Ski courses
A school ski trip or ski course is paid for in the autumn and takes place in winter, in the season of flu and injuries. If your child can’t go because of illness or injury, cancellation insurance reimburses the cancellation fee after deducting the 10% excess, or in full if they’re hospitalised. It costs 9% of the course price, and you take it out as the parent.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 576If you cancel, back up to
CZK 5,760We reimburse cancellation fees after deducting the 10% excess, or in full if the insured person is hospitalised or dies. The premium is 9% of the price, min. CZK 26.
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What you can insure
A week-long school ski trip in the Krkonoše mountains for CZK 6,400, cancelled three days before departure
The school only refunds a quarter of the price — it has already paid the rest for accommodation, transport and instructors. Illustrative calculation.
Typical situations
The ski trip leaves on Sunday, and on Wednesday the fever arrives. The doctor won’t let your child go to the mountains, and the school only refunds what it hasn’t paid out yet.
A cast a week before departure means the end of the ski trip. The insurance covers injuries during ordinary sport.
A public health officer orders your child into quarantine a few days before departure. Mandatory quarantine ordered within 2 weeks before departure is a covered reason.
Someone in your close family falls seriously ill or dies, and your child stays at home with you. The insurance covers that too.
What the insurance covers
You fall ill or get injured so that you can’t go.
Family, a business partner, or the person you’re travelling with or staying with.
You have to look after someone close who isn’t travelling with you.
A pregnancy confirmed after the insurance was taken out, where the doctor advises against travelling.
Your dog or cat dies.
A witness summons, adoption or divorce proceedings during the trip.
You’re dismissed when you didn’t expect it.
A resit exam during the trip or shortly after it.
The car you were going to travel in can’t be driven after an accident.
Your documents are stolen in the last week before departure.
You or a family member become the victim of a crime.
A burglary, robbery or major natural damage where you live.
A public health officer orders you into quarantine just before departure.
A fire, flood or windstorm where you’re going.
Keep in mind
The insurance doesn’t cover injuries during races and competitions or during professional sport. Training and recreational sport aren’t affected by this exclusion.
The insurance is taken out by an adult parent or legal guardian, and the child is the insured person. It’s always taken out for the specific ski trip you’ve paid for.
The insurance only covers events that occur after it’s taken out. If you take it out on a day when your child already has a temperature, the insurer won’t pay.
Some schools and clubs can pass the place on to another child. Then the cancellation fee is dropped or reduced — ask before you confirm the cancellation.
Stories
Vojta, 12, and his parents · A school ski course in the Alps
Vojta had been looking forward to the ski trip all winter. Five days before departure, he fell on the stairs during break and ended up in a cast. The school refunded only 30% of the price; the rest had already been paid to the coach company and the accommodation.
The example scenarios are illustrative — we made up the names, stories and amounts to show how the insurance works. The actual payout is always decided by the insurer based on the policy terms and the documents provided.
Questions
As soon as you pay, while your child is healthy — the insurance only covers events that occur after it’s taken out. If there are more than 30 days until departure, you can take it out at any time; later, only together with the payment. Illness and injury are covered if they arise no more than 180 days before departure.
What the insurance costs →Yes. An injury during ordinary sport — in PE, on skates or at training — is a covered reason for cancellation. The exclusion applies to injuries during races and competitions, during professional sport and on expeditions.
Yes. You insure a cottage, apartment or mountain holiday in the same way, and cancellation because of illness or injury of anyone in the insured family is covered too.
Holiday cancellation insurance in the Czech Republic →The insurance policy number, the application form or proof of payment, the school’s or organiser’s confirmation of the cancellation stating the cancellation fee, and a medical report with the diagnosis and length of treatment.
How to report a claim →We reimburse the cancellation fees — the deposit paid in advance or the price the seller didn’t refund under its terms — after deducting the 10% excess. If you get nothing back for a CZK 2,000 ticket, you’ll receive CZK 1,800. If you cancel because the insured person is hospitalised or dies, no excess applies. Cancellation fees don’t include the premium, airport taxes or fees that can be recovered.
If there are more than 30 days until the trip starts, you can take out the insurance at any time. If you buy the trip 30 days or less before it starts, the insurance must be taken out at the same time as you pay for the trip. In all cases, it only covers events that occur after it is taken out.
Rules and examples with dates →Among other things: a change of plans (you don’t want to go, you’re afraid, you don’t get time off work), health problems that existed before the insurance was taken out (except a stabilised chronic illness), events under the influence of alcohol or drugs, injuries during races and competitions, or a trip being cancelled by the carrier or organiser — in that case they refund you.
All exclusions →Tell us what you’re insuring, how much it cost and when it starts. We’ll email you a quote quickly.