Skiing and snowboarding are thrilling ways to connect with the mountains, offering exhilaration and adventure like no other. However, as much as we love the slopes, we must recognize that these activities carry inherent risks. On a recent trip, we were reminded just how crucial it is to be properly prepared, especially when it comes to insurance.
A Sobering Experience on the Mountain
During our trip, our close friend experienced a serious accident after being crashed into from behind by another skier. The impact caused her to fall heavily, resulting in a fractured vertebrae. It was a terrifying moment as we realized how urgent the situation was. The ski patrol team acted quickly and professionally, organizing a helicopter evacuation to the nearest hospital where she received immediate care.
We are profoundly grateful to the ski patrol, helicopter crew, and hospital staff for their swift action and care. Without their expertise, the outcome could have been much worse.
Thankfully, our friend had purchased insurance with her lift pass for just 3 euros a day. This affordable coverage meant her emergency medical expenses, helicopter evacuation, and hospital stay were all taken care of. Without it, the financial burden of such an incident could have been overwhelming.
Why Insurance Is Non-Negotiable
Skiing accidents can happen to anyone, from seasoned skiers to beginners, and sometimes through no fault of your own. Having the right insurance not only gives you peace of mind but ensures you receive timely care without worrying about costs.
Many resorts, like the one we visited, offer insurance as part of the lift pass. However, it’s essential to double-check that the coverage includes off-mountain evacuation, hospital stays, and repatriation if needed. If this isn’t included, make sure to add it when purchasing your pass or through a separate policy.
In addition to resort-offered policies, there are several reputable travel insurance companies offering specialized winter sports cover. Here are a few we recommend:
- World Nomads: Known for their comprehensive coverage, including off-piste skiing with a guide.
- AXA Insurance: Offers affordable winter sports packages with coverage for equipment and medical emergencies.
- Allianz Travel Insurance: Provides customizable plans with options for heli-skiing and snowboarding.
Additional Tips for Slope Safety
While insurance is critical, there are other steps you can take to stay safe and prepared:
- Wear a Helmet: Collisions can happen even on less crowded slopes. A helmet is a must to reduce the risk of head injuries.
- Wear a Back Protector: Injuries to the spine are serious, and wearing a back protector can significantly reduce the risk of severe injury in a fall or collision.
- Carry ID and Emergency Contact Information: Keep this on your person at all times, along with details of your insurance policy. In an emergency, this information is vital for rescue teams and medical staff.
- Know Your Limits: Skiing within your ability level and staying on marked runs when possible can help prevent accidents.
A Final Word
Our friend’s accident was a stark reminder that the mountains demand respect. With the right preparation, including proper insurance, you can focus on enjoying your time on the slopes without worrying about what might happen if something goes wrong.
If you’re planning a ski trip, take a few moments to review your insurance options and ensure you’re covered. That small investment could make all the difference if the unexpected happens.
Stay safe, wear your helmet, and see you on the slopes!
