The Question of the Month: From Tim H.

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 How Does Travel Insurance Handle US travel for a Ski Trip And in Particular the Medical Coverage?

A: There are two parts to this answer.  First, the policy itself would function no differently then if the client was traveling internationally.  The coverage is secondary, which means we are still going to cover whatever portion is not covered through their primary insurance provider.  There is a greater possibility that their personal insurance will cover most, if not all, of the medical expense domestically compared to internationally.

Secondly, with specific respect to ski trips there are exclusions in the policy for certain types of extreme and off trail skiing.  These exclusions are detailed in the Description of Coverage.  If your client plans to do one of these types of activities they can purchase the Sports Coverage option for $25 per person and the exclusions will be waived.  The Sports Coverage option also covers pre paid, non-refundable ski passes, ski or equipment rentals, or greens fees.  In addition this option will reimburse for equipment rentals if the client’s own equipment is delayed or misdirected by the Common Carrier.

Do you have a question about policy coverage or how to handle a specific situation?  This is your opportunity to ask the travel insurance experts at Travel Insured.  Email your question to icymrot@travelinsured.com with “Question of the Month” in the subject line.

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