This year you have decided to take a winter vacation. You have chosen to face the cold to discover the magical landscapes that always make you dream. But have you thought about purchasing travel insurance?
Traveling in a cold country
Whether you go to Italy or Switzerland, Finland or Norway, you will discover countries which are used to the cold and which will share their love of winter with you. A sleigh ride or a cross-country skiing trip will quickly remind you that nature is all around you and that you should take advantage of it without delay.
As with any trip away from home, it is important to have good travel insurance, especially since during winter holidays the chances of getting sick or having an accident are much more frequent.
If your travel costs are high, it is all the more important to take out a contract including a cancellation clause. Indeed, if you cannot leave in the end, for a reason included in the contract, you will be reimbursed for your travel expenses in full. On the one hand by the travel agency which applies its reimbursement scale, and on the other hand by the insurance company which comes up to 100% in addition to this reimbursement.
Cold weather unfortunately also means increased risk of disease. Going on winter vacation in a cold country requires preparation. Viruses are actually more resistant in cold weather, and cases of the flu, bronchitis, colds or angina, and even gastroenteritis are much more important. Here too, good health insurance can be essential to cover your doctor's costs, drugs, X-rays, analyzes, etc….
The practice of winter sports
Winter sports often go hand in hand with skiing. And yet, even if board sports such as skiing and snowboarding remain the most popular, there are other winter sports which are also tending to develop.
If snowbiking and snow mountain biking provide great sensations, the sports that the whole family can practice together remain timeless: Snowshoeing or cross-country skiing to discover nature, and of course ice skating, that the we always appreciate whatever his level.
In order for incidents related to these sports to be dealt with, they must be practiced as a leisure activity. In general, in your insurance contract, it is important to know all the exclusions related to winter sports.
For example with ACS-ami insurance and with Globe Partner contract , board sports are not covered if they are practiced professionally or during official competitions or training organized by a sports federation. Likewise, the practice of these off-piste sports is also not covered. Mountaineering, competitive tobogganing, and aerial sports are also some of the sports that are not supported. Paragliding is therefore a sport that you can only practice at your own risk.
Accident during winter holidays
Winter holidays are always more prone to accidents, hence the importance of leaving well insured. Travel insurance includes guarantees that can be of great help to you in the event of an accident during your winter vacation. Indeed, if for example you break your leg on a patch of ice on your way back to your hotel, the company will do everything to cover all the costs related to this accident.
If you are hospitalized for a long time, your insurance contract may cover the travel expenses of one of your relatives to go to your bedside in the hospital, as well as their accommodation. With our Globe Partner contract for example, this guarantee works from a 6-day hospitalization and covers hotel costs up to 80 € per night (maximum 8 nights), and organizes its return once the hospitalization completed.
In the situation where you are lost in the mountains , know that your travel insurance also provides a "search costs" guarantee, following an event that puts your life at risk. Still for our Globe-Partner contract, the company covers research costs, including in the mountains, up to an amount of € 3,000. If, therefore, you get lost while hiking in the mountains, the costs of finding your location and your escort will be covered by the company.
Finally, if you are injured following a guaranteed accident , and if your state of health requires it, the company will organize your repatriation to the nearest hospital, or to the hospital closest to your home. Depending on the seriousness of the case, repatriation can be carried out under medical supervision by medical plane or regular line, train or ambulance.
Taking out travel insurance for your winter vacation is therefore not an unnecessary expense and can help you in emergency situations. Our Globe Partner contract is perfectly suited to your next winter vacation: very comprehensive and inexpensive, it will allow you to go out into the cold with peace of mind and enjoy your stay!
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