 Poster: A snowHead
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I always buy carre neige on top of my travel insurance when I ski in France. This may be a dumb question but this year I am off to the US do they have an equivalent that I should get.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Is there something about your current travel insurance , presumably with wintersports cover, that makes you feel you are not adequately covered? If so, why did you buy it in the first place; if not, why do you need anything more?
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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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No have dog tag's top one, just always buy it france due to the ease vs cost factor when if have to make a claim. Was keen to know if teh same hapens in the US
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| Quote: |
have dog tag's top one
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jtobin03, and do you have a sensible definition from dogtag of what they mean by "off-piste"?
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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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No problem, really pam w. Isn't their definition 100% clear? 
Off-piste:
Venturing over ungroomed and unmarked slopes but within the ski area or resort boundary, i.e the
area covered by ski patrollers or managed by the resort. Most resorts designate off-piste areas and
mark them as itineraries on the piste map. If you are uncertain about a particular area, do not go there.
Some people understand off piste (or backcountry) skiing or boarding to mean ‘going out of
bounds’, i.e. outside the resort. If you are going out of bounds or outside marked areas of the
resort, you are advised only to do so with a fully qualified local guide.
Thanks for this one - I've added it to my growing list of strange statements made by insurance companies.
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My understanding of the previous threads about Carre Neige is that some people think it will simplify rescue/assistance on the pistes. I have a feeling that assistance from Ski Patrol in N American ski areas is included in the price of the pass - the difference being that in NA you are generally skiing on private land so are the resort's responsibility as long as you are in bounds and not in a closed area, but you are on public land in Europe (of course, I could be completely wrong about all of that, but I'm sure someone else knows).
I know that i have not even filled in a form, never mind paid, on the two occasions I have had Ski Patrol attend to my son (Sunshine and Lake Louise) - the second time including a sled ride to the daylodge. Perhaps that was because he was only shocked and not injured both times, and was left in our care?
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jtobin03, you might get a more reliable answer if you e-mail the resort and ask. I believe that they do more or less speak English over there. 
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jtobin03, rescue is included in the price of your lift pass in Canada and the US, or so my ski instructor told me.
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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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ccl, no, I don't think that's even remotely clear, in a European context. European resorts don't, in my experience, have "marked boundaries" beyond the piste. and when I tried to get a European-friendly version from Dogtag I got nowhere. I also asked about avalanche warnings and was told that if there was an avalanche warning out then no, I wouldn't be covered. I pointed out that there was usually a warning, even if it was level 1. They just didn't know what I was talking about and I gave up.
I guess if you ski only in North America, no problem.
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Thanks for the help
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Oh dear pam w, I hoped the rolling eyes thingie would have signalled I wasn't seriously suggesting it was clear. I only quoted (ironically!) the Dogtag definition because it is bollox.
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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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ccl, oh sorry, being thick!!
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You weren't being thick. Irony is very tricky in a forum and I should be more careful! But we are agreed at least that Dogtag's definition is bollox 
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You know it makes sense.
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| jtobin03 wrote: |
| No have dog tag's top one, just always buy it france due to the ease vs cost factor when if have to make a claim. Was keen to know if teh same hapens in the US |
Always wondered why people waste money on travel insurance in France. If you get an injury, example this season my youngest broke his arm on the second day, keep the receipts and make a claim from the NHS on your return.
As we mostly drive and self arrange, a travel insurance policy covers us for nothing that is not already insured.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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7and2suited, we drive and self-arrange. Hubby had a serious accident last January, he required repatriation to the UK by air following surgery, and could not have travelled home by car. Air fares for himself and our son back to UK, several hundred euros in emergency treatment fees, hospital tax , 2 hour ambulance journey, reimbursement of ski packs, and hotel costs for me to stay near the hospital would not have been covered except by travel insurance. Most of this could not be reclaimed from the NHS, and insurers dealt with things that could be directly.
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Poster: A snowHead
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You are also not covered for rescue off the mountain without some form of insurance. EHIC card does not cover you for this.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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I'm sure we do have some unnecessary insurance cover, but the things which cost heaps of money (private ambulances, three seats on a scheduled plane booked at short notice and especially a third party claim from someone who you injure in a collision) would be difficult or impossible to afford. I am also acutely aware of the enormous cost of helicopters (and you don't need to be someone who hucks off cliffs to be taken off the mountain in a chopper - happened to my elderly sister in law with badly broken leg when she fell at the top of a chairlift).
Nor will the NHS pay to repatriate a body; can't think how much that costs. All that embalming. 
A broken arm is unpleasant but doesn't exactly cost an arm and leg (or not a leg, anyway). And you can still travel as planned, on just one seat.
