Posts Tagged ‘winter sports travel insurance’

Do you know how to keep yourself safe in the sun?

Wednesday, June 22nd, 2011
travel in the sun travel insurance

Do you know how to keep yourself safe in the sun during your holiday?

With all the rainy weather we have been having in the UK, you might not have been worrying too much about the sun. However, today was still the first official day of summer and if you have a summer holiday planned, you will likely be packing your sun cream, so it is something that you can ‘t really avoid. Sun, like so many other things that we enjoy (cakes, chips and sleeping to name just a few) is good for us, but in moderation. The problem is, this is often something we forget when we expose our pasty bodies to those 2 weeks in the sun!

So, first of all the good stuff about sun. Sunlight is a source of natural light and energy. It helps our body produce Vitamin D, which is vital for our general health and well being. 

And now the bad stuff. Excessive exposure to the sun’s rays is a health hazard due to the harmful effects of ultraviolet radiation on the skin.  A sun tan is effectively the visible damage to the skin from ultraviolet rays.  The sun emits two types of ultraviolet rays:

UVA -  these penetrate deep into the skin and can trigger allergies and cause premature ageing and wrinkling.

UVB – these affect the upper layers of the skin, triggering the production of melanin which causes tanning.   Excessive exposure to these rays can cause burning, freckling and thickening of the skin.  They can also cause skin cancers.

Ok, so we know all this, when the sun is blazing down in the Mediterranean, but here are some of the times when we are less likely to think about the sun, and why it still matters.

  • UVA and UVB are both present whenever the sun shines and can penetrate through cloud.  So even if you are unlucky enough to have an overcast day or 2 on holiday, the sun can still cause damage. Sun damage can also occur when reflected from sand and water, so remember this if you are on a cruise, even if it is breezy.
  • The sun can cause damage when you are actually in a really cold environment, or even when there is snow. For example, when you are skiing or hiking up a mountain. This is for 2 reasons – the snow reflects the sun, and at high altitude the intensity of the light increases as the sun’s UV rays are more concentrated. For each 300 metre gain in altitude, the sun’s intensity increases by 4%.
  • Being under water can be deceptive – you are still not protected from the sun.  The sun’s rays penetrate water and are effectively magnified, and in shallow waters the rays reflect off a sandy floor.  Snorkelers should always cover up with a tee shirt to prevent burning to their backs.  Scuba divers are generally OK due to their protective clothing and the fact that they are normally too deep for the UV rays to penetrate.

Staying safe in the sun tips

  •   Avoid exposure to the sun when it is at its highest point in the sky and UV levels are at their strongest,  generally between 10am  and 3pm
  • Always use a high factor sun screen.  Apply liberally 30minutes prior to exposure and reapply frequently particularly after swimming and vigorous exercise. Remember the re-application of a given factor does NOT mean that the protection time is doubled
  • Cover up with a wear a wide brimmed hat to protect the head and face, long sleeved shirts and sunglasses.
  • Children are particularly vulnerable to the damaging effects of sunlight.  Babies under 9 months of age should never be exposed to direct sunlight and young children should always have a high SPF waterproof sunscreen applied.
  •  Take time to acclimatise to high temperatures, drink plenty of non-alcoholic liquids and don’t do anything too physically demanding.

Snowboarding or Skiing – what would you choose?

Thursday, January 20th, 2011
 

Winter sports travel insurance

Winter sports holiday planned? Does snowboarding or skiing have the greatest risk of injury?

So who has got a winter sports holiday booked? Are you a skier or  a snowboarder, or do you like to try a bit of both? For either sport, you need to make sure that you have winter sports travel insurance to cover you for any mishap, but an interesting article in the Guardian has pointed out that your risk of accident varies depending on which winter sport you do.

The research, for the National Ski Areas Association in the US, concluded that while snowboarders were between 50% to 70% more likely to get injured, they are also around a third less likely to be killed on the slopes than skiers. Most of the skiing deaths were “due to collisions with fixed objects, where somebody is going at a relatively high speed.

