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Winter sports travel insurance: Chase that perfect powder without worries

Winter sports fans have an overriding desire to be in the mountains. Whether you love skiing, snowboarding, snowmobiling, snow tubing, or even ice skating, there’s always something magical in the air when snowflakes begin to fall.

If you yearn to travel in pursuit of an unforgettable winter sports experience, you’re not alone. Millions of people take to the roads or fly to a resort every winter, ski pass in hand.

Just as for any kind of trip, it’s important to be well prepared when you’re planning a winter sports trip. These types of outdoor activities carry a certain amount of risk, and nothing can wreak havoc on your travel plans like a winter storm. You should always have a winter sports insurance cover in place for your winter trips to the mountains.

Top winter sports destinations

Switzerland

With a decadently long ski season, storied powder and world-class ski resorts like Zermatt, Verbier, and St. Moritz, every skier and snowboarder needs to visit Switzerland at least once.

Canada

As the home of the 2010 Winter Olympics, British Columbia’s winter sports appeal is widespread. Whistler Blackcomb is a must-visit destination, offering more than 200 runs, plenty of freestyle space and views that have to be seen to be believed.

Japan

Head to Japan, where lofty mountain peaks across the country receive upwards of 600 inches of snow each winter. Hokkaido is the best known destination, boasting world-famous dry powder and more than 100 ski resorts (yes, really).

Argentina

When the ski season ends in the Northern Hemisphere, head south to Argentina. The Patagonia region is home to the highest mountains on Earth, outside of the Himalayas (hello, backcountry!). The season typically runs from June to October, so if you time it right, you’ll get home just in time for winter again.

What does winter sports travel insurance cover?

Winter sports travel insurance policies from battleface provide peace of mind for every trip. With a policy in place, you can leave the worry behind and focus on your favorite winter sports activities. You can even enjoy coverage when you’re backcountry (or off piste) skiing, as long as the area hasn’t been deemed unsafe by resort management.

A few key coverages are included in winter sports travel insurance policies from battleface:

  • Travel medical insurance: in case you’re injured on the slopes or fall ill while you’re traveling and require medical treatment. It’s especially important if you’re traveling abroad, as your everyday private health insurance may not provide coverage for medical expenses or emergency medical treatment
  • Medical evacuation: in case things go really wrong. In the event of a serious medical emergency, our 24/7 assistance can schedule an evacuation for you and your policy can pay for it, up to a policy maximum
  • Baggage loss, theft or delay, including your gear: if your board, boots, skis, or skates are lost, stolen or damaged during travel, your coverage can reimburse the cost to replace your belongings, or in the event of a delay, even pay for the rental of substitute equipment until your items are delivered by the airline
  • Trip cancellation, trip interruption, and trip delay: if severe weather or other covered events cause your trip to be canceled, interrupted or delayed, you can be reimbursed for the money you spent on the trip, up to a pre-set amount, as well as additional costs to return home early, or expenses associated with a delay

What is not covered by winter sports travel insurance?

Certain extreme winter sports are excluded from coverage.

Also, while your policy covers damage to your equipment, you won’t be able to file a claim for normal wear and tear.

Protect your trip with
battleface travel insurance

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.