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South American and European travel insurance

If you are leaving the UK on a skiing holiday in South America, one of the first things that you will want to do is take out a protection policy that will cover you in case of a medical emergency. Skiing is a lot of fun, but it also a high risk activity, the risk of which should not be underestimated. Nearly anyone who skis on a regular basis has at least had a brush or near-miss when it comes to serious accidents or injuries. This is simply a reality associated with the sport. So with that in mind, it would be decidedly foolish to take on a skiing or snowboarding trip in South America without strapping on full coverage. Once your protective policy is in place, you can take to the slopes in the Andes without the excess baggage or worry and anxiety. Where you might have been fretful, you will now only experience the exhilaration that comes with knowing you can enjoy the thrills of this high-octane sport without being ruined by any pitfalls or unexpected turns of events. In fact, it could be argued that it's next to impossible to even enjoy a ski holiday if youare not protected by the proper accident and injury policy.

No one wants to plan on being injured, but it is still important to have a contingency in place when you are on holiday. That's why it is important to get started as early as possible planning you outing to the Andean slopes in South America. After you have booked your actual transport and accommodation, you will want to set about looking for the most competitive deals from holiday insurers. Be sure to go with a company that covers higher risk sports like skiing or snowboarding. The last thing you want to do is pay the premium on a new policy only to find out that coverage does not extend to the activities that you plan on enjoying. However, there are many competitive European travel insurance deals that cover ski holidays, since skiing is such a popular pastime here in the Alps. When researching policies online, be sure to double check whether coverage is only available in Europe or whether it extends to worldwide destinations. Coverage for a skiing holiday in Switzerland may cost less than it would for another in South America, simply because the Eurozone Health Insurers Card (EHIC) can keep medical costs lower in Switzerland.

While the EHIC will not do you any good in South America, you will still have other factors in your favour. Argentina and Chile are both popular medical tourism destinations - especially for travellers from North America. If you are visiting here from Europe, you may find that the healthcare coverage afforded by a third-party carrier offers highly competitive services due to the affordability of healthcare in these countries. While no one would wish injury upon themselves, suffering an accident in Argentina or Chile will probably find you receiving a more premium level of care than you would in Switzerland or France. In the latter countries, you would receive your care in public run hospitals that are funded by taxes. In South America, on the other hand, you will most likely be taken care of in private hospitals that cater specifically to foreigners and offer more premium services. This sort of service is likely to be more affordable than it would be in the UK or in many EU and EEA nations. With that in mind, you will have no problem affording it so long as you are covered by a comprehensive traveller's policy while you are on the slopes in South America.

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