As soon as that first flake of snow hits the ground, many people across the United States take their skis out of storage and just wait for the announcement that their favorite hills have opened their runs, but there are some additional considerations that these enthusiasts should make aside from the condition of their ski equipment.
Even if you already have health insurance, you may still find it worthwhile to consider additional accident insurance as it will help to cover some of the expenses that standard coverage will not; for example, your deductible.
Every year, thousands of skiers hit the slopes without giving a second thought to this type of additional coverage, also referred to as supplemental health insurance. However, those who have had the misfortune of injuring themselves know that the added financial protection is an essential part of the sport. Otherwise, a broken leg can cause you to break the bank, too.
It is recommended that you carefully check your current health insurance policy and any additional insurance protection that you may have in order to find out specifically what they cover. Some winter sports, such as snowboarding and skiing, are often excluded from coverage as they are considered to be “dangerous”.
Without that coverage, you will be faced with a significant amount of expense for your medical care, as well as any follow up treatments and therapies, as well as bill payments such as rent or mortgage or utilities, that you will face without an income if you have to take time off work as a result of your injury. Even the ambulance ride from the slopes to the local hospital can run up a significant bill.
No matter how strong a skier you may be, think about giving yourself the peace of mind of knowing that if anything should happen to you, your finances will be safe.