All citizens or permanent residents of the United States, including individuals holding valid temporary work visas, who are registered ski, snowboard or snow tube participants of Mount Southington Ski Area's voluntary season pass program for whom seasonal premium has been paid.
Skiing and Snowboarding within the bounds of Mount Southington Ski Area.
A sudden unforeseeable event, independent of disease, sickness and mental of bodily infirmity, that results in a covered injury or covered loss and occurs while you are insured under the policy while participating in covered activities.
Must be incurred within 30 days from the date of the accident.
Benefits paid up to 52 weeks from the date of the accident.
Spot must be notified within 60 days after a loss occurs or begins, or as soon as reasonably possible. Use the link below to contact our customer care team, email spot@getspot.com or simply start a claim from your Spot account.
Coverage is for death or severe dismemberment as the result of a covered accident resulting from a covered activity.
1. intentionally self-inflicted injury, suicide while sane or insane;
2. is the result of the voluntary use of any controlled substance by an Insured as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970 (as amended), unless prescribed for the Insured Person by a Physician of the Insured;
3. Injury caused by, attributable to, or resulting from the Insured's Intoxication;
4. Injury caused by, attributable to, or resulting from the Insured’s use of a Controlled Substance unless administered on the advice of a Physician and taking the prescribed dosage;
5. operating a motor vehicle under the influence of a Controlled Substance unless administered on the advice of a Physician and taking the prescribed dosage;
6. operating a motor vehicle while having a blood alcohol level that equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the Injury occurred;
7. Participation in a Riot or insurrection;
8. any Injury that results from fighting, brawling, or assault;
9. an act of declared or undeclared war;
10. active duty service in any Armed Forces;
11. operating, learning to operate, or serving as a pilot or crew member of any;
12. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
13. parachuting, except for self-preservation;
14. scuba diving, bob-sledding, bungee jumping, ballooning, flight in an ultralight aircraft, sky diving, hang-gliding, glider flying, sailplaning, or parasailing;
15. participation in professional or amateur racing;
16. injuries associated with activities or travel outside the United States;
17. disease, bodily or mental infirmity or medical or surgical treatment thereof bacterial or viral infection, regardless of how contracted. This does not exclude bacterial infection that is the natural and foreseeable result of an Injury or accidental food poisoning;
18. dental treatment or dental X-rays, except as otherwise provided, and only when Injury occurs to sound natural teeth;
19. orthodontic braces or appliances;
20. treatment in any Veterans Administration or federal Hospital, unless there is a legal obligation to pay;
21. charges which the Insured would not have to pay if the Insured did not have insurance;
22. a charge which is in excess of the Allowable Expense;
23. cosmetic surgery, except reconstructive surgery due to a covered Injury;
24. participation in semi-professional and professional sports, play or practice, or any related travel;
25. participation in practice or play of any sports activity, including travel to and from games and practice, unlessspecified in this policy;
26. assistant surgeon services, unless specified in this policy;
27. elective treatment or surgery that is not prescribed by a Physician and is not Medically Necessary, health treatment, or examination where no Injury is involved;
28. Pre-existing Conditions;
29. human immunodeficiency virus (HIV), acquired immune deficiency syndrome (AIDS) or AIDS related complex (ARC);
30. any Heart or Circulatory Malfunction;
31. services or treatment rendered by a Physician, Nurse or any other person who is the Insured or an Immediate Family Member;
32. services or treatment incurred to the extent that they are paid or payable under any Other Insurance Plan;
33. services or treatment incurred to the extent that they are paid or payable under any automobile insurance policy without regard to fault. This exclusion does not apply in any state where it is prohibited;
34. travel in or upon:
a) a snowmobile;
b) any two or three wheeled motor vehicle;
c) any off-road motorized vehicle not requiring licensing as a motor vehicle in the jurisdiction where operated;
35. any Accident in which the Insured is operating a motor vehicle without a current and valid motor vehicle operator's license (except in a driver's education program);
36. treatment of temporomandibular joint (TMJ) disorders involving the installation of crowns, pontics, bridges or abutments or the installation, maintenance or removal of orthodontic or occlusal appliances or equilibration therapy.
© 2023 Spot Insurance Inc. All rights reserved. Mount Southington Ski Area is the policyholder for Accident Insurance that covers eligible participants participating in covered activities to which premium has been paid. Coverage is subject to the terms conditions and exclusions of the policy. Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company and facilitated by Spot Insurance Inc.
