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Frequently Asked Questions

  • Why should I always get Ski travel insurance?
  • Winter ski trips are challenging, exciting and eye-opening adventures. However they do pose the risk of unexpected events like ski accident, getting sick, losing your passport, or being stuck in an airport for days due to a snow storms. That's why Ski Insurance is essential.


  • How can I buy Ski Insurance travel insurance?
  • You can purchase our policies online at any time or get a quote and save it for when you're ready to purchase. If you have any questions about our cover, you can email our friendly customer service team at [email protected]


  • What Do I Do If I Lose My Policy Documentation
  • If you lose your policy documentation just email [email protected] from the email address used to purchase your policy and we'll be able to find your certificate of insurance and send a copy to you.


  • When should I take out travel insurance?
  • Well that is completely up to you. You can purchase up to 12 months before you travel or 5 seconds before you get on the plane. What you need to consider it that you are covered for cancellation as soon as you purchase the policy. This means that should you become ill or injured before you travel, you are covered for your cancellation costs.


  • How do I know I am covered?
  • As soon as your payment for the insurance is made, we will send you a Certificate of Insurance and Policy Documents by email. You will also receive a text message containing our 24 Hour Emergency Assistance phone number.


  • How long does it take to apply for travel insurance?
  • Ski Insurance has a fast, easy online quote process. You are able to get a quote and pay for your insurance within minutes. If you’d rather speak to a consultant email our team and we can arrange a call back at a time convenient to you.


  • Can I buy insurance without a credit card?
  • Of course, we understand everyone has different preferred methods of payment method. If you wish to pay us by bank transfer, just let us know in an email and we'll provide you with our bank account details.


  • Do I need to be related to my travel companion to get a duo policy?
  • No, you can be colleagues, friend, fellow athletes or strangers. We don’t mind.


  • What is a dependant?
  • Your children or grandchildren not in full-time employment who are under the age of 18 and travelling with you on the Journey.


  • What is a Pre-existing Medical Condition? 
  • A pre-existing medical condition is:

    • Any medical, physical or mental condition, defect, disease or illness, of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days prior to the relevant time; or

    • Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; or

    • Any chronic or ongoing (whether chronic or otherwise) medical or dental condition or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the relevant time; or

    • Any condition for which you have undergone surgery in the past 12 months; or
    • Pregnancy ; or
    • Any of the above conditions which are the subject of an investigation, even if the condition has not been diagnosed.

    This above definition applies to you, your travelling companion, and a relative or any other person.


  • What Pre-existing conditions are automatically covered?
  • This section outlines the Pre-existing Medical Conditions which are covered. You have cover if your Pre-existing Medical Condition is listed below, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months.

    1. Acne
    2. Allergies, limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever
    3. Asthma – providing that you have no other lung disease and are less than 60 years of age at the date of issue of the certificate of insurance.
    4. Bell’s palsy
    5. Benign positional vertigo
    6. Bunions
    7. Carpal tunnel syndrome
    8. Cataracts
    9. Coeliac disease (gluten intolerance)
    10. Congenital blindness
    11. Congenital deafness
    12. Dry eye syndrome
    13. Diabetes mellitus (Type I & Type II) – providing you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications, do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and are under 50 years of age at the date of policy issue 
    14. Epilepsy – providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication
    15. Folate deficiency
    16. Gastric reflux (heartburn, indigestion)
    17. Goitre
    18. Glaucoma (increased ocular pressure)
    19. Graves’ disease (underactive thyroid)
    20. Hiatus hernia
    21. Hypercholesterolaemia (high cholesterol) and Hyperlipidaemia (high blood lipids)  – provided you do not also suffer from a known cardiovascular disease
    22. Hypothyroidism (underactive thyroid), including Hashimoto’s disease
    23. Hypertension (High Blood Pressure) – provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95
    24. Impaired glucose tolerance (glucose intolerance, pre-diabetes)
    25. Incontinence
    26. Insulin resistance
    27. Nocturnal cramps
    28. Osteopaenia 
    29. Pernicious anaemia
    30. Raynaud’s disease
    31. Sleep apnoea
    32. Trigeminal neuralgia
    33. Trigger finger
    34. Vitamin B12 deficiency


  • What is the cooling off period?
  • If you decide that you do not want this policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and PDS. You will be given a full refund of the premium you paid, provided you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy. After this period you can still cancel your policy but we will not refund any part of your premium if you do.


  • If something happens can I choose my own doctor?
  • You are free to choose your own Medical Adviser or we can appoint an approved Medical Adviser to see you, unless you are treated under a Reciprocal Health Agreement. You must, however, advise us of your admittance to Hospital or your early return to Australia based on medical advice. If you do not get the medical treatment you expect, Ski Insurance can assist you but we are not liable for anything that results from that.


  • What does backcountry mean?
  • “Backcountry” means skiing in a sparsely inhabited rural region over ungroomed and unmarked slopes (ie. marked pistes are not present) where fixed mechanical means of ascent are often not present.