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| Package Holiday Insurance |
- Usually offered at the time of booking.
- The policies vary from tour operator to tour operator, so always check exactly what is covered.
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| Annual Multi-Trip Cover |
- Taking more than one trip this year? Go for annual coverage.
- Most policies include at least 20 days skiing in that year.
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| Minimum Cover |
- If you are on a budget and just want to get basic cover, make sure you go for a policy that provides vital medical and emergency cover.
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| Exclusions |
- You are not covered if you are under the influence of drink or drugs (unless prescribed by a doctor) or if you wilfully expose yourself to exceptional risk (unless you are trying to save someone's life).
- If you are pregnant, you are usually not covered within 8 weeks of the estimated delivery date.
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| Single Trip Winter Sports Cover |
- If you only take one winter sports trip a year, then go for a tailor made winter sports package.
- These policies are usually flexible and can provide you with extensions that will cover the more unusual activities.
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| Family Insurance |
- If you're taking the family, look out for special family policies that will cover your whole tribe with one swipe of the credit card.
- Policies usually include an unlimited number of children (and include step or foster children if applicable).
- Always check for limits on age.
- Very young children, e.g. under the age of two, are usually included for free.
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