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Ski Specific Travel Insurance

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

  1. smackies

    smackies A Local Ski Pass: Gold

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    Half arsed effort for you. Comminuted, displaced wrist. BUPA Global were ace. They’ve also been good with delayed luggage, FYI.

    Will see what I can manage for the greater good this season. Keeping in mind, they won’t search.
     
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  2. Any

    Any One of Us Ski Pass: Silver

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    almost nobody searches.
    many do rescue.
    im not so worried tho, ive got a phone with gps, and a sat phone, and some knowledge of where i am
     
  3. smackies

    smackies A Local Ski Pass: Gold

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    They said to me “if your position is known, we will rescue” so I figured the In-Reach would secure me a pickup...

    But I don’t have that particular friend with me this season so I wonder if a ballpark location will suffice.
     
  4. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    I’m gonna give this app a go over there when I get a chance and see if it works. It’s been great at giving a clear location in Oz.


    It’s Aussie specific but I used it to send the pub location in Yokohama to a friend of a friend so it might be useful in the bc.

     
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  5. ski

    ski Hard Yards

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    I followed up with AAMI via email - I replied to a response they sent me back in 2015 to say all off-piste was covered.
    Anyway this is their official response - interesting bits in red.

    We confirm that we cover on-piste skiing and snowboarding providing you are not skiing or snowboarding competitively.

    This means that any medical related expenses including evacuation, repatriation, search and rescue costs would be covered if you were skiing or snowboarding leisurely on-piste (on a standard groomed run that everyone can use).
    For example, if an avalanche occurred and you required search and rescue services or medical attention, that would be covered under our international travel insurance policy.
    We do not (no longer) provide cover for skiing or snowboarding off-piste (e.g; outside the resort), back country, side country or cat-skiing with a tour operator.


    I then followed up with this question:

    We do not intend to go outside of the resort - but there are some tree runs within the resort - between 2 standard runs for instance - that can be classed as off piste. We would still be in the resort boundaries and the ski patrol would patrol this area - but because it is classed as off-piste does that mean that you will not cover us?


    their response:

    That is correct, we will not cover you if you while skiing or snowboarding if the trail is classified as off-piste.

    I definitely won't be the crash test dummy for AAMI - not worth the risk!
     
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  6. chicski

    chicski A Local Ski Pass: Gold

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    Excellent. Well done :rolleyes:
     
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  7. snowgum

    snowgum One of Us Ski Pass: Gold

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    Dry thorough ski - well done. Not surprising but a tad disappointing.

    But we'e basically dealing with collections of lawyers here!! (;-)
     
  8. Crispy013

    Crispy013 One of Us

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    So when has the change actually happened that they once covered off piste, now don’t? Their PDS is vague AF.
     
  9. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Oh FFS!
     
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  10. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Please don't ask them!!

    We need to stop asking them.

    Maybe when the dust dies down they might forget to change the PDS!
     
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  11. chicski

    chicski A Local Ski Pass: Gold

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    Photo from AAMI PDS. **** me, they look suspiciously off piste and bloody happy about it!

     
  12. Crispy013

    Crispy013 One of Us

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    No, no intention of throwing another one in the mix. I purchased my insurance back in June, but can’t find when they last changed their PDS. It has me concerned when individual people are getting mixed responses about yes you’re covered, or no you’re not because we changed our cover. But nothing clear in the PDS which should be the contract you are taking out when you purchase insurance.
     
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  13. chicski

    chicski A Local Ski Pass: Gold

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    Also from the PDS and a pretty long bow to draw.

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

    chicski A Local Ski Pass: Gold

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    Same and agree.
     
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  15. snowgum

    snowgum One of Us Ski Pass: Gold

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    So lesson learnt. You can fall off a cliff or slam into a lift tower & be covered - as long you're 'on piste'!
    (At least with AAMI - I expect the others too).

    But do an ACL off piste, no matter how tame & you're own ya' own. <SIGH!>
     
  16. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Except AAMi's current pDS covered me for a blown knee heli skiing in NZ.
     
  17. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Actually maybe AAMI has another thought.

    Maybe they are waiting to see the hit to their bottom line (sales) with telling people no?

    So yeah peeps, stop buying the policy. And maybe they won't change it and we get our insurance back!
     
