About O.R.I.

What is O.R.I.?

O.R.I. is accident insurance specifically designed and created for snow, mountain and paddle enthusiasts.

If you have an accident during a covered activity, we pay benefits to you for ambulance and medical expenses and will also make a lump sum payment in case of accidental death.

If You Have Health Insurance:

  • Getting injured is usually painful, and so is going out of pocket for the cost-sharing components of your health plan. Our accident benefits are there to pay toward the deductibles, co-insurance amounts and other co-pays imposed by your health insurance.
  • Think your health plan might deny claims for "dangerous" activities such as climbing or backcountry skiing? O.R.I. coverage can provide a solid backstop against that risk.

If you Don't Have Health Insurance:

  • If you're actively involved in one or more of our covered activities, then O.R.I. accident insurance is a low-cost way to help pay for medical and ambulance expenses. Please keep in mind, however, that O.R.I. coverage only pays benefits for specifically covered activities and does not cover illness or disease.
  • Think about how much money you spend on gear... does any of that gear help you pay for ambulance and medical expenses if you get hurt?

Covered Activities

Covered activities are grouped into three categories, Snow, Mountain and Paddle. You can purchase a single coverage category or purchase Combo coverage.

SNOW: Within a ski area and in the backcountry.

  • Skiing (all disciplines plus heli-skiing)
  • Snowboarding
  • Snowshoeing
See Outline of Coverage for more information, including coverage limitations and exclusions.

MOUNTAIN:

  • Climbing (all disciplines including outdoor/indoor sport climbing, traditional rock climbing, mountaineering, ice climbing, and bouldering)
  • Hiking, trekking and trail running
See Outline of Coverage for more information, including coverage limitations and exclusions.

PADDLE: All water (flat, sea, surf and whitewater)

  • Kayaking
  • Canoeing
  • Rafting
See Outline of Coverage for more information, including coverage limitations and exclusions.

COMBO: Purchase of the COMBO option entitles you to coverage for all three coverage categories: SNOW, MOUNTAIN and PADDLE.

Every time we go skiing, climbing or paddling the outcome is uncertain. But we believe the risks are acceptable because the rewards can be priceless. So recognize the inherent dangers, get the proper training, use the right gear, be responsible, but get out there and have fun. We'll be there if you need us.

Who Can Buy O.R.I.?

You must be between the ages of 14 and 64 can purchase O.R.I.

Coverage is provided on a "guaranteed issuance" basis:

  • no physical examinations are required
  • no waiting periods to satisfy
  • no disqualifications for pre-existing conditions

Better yet, there are no agency sales talks to endure and no automated phone systems to navigate.

How Do I Buy O.R.I?

It's simple, just click on the Buy O.R.I. tab, open an account and select the coverage you want. Submit a secure online payment and print (or save) your documents.

If you ever want to upgrade your initial coverage, just access your account, select the "UPGRADE" option and follow the easy instructions.

Benefits

O.R.I. benefits include:

  • $10,000 in medical and ambulance expenses per coverage category (Snow, Mountain, Paddle) and
  • $10,000 lump sum payment in case of a covered accidental death.

Unlike Typical Insurance

  • You pay NO "CO-INSURANCE" (percentage of charges)
  • You make NO "CO-PAYMENTS" (flat-fee charges for specific services)
  • You may pay NO DEDUCTIBLE because we'll waive our deductible if you use O.R.I. benefits to pay a deductible under your health plan or health insurance policy.
Benefits are paid directly to the ORI insured unless you ask ORI to pay your benefits to one or more medical providers (frequently a good idea). There is no ORI deductible to pay if you use ORI benefits to pay a deductible under your health plan or health insurance policy. If ORI is your only source of coverage for ambulance and medical expenses, then a $500 deductible applies.

Cost

O.R.I. is "single premium" coverage, which means you make a one-time payment at the time of purchase.

ANNUAL RATES *
MOUNTAIN: $85 per year SNOW: $75 per year PADDLE: $60 per year
COMBO (all 3 coverage categories): $150
UPGRADE *
From MOUNTAIN to COMBO: $65 From SNOW to COMBO: $75 From PADDLE to COMBO: $90
DAILY RATES *
IMPORTANT: PLEASE NOTE THAT DAILY RATES ARE AVAILABLE ONLY FOR PROFESSIONALLY GUIDED OR SUPERVISED ACTIVITIES.
MOUNTAIN: $11 SNOW: $9 PADDLE: $8

* Rates are subject to change at any time.

More Questions?

Check out the Q&A page, or check out the Snow, Mountain and Paddle coverage outlines, or send us an email.

We support active people and encourage the responsible use of and access to outdoor recreation sites. We're also committed to supporting organizations that share our enthusiasm for outdoor recreation and the responsible stewardship of outdoor recreation sites.