Get your medical
bills paid. So getting injured is less painful.

What is Spot?

Medical bills suck. That’s why we provide injury insurance for people with active lifestyles. We currently offer coverage for many activities through our growing community of partners.

skater making ollie

Need to file a claim?
Bummer. Just follow these steps.

For more detailed information, check out our Spot Help Center

phone icon

1. Sign in to your Spot account

Once you sign in to your account you can start the claims process and check out your coverage. If you’re having trouble accessing your account, please contact our Customer Advocacy team and we’ll get you set up.

contract icon

2. Fill out the claims form

Answer a few questions about the accident and the treatment you recieved for care. Once you submit the claim, you will be assigned a Claim Advocate. Think of them as your partner throughout the process—they’ll work with you to determine the best path forward for your medical and financial situation.

check icon

3. Upload your bills

Unless it’s a cut-and-dry injury, you will likely get bills in the mail over time from each provider and facility that was involved in your care. As you receive them, upload them to your account. Your case will remain open as you receive your bills. Each injury and treatment plan is unique, so there is no one-size-fits-all solution to all claims.

money icon

4. Get paid

Your Claim Advocate will work with you on the best path forward. Depending on your medical and financial situation, you may get reimbursed by check or your providers may be paid directly. As long as everything checks out, we’ll make sure your bills are taken care of.

ambulance icon

Heads up!

We offer custom coverage for many different activities. This means that the specifics of your claims process may vary depending on the activity and where you purchased your policy. Learn more about your specific policy by signing in to your account, or by contacting our customer advocates.

Need Help? We got you covered.

Hours of operation Monday-Friday 8am-6pm CST

question icon

Spot Help Center

For additional information and FAQs, head to our Spot Help Center

chat icon

Live Chat

We're here to help in real-time. Our team is ready to assist during our hours of operation.
Click here to chat

email icon


Our inboxes are open 24/7. Shoot us an email, and we'll get back to you during operarting hours. Write us at

guy over car camping