The lower injury count in skiing may be due to advances in safety releasing equipment; in the 1970s broken legs were common because skis would often not come off at the right time. Today, the injury is almost non-existent.

Spencer Claridge, who organises British ski and snowboard championships, explains the difference in fatalities: “If you can walk you can ski, so it’s easy to get out of control and go careering into a tree at a rate of knots. Learning how to go fast on a snowboard takes longer.”

James Stentiford, a pro snowboarder, said the culture of snowboarding was different. “Skiing is all about racing, even if it’s just to see who’s the first back home. Snowboarders are more focused on manoeuvres: jumps and tricks, which are done at a slower pace. Though naturally, it’s easier to get hurt doing them.”

Overall, head injuries have declined by 50% since 1999 which is very good news, and is attributed to the increase in helmets being worn on the slopes.

2011 is likely to be popular for winter sports after the heavy snowfall since November prompted European and North American resorts to open early. So if you have a winter sports holiday booked, or are planning one, enjoy, but make sure you stay safe!!

Three tips for avoiding injury

Snowboarding

• “Impact shorts” look like padded underwear and help snowboarders absorb falls

• Wrist guards can spread impact shocks and help prevent broken bones.

• Modern helmets are light and provide great protection

Skiing

• Correctly setting the ski  release mechanism can prevent bone, ligament and tendon damage in the lower leg.

• Shorter skis can lower the leverage on legs and help prevent tibia and fibia breaks.

• A five-minute warm-up can relax tendons, ligaments and muscles.

Snow, Sport and Ski Accidents

Tuesday, November 30th, 2010

Well, the last few weeks in the media have been full of talk of snow (among Royal weddings, extra bank holidays and the start of the Ashes). And sure enough, today, there has been lots of snow, and everyone is talking about it!

So what do you think of the snow? Do you love it or hate it? Does it make you long for a White Christmas? Or does it make you think of going on a ski holiday?

If it is the latter, it is quite appropriate then that the Foreign and Commonwealth Office have launched their winter sports cover campaign.

As British holidaymakers prepare to head for the slopes this Christmas, the Foreign Office has revealed that almost a third (31%) of people in the UK admit to not taking out travel insurance for their winter sports holidays.

You might think that cutting costs, leaving you a bit of extra cash for Christmas presents, but the problem is if you are injured whilst skiing or snowboarding, you risk huge medical bills if you are not properly insured. A helicopter ambulance and medical repatriation could cost you many times the price of your holiday. You should always get comprehensive travel insurance, and check exactly what is covered in the small print. For example, you may need extra cover if you want to ski off-piste.  

Breaking your leg in the Italian Alps could cost you over £4,000 (including medical fees and repatriation); a spinal injury in France could cost £6,400. But if you’re injured further afield or in a remote location, the cost of medical evacuation and repatriation could be even higher: for example, £23,000 for a spinal fracture in Argentina. Evacuation from the slopes, an operation and an air ambulance home from Austria can easily reach £25,000, while the costs to those suffering an injury in the US and Canada can be even higher.

Yet according to this article, 30% of skiers and snowboarders are likely to make a claim at some point of their lives during their winter sports holidays, with the majority of these being for injuries.

So what do you need to do to reduce the risks?

  • Skiing holidays are expensive but to cut insurance can be a false economy. Make sure that you have comprehensive travel insurance that includes ski cover. Remember standard travel insurance normally excludes winter sports – you will normally need to add it on
  •  Don’t make the mistake of assuming your annual travel insurance policy will automatically cover you – you need to check it includes winter sports cover.
  • Don’t just decide based on price. Check the cover options on the policy and make sure you get the cover you need:

o    Check the number of days that you are covered to ski

o    It is not just about injuries or accidents. You probably also want to check that your policy (like the AllClear one) will cover for loss or damage to equipment and reimbursement for closed pistes if this is something that is important to you

o    If you are planning additional activities like skidooing (snowmobiling) and heliskiing (skiing in areas that can only be accessed by helicopter), ice-lake diving, toboganning, or mountain climbing then check that your policy covers you for this. If you are planning on skiing off-piste, again check your cover

