Do I Need Special Insurance If I'm Going Backcountry Skiing In The Northern Hemisphere?

As most Kiwis prepare to head to the beach or lake for a summer break at the bottom of the world, an adventurous few head to winter in the Northern Hemisphere and some of the best backcountry skiing in the world. Certain locations in Europe, Japan, Canada and the US are a haven for the few skiers that others would call brave, skilful, crazy or all three labels combined.

Backcountry skiing, also known as off-piste or alpine touring, is an exhilarating and adventurous way to enjoy mountain landscapes. Unlike resort skiing, which is conducted on groomed trails with ski patrols, backcountry skiing takes you into remote, uncontrolled areas. While the allure of pristine powder and untouched terrain is undeniable, it also comes with heightened risks—from avalanches and sudden weather changes to injuries far from medical help. This raises an important question: do you need special insurance for backcountry skiing in other countries?

The answer is a resounding yes. Regular travel or health insurance often falls short when it comes to covering the unique risks associated with backcountry skiing. Below, we delve into why specialized insurance is necessary, what to look for in a policy, and how to prepare for your backcountry adventures.

Understanding the Risks of Backcountry Skiing

Before discussing insurance, it’s crucial to understand why backcountry skiing carries unique risks:

1. Avalanches: One of the biggest threats, avalanches can occur suddenly and with devastating consequences. Proper training and gear reduce the risk but cannot eliminate it.
2. Remote Locations: Backcountry areas are often far from help. Rescue operations may require helicopters or specialized teams, which can be costly.
3. Extreme Weather: Unpredictable weather changes can lead to dangerous conditions, including whiteouts and hypothermia.
4. Navigation Challenges: Navigating ungroomed terrain increases the likelihood of getting lost, especially if you are on holiday on an unfamiliar mountain, and language problems can make things worse too.
5. Limited Medical Access: Injuries in remote areas complicate medical care, making evacuation and treatment both difficult and expensive.

Given these factors, standard travel or health insurance policies usually exclude coverage for such high-risk activities.

Why Regular Insurance May Not Be Enough

Most standard insurance policies explicitly exclude coverage for extreme sports or adventure activities. Even if your policy covers winter sports, it may only apply to in-bounds skiing at resorts. Here are common limitations of regular insurance when it comes to backcountry skiing:

• Exclusions for High-Risk Activities: Many policies list backcountry skiing, heli-skiing, or mountaineering as excluded activities.
• Limited Rescue Coverage: If you require a helicopter rescue or specialized team, standard insurance may not cover these expenses which can be huge in the US or Canada, Japan, France or Switzerland.
• Insufficient Medical Coverage: Evacuations and treatment for injuries sustained in remote areas can quickly exceed the coverage limits of regular policies.
• Lack of Repatriation: For non-residents of certain countries repatriation to New Zealand or your home country may not be included.

Specialized Insurance for Backcountry Skiing

To address these gaps, specialized insurance policies are designed for adventure sports enthusiasts. Here’s what to look for in a policy if you are considering a backcountry skiing adventure overseas:

1. Medical Evacuation and Treatment

Backcountry skiing injuries often require evacuation to the nearest hospital, followed by specialized treatment which can be a massive cost in the US, Europe or Japan. Ensure your policy includes:

• Air ambulance services
• Emergency medical evacuation
• Coverage for hospital stays and follow-up care

2. Coverage for Equipment

We get asked a lot about coverage for ski equipment and it's important to note that just about every policy excludes cover for sporting equipment whilst in use – even specialist providers don’t cover it. There is however cover for when gear is in transit or storage.

3. Trip Cancellation and Interruption

Unpredictable conditions may force you to cancel or cut short your trip. Look for policies that reimburse costs for:

• Trip cancellations due to weather
• Interruptions caused by injury or illness
• Lost deposits for guided tours or accommodations

4. Adventure Sports Add-ons

Some insurers offer adventure sports riders or add-ons to existing travel insurance. These are specifically designed to cover high-risk activities like backcountry skiing.

5. Liability Coverage

Accidents can affect others, not just you. Liability coverage protects you in case you cause harm to someone else or their property.

Tips for Choosing the Right Policy

Here are steps to ensure you choose the best high risk adventure sport insurance policy for your backcountry skiing adventure:

1. Read the Policy Wording: Verify that backcountry skiing is explicitly included. Watch for exclusions related to skiing in controlled resort areas only.
2. Assess Coverage Limits: Ensure the policy provides adequate limits for rescue, evacuation, and medical care.
3. Look for Global Coverage: If you’re traveling from outside the Northern Hemishere, ensure the policy offers global coverage and repatriation back to NZ or your home country.
4. Check the Insurer’s Reputation: Look for insurers with strong customer reviews and experience in adventure sports coverage.
5. Combine Policies If Necessary: You may need to pair a general travel insurance policy with a specific adventure sports add-on.
6. Consult Experts: Speak with insurance brokers or agents who specialize in adventure travel. Give us a call at Travel Insurance Brokers Ltd, we have 20 years' experience at insuring travellers partaking in extreme sports, including backcountry snow sports.

Final Thoughts

Backcountry skiing offers a thrilling escape to stunning locations around the world, however it’s not without its risks. Standard insurance policies often fall short in providing the coverage needed for the unique challenges of this activity. By investing in specialized insurance, you protect yourself financially and ensure peace of mind as you hit challenging and remote slopes. Take the time to talk to the right adventure travel insurance experts so you can choose the right policy and prepare adequately. With the right precautions, you can enjoy the beauty and adventure of backcountry skiing anywhere in the world.

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