What is Pass Protection?
Sure, ski trips are fun, but planning them can be stressful. Spot is excited to give you one less thing to worry about when planning your next ski trip– Spot Pass Protection. This awesome new protection plan provides reimbursement for your prepaid pass, in the event that you won’t be able to use your pass for the season due to unforeseen covered events like injury, sickness, and more.
When can I purchase Pass Protection?
We’ve got two answers for you here! You can add Pass Protection as a post-purchase add-on up until October 31, 2023. This means if you’ve already purchased your Pass, you have until October 31 to add Spot’s Pass Protection and be covered. After October 31, 2023, Spot’s Pass Protection coverage can only be purchased at the time of Pass purchase and cannot be added on at a later time.
How do I know if I have Spot Pass Protection coverage?
When you purchase a Pass, there is an optional “Pass Protection” add-on that you may select for an additional cost. If you opted to add “Pass Protection,” then you have coverage. Questions about your plan? Feel free to chat with us on our site or reach out to firstname.lastname@example.org!
Common reasons for filling a Pass Protection Claim
- Your or a family member’s sickness or injury
- A death of a family member
- An uninhabitable primary residence
- Quarantining (Including, but not limited to, quarantine due to Covid)
- A subpoena, serving on a jury, or appearing as a witness in a legal action
- You or family member are called to active military duty or emergency service as a reservist
- Previously granted military leave revoked or reassigned
- Involuntary transfer of employment
- Involuntary termination or lay off by an employer
Coverage may vary by state and jurisdiction. Please view your state specific plan document within your Spot Account for more details or reach out to our team with any questions
Are there exclusions?
Is Pregnancy a Covered reason under Trip Cancellation?
Yes, normal pregnancy or childbirth of you or your traveling companion is a covered reason for trip cancellation. The date of conception, as verified by medical records, must occur after the effective date for the plan (Added for products sold on or after March 6, 2023; Not available to NY and WA residents)
How can I speed up the review process for my claim?
Each claim is reviewed as quickly as possible, but there are some things you can do to help things go smoothly. For starters, when you login to your account to notify Spot of your intent to file a claim, answer the questions as thoroughly as possible. Typically, the more information you can provide, the less back and forth will be needed for the claims team to get answers. Also, make sure you have all the supporting documents you need ready to upload when you submit your claims form. Once the claims team has your claims form and supporting documents, they can get started!
Can Spot’s Pass Protection help me with my injury?
Unfortunately, no. Spot Pass Protection does not contain any accident or sickness medical expense benefits. In the event of an injury which prohibits you from using your Pass for the season, Spot can help you get reimbursed for the prepaid and nonrefundable costs of the Pass if you choose to add Spot Pass Protection at checkout. Now here’s where it gets a bit tricky: Spot also offers injury insurance from Mutual of Omaha Insurance Company. If you are a Spot injury insurance policy holder, then that plan may be able to cover some costs of your injury. Not sure what plans you have? Chat with us on our site or reach out to email@example.com!
Can I cancel my Spot Pass Protection?
If you’re not satisfied for any reason, you can cancel this insurance within the ten day review period by calling the Alterra Contact Center. We’ll refund the plan cost, provided there are no incurred losses, you haven’t used your pass, or filed a claim.