  18. Any

    Any One of Us Ski Pass: Silver

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    hey @Ozgirl, lets call AAMI again, just in case. we can completely ignore everything mentioned literally only 1 page ago, ill call every even hour, and you can call every odd hour. :zzz:
    i was dubious about revisiting the topic last week, but now im quite sure im done with it.
     
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  19. nezumi

    nezumi One of Us Ski Pass: Silver

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    Not so relevant given that this is cover for international travel - but if they really want to go down the route of "standard groomed runs that everyone uses", then that would rule out almost every black run at Mt Buller.

    Seems to me like these insurers need better information to actually base their policies on. >.<
     
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  20. ski

    ski Hard Yards

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    Sorry if you think I did the wrong thing by contacting them - but if I'd taken the risk and gone with them and not been covered in the USA - I could be bankrupt. I shared their official stance to save anyone else the same dilemma.
     
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  21. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    But everyone has shared it (just one page back), and still people call! (Not just on this forum but other forums and fb group)


    Anyway, I am now heading to Japan in Jan.

    Not sure how much skiing I will do, nor if I will go out of bounds, but I will be buying AAMI insurance based on the current PDS.
     
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  22. snowgum

    snowgum One of Us Ski Pass: Gold

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    Look at 1Cover. Don't blow your Chances folks! ;) :skier:
     
  23. ski

    ski Hard Yards

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    I'm not on fb or in any other forums - all I knew was what was in this thread.

    In this thread - one person shared that they were told in a phone call and then another shared that they were told something different in a phone call.

    I got the official stance of the company in written confirmation - and shared that.
     
  24. Gimped

    Gimped One of Us Ski Pass: Silver

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    Re NAB complimentary travel insurance (now through Allianz).
    Just rang them to double check.
    No specific restrictions re skiing, back country, off piste etc
    Just a general note as to skiing within ability etc
    Sounds ok, and it doesn't get any cheaper than $0 !
     
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  25. snowgum

    snowgum One of Us Ski Pass: Gold

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    Cool cheers!
     
  26. chicski

    chicski A Local Ski Pass: Gold

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    Should check my Amex one, could be a good backup. However, I still think AAMI’s PDS covers me.
     
  27. Any

    Any One of Us Ski Pass: Silver

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    i think that Westpac complimentary was the other good one that I saw recently.

    its not that people keep contacting them, i think the damage is already done.
    its that we already know exactly what they will say.
     
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  28. Shrike

    Shrike Addicted

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    Im with AAMI

    Did mine way back before all the above issues

    Need to get my friend some cover as well, AAMI want 180 for 24th Jan to 10th Feb

    We will only be in resort in Hakuba and if we do any tree runs will drag ourselves back to a groomed run if needed.

    The PDS I was provided is the same as the one they updated in November and still only specifies competitive snow sports as being not covered.

    Anyone have a cheaper option for my friend?
     
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  29. Froff Life

    Froff Life A Local Ski Pass: Gold

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    If you're not concerned with no off-piste cover, try Southern Cross Travel Insurance. I just did a proxy booking for your mates dates, added in ski/snowboard cover with the highest excess option ($250) and the quote came to $113.03.

    In the PDS it states:

    "Even if you have skiing and snowboarding cover confirmed on your Certificate of Insurance, there is no cover if you are skiing or snowboarding:
    a) off-piste, outside a designated commercial ski area that is open for use"

    Does that mean you are covered off-piste as long as it's within the ski area ie - slackcountry? @Any
     
  30. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    No you are not in Japan.
    Going out gates in japan is not in a commercial ski area. (which is what we call slack country)

    In japan going under the chair lift is considered out of bounds at some resorts.
     
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  31. nezumi

    nezumi One of Us Ski Pass: Silver

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    I find the terminology of "off piste" vs "marked run" to be problematic at best. My favourite area for snowboarding is the snake runs between trees on the edge of runs at most resorts, far more than the groomers in most instances.

    There is a scale of what is and isn't a "run" in this regard - are commonly used but informal links between runs allowed?
     
