Seguros y pensiones para todos

Get away to the snow: insurance to avoid being left out in the cold

Get away to the snow: insurance to avoid being left out in the cold

Home > Blog > Get away to the snow: insurance to avoid being left out in the cold

08.Mar.2023

If you are thinking of taking a trip to the snow, it is a good idea to find out in advance how to protect yourself against the consequences of a mishap. Of course, the most important thing is your safety and physical well-being, but it is important not to lose sight of the fact that poor insurance cover can become a "financial snowball" due to rescue, relocation or rehabilitation costs.

“You get what you pay for”

The main idea to take into account is that being cheap can turn out to be expensive. The best option is to take out comprehensive ski insurance that also adapts to your skiing style, the destination and the length of your trip. This way, you won’t have any unpleasant surprises and you can be sure of medical assistance or rescue wherever you are, cover for transfers, repatriation or an extension of your stay, as well as for all medical treatment resulting from a potential injury.

Be careful, because the insurance offered by some resorts, or even that associated with your ski pass, does not always cover everything. If you have an accident on the slopes, the resort is obliged to help you and facilitate your transfer to a center. But sometimes you may have to pay for all the costs, including surgery and rehabilitation. And what would happen if you had an accident off-piste? In most cases, you would have to pay for medical care and rescue costs; on average, in the Spanish mountains, this is somewhere between 3,500 and 5,000 euros. By the way, don’t think that this circumstance only affects the most daring skiers: if you slip at the door of a restaurant in the ski resort, you are also off-piste. That’s why it’s essential to be well informed while preparing your trip.

You could also consider becoming a member of a federation to take advantage of the insurance that this offers you, or take out health insurance.

Get your money back

Ski insurance will also allow you to get your money back in the event of a mishap that prevents you from enjoying your ski pass or lessons, which are usually not cheap. Neither is the sports equipment. That’s why many insurance policies cover the loss or destruction of luggage: if it is lost, stolen or damaged, in whole or in part, during your trip, your insurance company will compensate you.

And remember, whether you are a beginner or a proficient skier, you can still cause someone else to have an accident. It is essential that you have civil liability cover so that you can deal with any damages to third parties.

Alert Cops

To avoid any shocks during your skiing vacation, the Guardia Civil recommends that you follow the rules and do not skimp on safety. One of their tips is to use Alert Cops, an app that allows you to communicate quickly, accurately and free of charge with rescue services. You can also use it to alert them if you witness an accident or an emergency. Download it and enjoy the snow!

You may also like…

How to make the most of your cash

How to make the most of your cash

And the fact is that, with high inflation rates, your emergency fund savings lose their value month by month. In other words, this money is worth less over time as the cost of living rises. Is there anything that can be done? To begin with, do not lose sight of the...

What should you do with your savings in a recession?

What should you do with your savings in a recession?

However, the actual fall in the Eurozone was 0.1% in both the last quarter of 2022 and the first quarter of 2023, closer to zero growth than to a sharp economic contraction. In Spain, the GDP has not fallen since the first quarter of 2022, but the fact that the German...

The power of automating your finances and certain habits

The power of automating your finances and certain habits

It's like a vicious circle that prevents you from moving forward. The reason for this is very simple: they are processes that depend on your willpower. Even when you build the right habits, it's easy to have slip-ups that undermine your confidence and make you feel...

Should you sell your investments to pay off your debts?

Should you sell your investments to pay off your debts?

The truth is that there is no one-size-fits-all answer. The most appropriate solution will depend on both the type of debt and your investment profile, which will determine to a certain extent the returns you can achieve with your investments. Safe profit vs....

Why is everyone talking about Treasury Bills?

Why is everyone talking about Treasury Bills?

The reason for this Treasury Bill frenzy involves a combination of factors. On the one hand is the rise in interest rates by the European Central Bank (ECB) to combat inflation, which caused the yield on public debt to rise to levels that became attractive to savers....