 Poster: A snowHead
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My daughter is heading out next week to teach in ski school in Whistler but finding the cost of insurance horrendous. She will need cover to a CAD $100k limit to basically get into Canada with her visa. Best price we can get is around £1k. Some options mentioned on other threads only cover 61 days etc but she will need a full season's cover. I presume that the ski school will have professional indemnity covered.
Help (please) 
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Amex worked once for me but I think they subsequently jacked rates up a lot. BMC?
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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?
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BMC is only 61 days. Will look at amex
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You need to Login to know who's really who.
You need to Login to know who's really who.
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@boabski, What is the CAD $100k limit for, Medical, Personal Liability, Professional Liability or something else? It does not sound like that big a limit for a policy other than the cancelation, theft, loss of ski pass sections.
If you've not already tried, it may be worth contacting an old fashioned broker over the phone than the online providers.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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@Gilberts Fridge, it's what's stated on the Canadian govt website. Medical cover I'm sure. I've tried a few brokers without much success, i.e. more expensive
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You'll need to Register first of course.
You'll need to Register first of course.
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b]@boabski[/b], I would say 1k for a suitable US/CAN policy would easily be the going rate. My son went for 6 ish weeks last year and once everything suitable was added on the price was substantial. What added up for us was making sure he had cover for off piste without a guide, snowboarding (he would generally ski but wanted to board every so often) and anything in a Park plus other winter but non skiing activities. A lot of the cheapest policies had distinct exclusions for things a young, confident skier is likely to be doing over the course of several months. Think my son used Snowcard but had to go to Max or Extreme Adventure level to get the right inclusions. I think I ended up contributing when we disagreed about his 'just get the cheapest, it will be fine' suggestion.......
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Yeah but, well, Canada does have a public health system. And if you're working, the employer covers liabilities from that, and in Whistler the hospital is right there, you can pretty much ski to it, and the helicopter is right there too, and the blood wagons are going to be free for employees.
I would look very closely at what you have to insure, precisely. It's not going to be the same thing that a tourist would maybe consider. Plus it's probably tax deductible. If you're working at the ski school, well you're not the first foreigner, so there will be people there already who can answer this question.
My guess would be that they want you to have standard health insurance, not ski specific stuff, rescue and all that, which I can't see you'd need.
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@phil_w, thanks. Will check that out
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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@boabski, My Daughter is on 2nd year in Canada and will also be in Whistler for the winter and teaching. The employer will cover "on duty" insurance from a Public Liability perspective and if she's BASI, they cover personnel liability as part of the membership. But, everything else from a health perspective and "off duty" requires a Health Insurance policy. Pretty much all UK Policies will expire after a certain number of days and even the Austrian Alpine Club one has an 8 week limit. Daughter used True Traveller for her first year and has now switched to Globelink which comes in at around £600. Make sure you have the appropriate cover for what she needs. Daughter discovered she hadn't ticked the Mountain Biking box, after she had a crash! PM me if your daughter would like to reach out to mine, I can get a Instathingy Link for her.
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@RedandWhiteFlachau, thanks for the info. Managed to get cover via a UK broker using AIG, which looks pretty decent and will cover her pretty well. I'll send you a pm too.
Thanks again
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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@RedandWhiteFlachau, I wouldn't touch Globelink with a bargepole. If you look at their reviews on trustpilot the majority are for the ease of purchasing a policy. If you look in more detail you will see that people who have tried to claim on the policy only leave 1 star reviews. We had to return from Australia a few years ago due to a family member being taken into hospital and they were an absolute nightmare.
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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.
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| skichampcouk wrote: |
| @RedandWhiteFlachau, I wouldn't touch Globelink with a bargepole. If you look at their reviews on trustpilot the majority are for the ease of purchasing a policy. If you look in more detail you will see that people who have tried to claim on the policy only leave 1 star reviews. We had to return from Australia a few years ago due to a family member being taken into hospital and they were an absolute nightmare. |
I'm inclined to agree with you but all insurance is a risk verses gain decision. If you're young and healthy then lower risk of illness, so always a trade off and as Canada mandates some form of Travel Insurance for visa holders cheap might be better. As it happens, we're covered worldwide by our expensive Austrian Health Insurance for accidents and illness but went with Globelink for the flights and luggage stuff. Not had to claim anything though.
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@RedandWhiteFlachau, Following our experience if you ever have to claim make sure you know exactly what you are entitled to and push them to ensure they keep to their terms and conditions. Don't accept their word as we did when we had a problem. Then follow it up with a threat to raise it on social media so it could potentially affect their income stream.
The only reason they ever settled with us was because we left a couple of sh1tty reviews on trustpilot.
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