What would be your ultimate worldwide ski experience? It could be country hopping from New Zealand, to the US, up to Canada, across to Japan and the many magnificent alpine ski experiences across Europe. Your ultimate world wide destination can depend a lot on what your passion is – adrenalin pumping downhill, the peace and isolation of Nordic skiing, the breath-sucking challenge of snowboarding. Your ultimate ‘must have’ whatever you do is worldwide insurance to support you and protect your bank balance in case of injury, sickness, travel or climatic mishap.

How Extreme is Too Extreme

That definition is going to vary from person to person, and will often vary between the person and any worldwide insurance company.

Some of the more extreme snow sports that many travel insurers will baulk at include heli-skiing, snow rafting, bobsledding, ski acrobatics, para-penting, mechanised snow-mobiles unless, for example, as authorised transport to and from ski areas.

The best advice is to check first if a particular snow sport is classified too extreme in the policy rather than be rejected on your injury claim later. The Insurance Ombudsman advises one of the biggest causes of disputes over travel insurance claims is due to misunderstandings over pre-existing medical conditions, sports and activities, and the meaning of unattended luggage, so it’s always best to fully understand your policy.

The Unexpected Need Not Blow Your Cash

It’s important your worldwide medical insurance includes ski pack cover should you have an accident or fall ill part way through your snow holiday. Look for a policy that will reimburse you for the unused portion of any irrecoverable expenses – for example, your lift pass, ski school fees or ski hire. Even better, check whether off piste skiing and helicopter rescue are covered.

In addition to injury, bad weather or avalanche conditions can severely affect your plans. If you have worldwide holiday insurance you can still recoup the money paid out for accommodation and any activities you’ve paid for but haven’t taken part in.

Cheap worldwide travel insurance can be for single trip or annual multi-trip to cover multiple worldwide destinations. Ski-Insurance only do snow insurance and have policies put together by snow enthusiasts who know snow and not just insurance.

Any worldwide travel insurance you purchase should provide exceptional cover for emergency medical, rescue, evacuation, hospital and dental, also worldwide insurance for loss of credit cards, documents and traveller’s cheques, disability and loss of income, repatriation, loss or delay of luggage, piste closure and more. It’s a pretty cheap investment really.