Are you planning a ski trip with your friends or loved ones? If so, there are a number of things you’ll need to do in order to prepare, such as budgeting, packing, and planning activities. You’ll also need to prepare for emergencies. It’s easy to get so caught up in the excitement and forget to take the time to consider how to prepare if things go wrong.

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Travel insurance is designed to protect travelers in the event the worst were to happen. At Insured Nomads, we have comprehensive plans that can protect you individually, or cover your entire family. We can even cover your next work trip so you and your colleagues can hit the slopes with confidence. Here’s what you need to know about travel insurance as you’re planning your next ski trip.

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The Coverage You Need for Your Ski Trip

Before you head out on your trip, there are a few things you’ll need to do to prepare. Don’t wait until the last minute to apply for travel insurance. You’ll also want to make sure your policy covers everything you and your loved ones might need while you’re away, even if you don’t think you’ll need anything. Here are five things you’ll likely want to be covered under your travel insurance policy for your ski trip.

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1. Medical Emergencies

When you’re traveling, especially to participate in an activity like skiing, it’s a good idea to have medical coverage in case something happens. If your ski trip involves you traveling outside of your state of residence, your health coverage will not pay for your medical costs unless you’re in a life-threatening situation (and only if you’re in the U.S).

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However, you might find yourself in need of medical attention in a situation that is not necessarily life-threatening. Perhaps you’ve eaten something that didn’t agree with you, or one of your children is running a fever. These instances might not turn out to be life-threatening, but they are definitely concerning.

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With travel insurance through Insured Nomads, you’ll be covered for any necessary medical care 24/7. You can head to the local urgent care in the city you’re in, and make sure that the fever isn’t something more serious.

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Not to mention, if you found yourself in need of medical transport, you could also get that covered under your travel insurance policy as well. So, no worries if you don’t have access to a vehicle during your vacation; you can still get the medical attention you need.

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2. Lost or Stolen Personal Items

Another thing you might want to be covered under your policy is stolen or misplaced items. If you opt to purchase travel insurance through Insured Nomads, you’ll have this protection. If you are a victim of theft, you can be reimbursed for your stolen items.

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If the airline loses your luggage, you can be reimbursed for that as well. With travel insurance, misplaced items are fully insured under your policy, so you can have peace of mind knowing that your belongings are as protected as you.

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Without travel insurance, misplaced luggage or stolen items would just need to be written off as a loss. You’d have to hope the airline located your missing bags, or that the local police were able to find the person who stole your items. Even then, there’s no guarantee you’d get the items back.

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The best way to protect yourself while on vacation is to look into travel insurance plans and find the one that best fits the needs of you and your family or friends

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3. Natural Disasters

If you find yourself in the path of some sort of natural disasters like a tornado, hurricane, or flood, you’ll have access to emergency accommodations. As these events are out of your control, your living arrangements, and even emergency evacuation (if needed) will be covered under your travel insurance policy.

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If you were to get injured during a natural disaster, your medical care would be covered as well. If you choose not to purchase coverage, you will have a difficult time navigating an emergency situation in an unfamiliar place. You have to pay for extended living arrangements on your own, and if evacuation was mandated, you’d have to cover any costs associated with that as well.

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Checking what the weather forecast will be during the time of your trip for the city you’re traveling to is a good idea. It’s also a good idea to look into whether the area is prone to natural disasters. California, for example, is known for earthquakes. Its residents often purchase earthquake insurance for their homes.

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If you’re planning to head out to California, or any other potentially risky travel destination, make sure you do your research ahead of time so you’re prepared. Even with all of the research in the world, having travel insurance is the smart choice. Knowing the weather forecast is great, but 24/7 protection is better.

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4. Trip Delays & Trip Interruption

Other layers of protection that you’re able to add to your travel insurance plan are trip delay insurance and trip interruption insurance. Trip delay coverage protects you in the event that your trip is delayed due to circumstances outside of your control. Trip interruption insurance covers you in the event that your trip is cut short due to circumstances outside of your control.

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If you experience a flight delay due to the weather (or another covered event) and must wait for long enough that the delay causes you to end up missing one or more planned experiences on your trip, or cuts into your prepaid hotel stay, you can be reimbursed for this. If the delay is long enough that you end up missing your trip altogether, all expenses paid in advance can be reimbursed.

