$20,000 coverage from $25 a month—coverage in 90 seconds
Ideal for those with high deductibles or no health insurance
no network of doctors—coverage is 24/7 worldwide
Spot starts at $25 a month and covers you up to $20,000 each time you’re injured. Your plan works whether you have health insurance or not and with any existing insurance plans you may have. Since it’s a subscription, you’ll be charged on the same day every month. You can rest assured knowing Spot has your back 24/7 worldwide.
If you fail at 'keeping the rubber side down', focus on your injury first and get the treatment you need. Go to any licensed physician, hospital, ER, or urgent care clinic that is convenient to you. Whatever your physician recommends as treatment should be covered, whether that’s diagnostic tests, scans, surgery, specialist visits, prescriptions, procedures, hospital stays, ambulance or air ambulance rides, physical therapy, and more.
Ever met an insurance company eager to pay out claims? Now you have. Filing a claim with Spot is simple, really. Make sure to save your bills and receipts. Once you get your first bill, you can file a claim. It’s just a matter of taking pictures of your bill(s) on your phone, explaining how you got injured, and providing a few other details. Oftentimes, you will be reimbursed before your medical bills are even due. It is possible for your policy to pay your providers directly, although it takes longer. Once you file a claim, you will be given a personal claims representative who will work with you to determine the best plan for your medical and financial situation.
You can always purchase Spot on your own for 24/7 worldwide coverage, but keep an eye out for us at your favorite fondos, races, and cycling organizations. We’re integrated across the cycling world–available for purchase on a per day basis, or for annual on-the-bike specific coverage. We’ll see you out there!
Spot covers costs from your doctor-recommended treatment plan up to $20,000 for any covered physical injury as long as its carried out by a licensed physician. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation. Basically, anything your licensed physician recommends that you need to recover from your accident. Unfortunately, your spiritual healer’s plan is on you.
No, Spot is not health insurance. Spot 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, pre-existing conditions, and chronic sickness are not included in your policy coverage. When you go to the doctor for treatment, use your health insurance (if you have it) and settle your bill. Then, file a claim with Spot by providing us with pertinent information (like documentation from the doctor) and we’ll get to work on reimbursing you.
Each accident you have is eligible for reimbursement up to $20,000. This means if you need stitches and an MRI after a mountain biking accident one day, you’re covered for up to $20,000 for that. If you have a ski accident the next week, you’re covered for up to $20,000 for that as well. We really hope that never happens to you but we’ve got your back regardless, even if it’s broken.
People are inventing new ways to hurt themselves every day, so it’s impossible to list out everything we do and don’t cover. We cover gator wrestling and riding your bike off your roof, so you can see how difficult it is to put together a list of covered activities. It’s much easier to talk about what we don’t cover. We do not cover illness, injuries due to overuse or wear + tear (lookin’ at you shin splints), or pre-existing conditions. Treatments that are not recommended by, ordered, and carried out by a licensed physician are not covered. A good rule of thumb is if failure of your activity is a death sentence, like tightrope walking across the Grand Canyon without a harness, we probably don’t cover it.