Skiing Insurance: Small Print With Big Importance

THE SKIER & SNOWBOARDER MAGAZINE, WINTERdone, I recently treated a woman who injured her
01knee on the slopes. She had followed the advice of
IN the last two articles in this series, we offeredthe medical staff at her resort and underwent an
advice on how to prepare your body for the rigoursoperation. On her return to England, she could barely
of the slopes, to help reduce the likelihood that youmove her leg, and although we have been able to
will injure yourself. Another part of your holidayoffer some relief with intensive physiotherapy, she
preparation should be spending time researching yourcould have a limp for the rest of her life.
travel insurance. Should the worst happen, and youIn order to ensure that your holiday does not end in
do injure yourself, your situation could getdisaster, you should:
dramatically worse if you then find out that your• Take care to read the small print of
insurance does not cover you as comprehensively asyourtravel insurance.
you originally thought.• If you are unlucky enough to injure
It is a little known fact that many insurance policiesyourself, do not be afraid to ask for a second opinion
only cover the cost of medical aid while the individualor request to see the local specialist.
is abroad. This makes it very tempting to have• Ensure that you are fully assessed.
whatever treatment is needed immediately after the• If your insurance does cover you and you
accident, while still abroad. This can be a falseare able to travel with your injury, it is better to
economy and, in some cases, do more harm thanreturn to England for further management.
good. I have see some patients who have taken thisHopefully, if you follow this advice, and maintain your
course of action and have had to surgically correctstamina and strength with the stretches and
injuries. This is because they have been operated onexercises previously featured, you will be fully
too soon after the accident.prepared and ready to tackle even the most difficult
To give you an example of the damage that can beof challenges.