We bought the Mountain Collective Pass with insurance for 2017-18 and as of 2/23/2018 used a grand total of 3 days—2 at Telluride and 1 ar Aspen. Unfortunately, on 2/23 my husband suffered a serious skiing accident which fractured his tibia in multiple places. Obviously our ski season was over. We immediately contacted AIG, the insurance carrier and filed claims for trip interruption. Despite providing all required documentation from the surgeon, receipts proving our purchase and information on the specific number of free days actually used, Liftopia could not be bothered to coordinate with AIG and confirm how many of the free days we were able to use before the accident. Hence, AIG gave us only a tiny fraction of the reimbursement we were due. We will NOT ever buy the Mountain Collective Pass again, nor we will ever do any business with Liftopia! Your customer service is appalling.