Is theft from tents covered?
Similar conditions apply as for theft from vehicles, particularly in respect of valuables. Whilst you cannot lock a tent, losses can be prevented by placing items of value in a locked car whilst you are out during the day time. We do not expect you to pack away all of your belongings but do not leave any items of value lying around in view if at all avoidable. You must report any theft to the police within 24 hours of discovery. If there has been no evidence of a theft, they may be reluctant to provide a police report which could prejudice your claim.
Is off piste skiing covered?
We do not have an exclusion for off piste skiing or a requirement that you are only covered off piste with a guide. If you are ski touring/mountaineering or heli-skiing (including snowcat skiing) you must take the appropriate higher level of cover. We do expect clients to follow local resort safety warnings, particularly relating to avalanche risk. Wilfully ignoring safety warnings or deliberately avoiding avalanche risk warnings can put your cover at risk. If in doubt about the safety of particular runs or ski areas, you should seek the advice of the piste authorities and follow their recommendations. WARNING! Younger skiers and boarders or inexperienced boarders are statistically at greater risk of injury, particularly off piste or in snow parks. Please seek professional guidance or instruction to ensure your skill levels help you avoid injury.
Is helicopter rescue covered?
Yes, the costs of helicopter or ground based rescue is covered within the Medical and accidental expenses section of the policy (see condition 6). Your Snowcard gives evidence of medical and rescue insurance. The 24 emergency number should be called as soon as practical by you or someone acting for you. Rescue and medical fees can be guaranteed and paid directly for you if necessary. It is allowable for your guide to instigate rescue without reference to us although Assistance International must be contacted as soon as possible. Rescue must be because of an emergency situation.
Is decompression treatment covered?
Yes, emergency medical treatment following decompression illness or sickness is included under the Medical and accidental expenses section of the policy
Is cover for loss or theft on a new for old basis?
No. Account is taken of age and current market value.
Important information for clients aged over 75 - policy age limit
Unfortunately we are unable to offer travel insurance quotation for persons aged over 75. For information on obtaining a quotation from an alternative provider, please visit the British Insurance Brokers’ Association website at: www.biba.org.uk
How many weeks of ‘winter sports’ cover is there on a multi trip policy?
Adventure Basic policies cover up to 4 weeks of Nordic cross country skiing only, that is langlauf style cross country skiing on marked resort trails (not back country ski touring). Adventure Plus and Max Adventure policies cover up to 4 weeks of winter sports holidays. These policies are intended for persons who go on no more than 4 weeks of winter sports holidays a year. The ‘4 weeks’ does not refer to the number of days skiing but the travelling time on a winter sports holiday. A week’s winter sports travel will span two weekends, usually travelling Friday or Saturday to the following Saturday or Sunday. This in practice involves 7, 8, 9 or even 10 days of travel but for the avoidance of doubt we count this weekend to weekend travel pattern as being ‘one week’ of winter sports travel. The same principle applies to 2, 3 or 4 week holidays and holidays that start mid-week. Weekend winter sports trips are normally of 3, 4 or 5 days in duration, e.g. Wednesday or Thursday to Sunday (or similar time spans). For the avoidance of doubt, we count two weekend trips as being equal to one week of winter sports holidays. If you are going on a two or three week trip but only one week includes winter sports activity, we will just count that as being one week of the policy entitlement. If you are only skiing for one or two days on a week or longer trip, we will count that as being one weekend of winter sports activity. In the event of a claim we might require evidence of your winter sports activity and might ask you for your ski pass as such evidence. If you ski for more than 4 weeks in a policy year, you must take the Extreme Adventure policy, which does not limit the number of winter sports holidays although there is a 31 day single trip limit which can be extended to 60 or 90 days.
Helicopter rescue in Nepal
A number of insurance companies have started to impose a higher excess for helicopter rescue in Nepal. This is because there are a number of unscrupulous private operators in the region who have been successfully defrauding insurance companies around the globe. This has resulted in insurers being asked to pay for helicopter rides as if they are a taxi service where there is no medical need for an evacuation. The UK insurance market has reacted to this by either imposing higher excess charges or increasing insurance premiums. At the time of writing, Snowcard Insurance and their underwriters at Ageas Insurance are NOT imposing higher excess charges for helicopter evacuation above the excess you choose when you set up your policy. We continue to monitor the situation and in partnership with our agents in Nepal we are ensuring we only pay for valid claims where there is a medical need for a helicopter evacuation. There have been reports of insurers withdrawing cover but we do not have any reason at this time to make any rash decisions and will endeavour to maintain the levels of service and cover that our clients have come to expect. If there are any changes to the excess applicable to helicopter rescue in Nepal, these will be made public before any policy is sold and will not be retrospectively applied to existing policies. September 2018
For specialist expeditions which are self organised, or exploratory or part of a research project, we will not provide cover unless a full submission regarding the expedition organisation has been agreed by the insurers. We do not normally agree cover for specialist expeditions which are not recreational adventure holidays and normally refer proposals to the insurers of the appropriate organisation or governing sports body.
Do I have to pay my medical expenses and claim on my return to the UK?
No. If you call the 24 hour emergency number on your Snowcard, Assistance International will guarantee and arrange to pay your bills for you. For smaller amounts which you have paid yourself, simply call the claims number (0345 122 3280) on your return to the UK and ask for the appropriate claim form.