For many skiers and snowboarders, the cost of a season pass is more than just "chump change," so Purgatory at Durango Mountain Resort offers an insurance policy against unforeseen circumstances that might take someone off the slopes for the season.

Joining a number of other areas around the world, the Durango, Colo., resort has initiated a Ski Pass Insurance program through Travel Guard Insurance, with coverage available for sale as a benefit for all season pass purchasers. The cost of the insurance is $20 for teens through seniors, and $10 for youngsters 6 to 12 years old.

Coverage includes events of sickness or injury, damage of residence that makes it inhabitable, call to military service or jury duty, pregnancy or childbirth, or employment transfer, lay off or termination - among others.

The price of a season pass will be reimbursed up to $600 if any covered events occur before the opening of the winter season. For events after the season has begun, the reimbursement will be pro-rated according to a daily charge, according to Travel Guard.

In addition, insurer Travel Guard Insurance says it will waive the exclusion for pre-existing medical conditions if the coverage is purchased within 14 days of purchase of the ski pass. However, you must be able to travel at the time when the insurance is bought.

A number of exclusions retract coverage; contact (877) 828-6720 or download a copy of the policy at for more information. Residents of Florida, Georgia, Indiana, New Hampshire, New York, Oregon, Pennsylvania, Utah and Washington should review state-specific policies by calling (866) 370-0246 or visiting