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Guarantees and coverage of Snowcare

All guarantees included in the Snowcare policy

This article provides an overview of the main guarantees included in the Snowcare insurance policy: coverage descriptions, limits, activation requirements and claim procedures. For all binding details, always refer to the official Information Set.

Important note: all guarantees involving reimbursement or indemnity (such as Liability, Legal Protection, Medical Expenses, Rescue Services, and Refunds) can only be activated if ski patrol rescue (or 112/118 emergency services) has intervened. Exceptions: Orthopedic Second Opinion, Medical Repatriation, and Driver at Disposal.

Index
1. Third-party Liability (RC)

What it covers
Covers unintentional damage caused to people or property while practising amateur skiing or snowboarding.

Limits and deductible

  • €250,000 per claim for personal injury — 10% deductible (min. €500)
  • €10,000 per claim for damage to third-party property — 10% deductible (min. €500) 

Attention

2. Legal Protection

What it covers
Covers legal expenses needed to defend or assert your rights following an accident on the slopes.

Limits
 €50,000 per claim and per event 

Attention

3. Emergency Medical Expenses

What it covers
Reimburses medical expenses sustained within 24 hours of injury, at the affiliated medical facilities available in the ski resort where the accident occurred. If no affiliated facility is available in that resort, the Company reimburses the expenses incurred, supported by invoice, up to the coverage limit.

Limits
 €750 per claim and per event 

Attention

  • Valid only if ski patrol rescue intervenes.
  • Affiliated clinics: Full list
4. Orthopedic Second Opinion

What it covers
Provides access to an orthopedic specialist through teleconsultation following an injury.

How to activate this service: Read here.

5. Rescue on Ski Slopes – Italy

What it covers
Reimburses costs for toboggan rescue by ski patrol and any air rescue ordered by ski patrol.

Limits
 €275 (toboggan) — €5,000 (helicopter rescue)

Attention
Call the resort rescue service or 112/118, not 24hassistance. The official rescue report is required.
The guarantee applies only if you hold a valid Skipass and if the ski patrol rescue service — or the SSUEM in case of off-piste accidents — is provided on a chargeable basis. 

6. Rescue on Ski Slopes – Abroad

What it covers
Covers toboggan rescue and/or air rescue provided by local authorities abroad.

Limits
€1,100 (toboggan) — €10,000 (helicopter rescue)

Attention

  • Call local ski patrol or the national emergency number.
  • Rescue documentation is required.
7. Driver at Disposal

What it covers
Provides a professional driver if the insured person is unable to drive after an injury.

Limits

  • The service cost is fully covered. Fuel, tolls, and extra charges remain at the insured’s expense.

How to activate: Read here.

8. Skipass Refund

What it covers
Refunds unused days of the Personal Skipass in case of injury, illness, or quarantine.

Attention

  • Valid only for Personal Skipasses (name/photo/code).
  • Requires ski patrol intervention.
  • Claims must be submitted at dsw.24hassistance.com.
9. Lesson and Equipment Rental Refund

Limits

  • €100 per day — €50 deductible

Attention

  • Valid only with a Personal Skipass.
  • Requires ski patrol intervention.
  • Claim submission: dsw.24hassistance.com
10. Medical Repatriation

What it covers
Organises and pays for medical repatriation to home or to a suitable medical facility.

Limits
€5,000

Attention

  • Valid only for Personal Skipasses.
  • How to activate this service: Read here.
11. Territorial Validity
  • Residents in Italy: coverage valid worldwide.
  • Residents abroad: coverage valid in Italy and neighbouring countries.
12. Main Exclusions
  • Participation in competitive events of any kind, including amateur competitions, and training in preparation for them. The only exception are amateur giant slalom and slalom competitions, non-professional and without cash prizes. 
  • Unauthorized off-piste skiing.
  • Accidents without ski patrol intervention.
  • Use of alcohol or drugs.
  • Exceptional weather events (unless otherwise stated).
13. Which Number Should I Call to Activate a Service?

To request medical repatriation, driver at disposal, or orthopedic second opinion:

  • Call +39 02 20564 441
  • Or contact us via WhatsApp

The Operations Centre is the only unit authorised to organise these services. It is active 7 days a week from 08:00 to 20:00.

For all other guarantees (Liability, Legal Protection, Medical Expenses, Rescue, Refunds), submit your claim directly at dsw.24hassistance.com.

14. Documents and Information Sets