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Spot covers up to $20,000 of your medical expenses if you are suddenly injured skiing or snowboarding this season. Spot has no deductible and works whether you have health insurance or not, and with any existing insurance plans you may have. For injuries big and small, Spot has your back–so send it with peace of mind.

Coverage Details

Your Policy Includes:


Accident Medical Expense Coverage


Accidental Death or Dismemberment



Who is covered?

All individuals of Powder Mountain who purchase a season pass or individuals who purchase Spot add-on to their daily lift ticket.

What is covered?

Spot covers cost from your doctor-recommended treatment plan up to $20,000 for any covered physical injury as long as it's carried out by a licensed physician.

When are you covered?

We got your back for the duration of your season pass or daily lift ticket while you're skiing or snowboarding on Powder Mountain.

Where are you covered?

Within the bounds of Powder Mountain Resort.

How It 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 Powder Mountain Resort website.

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Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company. Powder Mountain Resort is the policyholder for Accident Insurance for all enrolled members of Powder Mountain Resort’s current season, participating in skiing, snowboarding, or mountain biking. Coverage is subject to the terms, conditions, and exclusions of the policy.

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
(C) 2022 Spot Insurance Inc. All rights reserved.
500 W 2nd St. #1900, Austin, TX 78701