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Coverage Details

Your Policy Includes:


Accident Medical Expense Coverage


Accidental Death or Dismemberment



Who is covered?

Pass holders who have paid their premium for Spot Injury Insurance.

What is covered?

Certain policies include skiing and snowboarding or mountain biking.

When are you covered?

Anytime you’re using a pass.

Where are you covered?

You’re covered while using your pass.

How Injury Insurance Works

If you get injured

Go to the doctor and get treated

If you have an accident, focus on your injury first and get the treatment you need. Go to any licensed physician, hospital, ER, or urgent care clinic that is convenient to you. Whatever your physician recommends as treatment should be covered, whether that’s diagnostic tests, scans, surgery, specialist visits, prescriptions, procedures, hospital stays, ambulance or air ambulance rides, physical therapy, and more.

Filing a claim online

We're here to help

Getting injured sucks, but dealing with your insurance shouldn’t. When you’re injured with Spot, a dedicated team member will be by your side every step of the way. Our goal is to simplify the experience so we can resolve your claim as quickly as possible. Besides, you have more important things to focus on, like recovery!

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See a full list of FAQs here.

What medical costs are covered under Spot?

What if I have to submit a claim?

Is Spot health insurance?

What is excluded in my policy?

Get Spot

You can purchase Injury Insurance through the Ikon Pass website when you purchase your pass.
Already have your pass? Call the Contact Center at 888-365-IKON to purchase Injury Insurance.

If you've purchased Spot and haven't received a confirmation email, please contact Spot Customer Success

Looking for pass protection? Click here to learn how to get reimbursed if you can no longer use your Ikon Pass due to an unforeseen event, like injury or sickness.

Click here to see Spot's official Terms and Conditions.

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© 2022 Spot Insurance Inc. All rights reserved. Alterra Mountain Company is the policyholder for Accident Insurance that covers All registered, ski and snowboard participants of Alterra Mountain Company’s Ikon Pass participating in activities sponsored or supervised by the policyholder for whom annual/season 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 Life By Spot Companies Inc.

Spot Insurance Inc. is a licensed agent/broker offering accidental death and disability insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com
(C) 2022 Spot Insurance Inc. All rights reserved.
500 W 2nd St. #1900, Austin, TX 78701