  32. Any

    Any One of Us Ski Pass: Silver

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    usually the PDS is required to define terms, but yeah its quite subjective when its still a vague description.
    slackcountry is an unofficial slang for lift accessed backcountry. ive never seen it used anywhere official.

    i had a bit of a laugh at scti's restriction c) where you are not wearing a helmet on your head; I imagined they had to add it after someone made a claim having worn a helmet for their butt.

    yesterday i saw a sign for one of the marked red groomed piste runs that appears on the trial map (alpen), stating that it was an off piste black run because of thin coverage. if the sign wasn't in english how are you to know without translating every sign all day at a ski resort.
     
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  33. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    Ha ha ha
    So the resort is saying mate if you want to ski this, it’s not the easy run marked on the piste map because of crappy coverage. The insurer gets wind of that and a blown ACL claim and boom, liability evaporated.
     
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  34. Froff Life

    Froff Life A Local Ski Pass: Gold

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    Yep it's very subjective. If I were using that SCTI PDS I'd feel comfortable skiing the areas in between runs as long as you're within the resort boundaries and not crossing or ducking any ropes.
     
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  35. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    have you ever had a pass pulled in japan because you were in the wrong spot?

    I personally think in a resort that was big on not skiing under the lift and you got injured there that ski patrol wouldn't hesitant to write it down. They wont get your surname... but man i reckon they would write the accurate location!

    I personally would feel more comfortable skiing out the gates in Niseko than under a chair lift at a small resort!
     
  36. Froff Life

    Froff Life A Local Ski Pass: Gold

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    No I haven't ever had my pass pulled. I don't ski under lift or gondolas and never mentioned any intention of doing so. My point is that a lot of the insurance PDS are vague at best about off piste, SCTI included.
     
  37. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    But if the resort write off piste, ie under lifts or between runs, on their report, then most PDS say you aren't covered.

    In Australia slackcountry that resort would come to have a named run that ski patrol know. so in the location on the report they would write the named run. and unless the insurer knows the area named is OOB they you are probably fine.

    I am saying Japan who are sticklers for the rules would likely write on the report that you were OOB.
     
  38. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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  39. chicski

    chicski A Local Ski Pass: Gold

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    Maybe someone could ring and confirm? :whistle:
     
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  40. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    I reckon I’d be saying “I was skiing on piste and caught an edge and lost control and ended up under the lift/ hitting the tree - not my fault.”
     
  41. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    ROFL

    I think we need it in writing chicski!
    Emails!
    :evil:
     
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  42. Any

    Any One of Us Ski Pass: Silver

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    Backed by AIG, who I also saw covers off piste/etc.

    So its probably ..... good to go.
    [​IMG]

    Maybe only 1 person calls, not 5000 haha.
     
  43. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    So I also looked at ING

    They cover help and off piste with a guide.

    So if you are only going to go off piste with a guide the positive about it is it was $50! For the basic cover.

    So if you have good credit card insurance for everything else bar skiing it might be a good choice.
     
  44. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    True.

    But just making sure people understand the risks.
     
  45. Telemark Phat

    Telemark Phat Pass the butter Ski Pass: Gold

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    They're a bit tricky. In the essentials PDS Off Piste skiing with a gide is included with the snowsports pack. Off Piste Skiing is specifically excluded.
    The PDS for the works doesn't mention skiing at all, but when you go to buy the works it has its little info thing next to skiing and refers you to the tables in the essentials PDS for what is and isn't covered.
     
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  46. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    Yeah LMB just discovered this!
     
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  47. Ozgirl

    Ozgirl Part of the Furniture Ski Pass: Gold

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    I am also re reading the PDS for ANZ CC Premium products and skiing is included but not off piste. If i was going to the US i would be happy with it. but not Japan.
     
  48. Any

    Any One of Us Ski Pass: Silver

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    I had The Who in my head all day today
     
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  49. LMB

    LMB Old but definitely not Crusty! Ski Pass: Gold

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    It’s a bit tricky isn’t it.
    Rude.
    Took me ages to find it!

    So I poured over the AAMI PDS again today and read all the added PDS addendum documents - none mention skiing. I’ve gone with them. I haven’t had to claim yet, and until they actually change their legal documents I’ll keep using them. I’m more likely to injure myself walking around the village anyway.
    #riskaverse
     
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  50. Froff Life

    Froff Life A Local Ski Pass: Gold

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    I mean this in the nicest possible way:

    We really need someone to hurt themselves skiing and claim with AAMI :rolleyes:
     
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