Alterra Mountain Company

Plan with peace of mind.

Life is unpredictable. That’s why Spot Trip Protection reimburses your prepaid, non-refundable trip costs if you cancel or interrupt your trip due to a covered reason. It can also reimburse you for unforeseen expenses you may incur if things don’t go as planned. Please review your plan document for full details. Exclusions apply. All claims are subject to the full terms and conditions of the plan

Yep, your trip can be covered.

Coverage Overview

Trip Protection Overview

Up to 100%

of your insured, non-refundable trip costs are covered if you must cancel or interrupt your trip for a covered reason.

Who is covered?

  • Coverage is available for travelers to Alterra Mountain Company's destinations who have opted into coverage during checkout or through the destination's contact center and paid full premium.
  • Coverage is not available for people 81 years or older at time of purchase, or for itineraries valued at less than $100 USD
  • If you booked a trip for multiple people, you have up to 10 days from the date you purchased Spot Trip Protection to add your travel companions to the plan. If purchased within 10 days of your trip, you have until the day before your trip.
    • Additional travelers cannot be added once your trip has started. Once purchased, add additional travelers in your account or start a chat with our team on this page. This ensures that Spot Trip Protection benefits are extended to everyone on your trip. If you skip this step, your additional travelers won’t be covered.
    • Submitting a Trip Protection claim with more travelers than listed as your traveler companions may impact or reduce your claim reimbursement amount, if eligible.

What is covered?

  • Up to 100% of the non-refundable insured trip cost for covered trip cancellations and trip interruptions
  • Medical evacuation costs up to $500,000
  • Lost, stolen, damaged and destroyed bags up to $1,500—max $500 per item
  • Delayed bags up to $1,000—max $200 per day
  • Rental car damage up to $25,000
  • Emergency accident and sickness coverage up to $25,000 per trip
  • 24/7 non-insurance travel assistance services are also included

When are you covered?

  • Trip Cancellation coverage applies if you need to cancel your trip due to a covered reason like family emergencies, sickness, inclement weather, jury duty, military duty, involuntary relocation for work (>250 miles) or involuntary termination from work.
  • Trip delay benefits apply if your trip is delayed due to a covered reason such as common carrier delays, traffic accidents, theft of passports or visas, inclement weather, injury or natural disaster. Plans contain additional covered reasons for trip cancellation and trip delay as well as additional benefits.

Interested in the nitty gritty? Here's more detail of what's included in Spot Trip Protection

When does trip cancellation coverage begin and end?

Coverage begins at 12:01 a.m. the day after the date the required plan cost is received. This coverage automatically ends once you depart on your trip or the time you cancel your trip. 

When do other coverages end?

Most coverages end on the last scheduled day of your trip, the day you complete your trip, the day you return from your trip, the day you cancel your trip or the day this plan expires—whichever comes first.

Total costs of Spot Trip Protection

Spot Protection Plan is 7.25% of the trip cost.

How far does a destination need to be in order to be considered an insurable trip?

Your trip must be 10 miles or more from your primary residence.

When must trip cancellations be reported?

You must report all cancellations of items on your itinerary for which the plan cost has been paid to the travel supplier within 72 hours of the qualifying event. 

Included in Spot Trip Protection

Trip Cancellation or Trip Interruption for listed unforeseen covered events including, but not limited to:

  • You or a family member's or travel companion’s death, sickness or injury.
  • Inclement weather that causes a: delay, closure of public roadways by local government authorities or cancellation by a common carrier for at least twenty four (24) consecutive hours of a common carrier on which you or your traveling companion are scheduled to travel which prevents you from reaching your scheduled destination or scheduled trip departure city;
  • Your or your traveling companion’s primary place of residence or scheduled destination accommodation is made uninhabitable due to a natural disaster, vandalism or burglary.
  • Your or your traveling companion’s current employer requires you to transfer 250 miles or more which requires you or your traveling companion’s primary residence to be relocated.
  • Revocation of you or your traveling companion’s previously granted military leave or re-assignment. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required.
  • You or your traveling companion are involuntarily terminated or laid off from your employment. You must have been an active employee with the same employer for at least one (1) continuous year. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancers or self-employed persons.
  • Spot Trip Protection also includes medical and travel-specific benefits, like Trip Delay and Baggage Delay, as well as access to 24/7 non-insurance emergency travel assistance services, all designed to help you when the unexpected disrupts your trip.

*Additional terms and conditions apply to all covered reasons listed above. Covered reasons for Trip Cancellation and Trip Interruption are similar, but not identical. Please review your plan document for full details and covered reasons. 

Who backs this plan?

Spot has partnered with International Medical Group (IMG) and iTravelInsured to administer this plan. If something happens, we’ll provide you a link to their portal where you can submit a claim. They’re also available 24/7 to provide you with non-insurance emergency travel assistance. This plan was underwritten by and claims will be paid by United States Fire Insurance Company. More information will be included in your plan documents

Exclusions of Spot Trip Protection

Check your state’s plan below for a full list of exclusions, including more details regarding the definition of pre-existing medical conditions.

Protection Plans by State

Trip Protection Plans vary depending on your state of residence. You may download and review a sample of your state's specific plan prior to purchase. Once you purchase coverage, you will also be able to view your plan document from your account.


Is Spot Trip Protection refundable?
What happens if I need to use my Trip Protection?
Does the plan contain an exclusion for pre-existing conditions and can this exclusion be waived?
What if I get hurt or sick during my trip?

Get Spot

You can purchase Trip Protection through your destination's website when you plan your trip. Already book your trip? Call your destination to add Spot Trip Protection.

We've got you covered.

This web page contains highlights of the plans developed by Spot Insurance Inc, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by iTravelInsured. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions, including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Spot Insurance Inc. 500 W. 2nd Street #1900 Austin, TX 78701 888-571-SPOT (7768). While Spot Insurance Inc markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Spot Insurance Inc, and Spot Insurance Inc does not receive compensation from USF for providing the non-insurance components of the plans.

© 2024 Spot Insurance Inc. All rights reserved. Spot Insurance 500 W 2nd St. #1900 Austin, TX 78701 Spot Insurance Agency, Inc. is a licensed agent/broker offering accidental death and dismemberment insurance and travel insurance. Our National Producer Number (NPN) is 18724703 and our California license number is 6004685. For additional license information, contact or call 888-571-SPOT. For general inquiries, email