Expeditions
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.
E-Bikes
e-biking is treated the same as non-powered bikes providing the e-bike is used as per the manufacturers specification and has not been modified. e biking e bikes e-bikes
Does Snowcard cover ski racing?
SKI RACING - please note from September 2021 we are no longer insuring ski racing or competition training. This does not affect end of week ski school races forming part of a normal package winter sports holiday with ski lessons.
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.
Do I have to advise you every time I go on holiday for my annual cover to work?
No. You only need to call if your single trip is likely to exceed your selected trip limit or you need a higher level policy.
Covid-19 and FCDO advice
For policies issued after 6 November 2020 Snowcard provides cover for certain claims for Covid-19 as detailed on https://www.snowcard.co.uk/content/coronavirus-covid-19-information If you have a European Single Trip Policy and you are travelling against FCDO advice you will be covered for certain Covid19 risks as detailed on the above link. For worldwide travel and for annual multi trip policies, cover for Covid19 is only provided if you are travelling to a country the FCDO are advising it is safe to visit.
Cancellations and refunds
Please refer to this link https://www.snowcard.co.uk/content/cancellations-and-refunds If because of the pandemic your destination country moves from the green list to the red list or the destination country refuses entry to UK travellers these are your options: If your trip is postponed we would be able to reissue the policy for later dates. Within the 14 day cooling off period, if you don’t travel and do not make a claim you would get a full refund. Outside of the 14 day cooling off period, there is no refund of premium although as noted we can reissue the policy for later dates at no charge.
Can couple policy holders travelling independently of each other?
Yes
Can children travel independently on a family multi trip policy?
Children up to and including age 18 can travel independently on a family policy. Children over the age of 18 travelling independently are classified as adults and require their own policy.
Are pre existing medical conditions covered?
The policy is subject to certain health exclusions for pre existing conditions. You may call Snowcard to discuss any uncertainties or email assistance@snowcard.co.uk. If you or anyone you are buying insurance for has a pre existing medical condition, you must refer to the health statement (your-pre-existing-medical-conditions) to see if it is covered. Some conditions will be covered, others not. If your condition is not covered by the Snowcard policy, you can still purchase a policy which will cover any new accidents or illnesses happening on holiday. If you require cover for a pre existing medical condition that is excluded by the Snowcard policy, you must seek alternative cover with an insurer specializing in pre existing condition insurance. Please refer to the British Insurance Brokers’ Association website at: www.biba.org.uk Please refer to page 13 of the policy wording for specific exclusions regarding the health of close relatives/business associates or other travel companions.

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