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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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| Helen Beaumont wrote: |
| You are also not covered for rescue off the mountain without some form of insurance. EHIC card does not cover you for this. |
Nor does travel insurance, hence the need for the card.
As to recovering bodies. Stick me on Chadwell Heath dump for all I care. Would never spend a penny on a dead body, nor suffer a penny to be spent on mine.
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And all of what you quoted IS covered, except of course the luxury of your son travelling with him - you just have to know how.
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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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7and2suited, covered by what? certainly not the NHS !!! ?Mountain rescue is covered by my travel insurance policy, I would need to pay piste patrol and claim back the cost.
People purchase the crarré neige to prevent them needing to carry round large amounts of cash (not all take cards) if they are injured.
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| 7and2suited wrote: |
| Helen Beaumont wrote: |
| You are also not covered for rescue off the mountain without some form of insurance. EHIC card does not cover you for this. |
Nor does travel insurance.. |
Rubbish - if travel insurance doesn't cover rescue off the mountain, then it's not worth having. Mine (and Helen's) does, even at its most basic level.
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7and2suited, as husband needed to be accompanied on his journey home, if son hadn't been available (I had to get the car home) someone else would have had to accompany him on the journey. He required wheelchair assistance both on and off the plane, and help with luggage, he couldn't even lift his hand baggage with his belongings from the hospital (broken neck).
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7and2suited, I think you'd find that if someone in your party died in the middle of a holiday you would be right in the middle of a lengthy bout of bureaucracy in a foreign language. It happened to a neighbour of mine - his very elderly mother in law was taken very ill on a cruise in northern Europe. She had no insurance because she was far too old and sick, but although money was no problem, he found it exceptionally difficult to manage. She was initially simply very ill (heart) then the driver of the private ambulance in which she was being repatriated discovered she had died shortly before they reached Calais. Unfortunately he did the correct thing, rather than just getting to Dover and then "discovering" that she'd died.
It's all very well dismissing the problems that can arise - nothing matters till it matter.
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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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7and2suited, your 'devil-may-care' attitude may suit you, but I sincerely hope you never have to find out what would happen if you had a serious accident or death without any travel insurance. . It was difficult enough to organise everything for my husband when we did have insurance, it would have been almost impossible without it.
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Devil may care? Simple maths. The £x I have saved against the outlay I "might" have in the event of a "death" (nicely covered by life insurance so actually, not worried about that) or serious injury beyond those I have had is a bet worth taking.
Think of it more like someone with a high excess on their car insurance policy. I have £100 excess on my policy but I know people that have £500+ to keep the premiums down. In the event of a minor shunt, they self insure, in the event of a major incident, they're covered.
Same here..
If you guys want to buy some extra cover at silly prices, in most cases in somewhat ignorance because you don't know your way around the "lengthy bout of bureaucracy in a foreign language" then fair play to you. Not sure what to add.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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In the last ten years I have had two breaks in my party. Ribs and Arm (this year). All that happened was cash flow. I wacked it on the credit card and claimed it back on return.
Simples.
Death, ambulance helipcopters, calais, blah blah blah.. Sigh.
Probably the kind of people that think we should remove the yellow paint from speed cameras..
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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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7and2suited neither injury required extra airline seats, or a medical repatriation. None of these would have been paid by the NHS. I would have been several thousands of pounds out of pocket to get seats on an airline to return hubby to the UK on the 5th January (all flights were full, and some poor economy passenger was probably bumped), and no-one to claim it back from. He was specifically told not to come home by car.
Insurance cover is £60 for a family of 2 adults and 2 students, hardly a silly price when an air ambulance with nursing support can cost tens of thousands of pounds. Carre neige if you desire it is only a couple of euros per day on your lift ticket price. And how about an injury in the USA, no way would the NHS reimburse you?
I can cope with foreign beaurocracy, I bought an apartment in France.
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I can cope with foreign beaurocracy, I bought an apartment in France.
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Ditto, and I speak reasonable French. I also completely understand the principle of self insurance too - and I don't insure against risks I can afford to run. You could be in for a big shock if you think the NHS - or any part of HMG - would dig you out of all the holes you could find yourself in abroad.
Mind you, having worked with a lot of people who have worked in British Consulates, I'm aware that there is no end to the help with some Brits abroad do expect to get.
You'd better hope that your mishaps overseas continue to be minor ones.
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You know it makes sense.
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| 7and2suited wrote: |
In the last ten years I have had two breaks in my party. Ribs and Arm (this year). All that happened was cash flow. I wacked it on the credit card and claimed it back on return.
Simples.
Death, ambulance helipcopters, calais, blah blah blah.. Sigh.
Probably the kind of people that think we should remove the yellow paint from speed cameras.. |
well i say best of luck to you and your credit card...
