American Mountain Guides Association

Get the most of the outdoors.

Our injury insurance policy pays up to $25,000 of your covered medical bills with $0 deductible — so you can make the most of your outdoor adventures. Coverage costs $224.99 for an entire year.

Purchase Coverage

Yep, you’re covered when you’re on the mountain.

File a claim

Every day. Every adventure.

Coverage Overview


Accident Medical Expense Coverage


Heart and Circulatory


Accidental Death or Dismemberment



Who is covered?

All citizens or permanent residents of the United States, including individuals holding valid temporary work visas, who are active members and registered participants of American Mountain Guides Association that elect to purchase Spot coverage

What activities are covered?

On and off-duty mountain guiding activities, including but not limited to: hiking, camping, skiing (including backcountry), snowboarding, splitboarding, rock climbing (not free solo climbing), bouldering (indoors or outdoors), mountain biking, kayaking, rafting, trail running, canyoneering, alpine rock, snow or glacier climbing and high altitude mountaineering.

When are you covered?

Anytime you’re participating in a covered activity.

Where are you covered?

Anywhere in the United States.

Learn More


See a full list of FAQs
What medical costs are covered under Spot?
What if I have to submit a claim?
Is Spot health insurance?
What is excluded in my policy?

Get Spot

Sign up for an AMGA membership to get Spot, then get outside.

We’ve got you covered.

© 2023 Spot Insurance Inc. All rights reserved. American Mountain Guide Association  is the policyholder for Accident Insurance for enrolled AMGA Members participating in participating in on duty and off duty mountain guiding activities, including but not limited to, Hiking, Camping, Skiing (including backcountry) Snowboarding, Splitboarding, Rock Climbing (not free solo climbing), Bouldering (indoors or outdoors) Mountain Biking, Kayaking, Rafting, Trail Running, Canyoneering, Alpine Rock, Snow or Glacier Climbing and High Altitude Mountaineering. Coverage is subject to the terms, conditions, and exclusions of the policy. Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company and facilitated by Spot Insurance, Inc.

Spot Insurance Agency, Inc. is a licensed agent/broker offering accidental death and dismemberment insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact
(C) 2023 Spot Insurance Inc. All rights reserved.
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