Active USA Climbing members who are U.S. residents. Coverage remains valid as long as your USA Climbing membership is active. See the benefit summary for full details.

Your coverage starts on the date of purchase and runs for 12 months. This won't always match your USA Climbing membership renewal date — and that's important, because coverage stays active only while your USA Climbing membership is active. If your membership lapses, your Spot coverage lapses with it. To avoid a gap, keep your membership current through your full policy year.

General illness, pre-existing conditions, overuse injuries (wear and tear), and chronic sickness are not included. This policy covers accidental injuries sustained while participating in a USA Climbing sanctioned event, practice, or competition. See the benefit summary for full details.

Log in at myaccount.getspot.com to report your accident — we'll use that to verify your policy information. You can do this even before you've received treatment or bills. Once you get your first bill or Explanation of Benefits, file your claim through the same portal.

No. Spot reimburses medical bills incurred for accidental injuries. As much as we'd like to help with your stomach flu (drink plenty of fluids!), general illness and sickness aren't included.