Is skiing incredible mountain ranges the focal point of your travel plans or an added bonus when traveling to a destination? Whether you are an enthusiast or enjoy leisurely skiing down a snowy slope, Atlas Travel Insurance helps you enjoy a worry free vacation. Skiing travel insurance provides protection for you, your family or a group while skiing around the world.*
Medical emergencies can quickly disrupt a fun time in the snow and even more so when unexpected expenses are incurred. As you plan a ski trip abroad, consider an insurance plan that offers medical benefits and travel assistance services to meet your needs while traveling outside your home country. Atlas Travel® and Atlas Group® (for families of five or more people) include sports coverage for skiers giving you protection to enjoy the international slopes. Hit the slopes knowing you are covered by skiing travel insurance.
* Skiing or snowboarding away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body is not covered.
What a wonderful idea! Your skiing friends or family members are traveling to a popular skiing destination for some days of activity and relaxation. Everyone is excited to go. Did you plan for everything?
An unexpected injury can quickly change all your plans and impact your budget. Do not worry because our skiing travel insurance offers direct payment for many international providers so you do not end up with unplanned out-of-pocket expenses.
If you have an unfortunate accident requiring inpatient hospitalization on your trip, our skiing travel insurance provides ambulance transport for covered injuries and even for physical therapy if your physician deems it necessary for your recovery.
An unexpected accident could quickly end your skiing trip, but you might still need medical care. With our sports coverage, if a covered accident occurs while you are outside your home country and your certificate is in effect, skiing travel insurance will continue to cover your eligible medical expenses when you return to your home country for a benefit period.
Pack your bags and gather your gear. Take along some extra peace-of-mind too. Our Atlas skiing travel insurance includes travel assistance services like lost passport services, embassy and consulate referrals, and lost luggage assistance. It’s all available 24 hours a day, 7 days a week with Atlas Travel and Atlas Group policies.
|Covered Benefits||Provided With Atlas Travel||Atlas Travel Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions (excludes chronic and congenital conditions)||Limited: Up to medical coverage maximum lifetime for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2,500.|
|100% coverage for accidents and injuries outside the U.S.||Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% coverage for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, $1,000,000 in cover regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|Complete online enrollment capabilities & immediate fulfillment||Yes: Selecting 'Yes' to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved||Varies.|
|Crisis response benefit||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping.||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability benefit||Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.||No. Competitor travel medical plans do not include a personal liability benefit.|
Skiing and snowboarding holidays or weekends are becoming increasingly popular due to low-cost flights, holiday home rentals and other options.¹ Consider these top destination countries:
Austria - Perhaps best-known for the movie “The Sound of Music”, the country is also a winter play land for many.
France - Most travelers stay near the slopes of the Alps in self-catering apartments or ski chalets, which are ideal for group travelers and families.
Italy - Resorts at Le Marche and Abruzzo in the Appenine Mountains are good skiing destinations.
Norway - Ever consider skiing in the Arctic? Do just that along the coastline of the Scandinavian country.
Switzerland - The Valais region of the Alps is known for its excellent skiing facilities and beautiful scenery.
U.S. and Canada - The Rockies are very popular for snowboarding and skiing with Americans and international travelers. Luxurious ski villas in the U.S. include swimming pools.
Skiing and snowboarding are great ways to spend your leisure time regardless of your age. Both are especially good activities for families or a group of friends. However, you might experience some falls and bumps so plan ahead for your trip and avoid any inconvenience or expenses with skiing travel insurance, such as Atlas Travel and Atlas Group.
1 “The Finnmark Arctic Ski tour – 70° North”, Direct Adventures, http://www.directadventures.co.uk/The_Finnmark_Arctic_Ski_tour-_70_Degrees_North_Norway.html, (April 12, 2011).
2 World Health Organization, International Travel and Health 2010, http://www.who.int/ith/chapters/en/, (Accessed March 25, 2011).
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.