Have your 
best Ski holiday

You’ll need to select a Comprehensive policy and add a Winter Sports Pack if you’re taking part in any ski or snow related activities.

If your policy includes family emergency as a provision, and your child (who is travelling with you) becomes sick, you may be able to claim for curtailment or cancellation of the remainder of a trip, whichever is higher (you can’t claim for both).

If you have purchased a Winter Sports Pack, and, as a result of your injury or illness, you’re not able to utilise the full duration of your pre-booked and pre -paid ski passes, ski hire, tuition fees or lift passes, you’ll have provision to claim for the unused costs of pre-booked lessons, ski passes, ski hire, etc. for each insured person.

If you’ve purchased a Winter Sport Pack, we’ll be able to cover you up to $100 per 24 hours period, if as a result of not enough snow, bad weather or power failure in your pre booked holiday report, all lift systems are closed for more than 24 hours.

We will pay for either:
a) the cost of transport to the nearest resort; or
b) the cost of additional ski passes.

However, you’ll only have provision to claim if you go skiing within certain time periods. Please see the PDS for more details
 

If you have a Winter Sports Pack and your snowboard, skiis, or any other winter sports equipment is lost, stolen or damaged, (while not in use), then there is provision to claim.

If you simply aren’t watchful of your ski equipment, we aren’t able to provide coverage for luggage and personal belongings that are classed as unattended and unsupervised.

For a full definition of what is defined as unsupervised and unattended, please check the PDS for details.

When you are booking your policy, simply select the Winter Sports Pack add-on and you’ll be covered for Terms and conditions, limits and exclusions apply. Please refer to the PDS for further information.

Please note that this does not take the place of ski rental equipment insurance.

We provide cover for off-piste skiing and snowboarding, as long as it is within a short distance from designated areas of ski resort boundaries, on groomed terrain that is open and patrolled by the ski resort. If slopes are not patrolled, we won’t be able to cover you.

We do not cover backcountry skiing due to the high risk of skiing in a sparsely inhabited, rural region over ungroomed and unmarked slopes. However, it is always advisable to stay within resort boundaries where the slopes are patrolled.

Our policy states that any claim arising from being intoxicated, or under the influence of liquor or drugs — except those prescribed by a medical adviser — will not be covered.

We have a 24/7 emergency medical assistance to assist you whenever you need help.

If you want to be covered for medical evacuation and you’re taking part in ski or snow sports, it’s advisable to purchase the Winter Sports Pack add-on at the time of purchase to be covered for medical evacuation.

In an emergency where you need to be evacuated, we advise that you, a member of your travelling party, or a family member call our medical assistance team as soon as possible.

If you are covered, they will liaise with the treating hospital to provide written guarantees of payment where possible for reasonable expenses, and to approve medical evacuation if you are out of the country, and evacuation is deemed necessary.

For minor ailments, such as those that only require a GP visit, you may attend the doctor, pay for your visit upfront and then submit your claim either from overseas or once you return home.

Make sure that you keep all receipts and reports from your treating doctor, including the diagnosis and treatment notes and any other documents. If your total cost of treatment will exceed $1,000 you MUST contact our medical assistance team as soon as possible.

If you are still uncertain about what to do in relation to an injury or illness, please contact our medical assistance team and they will assist you.