Skiing Holiday













  IMPORTANT INFORMATION

Severe Acute Respiratory Syndrome (SARS)

If you are planning to travel to a Severe Acute Respiratory Syndrome (SARS) infected area as designated by the Foreign and Commonwealth Office (FCO) the following notice applies.

Insurancewide.com's travel insurance provider is unable to provide insurance and would not cover an existing policyholder (an Insured Person) travelling to a country where the Foreign and Commonwealth Office (FCO) has advised against travel. In the current climate with the SARS infection this includes Hong Kong.

If an Insured Person travels to a country which is not on the FCO warning list and they were to contract the SARS infection Insurancewide's travel insurance provider would cover all medical costs and arrange repatriation if deemed necessary. The Insured Person should also contact the emergency services immediately.

For Insured Persons booked to travel to an infected area where the FCO have advised against travel, a refund or suitable alternative should be obtainable from the Travel Agent/Tour Operator.

Under the cancellation section of the policy, Insurancewide.com's travel insurance provider does cover the insured if they are prevented from travelling to the intended destination due to Government restriction or epidemic. However, Insurancewide.com's travel insurance provider would not cover any situation if restrictions for the destination country were in place at the time of effecting the policy.

All Downhill Without the Right Cover

Skiing is great fun - but it can be hazardous too. If you haven't had a spill on the slopes, you must know someone who has.

It's fairly obvious that you are far more likely to have an accident skiing, or indulging in some other hazardous sport, than you are relaxing on a beach reading a book. As a consequence most basic travel insurance policies exclude these activities.

If you have annual travel insurance, for instance, check it carefully - it's likely that your skiing trip is not covered. It means that a slippery slope could end up as a real expense if you do actually have a spill rather than simply a thrill.

You should make sure you are covered, for example, for mountain rescue costs in case you need to be brought off the mountain.

Your insurance should also cover the cost of prepaid expenses such as ski pass and skis and any expenses incurred as a result of delays caused by avalanches. This is all in addition to the standard travel cover you'd expect.
  IMPORTANT NOTICE

Please be advised that the travel insurance policies on offer herein do not cover losses arising due to War or Terrorism, except Medical and Personal Accident claims as a result of physical injury sustained directly in a terrorist attack, unless travel is undertaken contrary to Government advice.

As such, claims under the Cancellation, Curtailment, Missed Departure, Travel Delay & Abandonment sections of the policy will not be covered if the claim arises due to an act of War or Terrorism, or fear of War or Terrorism.

The policies on offer do not cover losses arising as a result of the financial failure of any airline, travel agent or tour operator.
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