Run and gun — you’re covered.
Our injury insurance policy covers your deductible, plus in- and out-of-network expenses up to $25,000 — so you can compete with confidence. Coverage is included in your membership.
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Our injury insurance policy covers your deductible, plus in- and out-of-network expenses up to $25,000 — so you can compete with confidence. Coverage is included in your membership.
Accidental Medical Expense Coverage
Accidental Death or Dismemberment
Heart and Circulatory Benefit
Deductible
Spot's plan covers costs from your doctor-recommended treatment plan up to $25,000 for a covered physical injury as long as it is carried out by a licensed medical professional. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation.
Log in to your Spot account and follow the steps to start a claim and report your accident right from your account dashboard. As you report your accident, be as thorough and detailed as possible. The less information the claims team has to hunt down, the speedier the process. If you sustained multiple injuries as a result of a single accident, file a claim for each injury under one accident report. As you submit any medical expenses you have incurred as a result of the injury, the claims team will submit these to our carrier partner and begin the claims process. If payment is owed, you will either receive a check for your total out-of-pocket costs associated with your accident or we will pay your provider directly.
No, Spot is not health insurance. Spot's plan provides coverage for reimbursement of medical bills incurred for injuries stemming from accidents. As much as we’d like to help you with your stomach flu (drink plenty of fluids!), that's just not our thing. General illness and sickness are not included in your policy coverage.
General illness, pre-existing conditions, overuse injuries (wear and tear), and chronic sickness among others are not included in your policy coverage. Injury insurance only covers accidental injuries.
