Ikon Pass // Destinations

Spot Injury Insurance

Our policy can pay up to $25,000 of your medical bills with a $0 deductible—so you can get back to the mountain faster than ever.

Purchase Coverage

Yep, you’re covered while shredding.

File a claim

Every day. Every run.

Coverage Overview


Accident Medical Expense Coverage


Accidental Death or Dismemberment


Heart and Circulatory



Who is covered?

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

Non-US citizens are not eligible for coverage with lift tickets or passes purchased through Alterra Mountain Company's destination websites.

What activities are covered?

Skiing, snowboarding, or mountain biking-- depending on the product with which you purchased coverage.

When are you covered?

Anytime you’re using the pass or ticket with which you purchased coverage.

Where are you covered?

Wherever you can use the lift-access product you purchased insurance with.

Non-US citizens who purchase Injury Insurance with passes sold through ikonpass.com are only eligible for coverage for injuries which occur outside of their home country.

Where do I find more details?

Plans may vary depending on your country of residence. You may download and review a summary of you plan document prior to purchase. Once you purchase you will be able to view your plan document from your account. Choose your country of residence to download the sample plan.

Learn More


See a full list of FAQs
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 for your Ikon Pass through the Ikon Pass website when you purchase your pass. Already have your pass? Call the Customer Support Center at 888-365-IKON to purchase Injury Insurance or visit www.getspot.com/ikon-injury-coverage to add Spot to your Ikon Pass. If you haven't received a confirmation email, please contact Spot Customer Success.
Visit Ikon Pass

We’ve got you covered.

Looking for Pass Protection? Click here to learn how to get reimbursed if you can no longer use your pass due to an unforeseen event.

This website is intended as a brief summary of benefits and services for US residents. Actual coverage may vary.  It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan 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. 

Alterra Mountain Company is the policyholder for Accident Insurance that covers registered Alterra Mountain Company program ski, snowboard, or mountain bike participants while participating in activities sponsored or supervised by the policyholder for whom premium has been paid. 

Underwriting and claims servicing is dependent on the purchaser’s country of residence, date of purchase, and product purchased.  Coverages are underwritten and claims are serviced by Mutual of Omaha Insurance Company, SiriusPoint America Insurance Company, or Seven Corners Travel Insurance, and are facilitated by Spot Insurance Agency Inc.  Please refer to your plan document for additional information. 

Spot Insurance Agency Inc. is a licensed agent/broker offering accidental death and dismemberment insurance policies and travel insurance. Spot’s National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com (C) 2024 Spot Insurance Inc. All rights reserved. 500 W 2nd St. #1900, Austin, TX 78701