What is included in an Ski-Insurance.com.au international snow travel insurance policy?
Ski-Insurance.com.au has one international snow travel insurance policy, with a range of benefits that cover your usual travel insurance claims, as well as ones tailored to participation in snow sports. These include:
Overseas emergency medical assistance
Overseas emergency medical and hospital expenses
Overseas dental
Additional accommodation and travel expenses
Family emergency cover
Resumption of journey costs
Hospital cash allowance
Accidental death
Permanent disability
Loss of income
Travel documents and travellers cheques
Theft of cash
Loss, delay, accidental damage, or theft of luggage and personal effects
Cancellation fees and lost deposits
Alternative transport expenses
Personal liability
Domestic pet care
Domestic services cover
Rental vehicle excess
But remember: check Mozo’s data fields or the Ski-Insurance.com.au product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policy across the range.
Benefits that relate specifically to skiing and snowboarding:
Does Ski-Insurance.com.au travel insurance have COVID-19 cover?
Unfortunately, Ski-Insurance.com.au does not provide cover for COVID-19 at this time.
What other optional extras can I add to my Ski-Insurance.com.au policy?
High value items
While luggage and personal effects are covered under all of Ski-Insurance.com.au’s policies, you may be able to purchase up to $5,000 worth of additional cover for any high value items you have, provided that they are less than 12 months old. High value items cover is not available, however, for jewellery, bicycles, watches, and watercraft. You could, however, apply for high value item cover for your surfboard, for instance.
Heli-skiing
If you’re planning on heli-skiing, then you will need to purchase an additional level of cover. Upon paying the extra premium, you may be eligible for cover on any claims that arise from heli-skiing. But, keep in mind, cover for accidental death and disability does not extend to participating in heli-skiing, due to the dangerous nature of the activity.
Equipment hire excess
You can also pay an extra premium to reduce the cost of ski equipment hire excess, if you lose or accidentally damage your hire equipment. So, if your hire skis are stolen, you won’t be paying the full excess to replace them.
Are pre-existing medical conditions covered under Ski-Insurance.com.au’s travel insurance?
Ski-Insurance.com.au automatically includes cover for some pre-existing medical conditions, although you must declare your pre-existing conditions and have them listed on your certificate of insurance in order to be covered. So, make sure you disclose any conditions that you do have at the time of applying.
While you may have to pay an extra premium for your condition, some conditions are covered under your policy’s premium already.
Some examples of pre-existing medical conditions that are automatically covered include:
Asthma (provided you do not have lung disease and are under 60 years old)
Benign positional vertigo
Carpal tunnel syndrome
Diabetes type I & II (subject to certain criteria)
Epilepsy
Gastric reflux
Hypertension
High cholesterol
Menopause
Sleep apnoea
If your pre-existing medical condition is not eligible for automatic cover, Ski-Insurance.com.au will not be able to provide overseas medical and hospital assistance, or any other benefits of your policy that are related to your condition, if you fall ill overseas.
What exclusions are there to look out for in a Ski-Insurance.com.au travel insurance policy?
If the country you are travelling to, or choose to remain in, has a ‘Do not travel’ warning issued by the Australian government’s Smartraveller website, then you will not be covered under Ski-Insurance.com.au’s policies for an insured event that happened while this warning was in effect.
A brief list of general exclusions also include claims relating to:
Deliberately putting yourself, or if any covered person puts themself, in danger
Not taking reasonable care to protect your belongings in the case that they are stolen
The consumption of alcohol or drugs
Biological or chemical warfare
Any involvement in illegal acts
Your claim arises from a government authority confiscating, detaining, or destroying anything
What do I do if there’s an emergency during my trip?
If there’s an emergency, contact Ski-Insurance.com.au’s 24 hour emergency assistance and claims line on:
How do I make a claim with Ski-Insurance.com.au travel insurance?
To make a claim, email Ski-Insurance.com.au at info@travelclaimscentre.com.au, or call them from Australia on 1300 369 883. You need to contact them regarding a claim within 30 days of returning home to Australia.
You will need to have supporting documents which are relevant to your claim, like receipts, police reports, or hospital invoices. Ski-Insurance.com.au will aim to notify you of the success of your claim within 10 working days.
Is it possible to cancel my Ski-Insurance.com.au travel insurance policy?
You can cancel your policy and receive a full-refund within 14 days of purchasing it, provided you have not started your journey, have not made a claim, or intend to make a claim. If you want to cancel after the 14 day cooling-off period, then you may be able to receive a partial refund, at Ski-Insurance.com.au’s discretion.
To talk to Ski-Insurance.com.au about cancelling your policy, call them on 1300 369 883.
Loading form ... 