Accident Insurance helps keep participants safe and supported while they are on a Polaris Adventure. This insurance covers things like accidental injuries, making sure participants have a safety net in case something unexpected happens.
Polaris Adventures is the Policyholder for this accident plan. As a participant, there is nothing you need to do to ensure the base coverage option. You may have also selected and paid for an upgrade with higher benefit limits. The two types of coverage are listed below, based on the class of participant. If you experience a hazard as described, you can file a claim at https://www.archaccidenthealth.com/report-a-claim/
| Policyholder Name | Polaris Adventures |
| Policyholder Address | 7049 Greenbriar Parkway, NW, Madison, AL 35756 |
| Policy Number | 11SPR0957501 |
| Term of Policy | February 15, 2026 – February 15, 2027 |
| Full Policy | Click here to access the full policy online |
| Class 1 | Class 2 | |
|---|---|---|
| Class Description | All registered participants of Polaris Adventures Elite locations of the Policyholder, for whom require premium has been paid. | All registered participants of Polaris Adventures Elite locations of the Policyholder that have also elected the Upgrade Coverage Option, and paid the required premium for the additional Accident Medical and Dental Expense Benefit. |
| Hazards Covered by Class | Supervised and Sponsored Activities | Supervised and Sponsored Activities |
| Exposure and Disappearance | Included | Included |
| Principal Sum Policy Limits (aggregate policy limit: $1,000,000) | $25,000 | $25,000 |
| Covered Event | Benefit Limit |
|---|---|
| Life | 100% |
| Quadriplegia | 100% |
| Two or more Members | 100% |
| One Member | 50% |
| Hemiplegia | 50% |
| Paraplegia | 50% |
| Uniplegia | 25% |
| Loss of thumb and index finger of same hand | 25% |
"Member" means hand, foot or eye. (Please refer to the policy for a complete definition of loss as used above.) If more than one loss stated in the table is sustained as the result of one accident, only one amount, the largest will be paid.
| Benefit | Description |
|---|---|
| Accidental Death and Dismemberment (ADD) | We will pay the percentage of the Principal Sum ($25,000) shown on the Schedule of Benefits for that loss. If multiple losses occur, only one benefit, the largest, will be paid for all losses due to the same Covered Accident. |
| Exposure and Disappearance (included under ADD Benefit) | Exposure includes unavoidable exposure to the elements following a Covered Accident. Disappearance means an Insured is presumed dead as a result of a Covered Accident and the body is not found within one year of the Covered Accident. |
| Accident Medical and Dental Expense Benefit | We will pay Accident Medical and Dental Expense Benefits for Covered Expenses that result directly from a Covered Accident. These benefits are subject to the Deductibles; Coinsurance Factors; Benefit Periods; Benefit Maximums; and other terms or limits shown in the Schedule of Benefits. |
| Accidental Burn and Disfigurement Benefit | We will pay this benefit if the Insured suffers burns that leave him or her Disfigured as defined in the policy. The burns must result directly from a Covered Accident. |
| Coma Benefit | Pays a monthly benefit of 1% the Principal Sum, up to a maximum of 100% of the Principal Sum, if a covered person suffers a covered coma resulting directly from the accident and the person remains comatose for at least 30 days. |
| Hospital Stay Benefit | We will pay this benefit shown if the Insured requires a Hospital Stay due to a Covered Loss resulting directly from a Covered Accident. |
| Physical Therapy Benefit | We will pay this benefit as shown in the Schedule of Benefits subject to the following conditions, if the Insured requires Physical Therapy to treat an Injury resulting directly from a Covered Accident. |
| Emergency Medical Evacuation | We will pay Covered Expenses, up to expenses incurred to the Maximum Benefit of $50,000, subject to the following conditions for emergency medical evacuation, if: 1. The Insured suffers a covered Medical Emergency resulting directly; and independently of all other causes; from a covered Medical Emergency that occurs while traveling from his or her principal residence to another city or foreign country, with at least 100 miles distance; and 2. The Insured's attending Physician certifies an emergency need to send the Insured, under medical supervision, to the nearest medical facility. |
| Repatriation of Remains | We will pay Eligible Expenses, up to the Maximum Benefit of $10,000, incurred for the return of the Insured's remains to his or her place of residence in his or her home country and state if the Insured's death results directly from a Medical Emergency outside of his or her Home Country or home state or more than 100 miles from the Insured's place of residence. |
Unless specifically covered by this Policy, We do not provide coverage for any loss or Injury resulting or caused, in whole or part, from:
In addition to the exclusions above, We will not pay Accident Medical and Dental Expense Benefits or Additional Accident Benefits for any loss, Treatment or services resulting from or contributed to by:
This policy includes 24/7 emergency assistance services, supported by our designated travel assistance provider, On Call International. You are a phone call away from being immediately connected to doctors, hospitals, pharmacies and other services if you experience an emergency while traveling 100 miles away from your permanent residence, or in another country.
The Operations Center is staffed 24 hours a day, 365 days a year with trained multilingual and medical personnel, including nurses and doctors, to advise and assist you quickly and professionally in a medical emergency.
The travel assistance provider coordinates the assistance services and facilitates payment on behalf of Arch Insurance. This alleviates many of the obstacles and potential expenses that can be caused by medical emergencies away from home.
If you require medical assistance and are traveling 100 miles from your permanent residence, or in another country, call:
Be prepared with the following information:
Emergency Transportation Arrangements
For coverage, these services*, designed to support the named insurance benefits, must be arranged by designated travel assistance provider.
*All services must be arranged and provided by our emergency assistance provider. No claims for reimbursement will be accepted. The services in this brochure are only intended to serve as a general overview of the emergency travel assistance services available.
Insurance coverage described is underwritten by Arch Insurance Company, NAIC #11150, a member company of Arch Insurance Group Inc. This is a brief description of coverage provided and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage may vary or may not be available in all jurisdictions. In the event of any conflict between this summary of coverage and the policy, the policy will govern. The policy is a short-term policy, with limited benefits. This insurance is not an alternative or replacement to comprehensive medical or major medical coverage. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.