- Q. How do I find out if my sport is covered?
A. Dogtag provides sports travel insurance for a comprehensive list of the sports so click here: Sports List to check whether your sport is covered.
- Q. Do you provide Winter Sports Insurance?
A. Winter sports cover is an optional add-on to SINGLE TRIP policies and must be selected at the time of purchase. Please note that on purchasing our ANNUAL Multi-Trip Travel Insurance policy, if you select 17 (or 24 or 31) days Winter Sports cover it will provide you with that maximum number of days winter sports cover during the term of the policy (not an unlimited number of winter sports trips of 17 (or 24 or 31) days durations).
- Q. Does Dogtag offer ‘Extreme Sports Travel Insurance’ and what’s the definition of extreme sports?
A. Dogtag does cover a whole range of ‘extreme sports’. There is no specific definition of ‘extreme sports’. Each sport is rated as either Sport, Sport+ or Extreme according to its own merits. Sports and activities falling into Sport+ and Extreme categories command an additional premium. Certain extreme sports are considered so high-risk that we specifically exclude them from cover. To check which category you sport falls under, click Sports List. If you do not see your sport listed you should contact our Customer Services team.
- Q. Does Dogtag offer ‘Extreme Sports Travel Insurance’ and what’s the definition of extreme sports?
A. Dogtag does cover a whole range of ‘extreme sports’. There is no specific definition of ‘extreme sports’. Each sport is rated as either Sport, Sport+ or Extreme according to its own merits. Sports and activities falling into Sport+ and Extreme categories command an additional premium. Certain extreme sports are considered so high-risk that we specifically exclude them from cover. To check which category you sport falls under, click Sports List. If you do not see your sport listed you should contact our Customer Services team.
- Q. What about cover for Adventure Sports Travel Insurance and other adventurous activities?
A. We can arrange travel cover for most sports and activities without additional premium and these would fall into our ‘Sports’ category. However, as with ‘Extreme Sports’ above, the more high risk the activity, the more likely that there will be an increased premium or that we will not offer any cover for that sport or activity. If you are unsure, you must contact our Customer Services Team to clarify either by email or by phone.
- Q. Do you provide Scuba Diving Insurance and what does it cover?
A. Dogtag does provide scuba diving insurance. The limitations applied to scuba diving under our Sport level of cover generally require a maximum dive depth of 30 metres and either members of the insured party diving must hold a certificate of proficiency such as PADI or you must be diving with a qualified instructor - but please check your policy wording. Dogtag also provides Scuba Diving cover to 50 metres under ‘Extreme’ cover levels for an additional premium.
- Q. Do you cover Off Piste Skiing and what is the definition of Off Piste?
A. Off-piste is defined as venturing over ungroomed and unmarked slopes but within the ski area or resort boundary, i.e the area covered by ski patrollers or managed by the resort. Most resorts designate off-piste areas and mark them as itineries on the piste map. If you are uncertain about a particular area, do not go there.
Some people understand off piste (or backcountry) skiing or boarding to mean ‘going out of bounds’, i.e. outside the resort. If you are going out of bounds or outside marked areas of the resort, you are advised only to do so with a fully qualified local guide. Even some areas within a resort may be considered out of bounds because they are hazardous. In some parts of North America, going out of bounds contravenes local law and you may face arrest.
It is your responsibility to ensure that on any particular day you are aware of and obey local advice, information and instructions given by the resort authorities and that you obey any signs and information you encounter on the mountain. If a section is marked 'closed' there will be a very good reason for it (e.g. high avalanche danger) and ignoring such signs or advice will invalidate your cover. You should be aware that under the terms of cover, needless self-exposure to peril except in an endeavour to save human life will invalidate your cover.
- Q. Are Heli-Skiing Heli-boarding covered under “Off-Piste”?
A. Heli-skiing and heli-boarding are considered higher risk than normal off-piste skiing and boarding as defined above and consequently do not fall within the standard definition of off-piste. Accordingly, if you plan to go heliskiing or heli-boarding or suspect that you might be tempted to try it while on holiday then you will need the higher level of cover. Check our Sports List now to see which level of cover you’ll need for your particular style of winter sports.
- Q. Are Ski Touring and Ski Mountaineering covered under “Off-Piste”?
A. With both ski touring and ski mountaineering a skier generally choses to go out into the wildreness areas of the mountain well beyond the confines of the resort boundaries where snow conditions are controlled and where the erea is patrolled. As such these activities incur greater risk such as from exposure to bad weather, injury or avalanche. Search and rescue in the wilderness is also a much more difficult and elongated procedure. If you intend to go ski mountaineering or ski touring you will need the highest level of sports cover: Dogtag Extreme. Check our Sports List now to see which level of cover you’ll need for your particular style of winter sports.
- Q. Will I automatically get Helicopter Rescue?
A. Ski patrollers are generally very well trained and experienced at assessing injuries and managing the evacuation of the injured person off the mountain and to hospital in the manner most appropriate to the injured person's condition. They decide what is appropriate for the circumstances regardless of who insures you. Serious cases often involve helicopters but, more often, a combination of sled and ski lift is more immediate and appropriate. Other factors such as weather are also taken into account. Again, it is not uncommon to be asked for proof of insurance whilst on the mountain.
- Q. What is meant by 'taking reasonable care'?
A. With any insurance, the policyholder should always act as though he has no insurance at all and take all measures to protect their property and themselves. You not knowingly put yourself in harms way and you should be aware that under the terms of cover, needless self-exposure to peril except in an endeavor to save human life may invalidate your cover.