5 ways accidental injury cover can help protect you on an overseas ski holiday
Thinking about heading overseas these holidays? We take a look at some of the ways accidental injury cover can keep you safe.
Sponsored by Flip Insurance. When you're planning your next adventure, why not get cover with Flip? With on-demand accidental injury coverage, no-lock-in contracts and easy claims, it helps you get prepared for whatever life throws your way.*
Save 10% on your first purchase of Flip Roaming, thanks to Finder. Use code FLIPFINDER24 at checkout**.
With the holidays just around the corner, Australians of all walks of life are making plans to travel overseas and hit the slopes in the Northern Hemisphere.
But staying protected while you're away is crucial. So today, we take a look at some of the ways accidental injury insurance can help while you're on an overseas skiing holiday.
1. You can get cover for accidental injuries while you're overseas
Skiing, snowboarding and other fun activities on the powder can all be a bit risky. And risk – even if it's managed properly – can sometimes turn into injury.
So it makes sense to have some accidental injury insurance in place, just in case there is an accident.
One product that's new to the market is Flip Roaming, from Flip Insurance.
Flip Roaming provides accidental injury insurance for a range of overseas locations, including Japan, Canada, European Union countries, Switzerland and Norway.
So if you do experience an accidental injury while you're on holiday in a covered destination, you're able to get a cash payout to help manage expenses that might arise. It could also help cover costs if you have to take some time off work when you get home.
Learn more about accidental injury coverage while you're overseas
2. You can buy it on an as-needed basis
Accidental injury policies tend to offer more flexible cover periods than traditional forms of insurance.
So rather than needing to pay for the full period of your trip, as you would normally do for travel insurance, you're generally able to take out cover for the shorter periods as needed.
Let's look at Flip Roaming as an example. You can purchase Flip Roaming on a week-to-week basis, for $80 a week, per person.
Additionally, you can get 10% off your first purchase of a week of Flip Roaming. Just use the code FLIPFINDER24 at the checkout.
Get 10% off your first purchase of Flip Roaming cover
3. You don't need to report activities in advance – and you can get off-piste skiing covered
When you're on a skiing holiday, all sorts of opportunities can present themselves. New slopes can become available, you might visit friends at a different skifield or you simply decide you want to challenge your skills.
But for some policies, you will need to be clear on your plans beforehand to make sure you have the right cover. That isn't great for spontaneity.
The good news is that some accidental injury policies are geared to have a broad remit. So if you've got a policy in place, you don't need to worry if your plans change on the run.
For example, Flip Roaming covers a huge range of activities with very few exclusions. This includes cover for on- and off-piste skiing.
Learn more about getting cover while you ski
4. You can use it to supplement other policies
Travel insurance is great to have while you're overseas. Being able to offset the cost of cancelled flights, missing bags, hospital visits and more can be extremely useful.
After all, you don't want your holiday disrupted. The right insurance can help avoid needless issues.
But travel insurance policies don't cover every contingency – particularly when it comes to accidents. In fact, some policies can even have pretty specific accident exclusions.
So in these situations, it can be really handy to have accidental injury insurance in place.
This way, you can have a broader range of cover that can come into play in the (hopefully unlikely!) event that something goes wrong.
You should always check, though, whether the insurance you purchase is right for your particular needs.
Learn more about how Flip Roaming can supplement your other insurance
5. You can claim under multiple benefit types
With the right accidental injury insurance, you can sometimes claim multiple benefit types if you do get injured.
Many insurers will provide you with funds to reimburse (or partially reimburse) your overseas medical costs, after you've seen a relevant doctor.
But depending on your policy – and the seriousness of your injury – you may be eligible for another cash benefit.
This can be paid separately from the initial claim, with the understanding that you're able to use the funds to best benefit your recovery.
Although it doesn't apply in every circumstance, policies with these types of features can help provide extra peace of mind if you do get injured on the slopes.
Learn more about claims and benefit types with Flip Roaming
Learn more about getting your next ski trip covered with Flip Insurance
Sponsored by Flip Insurance. When you're planning your next adventure, why not get cover with Flip? With on-demand accidental injury coverage, no-lock-in contracts and easy claims, it helps you get prepared for whatever life throws your way.*
Save 10% on your first purchase of Flip Roaming, thanks to Finder. Use code FLIPFINDER24 at checkout**.
