resort area.
    So I emailed them and asked, and they confirmed that it means they don't cover off piste at all, even in bounds.

    Oops, i had found insure4less a while ago, but I excluded it because they specifically exclude USA and Canada, which I frequently visit. I didn't think to pass it onto you guys here tho. Doh.
    I hope youre not paying to heli ski japan, especially at niseko, its a huge ripoff imo.
     
  32. smackies

    smackies A Local Ski Pass: Gold

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    At the risk of rehashing a post of mine from a while ago, why not look at two policies.

    I.e. AAC(UK) for climbing/mountaineering/search and rescue/backcountry travel etc and then another general travel insurance policy (personal liability, lost luggage, delays etc). Ideally get as much medical and off-piste coverage on the second policy as well.

    One policy rarely does all, if ever.

    I can't see there being much proper mountaineering happening in niseko. Your biggest issue is search and rescue. You can get dirt cheap search and rescue in japan through Patagonia but you need to speak Japanese to navigate the website.
     
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  33. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Oh sweet Jesus no!

    Just would like to be covered in case of mishap for Chisenupuri, Iwanopuri, Yotei etc. Earned turns, not bought turns :thumbs:

    I'm just researching as much as I can about all the ins and outs of different types of cover for all the things we have lined up.

    Good advice @smackies, I did think it'd come down to that. I expect our CC will cover the basics, for most trips, just buying rescue/repatriation/medical for the adventure bits will be the way to go. But TBH the things that are likely to go wrong probably won't be covered due to preexisting conditions anyway LOL

    I'm not really looking at the mountaineering for this coming Japan trip. We are going back to do a much longer training course in NZ next winter, then tackle Kili.
     
  34. smackies

    smackies A Local Ski Pass: Gold

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    I'd be surprised if you can't easily find insurance to walk up kilimanjaro. Old people do it and they have dicky everythings combined with the wisdom of knowing you need insurance.
     
    LMB likes this.
  35. Nozawaman

    Nozawaman A Local

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    OK so everyone has an opinion of crap insurers ...... but it's not answering any questions of who they actually use .
    I used AAMI last year for a 6month policy that covered surfing in Indo , Japan , and hell skiing in Alaska $1053 .
     
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  36. BoofHead

    BoofHead One of Us Ski Pass: Silver

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    AAMI is my current go to. Has anybody actually had to make a bc related claim through them?
    Apologies if this has been answered further back.
     
  37. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Same.
    And no.
     
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  38. Any

    Any One of Us Ski Pass: Silver

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    I see none of the usual wording or loopholes to get out of bc coverage, in fact the lack of exceptions suggests that they include some things many dont (eg heli and snowmobiling for example).
    I've heard of several cases where people end up in kutchan hospital and were unable to leave because insurance wont cover it, and they cant pay the fees. Unfortunately I dont think i ever knew who they were insured with tho.
     
  39. bingeely

    bingeely Hard Yards

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    I've used TID with snow cover extra (though no claim yet X fingers), PDS says off piste and within resort and terrain park boundaries is covered.
     
  40. Chillybin

    Chillybin Addicted

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    I'd be too scared to use them based on the above statement. Leaving many resorts into the backcountry is often breaking many rules depending on where you are. Again if the daily report is unfavourable in say the alpine and you traverse across a ridge line and trigger a slide. I'm more inclined to back AAMI as there policy doesn't mention much of anything to do with Snowsports or skiing bar you're not covered for professional activity.

    It's just the sceptic in me that thinks insureforless will try anything to get out of a claim whereas AAMI have no leg to stand on. Albeit illegal activity is reasonable grounds for any insurers not to pay. I think I'm going with AAMI as I have guided and unguided tours happening in February. Previously Ouch and Fast Cover where the go but policy changes have really hurt. My only real gripe is the contents cover. I'm well aware you can increase etc etc. but if my ski bag went south most policies wouldn't even scratch the surface. That's my second biggest worry after backcountry rescue.
     
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  41. Chillybin

    Chillybin Addicted

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    TID declined my claim after my rental car was broken into in broad daylight in Auckland. Nothing visible etc etc. there reasoning. "No security guard was watching the vehicle" if you read the policy it does actually mention it also. Terrible terrible company. Anyway long story short. I obviously challenged the decision. After around 6 weeks I received a letter stating they stand behind the decision and this was final. They also included a cheque that covered things not stolen and clearly marked as not stolen on the claim...... the cheque did not bounce either. They're a bunch of idiots and clearly depending on who's looking after the claim and what day it is could very well determine the outcome. Not again for me.
     
  42. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Good point @Chillybin
    I've really only been thinking about back country rescue, hospital fees, evac in the worst case scenario. It's far more likely my bag/s would go missing on a flight and the contents therein are becoming increasingly exxy and hard to replace the more backcountry and sideline activities to boarding come into play.
     
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  43. chicski

    chicski A Local Ski Pass: Gold

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    TID only pays depreciated value on goods too. A set of gear a few years old may be deemed without value. I'm going with AAMI though it's going to cost us.
     
  44. Any

    Any One of Us Ski Pass: Silver

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    they paid for the stuff that didn't get stolen? lol

    while no versions of QBE cover backcountry stuff anymore, I thought I might include that QBE were **really** good with my claim for lost & damaged baggage last year.

    i claimed about $2000 for damaged baggage and contents, delayed flight costs (meals n stuff), and even the cost of a toothbrush.
    i was pretty slow at getting all the details together, and several times they actually chased me up, reminding me to get onto it. they even called me one time.
    once i had all the details they paid up within only about 3-4 days, the full amount, no deprecation/etc.

    i was flying from denver to la to tokyo to seoul to brisbane, but my denver flight was delayed so I was stuck inside LA airport, without a ticket. I got kicked out by homeland security and was supposedly flagged from returning again. a very stressful unexpected 8 hour layover.
    but because of the delayed flights, my bags got confused and flew from denver to la to brazil instead!! they sat there for a week, then eventually flew via sanfran to singapore to hongkong to brisbane.
    they arrived with a hole right through it and a few things inside it. presumably a forklift stabbed it.
     
  45. nfip

    nfip Cold n' Rusty Ski Pass: Gold

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    Yep.
    Recommended from my experience.
    Complete support , daily medical phone calls checking on me.
    MRI , x-rays, physio , knee brace....
    Flew me home biz class.
    All paid up no dramas.
    About to head off again so see if they let me sign up for a second trip.
     
  46. Froff Life

    Froff Life A Local Ski Pass: Gold

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    Business class?!
     
  47. nfip

    nfip Cold n' Rusty Ski Pass: Gold

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    Yep.
    Korean air from Sapporo, via Seoul.
    Personal transfer to the airport...
     
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  48. nfip

    nfip Cold n' Rusty Ski Pass: Gold

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    I did self rescue after blowing an ACL btw.
     
    #148 nfip, Sep 25, 2017
    Last edited: Sep 26, 2017
  49. smackies

    smackies A Local Ski Pass: Gold

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    Another good experience with QBE here.

    In 2013 I had a pretty awful accident. I didn't bother waiting for QBE to accept my claim before booking myself on a flight home. QBE had to translate all the documents from Japanese before they could accept/deny claim. I was home within 36 hours. When I landed I got the email from QBE to say claim was accepted. Reimbursed all medical, transport and business class flight straight away.

    Sadly, they don't cover backcountry.
     
  50. Chillybin

    Chillybin Addicted

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    They'll let you sign up no worries I bet! It's what happens after that though..... AAMI where excellent with a home and contents claim years ago though for me and after they looked after you it would be hard to go elsewhere I bet.
     
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