 Poster: A snowHead
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I'm looking at booking insurance for next years ski holiday and looking at the cancellation wording. A couple of years ago I was going to go skiing with a group of friends, but just before we booked I hurt my ankle and so ended up not booking and going. I'm wondering where I would have stood getting the cost of the holiday back if I hadn't been so lucky and it had happened just after I'd have booked.
From what I can see in the policy documents if for example I injured myself skiing at Hemel a few weeks before I go on holiday and was unable to ski I wouldn't be insured for the cost of the holiday as I'd still be capable of going on the holiday, just not skiing.
Last edited by Poster: A snowHead on Mon 31-08-09 19:52; edited 3 times in total
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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It's a point for arguing I found. A few years ago we were booked for a weeks skiing holiday and the week before we were due to go my daughter broke her arm. After some debate the insurance company agreed they would pay for the cancellation. We didn't take them up on it though, we went and accepted that she wasn't insured to ski!
With regards to declared injuries, I've had a couple, and the insurance companies were fine with them, being only interested in whether any further treatment/investigations were planned and whether I was still under the care of medics.
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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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You need to Login to know who's really who.
You need to Login to know who's really who.
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I had had a look at them before, but at £72.55 for annual worldwide its quite a bit more than the £39.90 you'll find at moneysupermarket.com
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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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Give Dogtag a call, Claire is a snowHead and understands......
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Well it's a shame I never managed to talk to Claire, or anyone else who could explain what the Dogtag small print means about off piste skiing in Europe. 
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You'll need to Register first of course.
You'll need to Register first of course.
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Elmer, basically, if you take out the insurance and book a holiday then become injured after you have booked, you shoud be covered. The travel insurance industry is changing as it takes your premium and insures you for the year, unless there is a fundamental change of risk (such as cancer or amputation), it is not fair or reasonable for the insurer to renegade on the contract simply because the risk has changed after the inception date.
Consider, you renew your household insurance for a year which covers you for such events as storm. Yet the insurer finds out that there has been several storms in your area so decides to not cover that anymore !!
The same is applied to travel insurance. You take out an annual policy at the time you are in good health, you book a holiday and suffer an injury - the insurer cannot simply pull out of the contract as the risk does not look so good now.
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Ahh that's good then.
I just didn't know in the case where I'd hurt my ankle that as I could walk around ok, they'd say that there was nothing to stop me going on the holiday and not skiing.
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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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Boredsurfing, I don't use Dogtag because of the way they write their definition of off piste, and specifically their definition of what they consider "extreme" under the terms of their skier policies.
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| Libertine wrote: |
| Elmer, basically, if you take out the insurance and book a holiday then become injured after you have booked, you shoud be covered. The travel insurance industry is changing as it takes your premium and insures you for the year, unless there is a fundamental change of risk (such as cancer or amputation), it is not fair or reasonable for the insurer to renegade on the contract simply because the risk has changed after the inception date....... |
I really would recommend snowheads to look carefully at their insurance policy wording. Here is what snowcard says
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HEALTH
Health restrictions apply – please refer to Sections 1 and 3 of the
policy. You must refer to the Health Declaration in the policy.
If you cannot agree with the Declaration you must contact
Snowcard Insurance. Failure to notify Snowcard in these
circumstances may mean a claim is not met.
If, after purchasing this insurance, there is a change in health
and you can no longer agree to the declaration, you must contact
Snowcard Insurance to see if cover can continue. If we cannot
continue cover you may claim for the cost of cancelling your trip
at that time. Your policy does not cover you if you are travelling
against medical advice or to get medical treatment. |
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Just to add to this, my partner and I had booked a ski holiday and then about 2 months before, he developed shin splints from running. He was still pretty keen to board, and was happy to just take ibuprofen to reduce the swelling and pain. I contacted our insurers (insure and go) to determine whether this would affect our insurance. They were concerned whether the shin splits were bone or just muscle pain, for which we were awaiting the results of a hospital scan. It was unlikey we would have the results before the ski holiday would take place, so the insurer just asked us to pay a small premium to cover this 'increased risk' - about £5 I think. If he required treatment of shin splints while on the ski holiday he would not be covered, but would be covered if he say, broke his leg or any other leg related (or other) injury. I can never be sure with the small print, so just ring the company and badger them until you get a clear answer!
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