The guardianship of large groups of schoolchildren when abroad is not without its challenges. Even with every possible precaution taken, events can sometimes conspire against you. For this reason, it’s imperative that comprehensive protection for the students and the school is taken.
The annual school skiing trip is one of the most exciting events in any school calendar year. The trip is also markedly more worrisome than a simple excursion to the local museum. Taking out comprehensive school ski trip travel insurance should be at the very top of every school’s agenda.
Here’s the lowdown on all you need to know when taking out an insurance policy for your annual school skiing trip.
"It’s important to seek a policy with the right amount of cover to ensure that the school isn’t left out of pocket in the event of a claim."
The Options for Schools
The good news is that there is a wealth of tour operators that partner with insurance providers to provide comprehensive cover, tailored for school ski trips abroad. These policies provide schools with peace of mind, allowing students and teachers to fully enjoy the trip.
It’s important to seek a policy with the right amount of cover to ensure that the school isn’t left out of pocket in the event of a claim. This policy should also all the activities you’re planning to take part in.
The Difference Between Adult and Children Policies
Group school ski trip travel insurance policies for under 18s should be no different to adult travel insurance. However, school parties do require a unique policy. Any policy should cover medical treatment up to £10m and lost luggage up to £5,000 – including personal belongings, if cameras or mobile phones are lost.
"Any policy you choose should reflect the activities that your students will be involved in."
The Importance of Medical Cover
As fun and exciting as school skiing trips are, they’re not without potential perils. Having air-tight medical cover as part of your insurance policy is paramount. Any policy you choose should reflect the activities that your students will be involved in. This can include, skiing, snowboarding and hiking to name but a few. Always choose the policy with the highest levels of medical care, this means that in the event of an accident the school won’t be left out of pocket.
With skiing categorised as a potentially dangerous activity, it’s important that your school ski trip travel insurance covers this. Always check with the provider that your policy will cover any accidents. If you don’t, the school will be liable for the cost of treatment, which can be expensive, depending on the nature of the accident.
In addition, any students with pre-existing medical conditions such as asthma or epilepsy must be disclosed to the insurance provider. This covers your school in the event of a bout of illness whilst on the trip. In some cases, you can pay an additional premium to cover specific medical conditions.
It goes without saying that when taking out any insurance policy, you should always read the fine print. This is never more important than when getting school ski trip travel insurance. The fine print will tell you the conditions under which the policy is valid, and will detail your excess, what happens in the event of cancellation, and your medical coverage. Each of which is very important to understand when planning your school ski trip.
When travelling to Europe, each student must have their EHIC card, prior to leaving. This card entitles the student to the state-funded healthcare in the event of an accident.
Winter Sports Travel Insurance
The surge of popularity of winter sports trips of recent years has seen many insurance providers offer dedicated winder sports travel insurance.
Covering skiing, snowboarding and tobogganing, winter sports insurance provides comprehensive cover for teachers and chaperones when escorting children on their school skiing trip. As with school ski trip travel insurance, winter sports travel insurance policies cover you in the event of medical attention being required, loss of luggage, cancellation and even emergency repatriation.
"Don’t be tempted to opt for the cheapest policy."
Finding the Right Policy
When shopping for insurance for your school skiing trip, it’s advised that you weigh-up all the priorities and necessities for the trip before choosing the right coverage for you. Just as the school must ensure the safety of their students when abroad, it also must ensure that the cost of the school trip is within the budget.
Don’t be tempted to opt for the cheapest policy. You may find that the students cover is left wanting, or be stunned by excess you will need to pay in the event of a claim. Which leads us on to…
Always Read the Terms and Conditions
No matter what travel insurance policy you’re considered, you must fully read the terms and conditions. This is the only way that you’ll find out what is or isn’t covered. The core value of any insurance policy is your ability to claim against it.
If you buy a policy that fails to provide the cover you need, you’ll be wasting your money – no matter how cheap it is!
There you have it, the lowdown on school skiing trips travel insurance! By doing your homework, you’re sure to select the best policy to give you peace of mind and enjoy the trip.
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