All US citizens, permanent residents and those holding valid temporary work visas, who are Terry Peak daily ticket holders whom daily premium has been paid.

Covered Activities

Skiing and Snowboarding activities.

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 90 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 that is first treated 24 hours of participating in a covered activity . No coverage exists for pre-existing heart conditions. Loss of life Resulting from heart or circulatory malfunction within 90 days of the date of participation.

Policy Benefits

Accident Medical Expense

$25,000

Accidental Death or Dismemberment

$10,000

Heart And Circulatory Malfunction

$10,000

Deductible

Policy Exclusions

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

resulting from suicide, attempted suicide, or intentionally self-inflicted injury while sane or insane (in Missouri, while
sane only);
(b) caused by an act of declared or undeclared war;
(c) received while in the armed service (upon notice to us of entry into an armed service, the pro rata premium will be
refunded);
(d) received while acting as a pilot or crew member;
(e) resulting from air travel, except while as a passenger for transportation only;
(f) resulting from the Insured's engagement in or attempt to commit a felony or being engaged in an illegal occupation;
(g) received while under the influence of any controlled substance, unless administered on the advice of a Legally Qualified
Physician; or
(h) received while Intoxicated as specifically defined in this provision.

Exclusions and Limitations also include:

the cost of eyeglasses, contact lenses or examinations for either; (b) the cost of dental treatment, except
as specifically provided for Injuries to teeth; (c) Injuries paid by workers' compensation or employer's liability laws.