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If your trip is cut short because of a natural disaster, reason relating to the pandemic, or emergency medical situation, you can receive a refund for everything that you paid for prior to beginning the trip and were unable to fully utilize. Delays and interruptions are often out of your control, so we provide coverage for those unexpected moments.

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5. Trip Cancellation Insurance

Need to cancel your trip before it even begins? If you have a medical emergency or your trip is canceled because it is unsafe to travel for any reason, you can be reimbursed for any airfare, accommodations, or local activities that were planned and paid for in advance.

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Trip cancellation insurance is good coverage to have since you never know how your plans might be affected, especially in light of the global pandemic. If you find yourself needing to cancel your trip (or it is canceled for you) for circumstances outside of your control, don’t worry; we’ve got you covered.

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Is Ski Travel Insurance Really Necessary?

If you want maximum protection for yourself and your loved ones, travel insurance for your ski trip is the way to go. This coverage is even more beneficial if you are traveling outside of the country you live in since you won’t have access to the same resources you otherwise might have.

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For example, if your ski trip destination is outside of the U.S., your U.S health coverage is not valid, not even for emergencies like it is within the states. You’ll need to make sure you have the right protection when traveling in a new country.

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Here are some reasons travel insurance is very necessary:

• Medical care outside of the states. If you travel outside of the U.S. and have a medical emergency while you’re there, you’ll be able to access emergency care 24/7. This is fully covered under your travel insurance policy. Don’t wait until you need medical attention to worry about it, make sure you have the coverage you need before you actually need it. 

• You can be evacuated for your safety. If your safety is compromised in any way while on your trip, emergency evacuation is covered. You and your family can be safely removed from the country altogether, and be sent back home in the event of a natural disaster or another country-wide emergency. 

• Multilingual support. Our support team is multilingual and prepared to assist you in any situation you might need us in. If you need a translator or some other type of support, we’re here to support you anytime you need it from wherever you are in the world.

• You have a pre-existing condition. If you have a pre-existing medical condition (or someone else in your party does), and regular medical care is expected, you will benefit immensely from travel insurance. You won’t need to worry about stacking up medical bills on your vacation. Instead, you can enjoy your time knowing that you’re covered if your condition starts to become a disruption.

• You are traveling with a large group (10 or more). If you’re traveling in a big group of people, travel insurance is definitely the way to go. The larger your group, the higher your chance of needing emergency coverage. This is especially true if any member of your group is elderly or has a medical condition. 

Travel insurance has a wide variety of benefits for travelers, especially those who are leaving the states. In the right situations, it is a worthwhile investment, and you won’t regret looking into it as you plan your next trip.

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Why Insured Nomads?

Insured Nomads covers travelers for single trips up to 364 days a year, or a bunch of short trips within a year, whether you’re traveling solo, with your friends, family, or coworkers. We offer comprehensive plans that account for everything you could possibly need.

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If you find yourself in need of medical attention, whether it is life-threatening or not, you will be covered. If your trip has to be delayed or canceled at no fault of your own, that can be covered as well. Were you the victim of theft in the city you’re visiting? We’ll make sure you get reimbursed for that. There are endless perks when you decide to work with Insured Nomads.

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Our primary goal is to provide security and peace of mind for travelers as they set out on adventures and have new and exciting experiences. That’s why you’ll notice there’s no shortage of support available to you when your journey is covered by us. We want to make sure you feel like you’re at home, no matter where your destination takes you.

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About Insured Nomads   

Insured Nomads is the first to take an integrated traveltech, fintech and insurtech solution to the world for remote workers, globally distributed teams, expats, and travelers. Their purpose is to make travel as safe and smart as staying at home. They do this by providing health insurance with exceptional medical benefits in tandem with wellbeing, safety, security, and advanced tech-enabled solutions for ease of payment for healthcare, emergency response and evacuation. Insured Nomads is available through affinity relationships, direct, embedded and through select brokers and partners for groups and individuals.

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Sources: 

The World’s Most Earthquake-Prone Cities | WorldAtlas.

Travel Insurance For Skiing And Snowboarding Vacations | Forbes Advisor

Why Travel Medical Insurance Is Essential | Forbes Advisor