How to Prepare a Ski Trip with the Right Insurance

Winter is in full swing, and its beauty draws many winter sports enthusiasts into new adventures. But how to safely enjoy the adrenaline that comes with skiing, and why insurance is an essential part of the preparation, will be explored in the following lines.

The Magic of Winter and a Safe Adventure

Snow-covered slopes, breathtaking beauty, a sense of vastness—these are just a few of the things that entice every lover of winter magic to embark on yet another adventure. Fortunately, our homeland has been blessed with magnificent mountains and a developing winter tourism industry. But whether we choose to practice winter sports at home or abroad, dangers lurk everywhere.

According to recent studies, more than 25% of winter injuries occur among amateur skiers and snowboarders. The adrenaline rush we get from descending mountain slopes often clouds our sense of safety, and one wrong move can lead to a fall or a collision.

That is why, in addition to good physical preparation, we need to be well informed and protected with the right insurance.

Before You Go: Essential Preparation for a Ski Trip

Unlike spontaneous summer trips, winter travel requires serious preparation.

During the winter season, the Bulgarian resorts that attract the greatest interest from tourists are Bansko, Pamporovo, and Borovets. In addition to ski slopes and good winter conditions, our resorts also offer numerous spa centers that provide excellent opportunities for relaxation.

Abroad, winter sports enthusiasts most often choose Austria, Italy, France, and Switzerland.

Here are the main things you should prepare when organizing your winter vacation:

• Get informed about the weather conditions and infrastructure in the country and location where you will be staying;
• If you are traveling by car, prepare your vehicle for winter conditions and check that all documents are valid and in order;
• If you are traveling by plane, check the status of the airline, as many of them have recently been affected by strikes;
• If you are traveling with a tour operator, verify its status, licenses, and insurance coverage;
• Prepare clothing and footwear that are appropriate for the season;
• Whether traveling domestically or abroad by car, make sure you have enough water and food;
• If you practice winter sports, obtain proper equipment. Do not underestimate any part of it, as it may save your life;
• And last but not least, take out appropriate travel insurance.

Why Insurance Is an Essential Part of the Preparation

In Bulgaria, the insurance market offers a wide range of products designed to meet customers’ needs. For example, Euroins has developed two products for travelers—one for trips within Bulgaria and one for travel abroad—which are ideal options regardless of where you plan to spend your winter holiday.

Did you know that an experienced skier or snowboarder can reach speeds of over 50 km/h? Even though proper equipment provides a certain level of protection, the risk of injury should not be underestimated. An interesting fact is that snowboarders most commonly suffer injuries to the upper limbs, while skiers are more prone to injuries to the lower limbs. Regardless of which part of the body is affected, such incidents lead to serious consequences—both health-related and financial.

In the event of an accident in Bulgaria, rescue and transportation by the Mountain Rescue Service alone can cost around 300 euros. Meanwhile, an insurance policy costing about 20 euros per year could save you not only this expense, but also subsequent costs for medical examinations and treatment.

The most common risks associated with winter sports include:

• Injuries and accidents (falls, collisions, sprains, fractures);
• Avalanches, adverse weather conditions, canceled flights, or lost luggage.

What a Good Ski Insurance Policy Should Cover

A good ski insurance policy should include at least the following elements:

• Medical expenses for treatment and rescue operations;
• Medical repatriation and transportation;
• Coverage for damages caused to third parties;
• For travel abroad – coverage for theft or loss of luggage, flight delays, or missed connecting flights.

 What a Standard Policy Does Not Cover

• Freeride, heli-skiing, and other extreme sports;
• Incidents involving alcohol consumption or failure to follow resort rules;
• Participation in competitions or professional events.

How to Choose the Right Ski Insurance from Euroins

Euroins has developed travel insurance policies designed to meet the needs of every customer.

Tourism in Bulgaria is an insurance policy that, as its name suggests, applies within the territory of Bulgaria. The policy provides:

• Protection in the event of an accident or illness during tourism or while practicing winter sports in Bulgaria;
• A wide scope of coverage;
• The option to include additional risks, allowing you to feel even safer and more protected.
• Euroins has a contract with the Mountain Rescue Service. If their services are required, the insurer directly reimburses the costs incurred for search and rescue operations.

Travel Assistance Abroad-Traveler is one of the most popular insurance policies throughout the year. We are all aware that even though, as a member of the European Union, we are entitled to a European Health Insurance Card, it is by no means sufficient to cover expenses in the event of an accident. This insurance provides:

• Worldwide coverage;
• 24/7 assistance in Bulgarian;
• Coverage of medical expenses in the event of an accident or illness, including while practicing winter sports;
• Extended coverage that includes loss or theft of documents and luggage, flight delays, and many other risks.

What both insurance policies have in common:

• They can be taken out for a single day or for a full year, depending on the duration of your vacation or stay abroad;
• You can choose the liability limits yourself;
• You can decide whether and which additional risks to include in the policy;
• With just a few clicks, you can take out the policy entirely online at: www.euroins.bg.

Ski with Peace of Mind, Because You Are Protected

With the right insurance, you can fully enjoy every winter adventure without worry. Our recommendations are to practice winter sports responsibly, follow the rules on the slopes, ski only in designated areas, and take care of yourself and others. For everything else, you have a reliable ally in the form of travel insurance. Visit Euroins.bg and choose the policy that best suits your needs.