A: Yes, maybe. Many policies for people with ‘pre-existing medical conditions’ can be more restrictive than normal policies. However, MPI Don’t Stop Me NowTM is a travel insurance policy specially for people like you – and it uses ‘normal’ policy wording, so you can travel and ski with your friends, without any additional restrictions.
A: Most insurers either exclude ‘off piste’ skiing or insist that you are accompanied by a guide. At MPI Brokers we recognise the impracticality of this, because one can ski ‘off piste’ unwittingly and in certain circumstances it is possible to ski on a ‘pisted’ run that is designated ‘off piste’. So we do not exclude ‘off piste’ skiing – but, as with all insurance, we expect skiers to behave in a reasonable and sensible manner.
A: First, check whether the Foreign and Commonwealth Office has issued any warnings about travel to that country. MPI Brokers’ policies allow you to travel to countries where there is an FCO warning in place – but exclude any accidents arising from the situation the FCO warned against.
A: An EHIC provides a limited amount of cover for emergency medical treatment in national hospitals overseas. There is no cover for repatriation, or personal liability, and many smaller overseas medical clinics don’t accept it. If skiing, there is also no cover for ‘extras’ such as piste rescue.
A: Yes, the Carte Neige does provide cover for piste rescue, and emergency medical costs, but there is limited repatriation cover and a very low sum insured for medical. Plus no Personal Liability cover. So it should work hand in hand with Ski Insurance.
A: If you booked your flights through a travel company, it’s their responsibility to get you home. If you booked the flights with the airline yourself, your travel insurance may cover the cost of alternative arrangements to get you home. MPI Brokers policies do provide this cover, but many others do not so check the conditions carefully.
A: AMT policies are normally for short trips, and usually only up to 31 days at a time. Family policies usually cover children under 18 (sometimes under 21 and in full-time education). The main reason is that an AMT is a holiday insurance for short trips, whereas those going on a gap year will usually go from anything from 1 to 18 months without returning home and may participate in working, volunteering or more high risk activities. Gap year and backpacker travel insurance takes these activities into consideration.
A: If you choose MPI Wintersports cover, then you are automatically covered to ski and/or snowboard in Snowparks. It is not a condition of our policy to wear a helmet, but of course, you may wish to for safety reasons.
A: As long as you purchase an MPI Wintersports policy, there is cover for piste rescue, including by helicopter if necessary.
A: There is cover for any ski racing where the entry age of the race is under 16 (national, International or local). There is also cover for racing of any entry age as long as it isn’t an international race e.g. world championships, British championships, combined services etc. There is also cover for the Masters Circuit, the Inferno and interclub racing. If the racing is excluded, MPI can usually include this for an additional premium, please call MPI to arrange.
A: With the MPI Main Plan policies, skiing is permitted for 17 days any one trip. You can go on as many trips during the year as you wish. The number of days can also be increased to 31 or 60 days for any one trip.
A: If you are planning to book some high-risk activities prior to your departure and/or they are the reason for going on the trip, then you must inform MPI by phone or e-mail. We can then establish if cover is available. If, whilst overseas, you take part in an activity that wasn’t planned before your trip, then in the majority of cases there is cover – for specific exclusions please see the policy wording.