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FREQUENTLY
ASKED QUESTIONS
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Why
buy season pass insurance?
What benefits are provided?
When
am I covered?
When should I enroll?
How much coverage do I need?
How does coverage work with
a family pass?
Do limitations or exclusions apply?
Is this primary or secondary insurance?
Can I insure a season pass which is valid
at more than one ski area?
How much does it cost? How do I enroll?
What
is a pre-existing condition?
Which
insurance company provides this coverage?
Is
the ski resort an agent of the insurance company?
What if a loss occurs?
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Q:
WHY BUY SEASON PASS INSURANCE?
A: Most resorts will not
refund your money or give you a credit for the following season if
you are unable to use your ski pass.
Thus, it may be a "use-it-or-lose-it" proposition. Missing
out on skiing is bad enough ... but to lose your investment in a
season
pass would be even more disappointing. |
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Q: WHAT COVERAGES
ARE PROVIDED?
A:
Loss of Pass Use Insurance covers
you if a covered injury or illness prevents you from skiing at
the specified
resort(s) for at least 30 consecutive days during
the ski season. If
you buy an "unlimited" pass, you will be covered for temporary
as well as permanent loss of pass use. If you buy a "limited"
pass you will be covered only for permanent loss of pass use.
Injury or sickness may occur anywhere in the world, not just at
the
ski resort. You will be reimbursed on a pro-rata basis for the
value of your unused pass.
Emergency Evacuation Insurance covers
you up to $15,000 for covered Emergency Evacuation expenses
which occur while skiing at the resort which issues your season
pass.
Accidental
Death & Dismemberment
Insurance covers you up to $10,000 for covered losses which
occur while skiing
at the resort which issues your season pass.
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Q:
WHEN AM I COVERED?
A:
Coverage
is in force from the effective date until the season ends. The
effective date is the
date you buy a season pass or the date you purchase this coverage
(whichever is later). |
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WHEN SHOULD
I ENROLL?
A: We recommend that
you purchase coverage when you buy your season pass from the ski
area. If you already bought your season pass without insurance,
you may enroll
online.
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Q: HOW
MUCH COVERAGE DO I NEED?
A: The amount to insure is the
price paid for your season ski pass. |
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Q:
HOW DOES COVERAGE WORK WITH A FAMILY
PASS?
A: Each
family member is covered for his/her interest in the pass. For
example, if one person has a valid loss of pass use claim
only that family member will be reimbursed. |
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Q:
DO LIMITATIONS OR EXCLUSIONS APPLY?
A: Yes, as with most insurance
policies, the scope of coverage is limited.
To familiarize yourself with the benefits and exclusions before
enrolling, you should examine the insurance provisions online.
Please review the terms and conditions
before you buy. If you have any questions, contact
Skier Insurance Services:
Tel: 406/ 752-5484 Fax:
406/ 752-5839 info@skierinsurance.com
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Q:
IS THIS PRIMARY OR SECONDARY INSURANCE?
A: Loss
of Pass Use Insurance is primary; this coverage is not present in
any other
type of insurance you may have. Emergency Evacuation Insurance
is secondary to any other insurance which may be in force; it is
not subject to deductible or coinsurance provisions. |
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Q:
CAN I INSURE A SEASON PASS WHICH IS VALID AT MORE THAN ONE SKI AREA?
A: Yes, select "Multi-Mountain"
pass on the enrollment form and list each ski resort where the pass
is valid. |
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Q: HOW
MUCH DOES IT COST?
A: The cost is 6% of your
season pass price ($10 minimum per pass). Many resorts sell SkierGuard
with passes; simply add the insurance cost to your pass price if
that option is available. If it is not available or if you
already
purchased a season pass without SkierGuard, you may enroll
online or call 800/ 624-0039 to request a
printed
enrollment form. You may pay with a major credit card or a personal
check. A Description of Coverage will
be sent to you; be sure to review
this document carefully as coverage is limited! |
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Q:
WHAT IS A PRE-EXISTING CONDITION?
A: Any
illness or injury which existed during the 60 day period before the
effective date is a "pre-existing condition". Such conditions
are excluded. See the complete definition in the Description
of Coverage. |
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Q:
WHICH INSURANCE COMPANY PROVIDES THE COVERAGE?
A: National Union Fire Insurance
Company of Pittsburgh, Pa., is the underwriter. For more information,
go to About Us. |
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Q:
IS THE SKI RESORT AN AGENT OF THE INSURANCE COMPANY?
A: No,
any ski area which makes this coverage available to you is
not an agent of the insurance company. Skier Insurance Services
is the insurer's agent and administrator.
Q:
WHAT IF A LOSS OCCURS?
A: In event of a covered
loss, notify Skier Insurance Services immediately. You
may request a claim form online by clicking Claims
Service.
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