Spot’s injury insurance covers you while you are participating in mountain guiding activities in the United States. Spot has no deductible and works with or without health insurance. For injuries big and small, Spot’s got your back.
For a one time payment of $70, you can purchase Spot with your AMGA membership. If you get injured while mountain guiding or other related activities (see list below)–whether you are working or not, your Spot policy can reimburse you for your medical bills.
If you get hurt, seek treatment with any licensed medical professional convenient to you. Your Spot policy reimburses you for doctor-recommended medical costs up to $20,000—each time you are injured.
Submit your claim through the Spot website. You'll be assigned a claims representative that will be dedicated to your case and work to get you reimbursed as quickly as possible.
Sign up today and coverage begins tomorrow. Your coverage will last you through July of 2021 and covers you for accidents on the mountain and off.
Note that pre-existing conditions or overuse injuries (wear and tear) are not covered, review our list of exclusions.
Congratulations! You're covered. Check your email for a confirmation from Spot and for details on how to log into your Spot account.
We will not pay Benefits under this Policy for any Injury that is caused by, or results from:
*Thrill seeking is defined as participating in an activity in which failure of that activity results in death. Examples of these “thrill-seeking activities” would be: slack-lining above the Grand Canyon without ropes, free-soloing, and scaling skyscrapers Mission-Impossible style. This list isn’t exhaustive, as people invent new activities every day. A good rule of thumb would be to ask yourself if death is inevitable if you fail your attempt. If the answer is yes, it can’t be covered. If you’re still not sure if your activity would be covered, feel free to chat us on the site or shoot us a DM on Instagram.
**For coverage purposes, a professional athlete is a person who is on the team payroll of a professional sports organization like the NFL, NBA, MLB, etc. Sorry Tom Brady, you’ll have to look elsewhere.
In addition to the limitations and exclusions found in the Policy, this provision will also not provide benefits for the following:
Spot covers you for accidental injuries that happen while mountain guiding or other related activities (see full list)–whether you are working or not, in the United States. Spot does not cover illness, pre-existing conditions, or injuries due to overuse or wear and tear. Your Spot policy 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 medical professional. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation. Basically, anything a licensed medical professional recommends that you need to recover from your accident. Unfortunately, your alternative medicine plan is on you.
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, pre-existing conditions, overuse injuries (wear and tear) 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 trip and fall while hiking 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.
We got your back for a whole slew of activities–whether you are working or not! You'll be covered while participating in 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 in the United States.