2017-2018 Trip Insurance Information
Skiing involves considerable expense and the inherent risk of injury. We strongly encourage our members
to evaluate their individual need for insurance in the event they have to cancel a trip or become injured
while skiing. Our recent experience has been that these situations arise each ski season.
Numerous companies offer travel insurance. This insurance falls into two general categories. The first is
cancellation insurance, which provides coverage in the event an individual cannot make the trip because of
unforeseen circumstances. While the club will attempt to recover as much of the trip cost as possible for
the individual, there is no guarantee that this will be successful. The second is medical insurance, which
generally provides for payment of expenses associated with treatment, medical evacuation and repatriation.
It is necessary to read the details associated with each insurance package to determine exactly what is
being covered and the amounts and limitations of that coverage.
Medical Insurance for Trips Outside North America
The Pentagon Ski Club Council has decided to include emergency medical & evacuation/repatriation insurance coverage,
for all participants, as part of the basic trip cost, for:
This is being done to deal with the potentially difficult situation where a member is not
able to board the airplane to return with the group. A severe injury requiring hospitalization could result
in one of our members being alone in a foreign hospital after the group has returned home. This is the point
at which having medical insurance that includes evacuation and repatriation becomes invaluable. The insurance
company may provide support to assist the member while hospitalized and assist in arranging the trip home.
This may include a medical escort if that is necessary. Such insurance would also normally provide coverage
for the expense of medical treatment which could be significant.
- Our November-December 2017 non-ski trip to Australia;
- Our January 2018 ski trip to Val d'Isere, France;
- Our March 2018 ski trip to Lech-Zurs, Austria; and
- Our October 2018 China River Cruise & Land Tour.
Note: This is emergency medical coverage only; it is not cancellation coverage and will not provide any relief
if you have to cancel from the trip before it begins, whether for medical or other reasons.
Optional cancellation coverage is available at extra cost directly from our tour operators.
Our trip leaders will, upon request, tell you where to send your check to purchase cancellation insurance.
Trip Insurance for North America Trips
The Council has also decided not to deal directly with insurance for our trips within North America.
This is necessary to avoid potential liability issues arising from possible misrepresentation of
insurance coverage or omissions in processing insurance payments and applications for individuals.
Special Note on Trips to Canada
The prevailing wisdom has been that emergency medical insurance isn't needed for trips within North America,
the thought being that your normal medical insurance provides adequate protection.
However, experience has shown that medical services within Canada typically require you to pay on-the-spot and then seek
reimbursement from your insurance company once you return home. This can be an onerous and time-consuming process, and may
result in your paying substantial out-of-pocket unreimbursed costs.
You may wish to consider the purchase of medical insurance for your trip to Canada. While many plans, including those described below,
offer pre-trip cancellation protection, that coverage may be costly—typically more than $100.
Some plans offer a more affordable option of medical coverage without cancellation protection.
Where to Purchase Trip Cancelation Insurance
Our tour operators offer, as a convenience to trip participants, various types of insurance
coverage. The fact that this coverage is being offered by the tour operators does not
imply that this coverage is endorsed by the club. Our trip leaders will not become involved in arranging
insurance coverage or in processing any potential claims:
- Sportours is our tour operator for this-winter's trips to
Steamboat, Snowbasin & Powder Mountain, Sun Valley, Jackson Hole, Snowbird, and Revelstoke. Effie Rubinstein is our travel agent.
In conjunction with these trips, insurance is available from
Two plans are offered—Classic and Basic. Both provide trip cancellation coverage.
The Classic plan has a Cancel For Any Reason option, termed "Classic Plus".
Be sure to click on the Details link and note the requirement to purchase the insurance
within 21 days of making your initial deposit on the trip in order to waive the pre-existing medical condition exclusion.
The TravelSafe insurance could also be purchased for other trips, e.g., trips taken as individuals or those coordinated
by tour operators other than Sportours.
- Winter Ski and Sport is our tour operator for this-winter's trips to
Vail, Telluride and Taos. Dan Ellis is our travel agent.
In conjunction with these trips, several levels of insurance are available from
Click on the link to see the details.
Option 1—Travel Insurance with Cancellation Protection - is the most commonly selected.
The normal pre-existing condition clauses are waived if you purchase the coverage before making your final trip payment,
although coverage should be purchased earlier in order for coverage to start.
Option 2—An optional Cancel for Any Reason coverage is available for an additional cost,
but pre-existing condition clauses are waived only if this coverage is purchased at the time of making
your initial deposit for the trip.
Option 3—A new option is the Post-Departure Coverage for Interruption, Delay or Medical Expense.
This option does not provide the pre-trip cancellation coverage of Options 1 or 2. It would be for the person that wants to be protected
during the trip but is not overly concerned about pre-trip cancellation risks. This could be especially useful for trips to Canada or Europe
if you want medical coverage without the cost of trip cancellation insurance.
The CSA insurance could also be purchased for other trips, e.g., trips taken as individuals or those coordinated
by tour operators other than Winter Ski and Sport.
- Sports America Tours is our tour operator for this-winter's trips to
Whistler/Blackcomb and Mammoth.
In conjunction with these trips, cancellation insurance is being offered through Travelex.
Click on this link for a brochure
describing the insurance, and on this link for a
detailed Description of Coverage.
Pre-existing medical conditions are eligible for coverage when the insurance is purchased
before or coincident with making your final payment towards the trip.
Note: The Travelex insurance may be purchased without the pre-trip cancellation coverage.
For a very affordable $25 premium you do not get trip cancellation protection, but you receive all other base plan benefits
including $1,000 in trip interruption coverage.
Sara Clemons is our travel agent for the Whistler trip.
To purchase the insurance, download this
and mail it to Sara with your payment.
Sheri Agnew is our travel agent for the Mammoth trip.
To purchase the insurance, download this
and mail it to Sheri with your payment.
The Travelex insurance could also be purchased for other trips, e.g., trips taken as individuals or those coordinated
by tour operators other than Sports America.
To purchase the insurance, download this
and mail it to Sara Clemons with your payment.
Coverage for pre-existing conditions can be particularly tricky. It is best to purchase
insurance at the same time you initially sign up for a trip, not only to have the best chance of
covering pre-existing conditions, but also so that you are covered during the weeks and months prior to
The key thing to remember when dealing with insurance issues is to read the details of the policy. You
should request these from the company providing the insurance.
Alternative Travel Insurance Providers
Members may have existing health insurance that provides coverage for potential problems in the US or
Canada. Companies that sell supplemental travel insurance can be found by doing an Internet search for Travel Insurance.
One site of particular help might be
InsureMyTrip.com. This site provides a comparison of various insurance offerings. Annual travel policies are also
available for people who travel extensively.