Which Coverage
Fits Your Lifestyle?
Choose between per-visit or monthly protection based on how often you visit. Both give you the same great coverage, just different ways to pay.
Pay only when you go
Best for
Drop-ins, day passes, events, and occasional visitors
Perfect if you visit occasionally or try different activities. You're covered for each individual visit, and you only pay when you actually go. Great for exploring new gyms, attending events, or renting equipment.
What you get
- Coverage for each individual visit
- No long-term commitment
- Great for trying new activities and locations
- Pay-as-you-go pricing
- Coverage starts at check-in, ends when you leave
Perfect if you are a:
- Drop-in gym visitors
- Event and race participants
- Equipment renters (bikes, kayaks, skis)
- Adventure park visitors
- Day pass users at any facility
Unlimited protection, one monthly price
Best for
Regular members and frequent visitors
Best value if you visit regularly. One monthly price covers unlimited visits at participating locations. Your coverage activates automatically every time you check in, so you never have to think about it.
What you get
- Unlimited visits covered each month
- One simple monthly price
- Best value for regular visitors
- Automatic activation with your membership
- Coverage at every visit, every session
Perfect if you are a:
- Gym members who visit 3+ times per week
- Yoga and fitness studio subscribers
- Climbing gym regulars
- Wellness center members
- Anyone with a monthly membership
Quick Comparison
| Feature | Per-Visit | Monthly |
|---|---|---|
| How you pay | Per visit, each time you go | One monthly price |
| Visits covered | One visit at a time | Unlimited visits per month |
| Commitment | None - pay only when you go | Month-to-month, cancel anytime |
| Best value when | You visit occasionally | You visit 3+ times per week |
| Activation | At each check-in | Automatic, every visit |
| Accident protection | Full coverage during visit | Full coverage during every visit |
| Carrier | AIG | AIG |
Not Sure? Here's a Simple Guide
Choose Per-Visit if...
You visit once or twice a month, try different locations, attend one-time events, or rent equipment occasionally.
Choose Monthly if...
You visit three or more times a week, have a gym or studio membership, and want automatic coverage every time.