It’s human nature to think about powder days and not about sick days, and a season pass can be a sizable investment. It's good to know that you can insure your season pass against the loss of use due to injury or illness. Some resorts offer the option to insure refunds. There are also insurance companies writing policies to provide refunds after a sustained period of non-use of the pass due to illness or injury.

Season pass insurance usually costs a percent of the price of the pass, but, when you consider that most resorts impose restrictions on passes, making them non-refundable and non-transferable, a small percent of the of purchase price is not a lot. Plus, some policies extend the coverage to include coverage for other related incidents. For example, SkierGuard Season Pass Insurance provides Emergency Evacuation Insurance up to $15,000 and Accidental Death/Dismemberment Insurance up to $10,000 while skiing at the resort which issues the season pass. Another company offering protection for Canadian residents and covering Canadian resorts only is Sure-Ski Season Pass Insurance.

Check with the resort where you are getting your pass, then research private insurance. Be sure to check the terms and conditions and description of coverage of any policy for any preexisting conditions that may exempt you from coverage.

• Choosing a Season Pass
• Season Pass Ski Deals

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