In a mountain ski holiday where excitement meets natural beauty, safety issues become an integral part of holiday planning. Insurance here plays a key role in providing financial protection and medical care in case of accidents and emergencies. In this article, we look at the importance of insurance during your ski holiday and discuss the key aspects of choosing a policy.
What risks and dangers await you during your ski holiday?
Holidays in the mountains with family or friends bring joy and unforgettable memories. Unfortunately, rarely does anyone think about the potential risks and dangers that may await on the ski slopes. For example:
- Colliding with another skier on the slope and falling on your own
- Avalanche or falling into crevasses that are not visible under the snow during freeride
- Damage to equipment (both your own and someone else’s)
- Equipment theft
- Car accident
Proper insurance is no less important than the correct ski or snowboard equipment, so that nothing interferes with a complete and carefree holiday.
Recommended insurance for ski holidays
There is a huge variety of insurance coverages available, including separate coverage options for action cameras and equipment. There are ready-made packages for travelers that include all the necessary functions and are calculated for the dates of your trip, as well as independent insurance policies that will be valid for a whole year both at home in Germany and while traveling. We have put together three main blocks for you that will come in handy during your ski holiday, so that you can check for important options when choosing a policy.
Unfallversicherung
Even for experienced skiers and snowboarders, risk on the slopes remains a constant companion. According to statistics, every year about 50 skiers and snowboarders* suffer injuries for which they seek medical attention. It only takes one adverse movement or momentary loss of control to face the possibility of a serious accident on the slope.
Accident insurance is not only relevant during holidays, so we recommend that you consider this insurance as more than just a temporary option for your travel dates. We reviewed this type of insurance in more detail. on this page. However, there are nuances that you need to pay attention to when making a conclusion if you love alpine skiing and snowboarding:
- Extreme Sports Coverage. Typically, skiing is a separate option in the policy, like motorcycling and other extreme sports. Don't forget to include this item.
- Validity of the policy abroad (particularly in those countries where you like to spend your ski holidays).
- Rescue and evacuation coverage amount (Bergungskosten). An accident during freeride, as a result of which you may need a search party, a helicopter, specialized medical care and equipment, is estimated at 10 thousand euros. We recommend choosing a coverage amount from 15.000 euros.
Unfallversicherung, meeting the requirements of ski holidays
We found one of the best offers on the market that meets all the requirements of a ski holiday from Die Haftpflichtkasse. Even the most modest tariff Simply good covers up to 100.000 euros expenses for rescue, search and evacuation.
If the Unfallversicherung If you need it only for your vacation period, we recommend ready-made travel insurance packages with everything you need for your relaxing and comfortable vacation, designed only for vacation days. More details on this page.
Travel insurance including Unfallversicherung
However, often off-the-shelf packages do not cover rescue costs to meet the requirements of freeriders. We found a ready-made offer created specifically for holidays in ski resorts with rescue coverage up to 20.000 euros (rate DSV Classic Plus)
Health Insurance
Travel medical insurance becomes an integral element of taking care of your own health abroad. Even in countries with which Germany has a social security agreement (EU), medical treatment costs are only covered up to the standard rate in Germany. In countries without such agreements, any treatment costs, including emergency cases, must be paid independently. It should also be noted that government health insurance does not cover return transport to Germany. Therefore, having travel medical insurance becomes key to ensure complete and reliable protection in case of problems during your trip.
Many blocks can be included in travel insurance:
- Medical insurance
Travel Health Insurance - Accident
Trip-Unfallversicherung
- Trip cancellation
Travel cancellation insurance - Responsibility
before third parties
Reise-Haftpflichtversicherung - Baggage
Reise-Gepäckversicherung
Find travel health insurance
Privathaftpflichtversicherung
Liability Insurance occupies one of the leading positions among additional types of insurance in Germany. This type of insurance provides protection against the possible financial consequences of damage caused by you or your children to third parties through negligence - be it a co-worker, a landlord, a bystander or a rider on a slope.
All the rates that we have selected for you are valid worldwide, so you don’t have to worry about accidentally damaging someone else’s equipment during your vacation.
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