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Do any insurance options exist?

 Poster: A snowHead
Poster: A snowHead
I need to insure my son for a tip to Hintertux and I'm struggling to find any insurance options, so any advice would be welcome.
Single trip for 14 days.
Son is UK resident and 14 years old.
Will be travelling to Austria from Canada and returning to Canada after the trip.
Will be competing and training in Tux, as a non-professional.

The big stumbling block is not travelling from the UK, which removes all the UK ski specialist policies. Also being a UK resident removes the possibility of being insured from any of the Canadian companies that I've enquired with.
I'm not fussed about the minor travel insurance things like baggage, delays etc. just want to cover the costs associated with a major accident and extended hospital stay.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
@doddsie, can the organisation providing the training not advise you? Is he unaccompanied? That might also make things more difficult.
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
@doddsie, can you insure the whole trip, i.e. UK-Ca-Au-Ca-UK?
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Hells Bells - He's training with a Canadian team that get insured through their National body, so they've no experience of insuring a foreign national.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
snowdave - I think he would then struggle with the length of trip exclusions.
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@doddsie, it may be worth calling one of the insurance companies to see what they can offer given the circrumstances. Skicover answered my queries when i called them.

(also note, I'm moving this to The Piste as it's not actually about off-piste and may thus get more views)
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
NBT - I contacted a few of the UK companies who the ski racing kids use and they all said they can't offer any policies that aren't in/out of the UK.
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 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
@doddsie, maybe worth having a look at Austrian alpine club (uk) - membership includes annual insurance (but check t&cs carefully as while it’s good for rescue and medical repatriation etc maybe less good for general travel delays lost baggage etc)
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Inboard - I have looked, but couldn't find their insurance T&C's. I was slightly worried about their level of medical cover and would need to check the fine print regarding any skiing/competing exclusions.
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doddsie wrote:
snowdave - I think he would then struggle with the length of trip exclusions.


Gap year insurance?

IIRC my Amex platinum travel insurance covers dependents for up to 365days/yr in a single trip, and includes winter sports.
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Gap year insurance - All seem to exclude ski competitions or under 18's.
Amex travel trips have to start and finish in resident country.
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 And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
@doddsie, https://www.alpenverein.at/portal_wAssets/docs/service/versicherung/AWS-Folder_E_2023_ebook.pdf dont think it will work as competitions seem to be an exclusion, assume the lad can get a GHIC to cover medical costs?
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 So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
Yes he's got a GHIC, but they won't let him train/compete without insurance.
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 You know it makes sense.
You know it makes sense.
@doddsie, it might be worth contacting the insurance company behind the AAC cover (details on the leaflet somewhere) as they offer various extensions to the basic cover eg longer than 8 weeks, greater ranges and might be willing to look at extending to cover competitions
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
Thanks munich_irish - I will contact them.
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 Poster: A snowHead
Poster: A snowHead
You could try marshsport.co.uk who provide cover for GB Snowsport, Snowsport England etc. I think the basic policy assumes start and end in the UK but would probably cover the extended trip.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Would it be bonkers for him to come to the UK for one night and travel from here?
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
Marshsport said no. He could come via the Uk and return from the UK, but that would mean changing flights and buying extra flights and not travelling with the team. Probably the last resort and expensive both financially and time wise.
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Has he already left the UK?
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Snowdave - Yes
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Any austrian insurance companies that could cover him? Must be an alianz in austria
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
Have you tried speaking to BIBA?
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 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
I quickly looked at a few, but you needed to be a German or Austrian resident. If anyone knows of a more flexible company, then please let me know and I’ll enquire.
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I think you can join the AAC from anywhere outside of the UK where you have to join the UK branch.
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AAC excludes training and competitions.
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 snowHeads are a friendly bunch.
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OK then you'll have to kick it back to his club in Canada. If they are of the size/ importance to go training in Austria I'd be highly surprised if they haven't had any international kids to deal with before.

Alternately just rely on GHIC and be prepared to get the credit card out should he need a heli taxi ride.
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 And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
Have you tried an insurance broker? For other things I've used Andrew Smart at Dennis Watkins & Co Ltd.
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 So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
World nomads? Covers gap years and non uk originating trips. Don’t know about non professional race training though.
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 You know it makes sense.
You know it makes sense.
I think I tried Nomads, may have been an age problem.
Have just spoken to a UK company who think they can insure him, but I’ll have to wait until Monday when he’s confirmed with the broker.
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
Snowcard are good, responsive and flexible
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 Poster: A snowHead
Poster: A snowHead
@MaxiD, they are, but journeys have start in the uk
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
@doddsie, What is he doing for insurance while he is in Canada?
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
His school have him covered under a temporary International Students medical insurance, until his MSP kicks in and then he can get SAIP through freestyle Canada.
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Have you checked if SAIP with his Canadian club would work for him?
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Canuck - Yes the coaches have.
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Is joining the Österreichischer Skiverband an option, & would that provide or give access to the relevant cover?

Or is there an approximate equivalent of Assurski that’s valid in Austria?
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