Neither of these is a pleasant
thought, but when you consider that serious injuries such as paralysis, head injuries, etc., occur at the rate of
about 43 per year (according to the National Ski Areas Association) and
deaths occur at the rate of
about 40 per year, it's coverage worth having
unless you want your family to have to fork over as much as $ 80,000 or more to get your injured body to a qualified medical center.