Originally Posted by mrtee
Thanks. Great info. Did the insurance also cover ski patrol costs? I heard that if you get hurt oon the mountain the will charge you for the rescue
It would appear to. The policy is 20 pages long, but basically that is part of transporting you to the hospital. There is also the ability to pay for "Sports coverage" in case you are planning on skiing in areas outside the norm (extreme skiing).
"Emergency Evacuation means Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained. Transportation means any land, sea or air conveyance required to transport You during an Emergency Evacuation. Transportation includes, but is not limited to, Common Carrier, air ambulances, land ambulances and private motor vehicles."
Here's what I got. Now, it must be said that I made FEW reservations with deposits. I like to travel without an itinerary, so the insured value of the trip was my airline tickets and the two hotels I booked at either end of the trip. So, the affected the level of the "comprehensive" and therefore the price. Sorry it's not so legible.
WORLDWIDE TRIP PROTECTOR GOLD
T-8010 (04/29/2010-Rev. 1e)
DESCRIPTION OF COVERAGE
Underwritten by Arch Insurance Company
Individual Short Term Travel policy Insurance for residents of CO, GA, KS, LA, OH, OR, SD, TX, UT, VT, WY
Notice to residents of IN, NH & WA; This is not Your Description of Coverage. To obtain Your state-specific insurance policy, call 800-243-3174.
Notice to Residents of AK, AL, AR, GA, IL, KS, LA, ME, MO, MS, NC, ND, NE, NJ, NV, NY, OK, OR, SD, TN, TX, VA, VT, WI, WV or WY: Your policy consists of this Description of Coverage, Your Confirmation of Benefits and the enclosed State Exceptions. If You do not receive one of these documents, please call 800-243-3174.
SCHEDULE OF COVERAGE AND SERVICES
Listing of Benefits Maximum Limit
Part A- Travel Protection
Trip Cancellation* Trip Cost**
Trip Interruption 150% of Trip Cost**
($1,000 Return Air Only if $0 displayed for Trip Cancellation on Your Confirmation of Benefits.)
Missed Connection/Itinerary Change (3 hours) $750
Trip Delay (6 hours) $1,500 ($200/day)
Pet Care $300 ($50/day)
*Not applicable when $0 Trip Cost displayed on Your Confirmation of Benefits.
**Up to the lesser of the Trip Cost paid or the limit of Coverage on Your Confirmation of Benefits
Part B- Medical Protection
Emergency Accident and Sickness
Medical Expense $50,000 ($50 deductible)
Medically Necessary Repatriation/
Repatriation of Remains $1,000,000
Part C- Baggage Protection
Baggage/Personal Effects $2,500
Per Article Limit $250
Combined Articles Limit $500
Baggage Delay (12 hours) $500
Part D- Travel Accident Protection
Accidental Death & Dismemberment $25,000
Accidental Death & Dismemberment $100,000
Common Carrier (Air Only)
Part E- Renters Collision Insurance
Renters Collision Insurance $50,000
Worldwide Assistance Services
Medical Assistance Included
ID Theft Assistance Included
24-Hour Concierge Service Included
Political Evacuation Included
Business Concierge Services Included
Applicable only when specifically requested on the application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits.
Accidental Death & Dismemberment Up to Limit
Common Carrier (Air Only) Purchased.
Cancel for Any Reason* Up to 75% of non-
refundable Trip Cost**
Cancel for Work Reasons* Up to Trip Cost**
Sports Coverage $1,000
Deductible is waived
Additional Medical Expense $50,000
(For a total of $100,000)
Additional Accidental Death and
(For a total of $50,000)