Protect Your Season With Pass Insurance

You've saved. You've planned. You've looked forward to skiing or riding for months. But things don’t always go according to plan. What if you get sick or injured and are unable to use your ski pass? What if you are laid off from your job?

Pass Insurance is offered through Beecher Carlson Insurance Co., to cover you and your investments when the unexpected happens.

 Pass Type    Adult/Teen       Child   
Epic Pass $25 $15
Epic Local Pass $20 $10
Epic 7-Day $20 $10
Epic 4-Day $20 $10
Summit Value Pass $20 $10
Kirkwood Pass $20 $10
Tahoe Local Pass $20 $10
Keystone A-Basin Pass       $10 $5
Tahoe Value Pass $10 $5
Afton Alps Pass $10 $5
Mt. Brighton Pass $10 $5
Wilmot $10  $5
Park City Youth Pass $10 $5

*Note: Pass Insurance is not transferable or refundable. All refunds are pro-rated based on the number of days skied on the date of incident. Pre-existing conditions may not qualify.



Coverage applies for all Vail Resorts season pass or pack products, valid for the 2017/2018 season, October 15, 2017 through April 15, 2018. Refunds will not be provided beyond April 15, 2018. All refunds are the cost of the pass minus a daily rate for every day used (10/15/2017 – 4/15/2018) up to the face value of the season pass. For example, if you make a claim in January after using your pass three times previously, your refund amount will take three days of prior pass use into account.

If You Accept:

  • Pre-Season Pass Cancellations: For incidents that occur prior to the start of the ski season, United Specialty Insurance Company will reimburse the full cost of your season pass if you’re unable to use it for the entire season, due to a covered reason.*
  • Season Interruption Reimbursements (pro-rated): For incidents that occur after the ski season begins, we will reimburse the cost of the pass minus a daily usage fee for every day used up to the face value of the season pass if you are no longer able to use the season pass due to a covered reason. Subject to the terms and conditions of the policy, covered reasons include sickness, injury, job transfer, complications of pregnancy, normal pregnancy or childbirth, military deployment, employer termination or layoff, death of a family member and primary residence becomes uninhabitable.*
If You Decline:
  • Refund Ineligible: If you do not accept pass insurance, you will not be eligible for a refund of any kind and understand that passes are non-transferable nor for re-sale.

If you have already purchased your pass and wish to purchase pass insurance, please call  our Customer Service Center at 970-754-0005. Pass Insurance will only be offered through October 15th, 2017 or 30 days after you purchase your pass (whichever date comes later).



1. Injury or sickness of an insured.

Injury or sickness must be so disabling that the insured individual can no longer ski/snowboard as certified by a physician at the time of sickness or injury.

2. Injury, sickness or death of an   insured’s family member while traveling with the insured.

Injury or sickness to the family member must be so disabling as to reasonably cause an insured’s ski pass to be unusable, which results in medically imposed restrictions as certified by a physician at the time of injury or sickness preventing the use of the ski pass.

3. Injury, sickness or death of an insured’s family member while not traveling with the insured.

The family member’s condition must be life-threatening as certified by a physician or because they require the insured’s care.

4. The insured’s primary residence or destination being uninhabitable by natural disaster.

Police reports or other local authority reports or documentation proving loss must be provided.

5. The insured being subpoenaed, required to serve on a jury, hijacked or quarantined.

Police reports or other local authority reports or documentation must be provided.

6. The insured is involuntarily terminated or laid off.

a) Insured must have been an active employee for the same employer for at least one year, b) Termination must occur following the effective date of coverage, c) Coverage is not applicable to temporary employment, independent contractors or self-employed persons, d) Documentation proving lay off and the aforementioned must be provided.

7. The insured has an involuntary employer-initiated transfer within the same organization of 100 or more miles after the insured’s effective date of coverage which requires the insured’s primary residence to be relocated.

a) Insured must be an active employee for the same employer for at least one year, b) Documentation proving the relocation and aforementioned must be provided.

8. Insured is called to active military service or military leave is revoked or reassigned.

Military documentation proving deployment or military leave reassignment must be provided.

9. Insured has a complication of pregnancy, normal pregnancy or childbirth.

Complication of pregnancy, normal pregnancy, or childbirth must occur after the Insured’s effective date of coverage and must be verified by medical records.

1. The Season Pass Insurance is purchased within 30 days of making the initial Payment for the Season Ski Pass.

2. All Insured's are medically able to ski/snowboard when the Season Ski Pass Insurance Cost is paid.

This is only a brief description of the coverage(s) provided under policy series IMBDISP0317. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. Review the policy at If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance is underwritten by United Specialty Insurance Company, with its principal place of business at 1900 L. Don Dodson Drive, Bedford, TX 76021. 


We hope you get the most out of your pass purchase this season, but in the event you need to make a claim, we have a dedicated team of claim administrators set up to assist you.

ACM has built a claims reporting portal for the Vail program that can be accessed from any smartphone, computer or ipad. This will bypass the call center and the claim will auto assign to an adjuster immediately, to submit an online claim click here.

If you prefer to speak with a representative please call 1-877-895-1297 to initiate a claim or email

Q: Can I go to a resort pass office or call the Customer Sales and Service Center to get reimbursed on my pass?
A: No. All claims are processed through American Claims Management.  Please call 1-877-895-1297 to initiate a claim or email:

Q: What if I didn't purchase pass insurance – can I get reimbursed?
A: No. Reimbursements will only be made if you purchased pass insurance and if you suffer a covered loss. The amount paid will be pro-rated based on the term of the season and the date the claim is made.

Q: How long will pass insurance be available?
A: Pass insurance will only be available till October 15th, 2017 or thirty days after you purchase your pass – which ever comes later.

Q: I have more detailed questions about the coverage. Who can I call?
A: Beecher Carlson Insurance Services is the insurance agent and can answer your coverage questions.  Please call 1-877-895-1297 and listen for the prompt for questions or call 303-996-5413 to speak directly to your agent.

Q: Can I purchase pass insurance for any Vail Resorts pass product? What about tickets?
A: You cannot purchase insurance for tickets, but you can purchase insurance for all Vail Resorts pass products.

Q: Is Pass Insurance Refundable or Transferable?
A: No.

Q: What does pass insurance cover?
A: Pass insurance protects your season pass purchase for various covered losses.  For a list of covered perils and exclusions please review the Certificate of Season Ski Pass Insurance which is available for viewing or downloading on or you can call Beecher Carlson at 1-877-895-1297 or 303-996-5413 for more information about the coverage.

Q: What is the phone number to report claims if calling from outside of the US?
A: +1-385-219-3411

We hope you get the most out of your pass purchase this season, but in the event you need to make a claim, we have a dedicated team of claim administrators set up to assist you.  Call 1-877-895-1297 to initiate a claim or email

View the full policy.


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