Get full access to Outside Learn, our online education hub featuring in-depth fitness, nutrition, and adventure courses and more than 2,000 instructional videos when you sign up for Outside+ Sign up for Outside+ today.
Accidents happen. As skiers, we know this (sometimes all too well), and we agree to the inherent risks of the sports every time we buy a season pass or lift ticket. But now, your lift ticket also gets you up to $25,000 of coverage in the case of an injury sustained on the mountain.
Telluride Ski Resort is the first U.S. ski area to bundle accident insurance with its lift tickets, but according to Spot CEO Matt Randall, it won’t be the last. Spot partnered with Powder Mountain last season to provide complimentary insurance on its season passes (you can add it onto lift tickets for $5/day), and Randall says that the Austin-based healthcare startup hopes to be available to more skiers through lift tickets and season passes in the coming seasons.
Spot debuted in 2020, offering on-demand insurance for accidents and injuries. It was the brainchild of Randall and Spot co-founder Maria Goy, longtime friends who are passionate about the exorbitant cost of medical bills. Adamant that the pain of an injury’s financial ramifications should not outweigh the physical pain, the pair launched Spot to give people peace of mind.
“People are filing bankruptcy over medical bills at an unprecedented rate right now,” says Randall. “Thirty-plus million people go without any healthcare at all. Yet we live these fulfilled lives, and we’re not slowing down. At Spot we saw an opportunity to provide this service at cheap rates thanks to our excellent partners.”
When not bundled with a lift ticket, users pay fees starting at $25 per month for up to $20,000 worth of coverage. It can be used in conjunction with traditional insurance to cover the gaps or on its own at any provider, anywhere on the globe. Sign up is digital and takes minutes—no physical required.
For a fairly new company, Spot has an impressive list of athlete ambassadors across the snowsports and other adventure-sports universes, including skier Julian Carr, mountaineer Adrian Ballinger, snowboarders Travis Rice and Ben Ferguson, and rock climber Savannah Cummins. While those high-profile athletes certainly undertake higher risks that the average joe, they still fall within Spot’s coverage. However, if you’re looking to take up wing-suiting or walk a tightrope across Niagara Falls, you might be out of luck. More info here on what Spot does and does not cover.
But Telluride and Pow Mow skiers needn’t worry about that this season; Spot coverage will be there if they need it.
“These days, ski resorts are looking to add more value,” Randall says. “They are seeking out ways to give back to their patrons, to say ‘we’ve got your back.’ We’re excited to hopefully see Spot become standard practice at many ski resorts in the very near future.”