INJURY
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Ikon Injury Coverage
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Save on medical costs if you get injured on the mountain.

$99 for the entire season.* Covers you whenever you're using your pass at an Ikon Pass destination. Reserved for season pass holders.

A skier wearing a yellow helmet, orange jacket, and brown pants is captured in motion, performing a rail slide on a snowy slope.

SPOT INJURY COVERAGE

What You Get

Up to $25k in coverage per injury
No hidden costs, deductibles, or copays
Works with or without primary health insurance
Covers out-of-pocket costs on your primary health coverage like deductibles, copays and coinsurance
Protect yourself from costs incurred from ambulance transport, ER visits, hospital stays, physical therapy, and more
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
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Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
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Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage

Compare your costs with Spot

Do you have primary health insurance?

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Compare your costs with Spot

For everyone, regardless of health insurance status
Medical Costs
With Spot
Spot pays up to $25,000

Covers any doctor prescribed treatment including physical therapy, surgery and hospital stays
Without Spot
You pay up to 100%
For those with primary health insurance
Medical Costs
With Spot
Spot pays up to $25,000

Covers any doctor prescribed treatment including physical therapy, surgery and hospital stays
Without Spot
You pay up to 100%
Deductibles
With Spot
Spot covers your deductible
Without Spot
Coverage kicks in after you pay your deductible
Coinsurance
With Spot
Spot covers your out-of-pocket costs
Without Spot
You pay a percentage or fixed fee per service
Networks
With Spot
You choose your doctor or service provider
Without Spot
Choose a network provider, or pay full cost of service
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
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Ikon Injury Coverage
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Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage
Ikon Injury Coverage

How it works

1

Purchase injury coverage to go with your season pass

2

Did you get injured while using your pass?

3

Go to any doctor, ER or urgent care center for treatment

4

Let your medical provider know you have Spot, and we’ll pay them directly. Or, pay your costs upfront and submit them to us later for reimbursement

5

Submit a claim through our easy-to-use digital portal

In just three years, Spot has covered thousands of injuries at Ikon destinations

FAQS

When am I covered?

You are covered any time you opt-in for coverage and are participating in covered activities sponsored and supervised by Alterra Mountain Company, and your pass gives you access to.

More simply—when you’re skiing or snowboarding on the mountain once you’ve scanned your pass.

Coverage ends when your Ikon Pass or season pass ends.

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Which coverage should I purchase?

This page only supports purchases for the 24/25 season.
Purchase the 24/25 Season - US Residents if your primary place of residence is in the United States.
Purchase the 24/25 Season - International if your primary place of residence is anywhere outside of the United States.

How do I get coverage for my family or another person?

Currently you can buy insurance for one person at a time. To cover another person, simply repeat the purchase process and provide their details at checkout.

Can I get this for my daily lift ticket?

You can add the Injury coverage offered for daily lift tickets at the time of purchase. To purchase the policy offered by Spot with your daily ticket, go to your mountain’s website and select add Spot at checkout.

What is excluded in the policy?

General illness, pre-existing conditions, overuse injuries (wear and tear), and chronic sickness are not included in your policy coverage. The policy offered by Spot only covers accidental injuries that happen while you're participating on the mountain when you’re using your pass.

This website is intended as a brief summary of benefits and services for US and non-US residents. Actual coverage may vary. It is not part of your policy document and does not contain a complete summary of your coverage. If there is any difference between this website and your policy document, the provisions of the plan document will prevail. Benefits and plan costs are subject to change. Coverage is subject to the terms conditions and exclusions of the policy.

See a full benefit summary here:
US Residents
International and Non-US Residents

Is Spot health insurance?

No, Spot is not health insurance. The policy offered by Spot provides reimbursement of your medical bills incurred for injuries stemming from covered accidents. As much as we'd like to help with your stomach flu (drink plenty of fluids!), that's just not our thing. General illness and sickness are not included in your policy coverage.

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