  • If you already have a ski holiday booked, make sure you book your travel insurance before the New Year. This is because from 4 January 2011, IPT will rise from 17.5% to 20%, in line with VAT. This makes sense anyway, because that way you are protected for cancellations as well
  • If you’re travelling to an EU resort, you should obtain a European Health Insurance Card (EHIC). This card entitles you to State-provided healthcare in the country that you are holidaying in. But you still need travel insurance as well – for example the EHIC doesn’t cover you for medical repatriation back to the UK.
  • Older skiers and snowboarders may find it hard to get cover due to their age and might need a specialist insurer like AllClear
  • If you have pre-existing medical conditions, check that you are covered for these too, wherever possible
  • If you think your ski equipment has been stolen, get a police report in order to claim – and keep receipts where appropriate.
  • Make sure you understand your excess levels and can afford them
  • Remember that alcohol and altitude don’t mix! Alcohol can affect you more quickly at high altitudes and seriously limits your awareness of danger and cold. As well as putting yourself and others at risk, if you are involved in an accident whilst under the influence of alcohol your insurance cover may be invalid.

Steve Redgrave and travel mishaps

Wednesday, July 21st, 2010

When we think of Steve Redgrave, Britain’s 5 times Olympic Gold Medalist, we automatically think of rowing. But lately he has been involved in a different physical activity – bike riding.

According to this article, he was part of The Redgrave Crew, an eight-man relay cycle team of ex-rowers, competing in the infamously strenuous RAAM Race, a 3,040-mile dash from California to Maryland. Known as ‘The World’s Toughest Cycle Race’ , it is  a one-stage, start-to-finish, clock-never-stops pelt across America, taking in mountain climbs, sheer descents and rush-hour traffic. Unfortunately, near the end of the race, Steve fell of his bike and crashed. He suffered from with a badly broken cheekbone, three cracked ribs, a double-break in his wrist and a dislocated finger.

His wife, Lady Redgrave, is an osteopathic doctor and she studied the X-rays and CAT scans sent from the USA saying he would need an immediate operation on his cheekbone when he returned home. This involved an incision from the bottom of the right ear and round the hairline, peeling back the face and inserting a titanium plate held in place by screws.

Very glad to hear that Steve is now recovering well, but these kind of incidents do get you thinking about the things that can happen when you are travelling away from home. Ok so not many of us will be competing in a 3000 mile bike race but we do often see our holidays as a chance to try something new and different – whether it is sailing, scuba diving, horse riding, quad biking or just sampling a new and very exotic restaurant. And there is always a risk of the unexpected happening. It might be something like food poisoning from the new restaurant you tried that meant you missed a few days of your break, or your passport being stolen  or something worse. For example, in this article a man had to pay 4500 euros in costs for mountain rescue and transport after a skiing accident. In another article, a 19 year old man from Surrey who had a moped accident in Asia was forced to pay £20,000 for repatriation to the UK. Although he had insurance, he did not read the small print which said he needed a license to ride a motorbike. 

Winter cover travel insurance

If you are go skiing, make sure that you are fully covered!

These stories do shock you and may make you think twice about your holiday activities, but that doesn’t  seem right either– a big part of your holiday is sampling new cultures and trying new things. So what else can you do? Well really it is just making sure that you are as prepared as possible before you go. In both the incidents above, there was not adequate travel insurance to cover the activity. So, although it is something we always hear, you should make sure you read the small print of your insurance policy and check that it covers you. Also, make sure that you have a valid European Health Insurance card (EHIC) if you are travelling in Europe, in case you need medical care. What is more, the Foreign and Commonwealth Office recommend reading up the local laws of the place you are visiting before you go, so that you know what to expect and can help prevent possible incidents. This sounds like a good idea to me too!

Hope that this info helps you as you go about your travels this summer. Please add any other tips that you think may help out fellow travellers.