Insurance coverage is insulting | AspenTimes.com

Insurance coverage is insulting

Dear Editor:The article praising Skico ski pass insurance (Aspen Times, Aug. 30) fails to paint an accurate picture. Upon buying insurance for my first time this year, I was shocked to read a litany of unreasonable exclusions detailed in the “description of coverage.” The most notable are: “Participation in any professional, semi-professional, or interscholastic team sports;” injury occurring “outside the established boundaries/premises of a ski resort” (including backcountry skiing around here?); injury occurring “heli skiing; extreme skiing; freestyle skiing; performing ski acrobatics including the act of aerial somersaulting or rolling the body in a complete circle with heels over head; ski jumping; participating in skiing competition of any kind; professional skiing (competition or Ski Patrol); mountaineering; mountain climbing; rock climbing; caving; ice climbing; trampoline jumping; extreme sports of any kind.”These exclusions pertain to so many people, including those iconic locals who train in our terrain parks for exciting events such as the X Games, Big Air Fridays, etc., that bring so much revenue to the Skico and the valley. Moreover, ski patrollers are not covered?! More notable exclusions: “Mental or emotional disorders; alcohol or drug abuse; pregnancy; pre-existing conditions” (that’s most of us); “participation in bodily contact sports” (Aspen hockey and rugby players); “elective abortion” (?!); “elective or cosmetic surgery” (that excludes a few folks around here); “moves occasioned by job transfer, change of employer, loss of employment or transfer to an education institution.”It sounds like one cannot go hiking this fall or winter (in the effect of “mountain climbing”), get injured and receive coverage.We live in Aspen. The mountains are our back yard. This ski insurance coverage is limited to the point of being a scam. Considering the price tag of season pass, at $1,579 for those not employed by chamber of commerce businesses, this insurance coverage is insulting. I want a refund.Christopher BrodSnowmass

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