Insurance

Ski Leader Guide

Insurance for ski trips

If you have booked winter sports insurance through PGL, it is effective from the date we receive your first deposits. Cover is arranged through Fogg Travel Insurance www.foggtravelinsurance.com Tel: 01623 631 331.

Cover can be arranged for non-UK resident groups at a supplement. Please note, there will be no reduction in the tour price if PGL insurance is not required.

The Party Leader is responsible for drawing parents’ attention to the insurance details and ensuring each passenger is covered. You can download the current insurance policy from MyPGL at any time and a copy is provided in your final information pack, 2-3 weeks before travel.

Pre-existing health conditions

All pre-existing medical conditions are covered under the PGL insurance for anyone who is aged 18 years or under. Any member of the group aged 18 or over must declare any preexisting medical conditions to the insurance company as per the insurance document.

Any changes to medical conditions for over 18s before travel will also need to be declared. You can call the Fogg Insurance Referral Helpline on 01623 635958. They will advise if the condition can be covered and if an additional premium needs to be paid.

Substitution and cancellation of party members

All cancellations must be advised to PGL in writing as soon as possible. Please state the party member’s name and the reason for cancellation. Initial and interim deposits are not refundable, however they are transferable if replacements can be found.

If replacements can’t be found, a cancellation charge will be calculated based on the date we receive written advice in our reservations department.

If the cancellation falls within the terms of the insurance, (illness or parental redundancy,) it may be possible to make a claim. If you wish to make a claim for lost monies due to cancellation, your Tour Organiser will issue a statement of cancellation.

Once the statement has been issued, the place can no longer be filled with a replacement. For more information, see our terms and conditions.

Payment of medical expenses in resort

Please ensure that you factor in to your contingency enough funds to cover small medical bills and transport in resort. Bills lower than £500 may need to be settled in resort and claimed back, especially if a private clinic is used.

European Health Insurance Card (EHIC)

You must ensure that each member of your group obtains a European Health Insurance Card (EHIC). The card allows holders to benefit from the reciprocal health arrangements which exist between member states of the European Economic Area (EEA) and Switzerland at public medical facilities. Great difficulty can be experienced if hospital expenses are incurred and an EHIC is not produced.

You can apply online here or alternatively, application forms are available from the Post Office.