Powder Mountain Winter Season Pass


All registered members of Powder Mountain's season pass program for whom seasonal premium has been paid.

Covered Activities

Ski, snowboard or snow tube participants within the bounds of Powder Mountain.

Policy Details

Covered Accident

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.

First Covered Expense

Must be incurred within 30 days from the date of the accident.

Treatment Time frame for Accident Medical Expense

Benefits paid up to 52 weeks from the date of the accident.

First notice of Loss

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.

Accidental Death & Dismemberment (AD&D):

Coverage is for death or severe dismemberment as the result of a covered accident resulting from a covered activity.

Heart And Circulatory Malfunction:

Coverage is for heart failure resulting in death that occurs within 72 hours of participating in a covered activity. No coverage exists for pre-existing heart conditions.

Policy Benefits

Accident Medical Expense


Accidental Death or Dismemberment


Heart And Circulatory Malfunction




Policy Exclusions

We will not pay benefits for a loss due to or expenses incurred for:

1. intentionally self-inflicted injury, suicide while sane or insane;
2. voluntary self-administration of any drug or chemical substance not prescribed by or not taken according to the
directions of the Insured's Physician;
3. treatment for alcoholism or drug addiction;
4. Injury caused by, attributable to, or resulting from the Insured's Intoxication;
5. Injury where the use of alcohol caused the loss, substantially contributed to the loss or resulted in the Insured’s
blood alcohol level equaling or exceeding the legal limit;
6. operating a motor vehicle under the influence of a Controlled Substance unless administered on the advice of a
Physician and taking the prescribed dosage;
7. 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;
8. voluntary commitment of or an attempt to commit a felony, or engagement in an illegal activity;
9. active participation in a riot or insurrection;
10. any Injury that results from the Insured’s voluntary participation in fighting, brawling, assault or battery;
11. an act of declared or undeclared war;
12. active duty service in any Armed Forces;
13. operating, learning to operate, or serving as a pilot or crew member of any aircraft unless specified in the
Insured Risk section of this policy;
14. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other
special equipment);
15. parachuting, except for self-preservation;
16. scuba diving, bob-sledding, bungee jumping, ballooning, flight in an ultralight aircraft, sky diving, hang-gliding,
glider flying, sailplaning, or parasailing;
17. participation in professional racing;
18. injuries associated with activities or travel outside the United States;
19. sickness, 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;
20. orthodontic braces or appliances;
21. any loss for which benefits are paid under state or federal worker's compensation, employers’ liability, or
occupational disease law;
22. charges which the Insured would not have to pay if the Insured did not have insurance;
23. a charge which is in excess of the Allowable Expense;
24. cosmetic surgery, except reconstructive surgery due to a covered Injury;
25. participation in semi-professional and professional sports, play or practice, or any related travel;
26. organ transplants;
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. preventive medicines or, serums or, vaccines;
29. voluntary termination of pregnancy;
30. contraceptive methods, devices or aids; elective sterilization or its reversal; artificial insemination; or in-vitro
31. routine medical care; and normal health checkups;
32. rest cures or Custodial Care;
33. mental and nervous disorders;
34. Pre-existing Conditions;
35. human immunodeficiency virus (HIV), acquired immune deficiency syndrome (AIDS) or AIDS related complex
36. infectious disease;
37. loss caused by or resulting from nuclear radiation or the release of nuclear energy;
38. services or treatment rendered by a Physician, Nurse or any other person who is: employed or retained by the Policyholder; or the Insured or an Immediate Family Member;
39. services or treatment incurred to the extent that they are paid or payable under any Other Insurance Plan;
40. 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;
41. Injury sustained by reason of a motor vehicle accident to the extent that benefits are paid or payable by any
Other Insurance Plan;
42. travel in or upon:
a snowmobile;
any two or three wheeled motor vehicle;
any off-road motorized vehicle not requiring licensing as a motor vehicle in the jurisdiction where
43. 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);
44. eyeglasses, contact lenses, hearing aids, or related examinations or prescriptions;
45. 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 equibilbration
46. charges from a clinic or facility primarily providing convalescent, custodial, educational or nursing care;
47. charges from a clinic or facility primarily providing care for the aged, drug addicts or alcoholics;
48. charges from a clinic or facility primarily providing rehabilitative care.

© 2023 Spot Insurance Inc. All rights reserved. MTCR Powder Mountain Resort Management, LLC 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.