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Ski Insurance

Policy Number: 02-9815701

Insurance coverages:

1. - MEDICAL AND HEALTH CARE

ARAG shall cover the expenses associated with the intervention of professionals and health facilities required for the Insured's care, being this sick or injured.

The following services included:

a) Emergency doctors and Specialits care.
b) Complementary Medical Examinations.
c) Hospitalizations, Treatments and Surgeries.
d) Supply of medicines in hospitalization, or refund the cost in injuries or diseases that do not require hospitalization.
e) Treatment of acute dental problems as a result solely of trauma, requiring urgent treatment.

ARAG takes charge of expenditures on these benefits, up to a limit of € 3,005.06 per Insured or the equivalent in the local currency when they take place abroad, 3,000 € when they take place in the Principality of Andorra, or € 1,000 in Spain.

Dental costs are limited, in any case, to € 60.10 or the equivalent in local currency.

2. - SLED OR AMBULANCE EXPENSES

If as a result of an accident of the Insured in the ski runs he/she incurs expenses like rescue sled or ambulance transport within the the ski resort (not off-slopes), ARAG will take care of them.

3. - REPATRIATION OR TRANSPORT OF INJURED OR SICK.

In case of accident or illness occurring to the Insured, ARAG shall cover:

a) The cost of ambulance transportation to the nearest clinic or hospital.

b) Examination by its Medical Equipment. Contact with the doctor treating the wounded or sick Insured to determine the appropriate measures and the more suitable treatment options, as well as the best mean to his/her transfer to a more appropriate hospital (if needed) or to his/her home.

c) The cost of transporting the injured or sick, by the most appropriate means of transport, to the prescribed hospital or his/her home.

The means of transport used in each case will be decided by the medical team of ARAG depending on the urgency and seriousness of the case. In Europe and countries bordering the Mediterranean, it might even be used a specially equipped air ambulance.

If the insured is admitted to a hospital not near his home, ARAG shall pay, at the time, the subsequent transfer to his/her home.

In the event that the Insured is not an habitually resident in Spain, he/she shall be repatriated to the place of the trip departure in Spain.

4. - TRANSPORT OF A RELIATIVE IN THE EVENT OF HOSPITALIZATION.

If the state of the sick or injured Insured requires hospitalization for a period exceeding five days, ARAG will provide a relative of the insured, or his designee, a round trip ticket, plane or train, in order to accompany him/her.

If hospitalization occurs abroad, ARAG will cover, in respect of stay expenditures and upon submission of invoices, up to 72 € per day, and for a maximum period of 10 days.

5. - CONVALESCENSE IN THE HOTEL

If the sick or injured Insured is not able not return home due to medical prescription, ARAG shall cover the hotel expenses caused by the extension of the stay, up to 72 € per day and for a maximum period of 10 days.

6. - REPATRIATION OR TRANSPORTATION OF THE DECEASED INSURED.

In case of death of an Insured, ARAG shall organize the transportation of the body to the place of burial in Spain and will take care of the expenses of such transportation. Expenses shall include postmortem conditioning, according to legal requirements.

This service shall not include burial nor ceremony costs.

In the event that the Insured is not habitually resident in Spain, he/she shall be repatriated to the place of the trip depart in Spain.

7. - EARLY RETURN

If any of the Insureds must interrupt their trip due to the death of a spouse, degree first ancestor or descendant, or brother, ARAG shall pay for transportation, round trip, by plane or train, from the place where he/she is to the place where the burial takes place in Spain.

The Insured may also opt for two airline or train tickets, to his habitual residence.

8. - REFUND OF UNUSED SKI PASS

If while skiing the Insured suffers injuries entailing repatriation, transferal, or the use of a curtailment, ARAG will reimburse him/her the amount of the ski pass that could not be used up to a maximum of € 180.30.

9. - REFUND OF THE COST FOR UNREALIZED SKI LESSONS

If while skiing the Insured suffers injuries entailing repatriation, transferal or the use of curtailment, ARAG will reimburse the insured the amount of ski lessons that could not be performed up to a maximum of € 180.30.

10. - EMERGENCY MESSAGES

ARAG will transmit urgent messages issued by the insured as a result of claims covered by these warranties.

11. - CRIMINAL LIABILITY DEFENSE ABROAD

ARAG guarantees the defense of the Insured criminal liability, in proceedings before foreign courts in the area of his/her private life and due to the travel or the transferal carried out by the insurance.

This insurance does not cover any incident voluntarily caused by the insured or those where willful misconduct or gross negligence are proved and stated in a final court judgment.

The maximum coverture for Expenditures and Bonds is € 3,005.06

12. - LEGAL INFORMATION ABROAD

In the event that the insured had a legal problem with another person, related to an accident in his private life, ARAG will put you in touch with a lawyer, if any in the town, to arrange an interview with the insured, and in charge of the latter.

This service is provided only in countries that maintain diplomatic relations with Spain, except in cases of force majeure or in the case of an event beyond the control of the Insurer. The Insurer shall not be liable for the results obtained during the legal consultation.

13. - DAMAGE CLAIM ABROAD

ARAG guarantees the claim for damages that the Insured may suffer abroad as a pedestrian, driver of not motorized land vehicles, occupant of vehicles and boats of particular use, and passenger of any means of transport.

This warranty does not include damage claim arising out of a breach of a specific contract between the insured and the responsible for it.

In case of death of the insured, the claim may be issed by their relatives, heirs or beneficiaries.

The maximum expenditure coverage is € 3,005.06

14. - PURCHASE CONTRACT CLAIM ABROAD

ARAG guarantees the claim for breach of sales contract abroad related to property, in which the insured is a party.

For the purposes of this warranty, it is considered to be exclusively movable assets only decorative objects, household appliances, food and personal outfit, as long as they belong to the Insured and for his/her personal use.

Excluded from coverage: antiques, stamp or numismatic collections, jewelry or art pieces do not exceeding € 3,005.06

The maximum expenditure coverage is € 3,005.06

15. - SERVICE CONTRACT CLAIM ABROAD

ARAG guarantees the claim for breach of the following services contract that occur abroad:
- Medical and hospital services.
- Travel services, tourism and hospitality.
- Cleaning services, laundry and dry cleaning.
- Official Services appliance repair, expressly approved by the manufacturer.

It only covers service contracts affecting the private life of the insured, in which he/she is the holder and end user.

The maximum expenditure coverage is € 3,005.06

IMPORTANT: In case of accident call ARAG SA. 93 300 10 50 from Spain.
The (00 34) 93 300 10 50 from abroad and say the following policy number 02-9815701 or communicate this information to the infirmary of the ski resort.

NOTICE: Please read the entire policy. Click here to download document.