Winter weather doesn’t only mean multiple feet of snow and flight cancellations, like Winter Storm Jonas. Many travelers get excited at the fresh snowfall, ready to take their next ski vacation. Every time you travel, it is a good idea to get a MH Ross travel protection plan, but skiing only increases the wisdom behind this decision.
Medical Evacuation Can Be Expensive
It is uncommon for standard health insurance plans to include coverage for medical evacuation. If an accident on the slopes involves a helicopter airlift to a hospital, this could be multiple thousands of dollars that you could be responsible for. MH Ross plans include $500,000 of emergency medical evacuation, to protect you from facing this financial strain yourself.
Out Of State Medical Coverage
This may not be an issue for every traveler, so it is important to understand if and how your health insurance coverage works during your trip. For many, once you leave your home state, there can be significant changes to coverage. MH Ross travel insurance plans offer between $50,000 and $250,000 per person of emergency medical coverage. This can help fill in the gaps in your health insurance, even if they don’t cover you at all during the trip.
Don’t make the mistake of only considering this in case of an injury on the slopes. Many travelers experience altitude sickness, which can ruin any vacation. MH Ross plans also offer trip interruption coverage if a medical emergency causes the trip to end early.
Snow Is Good For Slopes, Bad For Flights
Yes, you went fresh powder on the slopes, but maybe not so much until you arrive at the mountain. Winter travel always includes the risk of flight delays or cancellations due to winter weather. Here is a brief summary of how MH Ross plans can help:
Trip Delay – Additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected. Please refer to your policy documents for complete details.
Missed Connection – All MH Ross plans also include the missed connection benefit if your flight is delayed for 3 hours or more. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.
Trip Interruption – MH Ross plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to a winter storm and you must leave or return later than originally scheduled. On MH Ross plans, covered reasons to interrupt the trip include: 12 hour or more flight delay due to weather; and home, work, or accommodations at your destination made uninhabitable. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan certificate or call MH Ross.
Trip Cancellation – Should your flight be delayed or canceled due to winter weather, MH Ross plans can cover cancellation penalties if you are not able to travel for 12 hours or more. MH Ross plans can also cover you if your destination is officially declared uninhabitable due to the storm, or if your home or work place is made uninhabitable. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan. Please read your policy certificate for specific information.
Protect Expensive Ski Equipment!
Travelers planning to bring their own equipment to the mountain may end up at the mercy of airlines, which have been known to be bothered a bevy of baggage blunders. MH Ross plans already include coverage for baggage loss and baggage delay, but the benefit levels are somewhat limited for expensive sports equipment. Skiers may consider the Sports Pac upgrade, which adds $1000 per person of coverage for: rental equipment if yours is delayed by the airline; as well as unused and non-refundable lift tickets, equipment rentals and lessons if your trip is cancelled or interrupted due to a covered reason.
Not Enough Snow? Too Few Trails Open? Cancel For Any Reason!
There are many winter weather related reasons a trip can be cancelled under Trip Cancellation coverage, however, lack of snow on the slopes isn’t one of them. Skiers concerned about this should consider a plan with Cancel For Any Reason coverage. This allows travelers to decide for themselves whether to travel or cancel their trip, regardless of the reason why, and receive 75% of their pre-paid and non-refundable trip costs. Please be aware that to qualify for Cancel For any Reason coverage, the plan must be purchased within 15 days of the initial trip deposit date and the latest opportunity to use the Cancel For Any Reason benefit is 2 days prior to the trip departure. Please refer to the plan documents for full details.
Stay In Bounds
Most ski vacations will include accommodations and lift tickets to pre-marked slopes. Staying in bounds on the slopes means you will continue to be covered throughout your trip. Please note, MH Ross plans do not cover heli-skiing (dropping from a helicopter to the mountain) or off-piste skiing (skiing out of bounds). MH Ross plans are designed to cover your alpine skiing trip, which is skiing on trails and areas monitored by a ski patrol and under 15,000ft elevation.
Please contact MH Ross with questions about your next ski trip. Agents are available 24/7 and ready to help!