Let's say you bought a season pass, but you lost your job before the season even started. Are you screwed? Not if you opted for Vail Resorts' Pass Insurance program. For an extra $20 for adult, teen or senior passes (or $10 for children's passes), you'd be able to recover at least some, if not all, of your investment. Break a leg before the season even starts? Full refund. Get pregnant after opening day? Partial refund. Called up for duty two weeks after opening day? Partial refund.