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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| Quote: |
. I also completely understand the principle of self insurance too - and I don't insure against risks I can afford to run. You could be in for a big shock if you think the NHS - or any part of HMG - would dig you out of all the holes you could find yourself in abroad.
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Me too. I don't pay a silly excess on my car insurance to save a few quid on the excess, or duplicate my travel policy with insurance for my personal possessions, which are covered by my house insurance, but my life insurance is to make sure my survivors are left without debts, not to pay for repatriation of my body in the event of my death abroad
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Poster: A snowHead
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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I don't suppose for a moment that the well-grounded and realistic responses to 7and2suited, will make the slightest difference to his over-weening arrogance. I say "his" because I can't imagine a woman coming out with such testosterone laden tosh. 
So rather than argue futilely with him, it should be enough to say to anyone, especially those entering the business of ski holidays, that what he says should simply be ignored - advice which I might say is coming from people who are well experienced.
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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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| ccl wrote: |
I don't suppose for a moment that the well-grounded and realistic responses to 7and2suited, will make the slightest difference to his over-weening arrogance. I say "his" because I can't imagine a woman coming out with such testosterone laden tosh.
So rather than argue futilely with him, it should be enough to say to anyone, especially those entering the business of ski holidays, that what he says should simply be ignored - advice which I might say is coming from people who are well experienced. |
Nicely summed up.
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You need to Login to know who's really who.
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Some of the attitudes to risk here, I'm frankly shocked some of you let your little didums take part in a sport so dangerous as tiddly winks, let alone skiing.
My life!
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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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You'll need to Register first of course.
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7and2suited, so you've got wads of money and can afford to pay for piste rescue, extra flight seats, air ambulances, blah etc. Good for you. Most people, however, aren't in that position and therefore need to consider some kind of winter sports insurance.
I notice that your fabulous wealth hasn't bought you any common sense though - a brief perusal of the EHIC website would reveal to you that it doesn't cover anything other than a percentage of healthcare costs, so if you're expecting to be reimbursed for anything else, you're in for a bit of a surprise.
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Lizzard,
You're raving mad I'm afraid but thanks for your input. Seriously, how do you sleep at night with your pesky varmits doing something so dangerous as skiing?
Claim form went off yesterday with no fuss and got a full reimbursement last time, no problem. Maybe I'm just lucky or maybe I can just play the system properly? You decide.
Makes you wonder why the government wastes it's time issuing those pesky E111 cards.
I'm fully aware of the repercussions of not having insurance against repatriation but consider the risk so slight in comparison to the amount saved - it seems a silly reason to buy insurance. Might as well as carry separate insurance on my car to cover alien abduction as that is not covered on my normal policy.
Or put another way, 25 years plus of skiing with out ever needing repatriation, or knowing anyone who has needed repatriation at an average of say 1.5 trips a year at £50 a trip - saved plenty to cover repatriation if I need it in April.
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At up to £25,000? Good luck , and if you were paying £50 per trip for travel insurance, you were being robbed. Our annual policy for 4 people is not much more than that.
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Your EHIC will allow you access to the same state-provided healthcare as a resident of the country you are visiting. However, many countries expect the patient to pay towards their treatment, and even with an EHIC, you might be expected to do the same. You may be able to seek reimbursement for this cost when you are back in the UK if you are not able to do so in the other country.
The EHIC is NOT an alternative to travel insurance. It will not cover any private medical healthcare or the cost of things such as mountain rescue in ski resorts, repatriation to the UK or lost or stolen property.
For these reasons and others, it is important to have both an EHIC and a valid private travel insurance policy. Some insurers now insist you hold an EHIC and many will waive the excess if you have one. |
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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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| 7and2suited wrote: |
Lizzard,
You're raving mad I'm afraid but thanks for your input. Seriously, how do you sleep at night with your pesky varmits doing something so dangerous as skiing?
Claim form went off yesterday with no fuss and got a full reimbursement last time, no problem. Maybe I'm just lucky or maybe I can just play the system properly? You decide.
Makes you wonder why the government wastes it's time issuing those pesky E111 cards.
I'm fully aware of the repercussions of not having insurance against repatriation but consider the risk so slight in comparison to the amount saved - it seems a silly reason to buy insurance. Might as well as carry separate insurance on my car to cover alien abduction as that is not covered on my normal policy.
Or put another way, 25 years plus of skiing with out ever needing repatriation, or knowing anyone who has needed repatriation at an average of say 1.5 trips a year at £50 a trip - saved plenty to cover repatriation if I need it in April. |
i appreciate that you now may feel that you can't/wont back down from your position but can i offer some advice. please shut up.
your an idiot
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| 7and2suited wrote: |
I was skiing before you were born I fancy |
Well, as in everything else you have said, you are wrong.
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