I'm considering the Epic pass (only 3 more days to do so). There is a $20 optional insurance. Will the sapphire card or any other card cover a ski pass in the event of illness job loss etc? As an aside, I found out that the ski with a friend discount passes aren't that special. $83-$89 at Keystone and Breckenridge respectively for March 2012. They should advertise it as "$10 off coupons" instead.