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.

g 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.

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:
 
       
                 
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